davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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. (FL)

The account is open fraudulently I dispute in XX/XX/XXXX and I don't get any answer from the bureaus. The account is impacting my credit score badly.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES (OH)

At One Time I had two XXXX XXXX, one for my personal use and one for Business, we had a dispute on the Business Card and XXXX denied a charge from a Vendor that we later had to pay a 30 percent collection fee to Legal Counsel to recover the fund that XXXX Should have reversed, they then shut the card off along with my personal card. I paid the business card off and paid monthly for the past couple of years on the Personal Account, they keep calling me when after 3 written notifications to stop calling they did in clear violation of the law. I also attempted multiple times just to set up ACH with the Company but they keep refusing to do so, I pay off of paper invoices, so when a statement comes in, it is given to my accounting folks to pay online, since again we could not set up ACH, I just got XXXX 's statement in the mail, when I was alerted by XXXX on I logged into XXXX portal and made the XXXX and XXXX payment online which would bring the balance to {$2400.00} which I then was told when I called into XXXX the account had been assigned to Zwicker and Associates, I asked the man at XXXX that they need to remove the late since they failed to give me the ability to ACH payments and I had not gotten a statement he agreed to it on a recorded line as of today it's still showing and has lowered my credit score by XXXX points and two of my credit cards have now reduced my amounts of boring causing even more hardship in the matter. I then called the Zwicker firm, which they told me they could not discuss it, I then got a letter from them stating that they were trying to collect {$2600.00} and again the wrong amount, I will be disputing this with them today and advising them CFPB is involved in the matter and that the matter is in FULL dispute. I also have now been getting calls from other law firms it seems that XXXX and this Zwicker firm has a track record of not being ethical and following the law which is very apparent in this matter. 
Also it was brought to my attention that I have been paying fees for " purchases '' even thought the card was shut down and " no purchases '' could be made, I have learned a lot of the tatic 's from the Lawyers that keep calling, to represent me in the matter.
Consumer complaint received 2022-04-10
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. (MS)

in accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX ID 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 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 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I, XXXX XXXX did not give XXXX, Equifax, XXXX written instruction
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (DC)

There were two separate accounts open under my name. I disputed the accounts with the original company who issued the credit. I was told that the information was going to be investigated. In my report only one account was closed but one still remains. XXXX refused to accept my dispute. I was not given the reason why they believe is mine when I told them I spoke to the company about this issue and they have agree to remove the ousting debt.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I received a collection account notification on my credit reports for Credence Rm 11 XXXX XXXX for {$270.00} in which I do not awe. I have never done business with them and am currently doing business with XXXX and they have advised that I do not have an outstanding balance with them.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

On XX/XX/2020 at XXXX XXXX I went to a XXXX XXXX ATM in XXXX in XXXX Texas with my US Bank ReliaCard to withdraw {$80.00} The first transaction was timed out so it was declined The second transaction said non sufficient funds. When the ATM timed out the money was released out of my account but it did not come out to ATM machine I never got it It timed out and it declined. I called XXXX XXXX they told me to contact my financial institution I saw I called US Bank ReliaCard I was told that they were doing investigation that could take from 10 to 45 days and after 10 days if they haven't investigated it I will receive my money back neither to place. I was told per their investigation that there was no problems with my transaction and which it was a problem on my behalf because I never received my {$80.00} which ruined me and my son 's vacation because we couldn't buy food.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The account is open fraudulently I dispute in XX/XX/XXXX and I don't get any answer from the bureaus. The account is impacting my credit score badly.
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

UNAUTHORIZED / FRAUDULENT XXXX TRANSACTIONS THROUGH MY CAPITAL ONE CHECKING ACCOUNT. CAPITAL ONE BANK DECLINED MY 2 CLAIMS TO REIMBURSE ME SENDING ME TO XXXX TO RESOLVE. WHEN I CALL XXXX, THEY SEND ME TO THE BANK AND TELL ME THEY HAVE NOTHING TO DO WITH THESE UNAUTHORIZED TRANSACTIONS. SAME IN CASE OF XXXX XXXX CLASS ACTION RECENT SETTLEMENT, XXXX ACCOUNTABILITY FROM THE BANKS AND CONSUMERS ARE DEFRAUDED / SCAMMED.
Consumer complaint received 2017-08-29
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: PNC Bank N.A. (IL)

I went to apply for a bank checking account and was declined of the application. I asked the banker why and was informed that I had numerous XXXX listed. I had a report issued to me and noticed there is accounts that did not belong to me listed on them as a result of identity theft.
Consumer complaint received 2023-09-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: EQUITY LOANS LLC (FL)

EPM mortgages purposely sabotage my efforts to refinance my mortgage with another lender and due to the damage by EPM to my credit it has force me into applying for an request for 6 months forbearance.

In fact, since my respectful submission to EPM for their mortgage assistance on XX/XX/23, they purposely even delayed marking my application as completed until XX/XX/23, to provide their underwriter unusual extensive processing time. 

Also following my completed application EPM notify me by telephone that the processing time would take up to 30 - 45 days to complete for an answer by the underwriter! 

However, on today XX/XX/23, EPM 's repXXXX XXXX advised me that now it would be 60 or more days before EPM would complete my application for mortgage assistance!

It's evident that EPM are NOT in the business of providing any assistance to their customers but rather force customers into a foreclosure arena before assisting them. 



Thank you.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NJ)

In the year of 2019. I am unsure of a medical procedure taken place. If it is true. I have been furnished with medical insurance all my life. I have submitted proof of this insurance in a dispute that has been underfor over the past few weeks. Nothing has been done about it in the decision. I am only aware of what they have on my credit report. The amount is XXXX from a medical group. When I called that is when I became aware of it being a medical bill.. They noted the account to settle for XXXX but I informed them I have had insurance all my life.. However, when submitting the proper documentation such as NJ XXXX XXXX XXXX # and the XXXX XXXX NJ XXXX through a dispute with XXXX. My information couldn't have been ran through the system appropriate because the completes investigation says " We confirmed with the creditor that the amount is accurate. That is not the appropriate argument.. The argument is I have had medical insurance ALL my life this shouldn't be on my report.
Consumer complaint received 2022-04-13
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: CITIBANK, N.A. (CT)

To be clear I have no issues with my credit card companies services in any way shape or form. Sadly I can not simply go through the major credit bureaus to remove a hard inquiry any more I must come here. I have a Citi XXXX XXXX  XXXX  in which I am quite pleased with. Unfortunately, there is a double entry hard inquiry for my card on my credit reports with the major bureaus. It is for the same exact date and card. I just want one of the inquiries removed as it is a duplicate, and hard inquiries affect my credit score for 2 years. I wish I did not have to come here to do this as I stated I am quite satisfied with the services I receive.
Consumer complaint received 2024-01-20
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. (NJ)

n accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Ref This account is under my name XXXX XXXX, address XXXX XXXX XXXX, XXXX FL XXXX Phone XXXX XXXX I'm writing in regards to my credit card. I've been trying to work with the credit card company to get my matter resolved. For the past few months I suffered from XXXX. Been in the XXXX more than once. Have what you call XXXX XXXX However, when you call them there's a long wait, then it's like playing phone tag with them. Then when you finally reach a representative, explain the situation they do not want to help. To be told they do not have any type of programs for anybody who's been affected directly or indirectly by XXXX. I was affected directly. I've been faced with financial hardship. 

With that being said, I lost time from work. Was in the XXXX XXXX XXXX XXXX 


It seems like the credit card company, fail to assist any person who suffered directly from XXXX.
Consumer complaint received 2022-04-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CO)

In 2019 I open a car loan with flagship. The care was surrendered to them. This company sold the car for $ XXXX. The loan amount was for $ XXXX. They incorrectly report this account on transunion it says I owe $ XXXX and the loan is closed. On the other two it says open and the balance is $ XXXX. They refuse to update anything regarding this account. I then received a letter in the mail from a collection company stating the balance was $ XXXX. This is a clear violation of my rights
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing today in wish to gain your help. Presently I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important part in this procedure. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX  ) on XX/XX/2018 and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
Consumer complaint received 2022-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION (MA)

After filing a complaint with the CFPB the company responded and requested that i file an application for hardship along with a statement and return same. I followed the companies request and received a denial notice stating i needed to submit further documentation in regards to my situation. I completed a hardship form from there site along with a statement as they requested. I am in fear that my vehicle will be repossessed at this point and i only want to work out a solution to keep the vehicle and get back on track with the payments. I am unable to come up with three months of payments and i am sure i will be receiving a " Right to Cure Notice '' from Pentagon Federal Credit Union. 

This is there response : Dear XXXX XXXX XXXX, Thank you for contacting us about your loan ( s ). Based on a review of the information you provided to us on your Financial Hardship Application received on XX/XX/XXXX, your request for assistance is incomplete and requires additional information from you. In order to complete your application, please provide the following forms, documentation or information : Completed PenFed Financial Hardship Application : Detailed explanation of hardship as requested on page one of the Hardship Application. The Used Vehicle Refinance Loan account that you are requesting assistance on was just taken out in XXXX of XXXX, and we have received only received 2 payments on the account ; in order for us to offer assistance on the account we need to better understand what has changed with your finances in that short time to cause the financial hardship. Your explanation provided states the hardship had not began in XX/XX/XXXX. 
Documentation to verify your stated hardship reason dated within the last 90 days : Documentation verifying how the XXXX or XXXX caused your financial hardship ( ex : unpaid leave/FMLA, unemployment, reduction in income, medical bills, etc ) **please do not send detailed medical information** **DOCUMENTS MUST BE DATED WITH THE LAST 90 DAYS TO BE CONSIDERED VALID** The necessary documents and/or information to make your application complete must be received by XX/XX/XXXX. Please do not send documents directly to your analyst as it does result in excessive delays for review. You may send them via upload on the website through your online account, fax to XXXX, email to XXXX, or by mail to : Pentagon Federal Credit Union / Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX PLEASE DO NOT SEND DOCUMENTS TO ME DIRECTLY AS IT DOES RESULT IN UNNECESSARY DELAYS. ALL DOCUMENTS ARE REVIEWED IN THE ORDER OF RECEIPT. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : ( XXXX ) XXXX ext XXXX | F : ( XXXX ) XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I over-paid because of BOA Maintenace on their credit card system. I over- paid {$1100.00} approx. I did speak to their customer service more than once. I spoke with XXXX on XX/XX/2020 and he saw all the trouble I have incurred because of BOA and additional late fee 's from XXXX XXXX who makes my payments to my BOA credit card since I'm on auto pay 100 % each month. XXXX told me everything would be cleared up correctly and the over pay would be refunded to my BOA checking account. To date, BOA has cost me service fee 's, late fee 's and now a lot of my time as a consumer. BOA deceptive tacking on keeping my money is harassing and making me loose interest on the funds and acceptability to access my money. credit card ending in XXXX, last 4 digits of SS is XXXX
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2022, I was declined for a loan due to inaccurate information in my TransUnion credit bureau. In addition to reporting my FICO score as XXXX, the reasons for decline indicate no revolving accounts, not enough balance decreases on non-mortgage accounts, too few payments over 3 months, and no real estate-secured loans. This follows my prior complaint to XXXX where inexplicably my credit bureau information with them was basically erased, and my XXXX score declined from XXXX, in about XX/XX/2022. I have credit card trades spanning 25+ years, mortgages, clean payment history on all, etc., and this compares with XXXX showing my score at XXXX. 

I have complained to XXXX about this inaccurate information before, several times, without ANYTHING approaching an investigation or reasonable explanation. XXXX has apparently refused to investigate the INVALID source of information which caused my bureau to change so dramatically, nor process by which the change occurred, such that I can not dispute that effectively. All I have received from XXXX is a form letter providing me the ability to request bureau information if I provide documentation of identity. This is clearly not the nature of my dispute and evidences XXXX XXXX  complete lack of willingness to read and understand the nature of my dispute. 

XXXX XXXX action has now caused me financial harm and I am considering additional remediative measures.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (IL)

Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in 2015 I do n't know what else to do please help me please this happened in 2015 the bank is Wells Fargo the personal loan department
Consumer complaint received 2022-04-13
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. (TN)

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

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have sent letter to validate the debt they said i owe to them by certified mail and a copy mailed to the company location and they did not return information that i owe debt to them then i tried to dispute it i just want to validate the debt they have {$1300.00} {$670.00} {$820.00} i never signed contract with them and i need it removed from my credit.
Consumer complaint received 2022-04-13
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX ; XXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (OH)

Trying to refinance a house. All the credit reporting companies are showing my credit as XXXX XXXX, XXXX XXXX, XXXX XXXX, The lender quoted my a rated based on those numbers. The lender pulls my credit and its XXXX??? They said they get different score than what is reported to the consumer. So the consumer is shown one credit score and the lender gets another score that is lower so the consumer has to pay a higher interest rate and fees because the reporting agencies have two sets of scores?? This practice sounds very misleading and a bit fraudulent. 

Lender pulled credit on XX/XX/22 I rechecked mine on XX/XX/22 and the above scores were given to me from the XXXX website