davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (OH)

Fell a few days late on my second payment they stared calling my phone 10 plus times a day even when i would answer and explain my situation and advise on the day i could have a payment drafte out of my checking account which would be the following wensday the agent refused to set up my payment or skip a payment as their website said they could do so i posted a check on their site my self for two paymentd they went in and cancelled my payment and put my acount in repossession status i reset the payment as a posted dated check again for it to draft on the wendsday for the double payment they repossed the car 1 day prior to the day when my payment would have covered when i called to offer the the XXXX plus the repossesion fee to recover the vehicle they where rude and stated that i would have to pay 16000.00 + so not only did i loose the vehicle i lost XXXX down payment not including the prior payment that did take out my account ... they prey on me and will resell this vehicle repeatedly taking people down payments the and reposssing cars as soon XXXX your 4 days late exc.. Repeatedly i do not recommended Bridgecrest
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NY)

I have reached out multiple times in the past to have this debt removed it does not belong to me. This is a fraudulent situation and the company refuses to remove the collection from my XXXX  report. The only thing the company could provide was a phone bill that dosent solve or mean anything. I want this fraudulent XXXX  account removed from my XXXX report and to not be reported ever again. The company reporting this account right now is convergent outsourcing. Please help with this fraudulent matter.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I tried to file my taxes and the tax professional told me that my social security had been used already to file tax returns. I soon received a call from a collections company as well that I owed them money. Everything was making sense right after. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$4400.00} DPT ED/XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2020, Wells Fargo suddenly closed my credit card account without notice and forfeited the rewards associated with the card. 
I feel that Wells Fargo was deceptive in their advertising practices by allowing me to earn reward points, and then closing my account without any notice, thus giving me no opportunity to redeem my points that I have collected over the year. 
There is no other specific information provided. I have reached out to them and they can't provide additional information.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (TX)

On XX/XX/2020, in the amount of {$1500.00} to XXXX XXXX XXXX XXXX. I paid for deletion and it is still on my credit report saying unpaid. 


On XX/XX/2020, in the amount of {$700.00} to Ad Astra. I paid for deletion and it is still on my credit report as unpaid. 

I have contacted the companies and all I get is a hold on then they hang up.
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

On XXXX XXXX XXXX XXXX I received via spam email an " Invoice '' purportedly from PayPal. I did not recognize the amount of {$650.00} or the merchant, XXXX XXXX XXXX, a cryptocurrency exchange. I called the number provided on the invoice, and it was quite obvious the number was a call center in XXXX. I could hear in the background numerous people claiming to be " such and such '' company, none of which was PayPal. When the " PayPal representative '' asked for my person information to " verify the account '', I knew it was a scam and hung up. On XX/XX/24 I spent numerous hours on the phone trying to contact PayPal, but the " customer service '' automated system is non-user friendly and convoluted and I was unable to reach a real live breathing human. On XX/XX/24 I sent them a letter explaining the fraud and requested a PDF, via email, be sent to me to make an official report. I also sent my bank a letter regarding this and they are as difficult as PayPal to reach. However, today I did get a number to the fraud department and spoke to a real person. No charges have hit by account and a fraud alert has been set in place. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I believe the person responsible for this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was advised today, and I am awaiting any follow up that may occur. Respectfully XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a )  Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXXXXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2022 Balance : XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-04-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Performant Financial Corporation (LA)

I received notification from Performance something company that they were withholding my income tax return for a fraudulent amount owed to XXXX during the COVID-19 ordeal. I am in Louisiana and this is not allowed nor is the debt owed.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XX/XX/XXXX
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NH)

On XX/XX/20, I submitted my monthly mortgage payment online via their website. They did not credit my account with the payment until XX/XX/20, and charged me a late fee of {$80.00} since according to them the payment was not made until XX/XX/20. Previously, payments made on or before the XXXX of the month were not charged a late fee even if the payment was not credited to the account until after the XXXX. 

I contacted the company but they said that when the payment is credited to the account is what matters, so I would have to submit my payment via their website 2 days prior to the deadline.
Consumer complaint received 2020-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

Report Number : XXXX Date Generated : XXXX XXXX, 2020 Account Name ASSETCARELLC/CAPIOPARTNE Account Number XXXX {$440.00} Account Number XXXX {$250.00} These collection accounts just pop up in my credit report. 
I dispute these accounts many time with the company and refuse to take them off my credit report. I don't own these accounts and they do a big damage to my credit report. Each dispute XXXX  told me, the collection agency verified the accounts while they don't belong to me
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2022-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I am reaching out because I am currently in the process for being approved for a mortgage. Unfortunately, XXXX feels since my job is 90 miles ( 1hr 40min drive ) from the home I am trying to purchase they've sent me an email indicating I find a job closer to purchasing home and send them a job offer whenever I do obtain a new job. After speaking to my supervisor it was agreed I would be able to work my position remote. My direct supervisor went ahead and submitted the necessary documents and now I am being told that since my XXXX initially stated I was not working remote and now my direct supervisor is stating I can there is conflicting information. I'm not sure if it is because I am a minority that I am getting the run around however I have spoken to many lenders/ realtors and I am told this is out of the ordinary.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

THE XXXX XXXX  AUTO FINANCE - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE XXXX XXXX AUTO FINANCE - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have contacted TransUnion several times in regards to the inaccurate information that they are reporting in my public records pertaining to a XXXX bankruptcy that was dismissed and closed in XXXX and company called LCI CONSUMER CENTER is in fact reporting this inaccurate information I have talked with the supervisor @ TransUnion and she made me aware on XX/XX/XXXX she was able to send the documents that this bankruptcy was in fact dismissed and closed she file another dispute in regards to the inaccurate information and TransUnion sends verification again that this was verified. I will be attaching information from the XXXX XXXX XXXX, XXXX XXXX AND THE COURT AND THE COURT CERTIFIED TRANSCRIPT OF THE ACCURATE INFORMATION. THIS SAME INFORMATION WAS SENT TO LCI XXXX XXXX AND TRANSUNION. TRANSUNION WAS TOLD BY XXXX XXXX TO REMOVE THIS INACCURATE INFORMATION AND TRANSUNION HAS REFUSED.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I contacted Experian and XXXX and informed them that there were fradualant inquires on my credit report. The bureau 's and fraudalant inquires are as follows : Experian- XXXX : Inquiry Date : XX/XX/XXXX XXXX- Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX Inquiry Date:XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

THE XXXX XXXX XXXX- XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (VA)

There was an error with the AMEX app on XX/XX/XXXX. I keep my credit card balance to XXXX DAILY meaning, I calculate and cross check to see that each transaction matches each payment. When the system went down on XX/XX/XXXX, I was charged XXXX times for the same payment. I was reimbursed for XXXX, but the other XXXX was taken out of my bank. That's fine but that additional duplicate payment WAS ( IS ) not reflected on my current statement. I therefore am being overcharged for XXXX  that was taken out of my bank account without my permission. No one has gotten back to me yet about this. It's very easy to cross check my credit card payments to my transactions. This is a human error and can easily be reviewed to see that they are charging me more than I paid for. This has never happened to me with any other company. It happened because of a system outage and now I have wasted so much time and energy to figure out what happened. No apologies yet either. If I hadn't checked one by one, I would've paid more than I needed to. I don't trust AMEX now because I feel this could've happened to me before but I just was too busy to keep track of it. This would've also gone unnoticed if I had to pay every month 's statement in full. Luckily I pay by transaction so I can see what exactly I'm paying for.
Consumer complaint received 2022-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/2022 I mailed at out a cease and desist letter to Midland Credit Manangement in regards to alleged debt. They received my letter on XX/XX/2022. According to my letter they were suppose to cease communication and cease reporting of this alleged debt from my consumer reports. USPS XXXX # XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

This account was already paid before another collection agency received this debt from XXXX. Basically this account was sent to collections ( XXXX XXXX XXXX ) in error. This account was paid. We did get this removed through the dispute process, then XXXX XXXX XXXX obviously and illegally sold it to XXXX. XXXX, in which is not on my credit report ; which it should not be. 

The attachment i am going to upload is a screenshot of the original collection that was removed, due to it being paid before it was sent to collections. I am sure you will see the similarities. 

Please help me remove this because i am sick and tired of this paid account that should have never went to collections in the first place. 

Thank you
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

" XXXX XXXX '' is still reporting on both XXXX and Equifax, long after I have sent disputes in to the bureaus. They also have never responded to my disputes nor sent proof of HIPPA authorization. 

They have fallen short of providing me the following information : -Validate the alleged debt- Provide me with my HIPPA authorization -Please provide breakdown of fees including any collection costs and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you. 

-Cease any credit bureau reporting until the debt has been validated by me. 

-Explain and show me how you calculated what you say I owe. 

-Provide me with copies of any documentation that show I agreed to pay this debt.