davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Profit Services Group (GA)

On XXXX, I received a call from unknown number stating that I owed XXXX from 15 years ago from a company called XXXX  XXXX. The Company that called is name. Profit Service Group. 
Iasked them why are they calling me 15 years later about a bill that old. I was told that bill was given to them from XXXX  XXXX on XXXX. 
I asked for them to send me company of bill with date of service. On XXXX I received a letter from Profit Service Group stating that I owed XXXX dollars to XXXX  XXXX. It did not have date of service. The only info on letter was than must paid with in 30 days or it will be put on credit report, invoice number and account number. 
I reach back out to Profit Service Group and spoke with XXXX he refuse to let me speak to Manager, to Discuss this letter request for payment. I then call XXXX  XXXX  to get info through them that stated that they donot have any info with that account number or Invoice number. XXXX recommenated that I call the Profit Service Group back agan, and once again i had no luck with getting info. 

Account number XXXX Invoice number XXXX
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (IN)

I NEED WESTER UNION TO FURNISH ME ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS FROM THE FOLLOWING NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

I have contacted Experian about removing fraud alert however its still on my credit file its posting as a security alert and fraud alert and I will like for experian to remove off my credit report
Consumer complaint received 2024-02-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX a overdraft deposit account was supposedly overdrawn for XXXX they then filed a 1099-c form which I received on XX/XX/XXXX Which intern I contacted Wells Fargo gave them account number in which that loan # ( XXXX ) did not exist and nothing under my name XXXX XXXX XXXX social security ending # XXXX. The customer representative wait 10 days for a answer and gave a reference # XXXX
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (CA)

Notice to principal is notice to agent, NOTICE TO AGENT IS NOTICE TO PRINCIPAL : I was a of victim of Identity Theft. I contacted and I contacted XXXX, XXXX XXXX AND EQUIFAX several times and submitted my Identity theft report XXXX to XXXX by fax and upload. XXXX keeps violating the credit reporting act by continuing to report fraud account son my reports. 

XXXX, XXXX XXXX AND EQUIFAX says per their policy ( not the law ) they can continue to report the fraud accounts and violate me and the fair credit reporting act with no concern because XXXX sold the fraud account to a unknown party.
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We had a temporary loan modification with Covid 19. We requested a updated loan modification before our modification was up. They said we did not qualify for a new modification ( they never asked for any financial information from us on our jobs or anything. Just sent us a letter saying our options were repayment plan. The first payment was due and I posted the payment. Them they sent a letter stating they withdraw the repayment plan because I didnt pay it by the due date. When I called I asked if I could post the payment for the end of the month. They told me I have no other options
Consumer complaint received 2022-01-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

This is my third attempt on CFPB to get Experian to remove negative information that I disputed via certified mail on here and with the XXXX. Experian failed to co.plete their investigation in 30 days. They are continuing ignore me and leave the erroneous information on my consumer report. They are leaving me no choice but to take all my proof to court and seek my remedy as allowed by law. XXXX per violation, I will also be seeking legal fees along with defamation of character along with other offenses. If the cfpb can't help resolve the issues than who does a consumer have other than the courts? EXPERIAN is not above the law and I will not allow them to continue this behavior. I will not upload documents they received on here and via certified mail. They have it all already. It's been 44 days now and the investigation is not complete and they keep failing to follow the law and remove the disputed items. I have lost business funding totaling over {$250000.00} due to Experian violating my consumer rights knowingly and wilfully. I will seek to be my remedy in court
Consumer complaint received 2021-01-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I asked Transunion to investigate items on my credit report that were not accurate. I was very specific about the items and included all the details. The company took more than 45 days to respond to my initial dispute. Legally, because of this all items in question need to be deleted because they could not verify within the legally allowed amount of time.
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (CA)

I received a letter on XX/XX/XXXX form XXXX XXXX XXXX XXXX they are collecting a debt on behalf Citibank NA. The letter is in Spanish but is a settlement offer to resolve a my debt with Citibank. The offer is good until XX/XX/2020. 
I contacted all my family members to get all the money together and pay the offer. Today XX/XX/XXXX I called to this collection agency to take the offer -remember the offer is good until XX/XX/2020- but I was informed that the account was recalled from Citibank. 
This is a unfair communication tactic from the Bank and form the collector since they made an offer and later decline it. For me sounds like Citibank is just playing and do not understand cases like mine where customers are making the best to resolve debt problems. 
I called Citibank to try to get the same offer and pay it, but I was informed that they could not locate my account since the account was recalled and I will receive a call from a Law Office in the following days.
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

Enhanced Recovery Co LLC reported to XXXX  Credit Reporting Agency that I owe {$920.00} dollars and they are collecting allegedly  for XXXX. It is against FCRA to report inaccurate information to any credit bureau without proving that the account belongs to me by providing original documentation that the debt in fact in deed belongs to me. So, it is illegal and a violation. No one called me to discuss this account. It is the case of identity theft.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITY NATIONAL BANK (DE)

I emailed, called city national bank customer service several times during the past 2 weeks to close my card. They stated only my banker will be able to close it and they have sent an email to my banker to close the account and will get back to me within 48 hours. However, it has been 2 weeks after 3 unsuccessful phone calls to close the account. I also personally called my banker, got voice message and did not hear back. All I need is to close my city national bank crystal credit card.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MA)

I am late on rent and all my bills because I cant access my money on my bluebird card. They informed me I reached a limit and was no longer to withdraw any of my money and had to wait till the beginning of next month to access my funds. This is the card I use for direct deposit. I have all of my checks deposited onto this card. I am now facing eviction because I can not access the money I work 12 hour days for 5 days a week.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquirY reporting on my Credit Report : 1. XXXX Inquiry Date XX/XX/2020 ; 2. XXXX Inquiry Date XX/XX/2020 ; 3. XXXX XXXX Inquiry Date XX/XX/2020 ;
Consumer complaint received 2020-01-24
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. (MS)

Made several calls to creditor as well as credit bureaus. made dispute with credit reporting agencies including sending letters.agencies are very beligerint and refuse to take action. this is not my account. Transunion  & XXXX  still have not taken any action. 
XXXX  removed derogatory mark.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2019, I received a notification that there was a change to my credit report. When I checked my notifications in my Experian profile, it stated that a collection account was added to my credit report and that XXXX XXXX flagged that account as collections for the amount of {$52.00}. I called the number listed for them that was on my credit profile on XXXX XXXX and they said they have no idea of this account and it shouldn't be on my credit profile and advised me to send in a dispute. If they didn't have any proof that this was my account then none of the Credit Bureaus should have never reported this on my credit report. This item remains on my credit profile as of today. It also looks like they are not licensed to collect in the sate of Nevada.
Consumer complaint received 2021-11-09
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. (CA)

I send a dispute letter to Equifax on XX/XX/2021 about the collection DESIGNED RECEIVABLE, Balance {$5000.00}, Original creditor XXXX XXXX XXXX. That collection is not mine, and I know the credit bureaus are the ones that have to investigate that fraudulent account but my complain with your agency is because the credit bureaus failed to comply with the Federal Credit Reporting act and did not respond to my dispute which I attached to this complain.
Consumer complaint received 2021-05-25
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. (MI)

XXXX XXXX is the holder for my Torrid card and they recently increased my credit line from XXXX to XXXX. On XX/XX/24 I received a notification that it was reported that I was over the limit and that my limit is XXXX. That is in fact incorrect. With this error, I loss points on my credit report that I worked so hard to get.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the PROG MGT SYS ( Original Creditor : XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-01-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (AZ)

Hi, I am filing this complaint because the executive office of Well Fargo is denying me to use a promissory note to open an account. 

I filed with them twice My 1st case # XXXX the agents were XXXX XXXX and her boss XXXX XXXX. They refuse my claim My, 2nd case # XXXX the primary agent is XXXX XXXX which look at my first case and reexamine the claim. He also refuses my claim. 
I have sent out attachments through email about the laws and regulations to back up my claim. 
" In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S.669. 

" A national bank has no power to lend its credit to any person or corporation ... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 s.ct 1024, 176 us 682, 44 LED 637. 
" Banking Associations from the very nature of their business are prohibited from lending credit. '' ( St. Louis Savings Bank vs. Parmalee 95 U. S. 557 ) " Banking corporations can not lend credit. '' ( First National Bank of Amarillo vs.

Slaton Independent School District, Tex Civ App 1933, 58 SW 2d 870 ) " Nowhere is the express authority granted to the corporation to lend its credit. '' ( Gardilner Trust vs. Augusta Trust, 134 Me  191 ; 291 US 245 ) " A national bank has no authority to lend its credit. '' ( Johnston vs. Charlottesville National Bank, C.C. Va. 1879, Fed Cas. 7425 ) " A contract made by a corporation beyond the scope of corporate powers is unlawful and void. '' ( McCormick vs. Market National Bank, 165 U.S. 538 ) ( Note : Black 's Law Dictionary : ultra vires Latin for " beyond powers. '' It refers to conduct by a corporation or its officers that exceeds the powers granted by law. ) Wells executive office does not recognize the laws My loan is to fix my teeth because I have XXXX  XXXX and it affecting my health which is putting me at risk. I need your help to reach out to them and give the laws above here.
Consumer complaint received 2021-11-09
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: STERLING JEWELERS, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on KAY JEWELERS ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Asses this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-11-05
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 — Investigation took more than 30 days
Company: Komyatte & Casbon, P.C. (IN)

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (CA)

I called XXXX to inquire about the account of my deceased husband, M.F. SS # ending XXXX. There was an account with XXXX XXXX. It shows as a delinquent account on my credit report. 

When I reported my husbands death to XXXX XXXX XXXX, I guess they were representing Bureaus Inc. But I really don't know who is representing who, I was informed that I would not have to pay. So the account was closed and sent back to Bureaus Inc.,  When I called XXXX XXXX the told me to contact Bureaus Inc.  When I got in touch with someone they told me to call XXXX XXXX XXXX. I was able to write and send an email on XX/XX/2019 to Bureaus Inc and I have not heard anything from them. 

I heard from XXXX XXXX, and they stated that they do not have the account. 

My goal here is to clear my name from this account as paid in full or have it taken off of my credit report. XXXX  XXXX said they don't have the account, XXXX XXXX says they do not have the account so now it's on Bureaus Inc. 

Please clear my name from my deceased husband 's account from XXXX XXXX. Acct # ending XXXX
Consumer complaint received 2021-08-16
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. (MD)

XXXX XXXX has been knowingly reporting false information to the credit bureaus and has damage my credit over 100 points.saying my account is delinquent as well as prior not reporting payments Since XX/XX/2021 I have been asking and demanding XXXX to fix the matter with no resolution in sight. They never updated my payment method on file to make payments have been charging me late fees and interest on an account they had yet fixed so I can make payments. Instead of resolving the matter they just reported as if I didnt make payments and charged me fees. I have an entire paper trail I plan to sue them if this isnt fixed and how can I just get this fraudulent company to return my security deposit as well as remove them altogether off of me credit report because they are fraud at this point. No one tries to help and just recently customer service today on XX/XX/XXXX and XX/XX/XXXX just now sending a link to make a payment after they have already damaged my credit put on late fees requesting me to pay so they can fix it when its already damaged I been trying to pay the entire balance off for MONTHS me paying it off now will not fix the issue they need to fix and report to the bureau so my credit is fixed once they do that I have no issue paying and requesting my {$200.00} security deposit back as well. This company has been moving very untrustworthy I dont trust them to follow through on anything and they barely respond back. The degree and damage this caused Im turned down on things now. Im not the only one who this company has had this issue with them in regards to payments and wrongful credit reporting its all listed in the XXXX XXXX under XXXX XXXX XXXX  XXXX XXXX. They need to report the last amount they last reported so my credit is fixed and allow me to make my payment and report that in timely filing as well in which they have failed to do as well its a huge mess with this company and very unacceptable.please see below I have attached some info as proof as well as complaints from other people who have been going through this as well
Consumer complaint received 2018-02-08
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. (IL)

Have written into all the major credit bureaus over 20 times in last 2 years ; have placed numerous of phone calls being on phone for over 2 hours and issue still unresolved advised them all that I am an victim of identity theft did what the asked filed police report, affvadaits etc some of the accounts have been removed but not the collection account that were attached to the crime. would like all 3 major bureaus to remove XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX from my credit reporting file
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX 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 credit score over 719XXXX has me at a score around 590. 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 XXXX i made this clear for 60 days straight with XXXX  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 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 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 im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.