davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (SC)

I have asked Midland Funding numerous amount of times, both in writing, disputes through credit reporting agencies and verbally on the phone to provide proof of debt. They have not sent the requested documents. I have disputed the item multiple times and they continue to send back that it is verified when it is not. They have also sent comment that debt is currently in the care of a lawyer which is untrue. The debt is past the statue of limitations in the state of South Carolina. Credit debt has a span of 2 years, after which the collection agency can no longer sue and can not threaten lawsuit. This company has also broken FCRA regulations when it comes to debt collection and has been sued and found guilty of such. This company has attempted to try and collect this debt from me by threatening to have me served, at the time of the threat they did not inform me that this was a time barred debt they were attempting to collect on. When I asked for verification of debt they claimed they had mailed that to me 30 days prior. I have informed delivery on my mail and would have seen this attempt. I informed the rep on the phone that I did not receive it and will need it mailed it again. She stated that it may have been lost in the mail and that they would not send it again and will have me served. The rep then hung up on me and blocked my number. This company has numerous reviews listing their predatory ways of attempting to collect a debt. The debt they are attempting to collect from me is a XXXX XXXX credit card. I have told them multiple times that I know nothing of owing this company. I have requested that they send me proof that contains my signature where I agreed to a credit card with the ORIGINAL company. I also requested proof of activity on the card showing or adding up to the balance that is being reported. The company has not sent any of those items. This request was made in XXXX of this year and again in XXXX of this year. Both requests have been ignored. I will attach the final judgement and order that was placed on the company in 2020.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX  XXXX ( Bank ) XXXX. XXXX, XXXX  These hard inquiries need to be removed they are fraudulent and according to 15 U.S.C. 1681 b. These can only be used by permissable purpose. I've tried to remove these before to no avail. Please see to it that these are removed thank you.
Consumer complaint received 2022-08-08
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. (CA)

I CALLED TRANSUNION AND SPOKE WITH XXXX XXXX, SUPERVISOR, ABOUT REMOVING INFORMATION FROM MY CONSUMER REPORT. XXXX STATES ANY ACCOUNT STAYS ON MY CONSUMER REPORT FOR AT LEAST 7 YEARS AND IF I WANT IT REMOVED, I NEED TO CONTACT THE ALLEGED CREDITOR OR DISPUTE IT. I ASKED XXXX IF TRANSUNION HAS MY WRITTEN PERMISSION TO FURNISH ANYTHING ON MY BEHALF, HE SAID NO. THAT IS A VIOLATION OF TITLE 15 USC 1681B ( A ) 2. IT IS ALSO A VIOLATION OF 15 USC 1681 ( A ) 4.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (GA)

Under the Fair Credit Reporting Act ( FCRA ), I XXXX XXXX XXXX have a right to the fair and accurate reporting of my credit information. 

In accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, Account Info Reference Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMT Solutions, LLC. (WA)

I received a letter from PMT informing me of my past due bill from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. PMT wanted me to pay them a {$60.00} service charge on top of my bill. I went onto the XXXX XXXX XXXX website and paid the bill directly on XXXX for the amount of {$250.00} which has been approved and withdrawn from my bank account. PMT now calls me daily leaving robocall voicemails to call them back with no reasoning. I have checked my credit report bi monthly and not had any debt collections on my report. This is looking like a scam.
Consumer complaint received 2019-05-01
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. (GA)

On XX/XX/2019 I found via updated credit report that there were inquiries that I am unaware of. I contacted the bureaus via phone in efforts to dispute those unknown inquiries. However, contacting the bureaus to dispute was unsuccessful. 

Equifax = 17 XXXX = 6 XXXX = 11
Consumer complaint received 2023-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (NJ)

On XXXX I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (AZ)

I XXXX XXXX XXXX has a Mortgage with Rocket Mortgage ( Loan Number XXXX ) and unfortunately during the Pandemic I applied for " Federal Housing Finance Agency COVID-19 18-Months Forbearance '' with Rocket Mortgage. I was granted the COVID-19 Forbearance for a total of 18 -months from Rocket Mortgage, and I also received a letter from Rocket Mortgage that says The repayment of the deferred amount will be due when you payoff your mortgage, sell your home or refinance. However, this is not the case and now Im in a difficult position of needing to pay back a Balloon Payment to Rocket Mortgage of {$20000.00}. 

As of XX/XX/XXXX Rocket Mortgage has stop accepting my payments and attempted to modify my 18-Months of Deferral Payments into a 40-year loan and increasing the Principal Balance. On XX/XX/XXXX my Brother-in-law ( XXXX XXXX XXXX ) who I Authorized as Contact on my loan called Rocket Mortgage in my behalf and spoke with ( XXXX ) a Supervisor in Rocket Mortgage Covid-19 Forbearance Relief Department and attempted to explain to her the letter we have received from Rocket Mortgage that these 18-Months of COVID-19 Forbearance Payments are not due until the loan is paid off, sold, refinance or the loan is Matured, we even pointed out FHFA guidelines listed on XX/XX/XXXX Moratorium and Supervisor XXXX declined to look into this matter. 

On XX/XX/XXXX I open a Complaint with Arizona Attorney General XXXX XXXX and later that evening I received an email from Rocket Mortgage that the loan modification has been withdrawn and threating me with Foreclosure, if I do not pay them the Balloon Payment of ( {$20000.00} - {$2100.00} = {$18000.00} ) by XX/XX/XXXX. 
As I was scared of losing my home and Rocket Mortgage destroying my credit, I was not able to get approve for a loan and had to resort in selling lots of my tools and personal belongings at cheap prices to raise {$9000.00} and received the rest money from family. 

Please, review I was deceived by Rocket Mortgage that I wouldnt need to pay back these payment until my loan is paid off, sold or refinance and now I being threaten with Foreclosure by not paying this Balloon Payment.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

In XX/XX/2023, my chime banck account was hacked. as soon as my money was deposited into my account the hacker kicked me out immediatelyof my account by changing all my personal information for months i have been filing disputes with chime and they keep deniying. the amount stolen was XXXX im on a fixed income unemployed and that inccident has ruined my entire life in every way possible. im atleast a month behind or more on all my bills i have had to take extra loans out to get by i just was evicted with no where to go just waiting to be served. few months before that i started getting notices of being in data breaches i think i have five or six so far still researching. i hhave no clue what to do im a single mom of XXXX and just was barly getting by and clueless to even learn about accounts being hacked or data breaches or anything of sort i have plenty of emails back n fourth with chime the notices of data breaches etc. im lossing my mind seriously from this i cant eat or sleep or leave my house please can someone atleast help me find the right help and steps to take whatever will help me i will go find the emails and notices andd print everything and if someone reaches out ishould have everything together to send best way to reach me is emails.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX has not been validated and is currently disputed. 

Have applied for mortgage and is preventing me from being approved. 

This inaccuracy has been disputed for the past 24 months and the creditor has changed dates and name of creditor repeatedly in order to keep erroneous information on all 3 credit bureau reports.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Well I was notified the credit card was closed thru XXXX. I went to the App for the credit card and it said the account was closed. I never closed it and didn't want it closed. I called the company of the credit card thins morning and was informed that they closed it cause my credit score dropped for last few months and that they could not keep the account open cause I was a credit risk. I was always paying the bill and mostly paying double the minimum each month and was in good standing over the last year I had the card. I feel as that was deceptive cause of them closing only cause of my credit score. That tells me they were pulling my credit monthly if the saw it dropped each of the last few months. 

The credit card company is Synchrony Bank. The card was thru Pepboys but issued by Synchrony Bank.
Consumer complaint received 2022-08-08
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I have Venmo in XXXX I received a settlement check from my old job. I just finding out that it went Venmo. I signed into my Venmo app all of sudden the frozen my account. They ask me to send them identification I sent it .now it been weeks later no body gotten back me .they holding people money hostage and it not fair. They say six days for them to resolve the matter it almost three weeks later. You call the customer service and they tell the consumer the department dealing with it doesn't have a phone number.i have email the CEO and they still have not gotten back to XXXX need my money it been hard on my because of them and there poor behavior.
Consumer complaint received 2023-06-12
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: GOLDMAN SACHS BANK USA (OH)

Creditor closed my account fir no good reason will not tell me why and now has my money their are severely outstanding dispuites on that card which have been ruled in my favor yet a have not recived my money from the balance that was left on the card. I want my money returned to me the dispuites were ruled in my favor. I also want a complaint on file this creditor is bogus and closes people 's accounts for no reason with no explanation. Ridiculous
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (UT)

I purchased XXXX gift cards totally {$250.00} from Nordstrom 's ( XXXX, Utah store ) on XX/XX/XXXX. I have an XXXX receipt confirming the charge. 

I was able to use XXXX out of the XXXX. The remaining still shows the original amount of {$50.00} dollars when I go Nordstrom 's website to verify the amount. However, the store has a block on it. I have spent over XXXX hours of trying to get it unblocked by either visiting the Nordstrom store I bought it or on customer service. When I go to the store they tell me to call customer service. When I call customer service they tell me to go to the store. 

In my opinion this amounts to fraud.
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am done paying off car I have the pink slip in my possession yet Capital One continues to try to collect money even though I am in possession of the pink slip making me the official owner of my car they are aggressively violating my rights by trying to collect on a debt that is paid off in full they are trying to nibble and get thousands more.
Consumer complaint received 2022-08-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Texas Guaranteed (TX)

I have emailed XXXX over 20 times and havent received 1 single direct response. They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my complaint ) and Trellis that ignores 2 important points. There was an additional point but I know XXXX will admit that they lied to a 3rd party for legal reasons. 

Now XXXX at Trellis is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which they were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. Trellis is also ok with them not directly answering the 3 points I have been trying to get directly addressed for months! Its not rocket science simply directly and specifically address my points I need the following directly answered : 2 ) Because XXXX is the original creditor they can contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW XXXX  contacts me and they refuse to acknowledge it and confirm that Email and my XXXX XXXX only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with 3rd parties 3 ) XXXX ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (PA)

Phoenix Financial states that this debt 1 is from XX/XX/XXXX with an amount of {$2500.00} that they put on my credit report as a late payment. When contacting Phoenix Financial Services they inform me that this account is from XX/XX/XXXX from a credit card that was not mine. A. These charges are not mine and B. They shouldnt even be on my account from 7 years ago. How do you even get away with this? I need and want this taken off of my credit. I had greatly improved my credit score and this false debt has lowered it tremendously by almost 50 points. I desperately need help with this matter. I look forward to communicating with you.
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 someone had sent me {$410.00} on XXXX through Chase Bank. This person said that they sent it to me accidentally and to send it back which I did immediately. As seen in the screenshots this person requested the money but after it was sent they canceled the request payment because I sent the money back.This person made a claim and reversed this charge so Chase took {$410.00} out of my account. I have tried to contact this person but I have had no luck.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (FL)

I have had this store card company report negative information on my credit reports. The problem is that I have never applied for a store card with this vendor. I tried disputing it with the store and also on my credit reports. The store says I have used the card for 2 years and that there were payments. I have tried to tell them that they either have the wrong person or that someone is using it fraudulently. I have also told them that I don't even shop at that store. This account shows an address that I used to live at but currently don't. I advised them that maybe someone whom purchased the resident may be using my identity
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (TX)

I sent out over {$200.00} dollars of Certified letters via mail to All 3 Credit Bureaus on XX/XX/2023. With disputes letters along with copies of my identifications to verify who I was. I asked that all XXXX credit bureaus send me an updated copy of my credit report once the corrections were made/fix/resolved. But all 3 credit bureaus didn't fix or resolve the disputes or send a corrected/updated credit report. In fact the disputes I sent to them are still reflected on my account as I type this complaint on XX/XX/2023. Which has given the company 4 months of opportunity to resolved my disputes. But they have not.
Consumer complaint received 2023-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

My name is XXXX XXXX XXXX, and my account number is XXXX. I have been a satisfied and loyal customer of capital one for six years. Additionally, this account was my very first account I opened after graduating college. 

Your outstanding customer service provided is the reason I have remained a loyal customer. I considered it a priority to make all my payments on time for thirty-thre months. Unfortunately, I fell short of my standards when it came time for me to update my checking information for my automatic payments. 

During the time I opened my first credit card account establishing credit my account was suspended because I was in a car accident, and I was hospitalized for a month, while been hospitalized I had to replace my debit card because all my items were lost from the car accident. While being hospitalized I was not able to update my payment information and my account had fell past due for missed payment. 

I realized it was still my responsibility to make my payments and update my information. Since then, I have recovered and made the payment following the account suspension. 

As a longtime customer and currently in good standing, I respectfully request that you apply a goodwill adjustment on the late payments from my file with all three credit reporting agencies, as im seeking to pay the account off in full XX/XX/2023. 

Thank you very much for your consideration. I look forward to continuing being a satisfied customer of capital one.