davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Summit Consumer Group ()

I ( and my family ) was contacted by a company called Summit Consumer Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, stating that I owe in excess of {$1500.00} due to a late cellphone payment to the mobile service provider XXXX XXXX from the years XX/XX/XXXX - XX/XX/XXXX. I have never been contacted in the past 16 years for any debt from XXXX. This company ( SCG ) stated that I woud be issued a subpoena and my bank assets would be seized if I do not remit payment for this fee. I contacted XXXX XXXX and the company stated that I do not owe anything.
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Payoff process — 
Company: PNC Bank N.A. (NJ)

Had taken {$1100.00} Cash Advance from PNC credit card on XX/XX/XXXX and am wanting to refund it in full today on XX/XX/XXXX.However, have been told to pay full amount outstanding as of today i.e {$2100.00}, though my next Statement balance is due XX/XX/XXXX for only {$560.00} and the other balance amount will be due only XX/XX/XXXX. Blatant malpractice, not allowing consumer to pay in full the cash advance portion only merely 10 days after it being taken. Why can not PNC apply my payment towards the cash advance and want me to pay full balance of over $ 2k two months in advance to apply {$1100.00} of Cash Advance loan? Its malpractice and a fraud! Please do help!
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Payoff process — 
Company: ZWICKER & ASSOCIATES (NY)

I would like to re-address this complain because the law firm Zwicker and associates has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the XXXX Court of the XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from zwicker and associates regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because zwicker and associates have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from XXXX. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact zwicker and associates to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact XXXX and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with Zwicker and associates in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (HI)

Equifax was reporting XXXX accounts that I was an authorized user on, however not liable for ( I have cancelled being an authorized user ). I asked them to remove the accounts they removed the first account within a week of the dispute. I contacted them on the status of the second account and the representative told me she could get this taken care of. She worked on the account while I was on hold 30 minutes and came back and said the account will be removed in 24 hours. 48 hours later I pulled my credit report thru the Equifax system and the account remained but the dispute was removed. I called and spoke to a supervisor who said they were working on the dispute, even though the dispute was cancelled. I asked how they could do this because, dispute XXXX was cancelled so I could get my pre approval for a mortgage and is still technically open and that was filed 3 months ago. I contacted the bank, XXXX XXXX, and they stated they had indeed sent Equifax the information 17 days prior though Equifax personnel say they do n't have a record of it. So they are holding my credit report hostage by not being diligent with information give to them. The XXXX other credit bureaus removed these accounts within 48 hours of receiving the dispute because the information stated directly I was only an authorized user and not a joint account holder. I believe all credit bureaus need to help consumers and not hold them hostage because a score of XXXX is not good because of an account being reported but a score of XXXX is good when said account is not shown, big difference in percentage rate for a mortgage.
Consumer complaint received 2017-04-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Filled out all required paperwork for loan modification. Sent it within the requested timeframe to USAA and now they are saying they did not get it on time, which is a lie considering the date time stamp on the fax THEY reference shows different. USAA is using bait and switch tactics that are illegal and have cost me lost money due to interest and fees.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (AZ)

We booked a hotel room at XXXX thru XXXX and when we got to the hotel long story short the rooms electrical outlets did not work and the room was dirty housekeeping never came to our room until the day we checked out. There were personal item left in the room from the previous guest so its obvious that the room was no cleaned correctly. While at the XXXX we complained and were told that they could not refund our stay because we booked thru XXXX and were told to contact them for a refund. I tried contacting XXXX and got no response until I filed a complaint with BBB and was quickly contacted and I was told that they had contacted their XXXX contact person to get us a refund as its up to XXXX to refund us for our stay. So again I contacted XXXX and they were very polite and explained that we booked thru a third party and that they do n't receive the money. That XXXX is the only one that can refund our stay charges and they agreed I should receive a refund and that if I had booked thru them they could and would have given me a refund. Left with no alternative I filed a dispute with the bank and my dispute was denied. The services that we paid for were not what was advertised and I feel I have bent over backwards trying to get this issue resolved. XXXX out right lied to me regarding the situation. I feel that my banking institution should be able to help me correct the wrong that has occurred and now they have let me down as well. The charge was processed as a credit card transaction and I should have a right to dispute.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted TransUnion about unauthorized credit inquiries form their own company at XXXX, CA XXXX, and asked them stop. Their response was that it might be a permissible purpose. From the list they provided, it was not permissible, and they no longer respond to any communications. It needs to stop, and they ( as a credit reporting company ) should not be allowed to make inquiries at random.
Consumer complaint received 2017-04-06
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Auto finance Direct received and insurance settlement from XXXX XXXX and took possession of a vehicle I had financed through WFF. WFF has reported a sum of {$7200.00} as charge off for the past several years, after receiving a settlement from my insurance and re-sale of the vehicle. WFF is now retaliating by putting the account back up for collection, because I have been disputing the charge off status. WFF is effecting me financial with their harassment, because I ca n't finance a vehicle for an affordable interest rate.
Consumer complaint received 2017-03-28
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

In XX/XX/XXXX I was given a loan by Citizens Bank, In XX/XX/XXXX the loan went into default. I scheduled to make payment arrangements but fell behind. 5 years later I started an account with the same bank after asking the officers whether or not I still owed the money. I was told " no '' so i continued to open the account. Today, my account was debited {$5000.00} and the bank tells me they have the right to offset without letting me know. However, I asked the bank prior to putting my money in the bank. Additionally, the money taken has left me in financial ruins. I ca n't pay daycare, rent or car payments. Please help.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I received an email stating a large transaction was pending in XXXX. I called XXXX customer support and asked them to review the transactions. They said that I had several transactions and it appeared I had been hacked. The representative had me verify my account information and stated that I needed to create new passwords and call the bank. At this time, I called the bank and asked them to stop transactions from leaving my account. While on the phone with the bank, I noticed large sums being transferred and gift cards being purchased. I told them this was not me and I did not purchase these. I also saw large sums being withdrawn from my son 's account. I told them that I did not authorize it. They said they would be able to resolve the issue within XXXX days. That did not happen. We can not pay our bills and Wells Fargo will not allow me to provide documentation on the fraud. I filed a police report and asked to speak to someone else in the fraud investigation department and they would not allow it. The bank agreed that these were not typical transactions but would not refund our money. So we are without a way to pay our bills and my son 's account was completely drained.
Consumer complaint received 2017-08-13
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. (CA)

I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for XXXX XXXX. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a XXXX XXXX marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today X/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of XXXX XXXX it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under XXXX and then they need to report to the 3 bureaus. XXXX, XXXX, Equifax. please help me on this. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

This CFPB complaint has been filed to request pursuant to FCRA and 605B ( 15 U.S.C & 1681 c-2 ) that you the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment account XXXX  XXXX XXXX opened on XX/XX/2022. This account has resulted in affecting my credit report.
Consumer complaint received 2017-08-12
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

Hi there, so on XXXX XXXX - I mobile deposited a check I got for {$1100.00} into my Chase account, from the rental company of my apartment for the past 2 years. It was my security deposit I was getting back from having moved out. The rental company is called XXXX XXXX XXXX. The following Monday, the XXXX, I discovered only XXXX $ of the check had deposited - so I called Chase to find out what happened, and they informed me that my account was being restricted. And in order to lift the restriction they had to speak to the maker of the check, XXXX XXXX XXXX. And if they did not speak to the maker, the account would close in 10 days and the money would be held in suspension indefinitely. Unfortunately, XXXX XXXX XXXX does not have an office phone number, as it is independently owned, so I was unable to put Chase in contact with them. Chase told me they must speak with the maker, or I could have them put a stop on the check. But when I contacted XXXX XXXX XXXX ( the bank the check came from ), they told me they could not stop the check because the funds were cleared from their account and were placed into my Chase account. I attempted numerous times to contact XXXX XXXX XXXX, but they refused to provide a direct # for Chase to call, and Chase refused to provide a direct # for XXXX to call. And XXXX XXXX kept telling me there was nothing they could do, as it was out of their hands. I 've tried to find every possible loophole, but now Chase has closed my account completely, still holding the funds in suspension. They refuse to both return the funds back to XXXX XXXX, or lift the restriction off my account for me to access the funds, unless they speak directly to XXXX XXXX XXXX. Which, as I said, I am unable to put them in contact with. I 've spoken to several banks and they all say there is no reason Chase should want or need to speak with the maker of the check, they should only need to talk to XXXX XXXX to establish that the check is legitimate and the funds were cleared. Also, a few days before my account closed, I saw that the complete funds, {$1100.00} were in my account! Which means the check did clear and they were legitimate, however Chase still kept a restriction on my account and insisted on speaking with the maker. I am at a loss of what else to do, I feel like I 've had this money stolen from me, for no reason, and I hope there is a way to fix this situation and get me the security deposit I rightfully earned. Thankyou.
Consumer complaint received 2017-08-11
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. (VA)

My credit is lower than expected. I have paid all my bills on time and for my credit score to be in the 500s is ridiculous How much credit i have should not impact my score that significantly when i pay my bills on time.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am writing to formally lodge a complaint against Equifax concerning their inaccurate reporting practices to the Consumer Reporting Agencies.

My complaint pertains to the following issues : 1. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( XXXX, Equifax, and XXXX ). Specifically, the account in question is reported to only TWO of the three bureaus, leading to incomplete and inaccurate information on my credit reports.

2. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm. The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

I have been disputing the following account and it keeps getting validated. 

XXXX XXXX XXXX  Account XXXX is in due fact reporting INACCURATE and XXXX has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 

USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

XXXX : XXXX, Beneficiary Without Prejudice
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Access to my credit report, unable to view my credit report I have been requesting access seen XX/XX/year>XXXX  it's been over 3 months still do not have access to my credit report.