davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Receivables Performance Management, LLC (NC)

the company is receivables performance. they obviously bought the loan from XXXX XXXX. the company calls me telling me that i will have to go to court if i do not make payments on the charged off XXXX XXXX  loan.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax.Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account :
Consumer complaint received 2021-11-02
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. (MA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX PA XXXX XXXX Transunion, Recently I received a copy of my credit report and found several incorrect accounts. I am certain that these inaacuracies are adversely affecting my credit scores and costing me severe damages to my finances every year. 

Here are the accounts that I want verified as accurate XXXX XXXX ACCOUNTS FROM XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AUTO XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear and I demand these accounts be removed from all current and future credit reports. 

Also please send me the contact information of any individuals and or organizations you reached out to so I can follow up with them directly. 

I shall assume that 30 days constitutes reasonable time for your company to investigate these accounts. 

I believe that under Section 611 it is clear that your failure to investigate these accounts within 30 days constitutes a reason to promptly permanently remove those items from my credit report.
Consumer complaint received 2021-11-02
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. (IL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-02
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: TRUIST FINANCIAL CORPORATION (MD)

I have spoken with several representatives about my accounts being paid off. After submitting proof that the accounts were unpaid and disputing the accuracy of them. They were deleted, now theyve been reentered. I paid off 2 Suntrusts account after being told one of them was a BB & T. Now I was being told they both were Suntrust accounts. Both accounts have been placed back on XXXX XXXX. Suntrust was asked numerous times to place a stop payment and didnt. Attached are the two paid off accounts. I asked them to be removed twice already and theyre showing as Unpaid
Consumer complaint received 2021-11-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sterling & Associates, LLC (OH)

On XX/XX/2019 I received a threatening phone call from Sterling and associates claiming they would have a warrant out for my arrest if I didnt pay {$770.00} during that phone call. If I hung up or did not pay it then, Id be arrested. Said I had a payday loan in my bankruptcy and by doing so they could have me arrested for writing a bad check. They refused to give me the name of the payday loan company. Im a XXXX  mother of XXXX  and was scared to be arrested so I paid it in full that day. Just recently I found the receipt given to me from Sterling and associates so I decided to look them up on the XXXX  website. I saw others experienced the same and that its a fraudulent claim. Id like my money back.
Consumer complaint received 2021-11-02
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. (FL)

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 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (LA)

My house was damaged by Hurricane Ida. Since I have a mortgage on my house and the damage was in excess of {$50000.00}, the check had to be made payable to us and the mortgage company. I called Rocket Mortgage and was advised that I have to endorse the check and mail to them which I overnighted to them on XX/XX/XXXX. When I initially called on XX/XX/2021, I was told it would take 5 business days to review, deposit the check and re-issue in the amount of {$50000.00} ( check was {$64000.00} ). As we made repairs, we would then get the remaining balance in 2 draws. I called again on XX/XX/2021 to get a status and was then told that the info given on the time frame was incorrect. It would be 7-10 business days. When I complained about the change in time frame, I was also told the " we XXXX americans have to stick together ''. I'm not XXXX american. I called today XX/XX/2021, the 10th business day to learn that my file was not assigned to a case worker to handle and my funds are sitting in my escrow account. I requested that the {$50000.00} be direct deposited into my checking account because I have contractor 's to pay. Was advised that it will take longer to process my check because they are short-staffed due to COVID and I would have to wait for a check in the mail. This was/is completely unprofessional and I want others to know about this issue. Once this is all said and done I will be re-financing and it won't be through Rocket Mortgage.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company (PA)

This company, commercial acceptance located in XXXX PA XXXX XXXX XXXX # XXXX XXXX XXXX  pa XXXX. 
They are calling all of our family members throughout the United States. They are calling my XXXX year old son. We did not receive any letters or emails regarding this debt we owe. We are reporting them so they stop harassing my family. They need to take better approaches to debt collecting besides attacking ones family.
Consumer complaint received 2022-06-27
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. (CA)

On XXXXXXXX XXXX I sent via certified mail a letter to all XXXX bureaus regarding accounts that were inaccurate and to be investigated. 
The Credit bureaus stated : XXXX or XXXX XXXXXXXX XXXX XXXX was properly investigated but how, if the date last active in Not Accurate. 

XXXX XXXXXXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 

Over 30 days has passed and nothing had been sent to me for validation and accuracy for XXXX XXXX XXXX. 

This is grounds for Removal. According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction.

15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Bank : Wells Fargo - https : //www.wellsfargo.com/help/contact-us/ Called again to to get the 40 year loan modification asking for a table similar to the attached to understand and compare and make an informed decision. Was informed that is not possible and was pushed to one of the other options being forced to select the COVID-19 payment deferral due to the lack of information on the 40 year loan modification to make a decision. Was informed it is not guaranteed, they can not provide me with the information similar to the attached file to make a decision and hence strongly discouraged by who I spoke too. I want the loan modification to 40 years, fixed interest rate, lower than current interest rate, as attached for all my active loans with Wells Fargo.
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

I called the company on XX/XX/21 after seeing this listed on my credit report and told them that I did not have a XXXX account. They told me that I made the calls and that my number was used. I explained that XXXX  did not approve me for a phone and I used XXXX XXXX for services for the past few years. 

XXXX currently owns XXXX and I only had a XXXX account and not XXXX. I asked them to send the credit application from XXXX or documentation that this is not fraud and they told me they were not required too send me anything.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2022 erroneous charges appeared on my husband 's checking account/debit card statement for which I am listed as co-owner. The statement attributed the charges to the " joint account holder. '' There were three charges, two to a XXXX XXXX restaurant for {$25.00} and {$95.00} and one to XXXX XXXX XXXX for {$1800.00}. My husband called the phone number listed for XXXX XXXX ( XXXX ) and a recording answered claiming he had reached XXXX XXXX, an online payment processor, and advised him to contact the leasing company or property management company to which the payment was made. Since we have no idea what or where XXXX XXXX is, he tried a number for a XXXX XXXX in XXXX, FL and got nowhere. He reported the fraudulent charges to Capital One, holder of the checking/debit account, cancelled and destroyed the only existing debit card and received a replacement from Capital One a few days later. On XX/XX/2022, my husband received a call from XXXX XXXX from XXXX XXXX corporate headquarters. XXXX XXXX looked into the charges and provided copies of the receipts for the charges that were made using the telephone app Onedine at one of their restaurants in XXXX XXXX, CA. ( Receipts are attached to this complaint )
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act inquiries done by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FOR XXXX AND XXXX XXXX XXXX have all violated my rights. I do not recognize these inquiries. Never been in contact with any of these companies there forth these are fraudulent and are inaccurately reported to my credit profile. 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 2021-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Bank of America account was hacked into and someone by a name I do not know transferred themselves a large amount of money through XXXX without my consent. The amount was {$1600.00} and the transaction took place on XX/XX/2021. I noticed this fraud IMMEDIATELY and called Bank of America within hours of the XXXX transfer. They told me they would attempt to stop the transaction and regain the funds. To this day I have nothing, I have no update from them except they are waiting to hear back from the other bank. They told me if the bank doesnt send them back the money I will lose my {$1600.00} even though someone hacked into my account and this was a case of fraud. They said theres nothing I can do because the FDIC only protects my money if the bank goes out of business and my money is not protected otherwise.
Consumer complaint received 2021-10-26
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: Experian Information Solutions Inc. (CA)

Experian is reporting the XXXX  XXXX XXXX  as on time in XXXX and XX/XX/XXXX, then in XX/XX/XXXX they are reporting a 30 day late, then XX/XX/XXXX, a 60 day late and XX/XX/XXXX another 60 day late. You can't go from 60 day late to 60 day late. I contacted Experian regarding the inaccurate information in XXXX of XXXX and then in XXXX of XXXX and asked them to explain how I can have 60 day late back to back and still no response. I have asked Experian as they are required to report only accurate information on my credit report to remove XXXX  XXXX XXXX. Experian stated they contacted XXXX  XXXX XXXX  however, I have not received any documentation from Experian that they used to verify this information is correct. It can not be correct.
Consumer complaint received 2021-11-04
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: EQUIFAX, INC. (CA)

I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report. The Federal Law requires you to delete ALL accounts and inquiries which resulted from Identity Theft within a maximum of 4 Business Days from the receipt of a Identity Theft Report in accordance to the Fair Credit Reporting Act Section 605 ( b ).
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (OR)

XX/XX/2021 received notice via email of " charge of {$540.00} on PayPal account, needed to verify if transaction was valid ; if not, needed to call phone number listed, or no call, transaction would go through, '' Person listed from XX/XX/XXXX . Called phone number, person answering very difficult to understand his speech. I gave the PayPal account number, requested charge to be deleted, which was acknowledged.

I do not have a PayPal account, have never had one. He asked for name and other information to " verify account/transaction ; '' which I refused to give him, I told him this was a fraudulent call, that I was turning him into FCC/DOJ fraud site , then ended the call. The email used my correct email account.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (CA)

After reviewing my credit report, I contacted Debt Recovery Solutions on XX/XX/21 at XXXX XXXX XXXX XXXX to ask for more information regarding the negative reporting by them on my credit report. 
I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them. 
Description of the information on credit report : Account is in collection and has a {$310.00} open balance. Account was opened on XX/XX/21 ( 4 months ). No name of the original creditor. 
I have checked my records and found that I have not open " ANY '' account on XX/XX/21 including the above mentioned.
Consumer complaint received 2021-11-02
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: Experian Information Solutions Inc. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed accounts, no reasonable procedure was performed it is a violation to my rights to claim that an accounts has been resolved if I didnt resolve it and its still reporting inaccurately. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed accounts below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

Today, XXXX XXXX, I received in the mail two unsolicited credit cards from Citi for one account. One of the credit cards bears my name. The second credit card bears the name of a person unknown to me.

I called the " customer service '' number on the card but the telephone tree demanded either my social security number or " the account number ''. When I refused to provide either, the recording told me to call back when I had the information.

Under " Billing Rights '' on page 16 of the statement, I am told to write a letter to the address found on the first page of the statement. There was no address on the first page. I could not find an address on any of the 16 pages.

I am concerned that an unsolicited credit card in my name could have fallen into the wrong hands and that Citi seems to think that I would authorize a card issued to someone that I do not know.