davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On or about XX/XX/XXXX, I called a local XXXX location ( XXXX XXXX, FL ) to inquire about their financing procedures. I had previously purchased a car from XXXX in Illinois in XX/XX/XXXX and it was a pleasant experience so I wanted to see what was available from them in Florida. I called the local dealership and was connected to a salesman and I explained XXXX him that not would not be ready to purchase a vehicle for about 6 months but I wanted to know what I might expect. He told me I needed to go online to their website and give my information to get me into their system so his very experienced manager could give me some information on qualifications. He promised no hard credit pulls and said they do soft pulls every day to somewhat pre-qualify potential buyers. HE LIED!!!! 

In XX/XX/XXXX, I was ready to purchase a car, and when applying for financing I was blown away when I found out that XXXX made numerous Hard Pulls in XX/XX/XXXX of that year. I called XXXX immediately and the salesman was no longer employed by them, but I did buy a car from another dealer at that time as stated and easily proven. 

The following is a list from all three credit bureaus : XXXX  : XXXX/XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 
XXXX  : XXXX XXXX on XX/XX/XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 
XXXX : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 

It has been over a year now that I have been disputing the numerous hard credit pulls from XXXX- XXXX XXXX that still remain on all 3 major  credit bureau agencies in my name. Countless calls to the credit bureaus, ( XXXX, XXXX and XXXX ) that will not allow me to dispute these inquiries, as that can only be done by the company that pulled them ... XXXX. 
I have also called some of the financial institutions XXXX used including Capital One Auto Finance, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These lenders have told me the same as the credit bureaus, that only the company that pulled them in error can remove them ( XXXX ). 
I have called XXXX literally dozens of times since XX/XX/XXXX.  Despite these many calls and many hours with the dealership and all the way up the ladder to corporate, these hard pulls still remain today and hurt my credit appearance and scores on ALL 3 credit agencies. 
I finally got connected to XXXX XXXX, a Credit Executive at XXXX Corporate who promised to help me end this nightmare and clear things up back in early XX/XX/XXXX. I have signed and returned the document they provided to me 4 times by fax. I followed up numerous times to their office and they swore it was being corrected. 

To date, nothing has been done.
Consumer complaint received 2018-12-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have discovered many UNAUTHORIZED inquiries on my credit reports from PORTFOLIO RECOV ASSOC at XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. They DO NOT have authorization to make inquiries on my credit report. It appears they have been making an inquiry every month since 2016!
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Dear Sir/Madam, I found a fraudulent charge on my savings account when I was looking back the transaction history on XX/XX/XXXX. I found one of my personal check was used by someone whom I don't know for XXXX $ on XX/XX/XXXX in XXXX XXXX XXXX, XXXX. 

The check was cashed to " XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX  The check payee name is : XXXX XXXX I XXXXontacted my bank ( Bank of America ) as soon as I realized this fraud and raised complaint on XX/XX/XXXX. They took 90 days to investigate and told me today that they can't process this request as it is beyond 60 days from the date of incident, as per bank policy. 
So I am raising this complaint to you. Kindly do the needful. 

Please let me know if you need any further details.
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ALLY FINANCIAL Account Number : XXXX Account Type : Installment Account Status : Open Monthly Payment : Date Opened : XX/XX/2015 Balance : {$0.00} Terms : High Balance : {$58000.00} Limit : Past Due : {$0.00} Payment Status : Pays account as agreed Comments : AUTO
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


XXXX XXXX XXXX Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2017 Balance : {$310.00} Terms : High Balance : {$310.00} Limit : Past Due : {$310.00} Payment Status : At least 120 days or more than four payments past due Comments : COLLECTION ACCOUNT
Consumer complaint received 2018-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been writing these companies since XXXX. I do not understand why they have not removed these accounts because they are not mine and are because of my suffering from identity theft. I have written too many times to count and my last letter to each was just last month.
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (FL)

BBVA Compass is my bank. This summer someone opened four credit card accounts under my name and used my personal account to make payment on them. I disputed the amount and BBVA Gave me a temporary credit and then reversed it less than a week later.
Consumer complaint received 2018-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc. (CA)

I was contacted by XXXX XXXX XXXX The debt was incurred in XX/XX/XXXX they are reporting it as XX/XX/XXXX Not only are they re-aging this debt, but I don ; t  know what it's for this debt is out of statute
Consumer complaint received 2018-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been writing these companies since XXXX. I do not understand why they have not removed these accounts because they are not mine and are because of my suffering from identity theft. I have written too many times to count and my last letter to each was just last month.
Consumer complaint received 2018-12-04
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. (GA)

I was a victim of identity theft. I have reached out to all three bureaus and informed them of this numerous times. I have sent letters to them every month starting XX/XX/XXXX of this year and as recent as XXXX. I never receive a response. All of my communications are sent via priority mail.
Consumer complaint received 2018-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of identity theft. I have reached out to all three bureaus and informed them of this numerous times. I have sent letters to them every month starting XX/XX/XXXX of this year and as recent as XXXX. I never receive a response. All of my communications are sent via priority mail.
Consumer complaint received 2018-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TX)

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under AFNI Inc.. I requested a validation on XX/XX/2018 as there was 1 account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (TX)

A collections account was placed on my credit report by Franklin collection services for {$40.00} in XX/XX/XXXX, the original creditor is XXXX XXXX XXXX. I was a victim of XXXX XXXX in XX/XX/XXXX and canceled my services due to total loss of home after flooding. I informed XXXX  that the equipment was damaged and couldn't be returned. I was initially charged for the equipment cost although they were aware the equipment was damaged and couldn't be returned. I was informed by a rep they would check the zip code of my address to ensure that area was declared a disaster area. After doing so, the equipment cost was refunded and the balance owed was {$0.00}. I didn't use XXXX   services after that time. 1 year later, I have a collections reporting from them. I never received a bill or any notice of a debt owed from XXXX. I also spoke to a rep on XXXX in regards to this issue and the rep informed me she couldn't explain why I was billed for the {$40.00}. She also contacted the collections dept who couldn't pull up any information either. It is an unfair practice to place a collections account on my credit without giving any notification or contacting me to rectify the situation. If I owed {$40.00}, I would have paid the amount. I was told by XXXX the balance was {$0.00}. Please remove any negative marks from my credit reports immediately.
Consumer complaint received 2018-12-04
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. (NY)

Experian investigation into XXXX  XXXX bank account. I paid This account in full and they have removed them from my other credit bureaus. Experian does not update the credit report with accuracy or investigates correctly.
Consumer complaint received 2018-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: CURO Intermediate Holdings (VA)

A loan was taken out using my name and my information without my consent. I was never aware that a loan was taken out through speedy cash. I filed fraud with them and they never replied to me contacting them twice and stating that I never acquired a loan with such a lender. I then received a letter in the mail stating that I was past due by {$250.00} and that is all of the information that the letter contained when I contacted them they told me that there was a loan taken out in my name using my information for the amount of {$400.00}. I never signed a contract or note.. The only reason I came to find out about speedy cash was because in the beginning of XX/XX/2018 money was being taken out of my account from speedy cash. so I went ahead and filed fraud with my bank and I obtained a new account number. Then speedy cash began to take money out of my debit card so I had to get a new debit card as well.. when I contacted them and reported all of this activity as fraud they never did anything about it. now they are charging me for a loan that I never took out.. I WENT AHEAD AND FILED A POLICE REPORT AS WELL WITH MY LOCAL POLICE DEPARTMENT.
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

My tenant ( XXXX XXXX ) used to send his regular monthly rent via his Wells Fargo Account. He will send money from his Wells Fargo account to my XXXX XXXX account. Wells Fargo has a very faulty implementation of XXXX ( XXXX is from XXXX XXXX XXXX ) for the money transfer.Wells Fargo has no other way to make inter bank money transfer like old traditional ACH. Wells Fargo are forcing to use the wire transfer which is costly. 
My tenant is more than XXXX years of age and this issue is happening 2nd time. 
Every time - myself as well as my tenant has to spend time dealing with non customer friendly Wells Fargo every now and then. 
Today I talked with XXXX and XXXX XXXX during XXXX to XXXX XXXX central time. 
They only have excuses : 1 ) Telephone line is not clear 2 ) You have strong accent 3 ) It's XXXX 's problem - go and follow with them 4 ) It's the  problem with your tenant. You can not talk on their behalf.
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : RECEIVABLES PERFORMANC Account Number : XXXX Date : XX/XX/2018 Amount : {$660.00}
Consumer complaint received 2018-12-04
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. (CA)

For approx 11months I've had numerous errors on my TransUnion report and the credit bureau refuse to remove errors per FCRA.
Consumer complaint received 2018-12-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (AL)

Sent multiple dispute letters requesting verification of the debt. Letter sent on XX/XX/2018 and XX/XX/2018 only to receive notification that the letters were received. Verification of the debt has yet to be provided and this outstanding debt is continuously causing negative impacts to credit reports.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I took out a loan of {$9700.00}. in XX/XX/XXXX, to fund a business I got involved in with XXXX ( XXXX XXXX XXXX XXXX ). In XX/XX/XXXX XXXX was proven to be a scam by the FTC. I contacted all the credit institutions I had borrowed from, and on the Bank of America website it directed me to contact an employee of BofA directly. I did this, and was informed by an agent here in XXXX that Bank of America would do nothing for me. I continued contacting the other banks, and have had success with most of them so far. Recently I spoke with an agent from BofA about a different matter, and the subject of this devastating scam came up. He encouraged me to contact the fraud department and re-open my claim. I was finally able to find the right link, and Bank of America sent me a very long, detailed page to fill out, which I did, and sent it to them. They have since denied my claim because I did not dispute the charge within the 3-month window that they insist on. However, I could not have done that, because XXXX had not been proven to be a scam before XX/XX/XXXX. I received none of the promised benefits from XXXX, and feel I have a valid claim to this dispute.
Consumer complaint received 2018-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Phoenix Financial Services.. I requested a validation on XX/XX/2018 as there was 1 account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
Consumer complaint received 2018-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (PA)

The debt is with XXXX XXXX XXXX now being held by Midland. The original credit was balance was XXXX. XXXX refused to let me close the account when the interest reached about XXXX. Now it a little over XXXX. Midland is suing me.
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy had is holding my insurance payment because they want to foreclose. My house eas destroy during Florence I have no rough on the back part of my house im forced to stay there because navy fed took the money fema gave me to pay my credit card when i told that was money from fema i wasbtold the would not reverse it I had a payment Rangement because im with one of those companies that pays upur bills for younst a lower cosst. I kep calling but they dont care that i am in a house with no roof because they ate holding my insurance check from the insurance company i did know they could do i pay to be covered and I dont understand they have not forclosed and the house is still mine so how could they hold my check i was told is one of thete rules that you never hear about until it happens to you like so many other things. I dont was told the {$1300.00} would be put back but I havent cheacked they should have nevet taken it they could see that money came from fema i could go to Jail for using that money for anything other than what it was given to me. If i had not looked at mt account i would not known it was gone they dont tell you when they take the money. I was going to a hotel last week and i would have dividing the price of the Hotel by the number of days I could stay. There would have been a problem when I checked out if there was no money.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (PA)

I called XXXX XXXX who is issued by XXXX XXXX, transactions that I did not do/ they were all international charges. The agent gave me the run around stating that they can not issue a instant credit right away. Also there is no number to contact fraud Dept, all of this  may take up to 90 days to resolve which is child support money that I need for my child pls feel free to contact at XXXX
Consumer complaint received 2018-12-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PCS Receivables Corp. (TX)

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Prime Acceptance Corporation. I requested a validation on XX/XX/2018 and again on XX/XX/2018 as I had not received any correspondence from creditor to validate this delinquent account as factual. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and has not been updated to reflect my dispute of this account. I do not believe that this account nor the amount stated as owed is factual and this account continues to negatively affect me.
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (AR)

XXXX XXXX XXXX keeps trying to collect on a debt that I do not owe for XXXX XXXX. I have faxed them and other collection agencies that I do not owe a balance. They said they would call the agent for the apartment to verify that I do not owe a balance. However I went to the apartment complex and the agent says she does not know the agency nor why they are trying to collect money. I was denied rental of an apartment because of this on my credit file when it's not accurate. I have called them over and over again only to get the run around. I would like for it to be removed from my credit file permanently as Indo not owe the complex.