davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellar Recovery, Inc. (AZ)

XXXX and XXXX Did a investigation after I reported to them that this company was reporting I owe XXXX for a previous company XXXX XXXX. 
I sent a dispute and both credit agencies utilized the 30 days to investigate the company debt was removed I was notified Two months later same company Stellar Recovery reports again and both bureaus allow this but report as new and a different amount by XXXX I call Stellar tell them to stop reporting wrong information and that I have n't had XXXX and they said were not reporting anything I got no place with stellar theynsaid it must be fraud I said yes someone used my name apparently I contacted XXXX and really got no place after requesting a contract and anything they could give as proof to send to authorities and I got no help just transferred all over I asked the two credit bureaus to delete the collection off my credit and block Stellar and nothing done also I questioned how could you allow them to report again by just changing the amt I 'm in the middle of purchasing a home and this has caused my score to drop and I have 2 weeks to rectify this error I asked them to delete immediately it 's fraud Stellar XXXX XXXX   XXXX fl XXXX XXXX XXXX Thank you
Consumer complaint received 2019-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

On XX/XX/XXXX I decided to request my free credit reports and noticed that there were charges from a medical collections agency, Grant and Weber, on behalf of XXXX XXXX XXXX, on my credit history report that are detrimental to my score. There are several items to consider on this. 
1 ) Negligence in informing me of this. I never received notification that this was on my credit history 2 ) The one phone call I got from this company - I provided the necessary information for them to contact my insurance, XXXX XXXX. I have always been fully insured and have never incurred any medical expenses that were not covered by my insurance. 
3 ) I have disputed these charges already and yet continue to see them in my credit history Here is the information on these two disputed charges gleaned from the credit report : GRANT & WEBER # XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Balance : {$170.00} Date Updated : XX/XX/XXXX Original Amount : {$140.00} Original Creditor : XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION< GRANT & WEBER XXXX XXXX XXXX XXXX XXXX  XXXX MAIL RETURN XX/XX/XXXX XXXX, CA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$330.00} Date Updated : XX/XX/XXXX Original Amount : {$290.00} Original Creditor : XXXX XXXX I strongly request that these charges be immediately removed from my credit history. This is impacting my ability to have a FICO score that reflects who I am : a law abiding citizen who responsibly takes care of her debt and financial responsibilities. It is negatively impacting my ability to receive the best interests rates on loans and therefore this gross negligent behavior from Grant and Weber is having a negative impact on my economic status and potential as a consumer. Grant and Weber should have contacted me - and show proof of contact - prior to placing these and ignoring my request to remove them. Grant and Weber has the insurance company, XXXX XXXX information, on file to handle these internal disputes between medical groups - it is highly inappropriate to have used me - and injured my credit history - in their collection process.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (ID)

I am writing to express my extreme dissatisfaction with your failure to comply with the law by denying the blocking of a fraudulent account, despite approval from the bank and clear evidence of its fraudulent nature. Over the phone, I talked to someone within the company to confirm the documents had been received and they informed me that they never received documents from the CFPB. I demand the immediate removal of this fraudulent account from my credit report under legal requirements. 
XXXX XXXX XXXX XXXX XXXXXXXX Your refusal to take action on this matter is unacceptable and constitutes a blatant disregard for consumer rights and the law.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (VA)

XXXX XXXX, 2017, I received an email message that there had been an expenditure on my closed credit card account. When I telephoned the company to report the theft, I was phished for information that included my account password. I refused to divulge it and the operator would not investigate the problem or transfer me to the security people. The credited card issuer is Wells Fargo. I had closed the account last year. Apparently, Wells Fargo is encouraging illegal activities among its staff again.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (IN)

My identity was stolen and a personal loan was taken out in my name. Upgrade did not require in-person identity verification, only an " online signature '' using information that was easily stolen. Upon request, they provided a statement showing what was used to procure the loan and it was bank account numbers and routing numbers and social security numbers that were exposed in a breach early in XXXX. They were less that helpful in their response.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1. BANKRUPTCY CHAPER XXXX - DISMISSED with REF # XXXX Filed on XX/XX/XXXX with a amount of {$0.00} COURT - US BKPT CT CA LA 2. BANKRUPTCY CHAPER XXXX - DISMISSED with REF # XXXX Filed on XX/XX/XXXX with a amount of {$0.00} COURT - US BKPT CT CA LA
Consumer complaint received 2019-05-15
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. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 COMPLIANCE PLEASE ASSIST ME ON REMOVING THESE ACCOUNTS. THANK YOU.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

I requested a credit line increase through your online XXXX XXXX XXXX XXXX located at https : //online.citi.com/US/JSO/SSO/CardsSSO.do. I only did this because it clearly states A credit bureau report will not be requested and you will receive an instant decision. ( refer to screenshot on page XXXX ) of that tool and that exact statement. I put in the request, my request was granted on XXXX. However even though your tool clearly states you will NOT request a credit bureau report your system requested one anyways as part of this request. 
- faxed letter attached : Citi Bank Credit Bureau XXXX XXXX I contacted their customer service department multiple times and someone was looking into this and noticed there was a technical glitch in their system that initiated this credit pull by accident. Citi Bank followed up stating it was a system error and I should submit the request to remove this credit inquiry from CitiBank Credit Bureau XXXX XXXX department. After XXXX conversations, XXXX faxes sent all I received was their generic letting stating this hard credit pull will not be removed. 
- file attached : citi-response.pdf
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I have reviewed my Consumer Reports and noticed that I had FOUR late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 COMPLIANCE PLEASE ASSIST ME ON REMOVING THESE ACCOUNTS. THANK YOU.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've disputed at least 3 times with Equifax about inaccurate information thats not mine from accounts from XXXX XXXX XXXX and XXXX XXXX XXXX. They keep verifying that its mine. I tell them that its not and request to see whats in my credit file to see if I can match it with my records, but they refuse to disclose this info. The information on these accounts are inaccurate and hurting my ability to obtain credit and causing me to pay higher interest rates. I want it removed from my account immediately. I've attached actual pages in my report that I got from Equifax in XX/XX/2018. Not a reseller, but Equifax. I've circled and notated all the mistakes.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted Transunion about a tax lien being on my credit report, I informed them that the tax lien was paid and it should n't be there. Instead of Transunion removing the account they updated the account showing paid. I paid the balance prior to it being reporting on my credit report, per Transunion they were going to remove the account completely but they did n't its just showing paid. I want this account remove from my credit file immediately.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

1. BANKRUPTCY CHAPER XXXX - DISMISSED with REF # XXXX Filed on XX/XX/XXXX with a amount of {$0.00} COURT - XXXX XXXX XXXX XXXX XXXX 2. BANKRUPTCY CHAPER XXXX - DISMISSED with REF # XXXX Filed on XX/XX/XXXX with a amount of {$0.00} COURT - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/XXXX I submitted online app for a credit card with Bank of America, referred to as BOA through the remainder of this complaint. I requested a balance transfer on the app to be paid to XXXX XXXX in the amount of {$1100.00}. I received a phone call the next morning from the fraud dept of BOA said they were verifying if I had submitted the app and I confirmed I had.I thought that was odd as I 've submitted several online apps for cards and had never received a call like that. Did n't think anymore of it. The balance transfer was supposed to be paid within 2 wks. On XX/XX/XXXX I called XXXX XXXX to check if BOA had sent payment to them for the balance transfer and to my surprise they had n't. I then called BOA to inquire and the rep told me they did not pay XXXX XXXX but had paid my XXXX XXXX card balance of {$2200.00}. I asked her how did they obtain my XXXX XXXX card number because I did not list that balance to be transferred. She was puzzled as well and transferred me to the fraud dept. I explained my issue again and was transferred to the fraud dept supervisor. Explained my issue again and her response was " Well you must have given it to us, how else would we gave gotten it ''. I told her I noticed they had a phone number listed on their webpage for FRAUD WITHIN THE COMPANY maybe thats how it was obtained. I told her to pull up my online app and she would see XXXX XXXX 's balance of {$1100.00} listed to be transferred and not XXXX XXXX 's balance of {$2200.00}. She then told me I had to call XXXX XXXX and request they send the payment back to BOA. I did n't think that was normal protocol but I called XXXX XXXX anyway and explained the issue to them and they said BOA would have to request a refund of the payment. I called BOA back to let them know and to this day I am still waiting for someone to call me back. This has been terribly frustrating and this is a new account and I think it is despicable how they handled the situation. So nonchalant. I later read reviews of the bank and I wish I had did that research prior to submitting my application. Its companys like this that need to be penalized severely for their unscrupulous practices. I do have documentation to upload because of course they snatch your app offline as soon as its submitted and they did not send a confirmation so I have nothing to prove other than them accessing the application themselves.
Consumer complaint received 2017-12-08
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. (GA)

As of XXXX 2017, XXXX has not fixed the error that 's on my credit report. I have contacted XXXX and the Collection company on several occasions. Per the collection company XXXX XXXX XXXX they have alerted XXXX on several occasions to remove this account from my credit file. I disputed this account with XXXX and XXXX has not done anything about it. I even asked XXXX if they verified information send it to me and they refused to send it to me. I am wanting this account off my credit report immediately because I do not owe XXXX XXXX XXXX any money at all. XXXX does not respond or they take well over 30 days to respond if they feel like it. Please have XXXX  remove this account from my credit file immediately. I even tried calling XXXX to speak with a live person and got the run around, how can a company like this continue to report and do whatever they want to put on someone 's credit file just because. This is so wrong and this account to be removed.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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
Consumer complaint received 2022-08-11
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. (OH)

I have disputed the same collection account with all 3 bureaus several times. I have provided evidence that the information is incorrect. They continue to report a debt that is 6 years old as 2 years old. The debt has been sold several times from XX/XX/XXXX until XX/XX/XXXX. The amount of te debt haas changed 3 times it was {$580.00}, XXXX, and XXXX. The debt is not from a credit card company it is from XXXX. Therefore the amount should have remained the same being there is not any interest being charged. I have explained this to them and they continue to illegally report incorrect information. It seems no matter what debt collection agencies does the credit bureaus take their side right or wrong. They never take the side of the consumer. I refuse to allow them to report the same old debt for another 5 years. 
I have copies of my credit reports to verify that I am telling the truth. I also have a letter from the very first collection agency showing the original date of collection and collection amount. I submitted it to all of the credit bureaus and they totally ignored it when I disputed the debt XX/XX/XXXX and XX/XX/XXXX. 
I also contacted the debt collector XXXX XXXX XXXX asking for the validity of the debt from the original creditor XXXX and I have yet to hear or receive anything from them. 
I called in to speak to a customer service rep at Experian and she disconnected the call very unprofessional.
Consumer complaint received 2017-11-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (TX)

I recently purchased a used car for XXXX. This was in XXXX of this year. Then Hurricane Harvey totaled my car and then the car company, who had put a full coverage insurance policy on my car, declared that I still owed then XXXX after they took the car in and their in house insurance company declared that they could only pay less than half of the damage. They even kept the car and sold it. The finance company is American Credit Acceptance , LLC, XXXX XXXX XXXX, XXXX Tx XXXX. And the Insurance company is the XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (GA)

I purchased a new vehicle in XXXX thru XXXX. My loan had a balance of XXXX. I was a month and half past due where they reposted my vehicle where I had a cple of months left. Where I lost out on work, and bills got backed up even more due to me not being able to get to work. I'm sure that it was a result of misapplied pymts and extra fees where I could of still had my vehicle that I had paid over XXXX for. I had to buy another vehicle and had a lot of pain and suffering of XXXX.