davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  XXXX of Inquiry XX/XX/2023, XXXX  XXXX XXXX  Date of Inquiry XX/XX/2023 & XXXX XXXX Date of Inquiry XX/XX/2023
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Equifax Hard inquiries : Hello, please find all the hard inquiries made at equifax which I never made from my end. I have contacted the merchant and equifax with no response from their end. I will appreciate if you can pursue equifax to delete the below inquiries which I never authorized for. Please let me know if you have any questin. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

We pay through the XXXX XXXX Bank using auto payment. We make payments prior to the due date every month. The loan was sold to a Mr Cooper and ever since that company takes up to 2 weeks to process the payment, then they charge us a late fee. We have checked with the bank and they confirm payment and the Mr Cooper refuses to process the payments, they also refuse to acknowledge that they are receiving the payments even though the bank can confirm that they do receive the payments. They charge us {$150.00} dollars in late fees with every transaction and refuse to assist in getting this problem taken care of.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ZWICKER & ASSOCIATES (GA)

I went through a personal hardship and was unable to make my XXXX  payments on time for a few months. This was long enough that they closed the account and i was then unable to access my account online to make payments or see any of my account information. My card is missing and I do not have the full card # to use when calling to make a payment unless you can wait for over an hour on hold which I cant, so I am unable to get through most days when I try as the automated system does not recognize you without a full card # to enter and disconnects most of the time. 

Eventually I got through but each time I call and get a person on the line I get different answers about my account and its all misleading. 

Most recently I was calling to see how I could make a payment and when they transferred me to their payment sector I was asked for my contact information again and then informed it was a collections agency ( zwicker and assoc. ) attempting to collect a debt. I asked them for information on the account which they had none, and refused to verify the debt or give me information as to who is reporting on my credit or who I may speak to about the details of my account. They put me on hold and then told me that my XXXX account was already held by a separate collection debt management company other than theirs that Ive also never heard of or have a recollection of. XXXX XXXX XXXX told me that I owe them my account balance and in order for them to take payments or help me I have to call and ask the other collections agency to give them permission to take over my debt. This is alll very shady and misinforming. I was simply trying to reach XXXX XXXX to make a payment or settle my account with them in good graces but not be led on by other collections agencies I have no contracts with and who can not discuss my account details in the first place. I have no business with Zwicker and Associates and would like them to cease all contact and collections effort with me as they do not even have the right to my debt.
Consumer complaint received 2022-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (PA)

Hi ive traded my XXXX XXXX XXXX  in XX/XX/XXXX to a dealership for an upgraded bigger vehicle because i was expecting in XXXX. by XX/XX/XXXX i called penfed credit union to ask for a payment date change because i was going on XXXX leave & because I would be out of work my income /dates would be as they were so i asked i was deniedXXXX i called back to ask for my due date changed again & why i was denied again so i tried to continue making monthly payments on the XXXX of each month..this became overwhelming..i then called to ask can i refinance the car because my income has changed i was denied..so as im trying to keep up on my payments i was noticing that penfed took XXXX XXXX XXXX card numbers off the account for direct deposit so wen the money is authorized to be withdrawn its never getting withdrawn it jus sits until i call which is days maybe weeks later then im getting penalized for this with extra fees..so on XX/XX/XXXX i called them again ( which is every month ) i spoke w a young man who changed my date for me to the 2of every month starting XXXX XXXX its now XXXX XX/XX/XXXX & i have the money in my account still & i call penfed to ask why r my deposits never getting took off the card for my loanthe representative says she dont see a payment date change in the system, i didnt pay for XXXX i proceed to tell her wen the moneys there take it i have life insurance cable phone rent etc coming off days apart so u guys have to accept wen its there..because others are going to take theres off & i shouldnt be held accountable for theyre lateness i asked to speak to a supervisor she then puts me on hold literally for XXXX XXXX jus to tell me her supervisor is not available to speak with me then she says i never had insurance since I bought the car i told her maam i cant drive off the lot without insurance i had XXXX XXXX i also let her kno that it laspe & was due to me being outta work & i will get back on asap..i paid XXXX of my income tax on this car & im making my payments regularly here it is XXXX they still havent took theyre money they keep saying XXXX XXXX havent released the money then it was i had a bad card sometimes i get hung up on & im scared they will repo my car she said i was only one month back & i told her due to u guys not taking the money off other creditors have taken theres thats why im alil behind..please help me
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I obtained a copy of my consumer report on the date of that is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made me lose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 
I am giving your company the opportunity to make this matter right by way of the following : REMOVE ACCOUNTS REMOVE STUDENT LOAN ACCOUNTS REMOVE LATE PAYMENTS REOVE INQUIRIES
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

In XXXX of 2023 i was looking at a friends ( XXXX ) post on XXXX where he posted a response of trading Bitcoin and how this person helped him achieve great rewards. This person XXXX. I was advised to contact XXXX. That account directed me to open an online trading account with XXXX XXXX XXXX. I pursued. As i funded the account on this website emails were always received as instructions for the next step. The amounts were always larger and more enticing. Conversations in text through XXXX were ongoing as what to do next with this XXXX. The timeframe was XX/XX/2023 to XXXX 2023. I reported to the FBI, Local police, being scammed out of {$49000.00} via crypto currency. 

I sent XXXX  different transactions on XXXX  dates to the address ID ( wallet ID - XXXX ) where they were sent. XX/XX/2023 - {$490.00}, XX/XX/2023 - {$3700.00} XX/XX/2023 - {$160.00} XX/XX/2023 - {$9400.00} XX/XX/2023 - {$28000.00} XX/XX/2023 - {$7900.00}. 

After the XXXX transfer and promised the return on investment i received an email to send an absurd amount and came to the conclusion i was scammed. I then picked the phone up and called my friend where he said he hasn't used the ( XXXX ) account on XXXX because it was hacked by this person. Evidently other traders tried to get me to trade with them which i think was this person as well. The website looked to be as any normal website would work and feel. 

I then researched a few Cryptocurrency investigation companies and hired XXXX  with the tracing. I also reported to my local police department and FBI. The investigation uncovered a XXXX XXXX. XXXX police have been contacted also. 

All of these transaction were through Coinbase then sent to the wallet ID. This individual also cash out at XXXX, XXXX and XXXX.
Consumer complaint received 2018-11-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been Paying Capital One the # {$3500.00} I owed. To date I have paid {$3400.00} But has tow situations happen : ( 1 ) my XXXX daughter hospitalized ; and ( 2 ) I was hospitalized for XXXX. I am a XXXX and these XXXX  ( 2 ) were quite serious.

I wound up having to have XXXX  to correct this problem.

In addition, I was denied XXXX XXXX to pay off the debt because of an impending strike with my employer. I received a letter of garnishment from my employer on or about XX/XX/2018, ( a month before my indebtedness ended ), XXXX XXXX University 's Payroll office. The attorney 's who filed XXXX XXXX XXXX XXXX XXXX for Capital One. Attached to this letter from the attorney 's for Capital One was a form for me to complete to ask for a court hearing, to dispute the situation. I filed with XXXX Municipal Court Civil Complaint to dispute the claim and received a court date of XX/XX/2018, since I had just given a payment. I showed up, but they did not. The magistrate ( judge ) told me that I should keep up with the case, since there was nothing she could do. I did. I went to XXXX XXXX XXXX, who I was making my payments through to call the attorney 's as suggested by the judge.

My credit counselor and I waited on a telephone line for almost an hour for someone to pick up and discuss this with us. We never heard from them. I only had an hour appointment. The credit counselor said she would call me if she got a call back. She did not get a call back, so she did not call me.

At XXXX XXXX on XX/XX/2018, in the mail, I received a letter and affidavit saying that they had filed to the court in writing. I called the XXXX   Municipal Court and was told, I could re-file an dispute claim, once took a payment was taken from my check. However, there was nothing the court could do until this happened.

Then, I called the payroll office to see how much money would be taken. I found out it would be 25 % or {$1400.00} from check, which will leave me without enough to pay bills. I am paid once a month. I am concerned, because the numbers of indebtedness is adding up along with court costs.

XXXX State University payroll office says I them {$1600.00}, XXXX XXXX has chronicled payments of {$3400.00}, and Capital One had added another {$1300.00}, plus court costs. I should only owe may {$200.00} or whatever is equal to {$3500.00} not an additional {$1600.00}, and court costs.

I received countless letter for XXXX XXXX XXXX  even when I made timely payments, despite problems I had in the summer of XX/XX/2018-explained above.

I asking that the garnishment be dropped beforeXX/XX/2018 before XXXX XXXX  and I be allowed to pay the balance through XXXX XXXX XXXX I will make the payment on XX/XX/2018. We all have life a crises, but I have tried to make this up and XXXX XXXX XXXX have paid additional money with credits I have had with them to keep me up to date.
Consumer complaint received 2018-11-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditor's Collection Service, Inc. (VA)

XXXX XXXX XXXX sent me a bill XX/XX/2018with payment due date XX/XX/18when I went to make my payment online it showed XXXX balance XX/XX/18 and I triend again XX/XX/18. I get a notice in the mailXX/XX/18 datedXX/XX/18 from Creditors collection services on behalf of XXXX XXXX XXXX. I am looking for record of first payment I already made, but I wasnt given the opportunity to even pay by the last statement due date.
Consumer complaint received 2024-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (WA)

This company midland credit management it calling my phone multiple times per day, multiple times per week asking for someone else. I have told them many times they have the wrong number, many times to stop calling. They are constantly robocalling my number. I have spoken to many people as recent as today at XXXX demanding that they stop harassing me for someone elses debt.
Consumer complaint received 2024-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OK)

The call I received and was able to answer came Friday XX/XX/XXXX around XXXX. The person called from a Maryland number and said he was with mcm and wanted to discuss an attempt to correct a debt with XXXX. I said in unaware of this please send correspondence in writing. He ignored me and continued to ask questions about when this debt was opened the dates he said were doing the pandemic. I've not done business with that company. Again I asked for information to be mailed. I have not received any information via mail. Today XX/XX/XXXX Sunday at XXXX I got an invasive call from MCM. I find this erroneous and a disregard to my request for writing. Additionally on Sunday as my family is preparing for church.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (VA)

I OPENED A CREDIT CARD ACCOUNT WITH WELLS FARGO CREDIT CARD SERVICES. 
MY CREDIT WAS PULLED ON XX/XX/XXXX FOR THE APPLICATION. I WAS APPROVED ON XX/XX/XXXX AFTER A LOT OF PROBLEMS THAT WELLS FARGO CAME UP WITH WHICH WERE ALL INACCURATE I USED THE CARD ONCE AND DISCOVERED IT HAD BEEN CLOSED. 
I CALLED CUSTOMER SERVICE AND VISITED THE BANK SEVERAL TIMES. AFTER A LOT OF CALLS, I WAS INFORMED THAT THEY DETERMINED THERE WAS FRAUD ON THE ACCOUNT AND CLOSED IT. 
I SAID THAT I WAS NOT INFORMED ABOUT THE CLOSURE. I COULD NOT GET ANYONE TO SPEAK WITH ME OR PROVIDE ANY ADDITIONAL INFORMATION TO ME. I DID NOT RECEIVE ANY COMMUNICATION FROM WELLS FARGO PRIOR TO THE ACCOUNT BEING CLOSED. 
I WAS LATER INFORMED THAT I COULD RE-APPLY FOR ANOTHER CARD. 
THEY DID NOT CALL, EMAIL OR CONTACT ME PRIOR TO CLOSING THE ACCOUNT. 
I ASKED IF THEY WOULD PULL MY CREDIT AGAIN AND THEY SAID YES. THIS IS VERY CONCERNING TO ME. EVEN IF I DO NOT RE APPLY FOR THAT CARD, BUT APPLY FOR ANOTHER NON-WELLS FARGO CARD, THERE WOULD NEED TO BE A HARD INQUIRY ON MY CREDIT, WHICH IS BAD FOR MY CREDIT. 
WELLS FARGO ACTED EGGREGIOUSLY BY CLOSING THE ACCOUNT WITHOUT ANY COMMUNICATION TO ME, AND BY SO DOING, IS SUBJECTING ME TO TWO HARD INQUIRIES WITHIN 60 DAYS. 
FOR THAT REASON, WELLS NEEDS TO CORRECT THE SITUATION BY EITHER RE-OPENING THE ACCOUNT OR INITIATING A NEW ACCOUNT WITOUT A HARD INQUIRY ON MY CREDIT. 
THE EFFECT OF THEIR EGGREGIOUS ACTION WOULD BE 2 HARD INQUIRIES ON MY CREDIT WITHIN TWO MONTHS. IN EFFECT, THE INITIAL INQUIRY WOULD BE FOR NOTHING. THESE TWO HARD INQUIRIES WITHIN TWO MONTHS, WHICH WOULD BE DETRIMENTAL TO MY CREDIT AND THEREFORE, MUST BE AVOINDED.

I AM SEEKING THAT THEY BE MADE TO WAIVE ANOTHER HARD INQUIRY WHILE THEY REOPEN THE CLOSED ACCOUNT. THEY NEED TO REPAIR THEIR MISTAKE AND NOT MAKE ME TAKE THE FALL FOR THEIR INADEQUATE POLICIES AND HARMFUL BEHAVIOR TO CUSTOMERS. 
THEY NEED TO BE STOPPED
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

As of the present moment, my card holds a negative balance of - {$470.00}. Despite two requests made to Bank of America for a refund, they have yet to process it. It has now been over a month, and I am experiencing considerable difficulty in retrieving my funds.
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

I don't recall having a contractual relationship with this collection company MIDLAND CREDIT MANAGEMENT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC (FL)

Atlantic Recovery Services has been calling and harassing me about an XXXX debt for XXXX dollars from 2017. Which I am pretty certain I already paid years ago. I have been getting constant calls and now they have been calling my family members! I asked them to stop and they ignored my request. I dont know if this is even a legitimate company. As I said this is from 2017. I havent heard from anyone about this until now. 7 years later Im getting calls?! 7 years is a long time to not hear about a supposed debt I owe which I think I already paid. Its been quite a long time. It says in the fine print : Collectors may not tell another person other than your attorney or spouse. You have already called my parents multiple times after I specifically asked you not to. And you called my Aunt today. I am reporting this to the FTC.

Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may not contact another person to confirm your location or enforce a judgment.

I am getting calls 10 times a day. My parents and my aunt are now getting frequent calls! I told them to stop and they are violating the rules clearly stated. 

Original Account Number : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX XXXX ID Number : XXXX Current Balance : {$680.00}