davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Consultants, Inc. (FL)

XX/XX/2019 I received a letter from Professional Recovery Consultants where states that I have a debt with XXXX County Emergency Medical Services, NC. for {$770.00} I called them and they do not have a valid information such as date of birth, department number and also my legal name.I called them again t and I was told to do a dispute by email ( XXXX ) now, XX/XX/2019 I received another letter with the invoice of provider stating that I owed this amount The description of the debt is based on an Emergency service with date XXXX. 
XXXX County Emergency Medical Services XXXX XXXX : XXXX XXXX, NC XXXX XXXX Emergency base rates : XXXX ALS Emergency milage : {$12.00} It seems that is a fake invoice As I stated, I have never been in North Carolina. 
Professional Recovery Consultants does not have a valid information.
Consumer complaint received 2019-06-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (TX)

AD ASTRA RECOVERY SERVICE FOR XXXX XXXX  IN XXXX, TEXAS, THE TEXAS STATUS OF LIMITATION ON DEBT COLLECTION AGENCY IS 4 YEARS AND THIS DEBT IS 6 YRS 6 MONTHS, IT WAS REMOVE FROM XXXX   CREDIT REPORT, XXXX CREDIT REPORT BUT XXXX WILL NOT REMOVE THIS COLLECTION AGENCY FROM MY CREDIT REPORT, I HAVE DISPUTED IN WRITING THAT THE TEXAS STATUS OF LIMITATION 4 YRS HAS EXPIRED THAT THE COLLECTION AGENCY SHOULD BE REMOVE FROM MY XXXX CREDIT REPORT.
Consumer complaint received 2019-04-19
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ALLY FINANCIAL INC. (FL)

Ally Bank, was the bank I have my XXXX XXXX Financed, and was paid off on XX/XX/2015, has never being report to by credit on any of the bureaus, and I need this to be reported for me to be able to qualify for a house loan
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Law Offices of Hayt, Hayt & Landau, LLC (PA)

I never Borrowed the amount of money this law firm from XXXX XXXX is trying to get, they are reporting inaccurate amount of fees and penalty on my credit report stating that i owe them XXXX which i never borrowing from any credit card company. i disputed this account directly with the with this law firm, i never got any original contract, no supporting document, they only send me a copy of purchases made on that account but no proof that i own this company but the derogatory marks remained on my report. If they are n't able to remove this negative that 's really affecting my family live, i will like them to provide full verification and contract of this debt.
Consumer complaint received 2023-10-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

Repeated calls with the caller ID Portfolio Recovery, a known predatory debt collector. This company calls from several different numbers, I have blocked them all but they don't stop. I do not owe any debts to these people. The latest number they called from just a few minutes ago was XXXX
Consumer complaint received 2022-12-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have tried for awhile to get inaccurate information corrected on my Equifax credit report. I have made several attempts to get them to conduct a proper investigation, but they won't conduct XXXX. I wrote them on XX/XX/XXXX and they never responded and they have not made any changes to my credit report. I have also tried correcting this with the furnishers, but they also failed to conduct a proper investigation. They continuously violate the FCRA and continue to report inaccurate information.
Consumer complaint received 2019-04-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The month of XX/XX/XXXX andXX/XX/2017it has reported that i was 30 days late on my payment. I did not have a late payment. Bank of America is the credit card company.
Consumer complaint received 2018-01-14
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. (TX)

XXXX XXXX charge me for a charge that was not mine sent the police report that my items were stolen that a laptop and XXXX so my pw was saved on it violation or cra, ncac for credit unions XXXX showing incorrect amount costing me a loan usage and XXXX line of credit not showing with no balance making my usage of credit high
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

While reviewing my credit report I noticed that I have several late payments on my old mortgage account that I do not recall ever being late on a payment. Please reflect on my credit that my payments were on time. This account has been closed since 2019.
Consumer complaint received 2023-04-10
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX XXXX
Consumer complaint received 2023-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I am the victim of wire fraud which seems to be abetted by Wells Fargo. After wiring {$15000.00} to the recipient 's Wells Fargo account for an automobile purchase XXXX, the vehicle was never delivered. 

I believe my loss was facilitated by Wells Fargo 's failure to properly verify the owner of the receiving account. Wells Fargo failed to respond to my questions on ownership of the receiving account, available balance in that account or any identifying information that could be provided to law enforcement. 

In the end, Wells Fargo suggested I meet with a local, XXXX XXXX, branch manager. When contacted, that branch manager would not meet with me and kicked the can back to the Wells Fargo fraud group who did nothing. 

We are now left to engage an attorney to help us resolve what should be a simple resolution.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

I noticed that there are 8 outdated accounts listed on my credit report. I would like for these accounts to be removed by guidelines of the FCRA. The accounts that are listed are very outdated.
Consumer complaint received 2017-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP (PA)

I have submitted another request for this issue that was just closed without proper evidence under complaint XXXX. Again, KeyBank has failed to address that they continued to charge non-sufficient fund and return fees for an account that I closed in their branch. Note, I have had many discussions with KeyBank both in person at their branch, and via their call center in the XXXX. I am glad that KeyBank provided evidence of previous miscommunication with their XXXX center, resulting in a refund that they paid to me. I am not sure how or why this lack of communication continues to occur, but KeyBank has placed my name in XXXX for overdraft fees only, again sometimes charging as much as {$77.00} for a {$17.00} charge. My first question is specifically to the Consumer Financial Protection Bureau - is this legal? Is a company able to charge & XXXX for a {$17.00} return charge? Why, as a consumer, is KeyBank able to punish me for choosing to no longer do business with their bank and closing my account? As noted in my initial complaint, KeyBank has never paid a charge on my behalf, and my current balance with this organization is only from their service fees. My second question is for KeyBank - what responsibility do you take for not properly closing my account, as requested? Your response to my previous complaint was that you are taking no responsibility for your mistake, and continuing to assess overdraft charges for an account that was closed. In addition, how are you rectifying the situation with your call center? I am aware from speaking with your branch that many of your customers ( not only me ) have complained that your call center employees do not properly understand English, and I have a concern with how you are protecting my personal information when it is outsourced to another country.
Consumer complaint received 2015-09-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Oracle Financial Group LLC. (TN)

I had applied in XX/XX/XXXX for a online loan with XXXX XXXX and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to XXXX XXXX. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed
Consumer complaint received 2022-12-14
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Consumer complaint received 2019-06-25
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. (FL)

Dear CFPB I would like to put a complaint on the credit agencies and XXXX  XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX and XXXX XXXX  XXXX. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$370.00} } to XXXX and ( {$640.00} ) for XXXX on my credit report. I have contacted XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Consumer complaint received 2022-12-14
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-06-25
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. (TN)

The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My XXXX Acct and personal loan is showing as late, when I have always paid on time with all of my acct. And it was never late. I have tried in good faith to work with XXXX XXXX XXXX credit union and also the credit bureaus to correct this, as this false information is hurting my ability to some day seek a mortage
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TransUnion wrote me a letter stating they wont reinvestigate my dispute for Account Name : XXXX XXXX XXXX XXXX Number XXXX saying that it was verified but how is it verified when the Account numbers, Dates Open, Dates last active, Payment Status and Account status are different on each credit report according to the law 15 U.S.C 1681 Section 602 A States that I have the rights to privacy And law 15 U.S.C 1681 Section 604 A Section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions And I never gave TransUnion my permission nor written consent to furnish this account I want to know how was it possible for me to be the owner of this account and I was incarcerated until the summer of XX/XX/2022 XXXX
Consumer complaint received 2019-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (NJ)

I am being sued by a debt collector from a credit card I never had, yet they claim I owe this money. This is a bogus credit card that I would Never have and dont know how this company obtained my information. XXXX Credit Card. I have Never heard of this company
Consumer complaint received 2018-02-22
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: WELLS FARGO & COMPANY (CA)

I was told that a soft pull on my credit would be done and not a hard inquiry. I just noticed that it's still on my report and I'd like to remove it.
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, Original Creditor, Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which iare found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records. The following items needs to be remove : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX CAR XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} ; XXXXXXXX XXXX XXXX  XXXX Unpaid Balance {$93.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} ; XXXX XXXX XXXX Unpaid Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Unpaid Balance {$830.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} ; XXXX XXXX XX/XX/XXXX. 

If you feel there is a possibility these items belongs to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 2019-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I have an account with BBVA Compass. They have held two consecutive paychecks for undefined amounts of time. When the deposit is made, they do not tell me how long the check will be held. The last time it was 9 days. I have no clue how long my current check will be held. It is not listed on the receipt nor can they tell me when i call customer service.