davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (TX)

I received a copy of my credit report which showed a creditor,  Paramount Recovery Systems , a collection agency, in the amount of {$710.00}, reporting to all three major credit bureaus. I contacted the collection agency and requested that they validate the debt and provide me with proof of the debt. In response they provided me with an itemized medical bill showing medical procedures, diagnosis and summary charges. This is a violation of the HIPAA law as the collection agency should not have access to this information. I am happy to provide this information upon request.          Paramount Recovery Systems   XXXX   XXXX   XXXX   XXXX , TX  XXXX
Consumer complaint received 2017-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MN)

I applied for the XXXX XXXX XXXX program. I sent in the application after working at XXXX XXXX XXXX for 5 years as a highly qualified full-time XXXX XXXX for XXXX XXXX XXXX. In section two of the application, I marked that I XXXX  at an eligible XXXX XXXX then below that it says to check all that apply so I checked the box that says that I was a highly qualified full-time XXXX XXXX for XXXX XXXX XXXX  with a forgiveness amount of up to {$17000.00}. Then I also checked the box below that because it also applied to me since being a XXXX XXXX I am also considers a full-time XXXX XXXX XXXX with a forgiveness amount of {$5000.00}. When I got the letter back from the loan service that said my application was accepted in XX/XX/XXXX2017, they only forgave {$5000.00} when it should have been {$17000.00} since I am a full time XXXX XXXX. So when I called about this I got many different messages, some people sent me to other places when later I found out that they do all of the paperwork and accepting in house. Then one person told me since I checked the second box they are required to only forgive me the lowest amount. Then I had to have my XXXX send in a letter on district letterhead that said I was a full time XXXX XXXX for those years. This is not necessary and they are making me jump through hoops that I should not need to jump through since I followed the instructions on the application form.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovate Managed Holdings, LLC (NC)

I 've tried to contact XXXX XXXX XXXX ( formally XXXX XXXX ) and they 've denied my request. I 'm filing a complaint on this judgement because it was unfair and inconsiderate. This is the letter Ive sent to them. 

To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on [XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ] for my account [ loan account number XXXX ]. 

During that time, my mother fell XXXX XXXX, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she XXXX XXXX, and was unable to make my car loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. 

I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.  rebuilding my future. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank You.
Consumer complaint received 2017-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In 2014 Bank of America inexplicably shut all my bank accounts along with some longstanding credit cards. No reason was provided and no appeals process made available to me. I was at a complete loss and had to scramble to open new accounts, causing me to miss credit card payments and severely harming my credit score. I was not aware of the CFPB so i did n't file anything back then. A week and a half ago i tried opening a new account with BofA but got a response that " based on our records we 're unable to open new deposit products or services '' for me. I thus turn to the Consumer Protection Bureau to get some answers ( which BofA has refused heretofore to supply ). Tnx
Consumer complaint received 2017-12-17
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: EQUIFAX, INC. (FL)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Telephone : XXXX Web : www.equifax.com/personal/disputes We also obtained your credit score from this consumer reporting agency and used it in making our decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 

Credit Score : XXXX Score Date : XXXX/XXXX/2017 Scores range from a low of 250 to a high of 850. 

191 NUMBER OF ACCOUNTS 304 NUMBER OF NON-UTILITY INQUIRIES 331 PERCENT OF RECENT NON-UTILITY INQUIRIES POSTED RECENTLY
Consumer complaint received 2017-12-17
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 (GA)

There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My personal information has been used Equifax I found 18 Hard Inquire In one year 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 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fellow XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not aware that this was happening until recently I have a XXXX XXXX account from XXXX XXXX for {XXXX} that I 'm working on trying to get off my credit as we speak I did a father account did a police report XXXX game medical XXXX XXXX XXXX {XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {XXXX} XXXX XXXX I 'm just now at XXXX trying to get my credit together together and and I also would have some to update my personal information some addresses if you can just give me a call at XXXX XXXX XXXX XXXX XXXX birthday XXXX XXXX
Consumer complaint received 2017-12-06
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 (SC)

There are 2 credit inquiries on my credit report with all 3 credit bureaus. I have never had an interest in credit cards nor do I have a credit card. These inquiries were not authorized by me. I have contacted Capital One who in return told me to contact the credit bureaus. Each credit bureaus has advised me to contact Capital one to have them removed. I have sent out multiple inquiry removal letters to each credit bureau via certified mail and to no avail of deletion. The dates that these inquiries were posted to my report is XX/XX/XXXX & XX/XX/XXXX. These inquiries were not authorized by me and I would like to have them removed. 

I also have a credit inquiry on my report from XXXX XXXX on XXXX/XXXX/XXXX that I did not authorize & I received the same feed back from both the company & the bureaus. I have been a XXXX cell phone customer since XX/XX/XXXX & I have no need or use for XXXX XXXX XXXX. 

I am not sure what XXXX XXXX is or the reason for them performing a Credit Inquiry on me but there is an inquiry on my report from this company on XX/XX/XXXX that I did not authorize. 

I have not authorized any of the above inquiries & I have not been successful in reaching a resolve with these companies or bureaus one on one. 

Their reportings are in violation of the FCRA.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year> an account was opened in my name, which wasn't authorized by me due to me being XXXX. There's a balance of XXXX. Ive continued to ask for the proper verification & and documentation from the creditors, which they refused to provide. I was recently released from XXXX & trying to get my life back on track. These accounts has caused so much frustration & hardship on me due to me not being able to do anything.
Consumer complaint received 2017-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OR)

I checked my credit report on XX/XX/XXXX and noticed a derogatory mark. the derogatory mark was posted on my report with a total of {$770.00} owed to the telecommunications company XXXX dating back to XX/XX/XXXX. I have never opened a XXXX account in my life, there were two companies listed as collectors for the debt the first company was " XXXX XXXX XXXX ''. I called " XXXX XXXX '' and they stated to me that they no longer handled the debt and that it was returned back to the original creditor " XXXX ''. the second company listed as handling the debt was " XXXX XXXX XXXX '' I contacted them via phone about the debt and was told that XXXX still owns the debt but uses them as a collector on sprints behalf. I told the agent I did not owe the debt and that I never have opened a XXXX account. I was told to contact XXXX
Consumer complaint received 2016-05-04
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI)

I received an e-mail XXXX ; XXXXXXXXXXXX To XXXXXXXXXXXX CC XXXXXXXXXXXX XXXX XXXX at XXXX Hello XXXX, The package entails a check of {$2900.00}. You are required to deposit the check at your bank. Do note that we deal with banks ONLY, Reason is that we make monthly reports of our transactions and financial activities to the government through the bank, so the records are required. 

STEPS TO FOLLOW You must memorize key points e.g. staff name, location of toilets etc. 
Do not use leading questions e.g. " do you sell large drinks? ". This will restrict the level of service the staff are able to provide. 
Relax, act normally, and do not draw attention to yourself. 

FIRST ASSIGNMENT INSTRUCTION BELOW You will be evaluating XXXX ( XXXX ) Money gram stores in your city. The payment you received covers all expenditures including evaluation, shopping, transport and your compensation ( salary= XXXX ) for these surveys. The balance of the money will be used to conduct a survey at the Money Gram stores. As a XXXX XXXX you should go there and study how to send money and memorize all you see at the outlet. Below is the name/info you will transfer the money/ You are to Wire {$1200.00} at each of the Money Gram money transfer outlet. 

INFORMATION FOR THE MONEY GRAM Name : XXXX XXXX City : XXXX State : MA Zip Code:XXXX Amount : {$1200.00} *You do n't need an address to send Money gram transfer, you have all that is required* * Please note, you are going to the store as a secret agent and no one must know you are working as an undercover agent or that you are evaluating them. If they ask if you are sending on behalf of another person or business, the answer is NO* BELOW IS THE EXPENDITURES BREAKDOWN : - Money Received {$2900.00} Salary {$250.00} Money gram Wire XXXX {$1200.00} Money gram XXXX transfer fees. $ XXXX Money gram XXXX transfer fees $ XXXX Money gram Wire XXXX. {$1200.00} PLEASE CHECK ATTACHMENT FOR ASSESSMENT FORM. 

Best Regards, XXXX XXXX XXXX XXXX XXXX 2016 XXXX, XXXX
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (MD)

Around XXXX XXXX I contacted Navy Federal Credit Union for a loan for a dump truck. I was asked to issue a bill of sale in order for the bank to review the value of the truck and determine loan amount. The bank came back after credit checks and I assumed VIN check and approved a loan of {$33000.00}. We accepted and signed agreeing to the loan under XXXX XXXX XXXX. 

Upon Arrival in Mississippi to pick up the truck, we realized after being there for a few days that the sale was a scam and that XXXX XXXX XXXX was in the business of scamming people. We immediately tried to contact the bank but XXXX XXXX was out and no one else seemed to be able to assist me with the issue. I sent numerous texts and emails and made phone calls and no one tried to assist. When XXXX returned I explained in detail what I found out from the BBB, XXXX XXXX, and various other websites that the owner XXXX scammed many other people the same way. XXXX tried to help and we continued to make payment on the truck until XXXX XXXX. I made numerous calls to the bank and was told rudely by one woman in the business collections department that it was n't there problem. After a few more calls someone from the business department called and asked me to tell what happened so they can best help me. I was told that the loan should n't have been issued in the first place and that no one actually did a vin check to see the value of the vehicle. Upon doing a Vin check they found out that the truck was only valued {$1500.00} and that it would n't be worth them repossessing the vehicle. I was told I would be contacted about the next course of action. 

I started getting letters from the bank saying they will need to take further steps if the account was not brought up to date. I called the bank and told them I could not afford to make the monthly payment as the truck was not in our possession and that is what we would have used to make the payments. I was told that the collections process would have to run it 's due course and I would be contacted by their lawyers. 

I received a letter from Attorney XXXX XXXX approximately XXXX XXXX to call about the loan or they will assume the loan is mine. I tried calling the number on the letter and no one picked up. I sent the letter back explaining that I contacted the bank and that the whole deal was a scam. I never heard back from the lawyer 's office. 

On XXXX XXXX, XXXX I received a letter thanking me for a payment I did n't make. I rushed to the bank only to find out the cleaned out all the money from my personal accounts without my knowledge even though I was told the dump truck was the collateral for the loan. 

This really put me and my family in great distress to the point that I could n't go to work. I try really hard to keep my credit profile clean.
Consumer complaint received 2017-12-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NC)

On XX/XX/XXXX, I closed two matured CD accounts at PNC Bank in XXXX, NC. Last week I received two checks from PNC Bank, one for {$7.00} and the other for {$6.00} with this cover note : " In the past, your account ending XXXX received a special rate offer or promotional rate. We recently became aware that you may be due one additional day 's interest because your rate expired one day earlier than disclosed. '' Two years have passed. I wanted to know the action that was taken by PNC that resulted in uncovering this error. Also, since PNC Bank had my money for two years without my consent or knowledge, at the very least they owe me two years ' interest on the money ... and if they had my money for two years, they had the money of other depositors who were similarly unaware. 

I phoned PNC Bank at XXXX and was given the same explanation as stated above. The " escalation '' agent was to get back to me with answers. I received a call earlier this week ( probably Monday, XX/XX/XXXX ) from XXXX XXXX ( unclear what her name is ) who gave me the same explanation as above. In short, a week went by and I received no answers. 

My concern in writing this complaint is that PNC Bank has withheld earned interest from CD depositors for two years. My amounts are peanuts, I know. The bigger questions are why did it take two years to learn that they had our money and why they have n't paid us interest on this money? Something 's seriously wrong here. Can you get an explanation and our interest for us?
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2017-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

I had been a customer at Wells Fargo Bank ( and their prior named financial institutions ) for over thirty ( 30 ) years. I had an unblemished checking account. 

In XXXX 2016, they allowed a female caller ( I am male ) to have full access to my checking account. Wells Fargo provided statement information ; blank checks ; and changed my mailing address. They also allowed that person to open on-line services to my account. 

Wells Fargo then closed my account, but told me that they would open a new account for me, as well as cover all of the checks from the closed account. I gave them a ledger of outstanding checks. 

I filed an identity theft police report and provided Wells Fargo with a copy of said report. 

Wells Fargo then allowed the female caller to gain access to my new account. 

Wells Fargo then closed my new account and when they tried to open a second new account, they informed me that I was a high risk ( due to the ID theft ) and that they could not open a new account for me. 

Wells Fargo then refused to give me my money back. 

Wells Fargo has refused to provide me with a copy of the recorded calls from the female caller. 

Wells Fargo 's bank manager went into the public hall with me and announced in a very loud voice that he was wondering what I did criminally to have Wells Fargo close my account. 

I then received a letter from Wells Fargo that advised that they made a " business decision '' not to do business with me anymore. They also entered derogatory information about me on some eternal bank system, alerting other financial institutions that I was a " risk ''. 

Again this all stems from being a victim of id theft, all at the hand of the lax security procedures of Wells Fargo. 

Wells Fargo also " bounced '' the checks that they promised to honor.
Consumer complaint received 2017-12-17
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: DISCOVER BANK (GA)

There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( Transunion and XXXX ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX has been very successful and very helpful in removing the same EXACT accounts that Transunion and XXXX failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.
Consumer complaint received 2017-12-17
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 (WV)

On two occasions, within a span of 2-3 days, my credit was used to try and finance a vehicle. I had no knowledge of it and did not authorize these inquiries. I contacted each one of them by phone and they refuse to help me.