davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-27
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. (MS)

I was going through final loan process for being approved for my home and learned that there is a bankruptcy reporting on my credit. I have never filed for bankruptcy and is requesting this is removed immediately from my credit report so I can purchase my home.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This was a total loss vehicle, it was being paid by gap and insurance. I was the cosigner on the vehicle. There was XXXX left on the account. XXXX XXXX charged it off, I never recieved a letter or a phone call about this. When I did find out I contacted my insurance and they had sent the last check to the wrong place and it was quickly resolved. Now my credit is ruined. I have disputed it with the company three times and the credit agency 's. The credit agency 's are reporting it as XXXX was the charge off which is inaccurate, it was XXXX which I disputed but they are still saying thats what XXXX  XXXX reported. I have submitted to you documents showing this is wrong.
Consumer complaint received 2021-02-25
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. (AL)

I have made several attempts with the following credit bureaus : XXXX, TransUnion, XXXX  all in certified-mail format. Enclosed were detailed information about inquiries, erroneous information and XXXX XXXX XXXX when they have received a judgment against them for defrauding consumers with these credit bureaus will not remove this information from my credit profile. An addition to all the inquiries I challenged as inaccurate information. I have disputed them numerous times on their websites and by certified mail. I am reaching out to get this matter resolved ASAP so as to improve my quality of life and receive the credit I have deserved and earned.
Consumer complaint received 2020-10-12
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. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (LA)

entered a consumer credit transaction with ALLY and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that ALLY claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. ALLY has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2020-11-04
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. (CA)

On XX/XX/20 i found out that i was a victim of identity theft. i have sent my request to have this account from XXXX  removed as it does not pertain to me. i have never attended this school nor have i ever applied for this loan. i have contact XXXX  and all the three major credit bureaus in regards to this fraudulent account i have submitted all supporting documents myself. i have also sent my personal information to verify its me sending the documents and not a credit repair shop.
Consumer complaint received 2019-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (NJ)

Here is my situation : I obtained a loan from Upstart.com. When setting up my loan payments I added my primary bank account. That account is used for recurring payments. A little over a year in, all payments being made on time, I need to close that account so I can transition to another bank. Then, I go to Upstart to add this new account so I can add the new account. This is where I run in to problems.

According to Upstart there are 3 ways to add my new bank account. First, through logging in with my banks username and PW on their site. Unfortunately, since my bank is a small bank Upstart 's system is not compatible. Second, by uploading a check. I don't used checks and have none associated with this account. Third, 'small deposit method. ' This is where I enter my routing/account number, they place small deposits in my account, and I confirm. Because the first two options don't work for me, I chose this. However, there is a glitch in THEIR system. No matter how many times I enter my info I get an error message. They have acknowledged that this third method does not work. I only have the first two options, which for the reasons stated above, do not work for me.

I call and ask them to add my account manually. They say this is impossible. I find that ridiculous. First off, it is not this difficult to add bank accounts from any other major creditor. I believe this company is intentionally making this difficult. My current account will close next month and I will literally have no way to make a payment on my account. I am ready, willing, and able to make payments. They won't let me. Then, of course, they will report late payments to my credit and charge me more fees. This is outrageous. They appear to be making this difficult on purpose. 


Please help me.
Consumer complaint received 2020-04-13
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. (OH)

I have contacted TransUnion regarding several Bankruptcy dismissals that should be deleted on my credit report, but they have refused to honor my request stating in a letter that it is their policy to keep discharged and dismissed Bankruptcies on all credit reports for 7 to 10 years., which is a direct violation of the Fair Credit Reporting Act. Although it is their policy to keep reporting Bankruptcies that are filed/ discharged, the Fair Credit Reporting Act mentions nothing about dismissed Bankruptcies ( section 1681c ). Any case, civil or otherwise, which is dismissed no longer exist in the eyes of the law, so they have no right to maintain information which the Government has deemed nonexistent. I am asking them to send me in writing proof to their claims that Bankruptcies that have been dismissed can not be removed for 7 to 10 years or I will be forced to take legal action. It may be their policy but the law says otherwise, and they must obey it.
Consumer complaint received 2019-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc. (TX)

On XX/XX/2018 I visited XXXX XXXX XXXX, XXXX for an in office procedure. I used no insurance and signed paperwork that all debts were paid in the office at the time of the procedure. The agreed price was {$180.00}. This was paid in person at the time. There was no later billing option, the price was established, paid in full at the time of the procedure, a receipt given, paperwork signed that all debts were to be paid at that time ( unless insurance was involved ), and the office billing person confirmed in person that everything was paid and nothing new would be charged. 

About a month later XXXX XXXX XXXX sent a bill for the procedure for which I had already paid. I attempted calling XXXX XXXX XXXX but were only able to leave a voicemail. To to best of my knowledge, no response from them was received. I continued to try to call, but only was able to get to voicemail, there was no person to whom to speak. 

The debt was then " assigned '' to Merchants & Professional Collection Bureau who attempted to collect on this falsified debt. We contact MPCB and explained that the debt was false and submitted a dispute to XXXX XXXX XXXX who provided the original paperwork that stated that all debt was to be paid at the time of the visit, along with a bill for the service again. MPCB decided that even though the paperwork showed that we were not a customer at the time of the latter, false bill, and had no debt to XXXX XXXX XXXX, refused to clear the debt. 

We called today to MPCB to discuss why they were continuing to pursue a bill now that they were aware that it was fraudulent and they hung up on us and provided no recourse for their pursuance of a debt that they knew did not exist. Even though XXXX XXXX XXXX provided no supporting documentation as to the debt attempting to be collected, and even though they had provided paperwork showing no debt could exist!
Consumer complaint received 2022-01-08
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: Experian Information Solutions Inc. (IN)

I have file disputes with XXXX  experian and XXXX and hitting rock bottom with all 3 like talking to brick wall and credit scores should be in middle XXXX 's not low XXXX never missed any payments and im tired. Of being treated like little child and i refuse to accept a loan from subprime lenders im not Donald Trump and im not made of money credit bureau dont want do anything dispute the errors on my report and refuse to remove hard inquiries i dont recognize i feel i have no choice but contact you i dont know what else to do
Consumer complaint received 2017-07-29
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 am submitting a complaint about my student loan .I have received letters informing me that XXXX is reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. XXXX send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my 3 credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my 3 credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I sent several letters to XXXX XXXX XXXX on XX/XX/2022, XXXX XXXX by certified mail still havent received a response from them to validate the debt of {$1800.00}.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX Someone broke into my husband 's work truck and stole his wallet. We called right away and got our cards turned off and new ones sent out. I went to the ATM XX/XX/XXXX to get money out. I realized that somebody had withdrawn {$3500.00} from my account my account. And there was a XXXX deposit not made but myself or husband. I called Wells Fargo right away and told them there was fraudulent activity. They basically told me that it was impossible for someone to withdraw that kind of money that wasn't a cardholder or account owner without ID. I told them about my husband 's wallet. He was treating me like I was lying and some sort of criminal trying to claim Fraudulent actions. He submitted a claim and froze my account and supposedly put a hard lock on it so nothing was able to act or 2 access. Over the next 3 days from branch to branch the thief was depositing bad checks and withdrawing anywhere from a {$1000.00} to {$3500.00} A-day. The XXXX and XXXX of XXXX there was withdrawing of XXXX, XXXX, XXXX, another XXXX with a more bad checks. They closed my account and transferred all of what I had left for money into a new one for it to continue to happen. I kept calling Wells Fargo and telling them this and and it continued to happen.. When I was told this this was taken care of they drained my account down to XXXX. All I could do is cry. Then all of these bounced Checks started coming through and made my account negitive and then they dipped into my Wells Fargo credit card for the overdraft which went over my {$1500.00} credit limit which Now its going to affect my credit negatively. This is any persons worse nightmare. I had to borrow money for the XXXX time in my life from my father because I had no gas in my car or food in my fridge for my children..Wells Fargo refused to give me A-line of credit until this was taking care of. I have never been treated so badly being called a liar and basically a criminal. Every time I was under the impression that this had stopped and been taken care of on their behalf it continued to happen. They literally drained Everything I had to my name. I haven't received a phone call, feedback or an update as far as to what is going on on. I have try to call them and they just keep telling me that I need to be patient for a 10 day investigation. I have filed 3 different police reports in 3 different cities for these all happened in. I am defeated, anxious and scared. Wells Fargo has been zero help. I have been a customer of theirs since 2003 and I'm absolutely disgusted with how they have handled this. I am looking into hiring a lawyer in dealing with this otherways.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a Capital One Quicksilver card that have attempted several times to increase the credit limit on. First, Capital One said I didn't qualify for a credit limit increase due to my account carrying a balance from month-to-month, and allegedly I was not making sufficient monthly payments ( despite my payments always being in excess of the minimum ). To remedy this issue, I ensured that my account did not have a carryover balance from month-to-month. I recently applied for a credit limit increase again, and this time I was told I didn't qualify because I don't keep enough of a balance on my card. 

When I tried to call a Capital One rep for an explanation, I was told that there is no one that works for Capital One that can explain further the reasons for the denials, and that my only source for additional information was Capital One 's general blog. 

I don't understand what is happening and can not get a clear answer from Capital One. This is the second Capital One card that I have had, and each time Capital One has been unwilling to consider me for credit limit increases, while only providing boiler-plate and generic denial reasons. I closed the other account because after several years with Capital One, the company would not increase my credit limit beyond a {$6900.00} limit. Now, Capital One will similarly not increase my Quicksilver card, which requires good credit to qualify for in the first place, beyond a {$3800.00} limit. I am attempting to build by credit status as a young adult, and so I routinely ask my credit card companies for credit line increases roughly ever 6 months. I have a good credit score, no delinquent balances or adverse credit information, and my income ( which I regularly update with Capital One ) relative to my expenses is more than sufficient to cover any balance for the credit card. However, I keep being denied by Capital One for general reasons. I am starting to wonder if the denials are a pretext for denying me due to my demographic status. I have spoken with friends that are White and similarly have a Quicksilver card, and they do not seem to have issues receiving periodic and substantial credit limit increases.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC, they are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

I am giving ENHANCED RECOVERY COMPANY , LLC, the opportunity to solve this matter amicably and avoid time and money spent in a legal process. I am contacting you regarding my ENHANCED RECOVERY COMPANY , LLC, account : Account Information : Account # : XXXX Date Opened : XX/XX/2020 Account Type : Collection Balance : {$0.00} The account has been re-aged, I was excessively called and harassed despite telling the collectors not to call my phone thought an auto dialer. I told them this was not a valid debt and they not only failed to mark account as disputed, they kept on insisting that I MUST pay and there is no other option. I was told if I paid the item would be removed from my credit report, which didnt happen+ Remedy : deletion account from all credit bureaus.
Consumer complaint received 2021-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

RE : Remove the following account from my report : XXXX  ( Account : XXXX ) This letter is in response to Experian 's recent claim that XXXX, verified the account they are reporting is accurate with a debt in the amount of {$4200.00} or {$4400.00} OR {$4200.00}.

Im requesting a REMOVAL of this inaccurate information, because Experian did not correct or remove per FCRA. 

I dont believe Experian did an independent investigation and are only forwarding me the results the furnisher provided to them without going beyond the original source of info after a request for reinvestigation. 

Because of this, Im requesting the removal of this inaccurate information immediately and Ive logged this as negligence. 

Experian failed to investigate and correct inaccurate information on my credit report and this has caused my family great harm : My children had XXXX and we were unable to get the proper shelter we needed due to this degradation of my credit score. 

I have also not been able to finance a car due to this incorrect information that is deteriorating my credit core and quality of life. 

I have a XXXXyear-old who RECENTLY HAD XXXX  that I can not drive to necessary appointments or school due to this impact to my credit. 

Me and family are suffering injury due to these errors in reporting.
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

All our bank of america accounts were frozen. They will not give us a reason why. We can't access our funds, close our accounts etc. This has put us in an awful financial situation! This isn't fair or right! Any assistance you can provide would be greatly appreciated! 

Thanks XXXX XXXX