davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

hi. i cancel the flight and XXXX XXXX email me that i did qualified for a waiver ( see attached email as proof ) capital one promise to refund ( see attached email as proof ) but they re bill. on XX/XX/2020 i spent 2 hours on hold with capital one trying to resolve the issue. cap one email me a link to uploaded all my proof which i did. the same day cap one mailed me letter denying my claim. cap one never process any of my proof. i called again on XX/XX/2020. i spent 2 hours one the phone. cap one email a link i uploaded the info and the same date cap one mailed me letters denying my client. cap one has fraudulent practices. they don't review any of the proof and instantly created a denying letter. cap one alleged visa denied the claims.however i had resolve peacefully and easy the travel disputes with XXXX  and XXXX which also used visa. please research i'm tired of writing letters, sending emails and wasting so much time on the phone. cap one it's been abuse it toward me.PLEASE PROCESS MY 2 REFUNDS. thank you
Consumer complaint received 2022-07-18
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # 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 2022-07-08
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: HCFS Healthcare Financial Services of TeamHealth (FL)

N Accordance with the fair credit act XXXX account # XXXX, XXXX, XXXX, has violated my rights. XXXX, XXXX XXXX, ARS 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meridian Financial Services, Inc. (NY)

I have two weeks Deeded Timeshare that are PAID IN FULL with XXXX XXXX XXXX in XXXX Florida. I was making monthly payments for my HOA past due at one point on my credit card As well as renting out the unit and allowing XXXX XXXX to keep the proceeds in order to cover the maintenance fees. After my wife became XXXX due to XXXX and subsequent XXXX and had to reduce my working hours to part time we informed a representative named XXXX with XXXX XXXX in their collections department of the situation and he suggested that we could deed the time shares back to XXXX XXXX, and with the understanding we would not be able to use the time shares and would lose whatever equity we have in the timeshares ( approximately {$30000.00} for both weeks ). We agreed and were expecting paperwork which never came ; in the interim, Covid was a reality and we like most people were in a battle for basic survival. XXXX XXXX was not communicating with us and we just thought it was due to Covid. N w we find ourselves two years later trying to defend collections through XXXX XXXX agency for an amount of {$4800.00} which is quite a bit of money expecially since my wife 's We are not sure which agency can help and are contacting your agency for help and to understand how to navigate this matter. Any help you can provide us with would be very much appreciated and welcomed. 
Please let me know if you need any additional information. 
Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Recovery Management Solutions LLC (AL)

Recovery Management Solutions has been told on multiple occasions by family members who they have contacted about a debt they claim I owe to stop calling. They will not stop. They have been informed that their calls are considered harassment and have continued to call back. 

I personally have requested that all communication be made by mail and the calls have continued. I have never received a bill or any other written communication from this company. I have never been informed to whom a debt is owed or an amount. I absolutely will not entertain debt collection activity without an opportunity to validate the debt. This is not an agreement to pay or an acknowledgment that any amount is owed.
Consumer complaint received 2023-05-15
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. (AR)

This is my six attempts to tell you that I am a victim of identity theft and I complain some inaccurate records and I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No one seems to care, please delete the inaccurate information in my credit record that came about due to an alleged fraud. The following inaccurate information needs to remove : 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
Consumer complaint received 2020-06-07
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: Experian Information Solutions Inc. (CA)

There is an account that appears on my credit that I believe is a result of identity theft because it is not mine. I have filed a police report and a report at Identitytheft.gov. Both have been sent to the credit bureau and they refuse to delete the information from my report. They have ignored my numerous letters and calls dating back to XX/XX/2019. I'm assuming maybe because they see that I'm a XXXX XXXX from my proof of identity documents that they feel they can just ignore me. I've gone through all the proper protocol and they continue to ignore me, which is resulting in me not being able to purchase another car for work.
Consumer complaint received 2021-04-01
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. (NY)

I XXXX XXXX XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my son. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my son a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (AZ)

AD Astra Claim this debt is Accurate & Consistent but on the original creditors ( Speedy Cash ) its 2 different incorrect spelling of my name, which is a major violation.
Consumer complaint received 2022-07-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I have been attempting to work with Navient to reach a student loan payment amount that is within my budget. From XX/XX/XXXX- XX/XX/XXXX I participated in an interest only payment plan that allowed me to make my monthly payments on time. In XX/XX/XXXX they raised the payment. I completed a financial statement ( provided by Navient ) highlighting my current budget and how I could not afford the new payment amount. I was told that my budget did not matter. I have tried to work with them to come up with a payment amount that I can afford and they will not work with me. I want to pay my loan but they are not offering flexible options to assist me so I am now close to default. They also call myself and my co-signer multiple times a day every day at all hours.
Consumer complaint received 2021-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

My daughter brought a car and Wells Fargo is the bank the finances the vehicle she brought this car from her former job area it was a XXXX dealership car XXXX XXXX XXXX XXXX think this vehicle somehow was put in my name through the company my daughter work for because of her credit. The car was pulled XXXX from a parking area at one of her friend 's house because she didn't have an up-to-date sticker the tow company kept a car in contact the Wells Fargo Bank the finance company on the vehicle that's the time I found out this vehicle was put in my name as well as my daughter 's name her name is XXXX XXXX she has reached out to Wells Fargo Bank numerous the time to correct this error but for some reason my credit has took a major drop because of this incident this is not my debt this is my daughter 's dept and she's has tried to accept this debt and have XXXX Wells Fargo bank that this is on her, not her dad. But they have not removed this debt from my credit. Can you help me get this removed immediately thank you. XXXX XXXX XXXX.
Consumer complaint received 2021-04-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (TX)

This company has run my credit XXXX  in XXXX month without my consent. These have hit my credit report as hard inquiries. The first XXXX was XX/XX/XXXX and the second XX/XX/XXXX. I do have a loan with them that I have not been able to make my monthly payments due to XXXX affecting me financially.
Consumer complaint received 2019-03-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (AZ)

On XX/XX/2019 at XXXX XXXX, XXXX XXXX contacted my house regarding a debt owed by someone else. I was awakened at that terrible hour and recontacted the caller who left the message ( XXXX XXXX ). She advised that I was listed as a reference for XXXX XXXX and that she needed to speak with her about a debt to XXXX XXXX XXXX. I explained to the collector, that XXXX XXXX didn't live there and that it was XXXX XXXX. She basically had no compassion and said " well it is XXXXXXXX XXXX my time, so I am within my rights ''. I advised her that she was in fact in violation of Debt Collection laws and that it was very simple to run an area code and find out that I am in Arizona and that she was in violation NOT only because of the harassment, but I wasn't even the debtor. 

While I had received a few calls and messages, this was the most extreme and after the lecture and a request to remove my phone number, I have not been recontacted -- however, I did contact the family member and was advised that a payment plan had already been worked out prior to that time -- so I was needlessly awakened because the internal communications were not even in order. 

I have attached a photo of my caller ID showing the time/date and caller.
Consumer complaint received 2021-04-14
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: STERLING JEWELERS, INC. (TX)

This is a formal complaint against XXXX XXXX And Jewelry located in XXXX, OR. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX And Jewelry has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (MN)

In 2020 of XXXX I contacted US BANK and was placed on a program for covid relief so I would / my companies would not be accruing interest and with a no pay status for X amount of months. I have hundreds of hours on the phone and have made no progress with any of the banks representatives to resolve the situation. They are making it impossible. Before this I had an XXXX credit score and because of the lack of help from the bank its down to XXXX. Same scenario for multiple accounts. 

I am hung up on / disconnected calls from the bank every time. ie ; on the phone for 4-6 hours a day transferred to multiple representatives that I have to re explain the scenario to. They do not and will not do their job, or honor the promise in the programs I was placed into. 

They have all calls recorded and Im being light about saying I have over 300 hours in phone time without the bank resolving anything in the last year.
Consumer complaint received 2022-07-18
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # 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 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

My mortgage was recently transferred from XXXX XXXX XXXX to XXXX XXXX. The new mortgage provider does states that my loan payments were not up to date and requesting an extra payment. Unfortunately, despite multiple attempts, I have not been able to resolve the issue with the company. 

Name of Company : XXXX XXXX  Date of transfer of Mortgage : XX/XX/2022 Amount : {$4000.00}
Consumer complaint received 2022-07-18
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. (DE)

I went to car dealership and the dealer shopped my credit around, same thin happened when I applied for some credit cards as well. I ended up with 64 hard inquires. 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
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I SEND A CERTIFIED LETTER TO XXXX ABOUT A COLLECTION COMPANY XXXX XXXX THAT IS SHOWING ON MY CREDIT REPORT 30 DAY LATE PAST DUE 120 DAY LATE AND I TOLD THE GUY THAT THIS COLLCTION COMPANY CAN NOT REPORT A PAST DUE OR LATE PAYMENT THEY OR NOT THE ORIGINAL CREDITOR AND THAT IT IS VIOLATION OF FDCPA AND I WANT THE ACC TO BE DELETE IMMEDIATELY AND HE DID NOT WANT TO DELETE THE ACC AND IT HURTING MY SCORE AND I CAN NOT GET A HOME
Consumer complaint received 2019-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Center Inc (ND)

Collection Centers Inc. refuses to report correctly when payments are made and have made several attempts to collect on medical debts that don't belong to me or my husband. 
I made arrangements for wage assignment for one that do belong to us and they have collected from every paycheck since XXXX but are not reporting to credit bureaus as paid under wage assignment its listed as 1 debt but on my credit report there are several. They need to report the correct balances. I have called several times asking if payments have been received and asked they report these payments to the credit bureaus.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (FL)

PNC Bank has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by PNC Bank before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or PNC Bank to furnish any late payments to my consumer report. It is my belief that due to PNC Bank 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (IL)

I applied for a Rate and Term refinance with NewRez in early XX/XX/2021, Loan number XXXX. The company is now not responding to emails, phone calls etc. The loan is locked and I provided all documentation within an hour of request ( s ). The interest rate is not what they advertised on their mailers but I was ok locking at 3.125 %.