davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC (TX)

On XX/XX/2017, I was contacted my Quality Asset Recovery LLC about a medical debt that I can afford to pay but I am actively disputing in court ( the XXXX 's office has already been served with notice to appear in court and I'm assuming they put this into collections as retaliation ). The representative refused to tell me where she was calling from or why she was calling before I confirmed the personal information she already knew about me, which I eventually did after she declined to identify herself repeatedly. 

Eventually she told me I had an outstanding debt that I needed to pay and threatened multiple times that if I didn't pay it, it would affect my XXXX XXXX. When I finally got her to tell me, I learned representative 's name was XXXX XXXX. She made sure to threaten my XXXX XXXX one last time before she hung up.
Consumer complaint received 2018-08-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent the TransUnion Credit bureau over 12 letters disputing the continued reporting of this account on my report with the same adverse results for over 2 years. 

The issue with this account @ TransUnion is that my loan is no longer serviced by XXXX   XXXX XXXX. XXXX is the servicer for this loan but XXXX XXXX. XXXX per TransUnion keep reporting this account as if they are the servicer of it. 

XXXX has been servicing the loan for over 3 yrs. XXXX and XXXX has released this account from their files with no issues at all. This account is dated back to XX/XX/XXXXXXXX. It is in positive standing with XXXX. XXXX XXXX. XXXX should not be reporting on an account they no-longer service / FCRA.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (MD)

Made a purchase through XXXX XXXX with XXXX Retail Credit card, the order was cancelled on XX/XX/2018, and was voided on XX/XX/2018. It still shows on the XXXX retail credit card that the order is pending since XX/XX/2018. It has been 3 weeks and 6 days since it shows the order is still in the pending status. XXXX XXXX has already confirmed and sent a receipt showing the order has been cancelled. On XX/XX/2018 I  spoke with XXXX after receiving a statement showing that the transaction is still pending, they advised me XXXX XXXX has not sent anything which is a lie because I have the cancellation email from XXXX XXXX, and when I call to speak to XXXX XXXX they state no order is pending and XXXX  should have been cancelled the pending transaction. Since XXXX is unwilling to cancel the pending transaction it has just be sitting using my available credit and I can not use the card to make the purchases that I want to make. The representative XXXX I spoke to via chat advised they can not do anything, even when I have the proof.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have disputed the following accounts to no avail with Experian. They claim that they verified these accounts and I have not received any proof from the company nor Experian that these accounts belong to me. I have escalated my concerns to the FTC to investigate and possibly become part of a Class Action law suit. The following accounts do not belong to me : XXXX-Account # XXXX XXXX  XXXX XXXX -- # XXXX XXXX XXXX- # XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (MN)

We have made requests from three national banks we use for a data download of banking date in access of the 18 month limitation set for comma de-liminated data files. 

When National banks will provide up to 7 years of PDF monthly statements, yet will not provide seven data files for the same data beyond the 18 month limitation. What is the logic?

In both cases, they have to go to off-line storage to access the data. In the data format, they will only have to retrieve up to seven annual data files. In the monthly PDF example, they will have to retrieve up to 72 monthly statement PDF files.

We have no problem with 18 months being the standard for data file downloads. However, we think they should be able to honor a formal request for data beyond the 18 month limitation.

Based on the assumption banks are required to keep 7 years of data for IRS purposes, honoring our request should be of no consequence.
Consumer complaint received 2024-11-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo Mortgage offered me a Mortgage XXXX XXXX. Wells Fargo Mortgage modification stated I pay XXXX  % moving forward, I declined at the time my interest rate was XXXX %. Wells Fargo Mortgage told me my state was helping homeowners become current with their mortgages. The name of the company was ( XXXX ) XXXX XXXX XXXX. I applied was approved for mortgage assistance as well my HOA. The XXXX underwriting department called me XX/XX/XXXX. They said Wells Fargo rejected their payment in the amount of XXXX. The underwriters from XXXX sent a lawyer a payment for my HOA instead. They accepted their payment immediately. Once the payment cleared for my XXXX, XX/XX/XXXX I was told by XXXX underwriter XXXX not to worry everything was paid. Wells Fargo Stated to me my state never contacted them no one time. They refused funds after I followed everything they told me to. I have lived here since XXXX. My mortgage balance is {$71000.00} my home is worth {$300000.00}.
Consumer complaint received 2018-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cordoza & Wexler Recovery Services (NV)

I have received several phone calls from a company claiming to work for the county. They state that they are trying to serve me legal documents and by not returning the phone calls it will result in a missed court appearance and a warrant being issued for my arrest. I have called them back repeatedly, informed them that I am recording the phone calls, at which time they immediately hang up on me. I have no idea what the debt is for, if it is a real debt or if it is a scam. They are calling 5 or more times a day.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Commercial Services, Inc (SD)

On XX/XX/2018, I received a phone call from NCS about a debt that is owed for a car accident. The representative on the phone stated that they are going to file paper work to sue me and have my driving privileges revoked for failure to pay the balance. I l have asked them for the final bill along with the details of the bill. They have told me they dont have a final bill yet and they want me to set up a payment agreement without knowing what the balance is and why I am receiving the charges.
Consumer complaint received 2018-08-19
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. (CO)

I have 6 total accounts open with XXXX from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I got a derogatory remark on all of my credit reports I was 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. At this point i contacted my creditors because i was going through extremely difficult financial hardship. We went over an Income Base Monthly payment system and based off my taxes and how much i made last year my payments were changed to none. However to the bureaus i still showed to be late on payments. I contacted the creditors and they said I was up to date. That's when i reached out to the bureaus and they updated the status from late to current.The reports still show negative remarks for the months of XX/XX/XXXX and XX/XX/XXXX.Considering it's 6 loans I have open, My reports show that all 6 were previously delinquent which is severely effecting my score. Since my monthly payments are {$0.00} and My taxes show that for last year I only made {$6700.00}, I would like to address this immediately to get this negative remark removed from my reports.
Consumer complaint received 2018-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (OH)

Today XX/XX/2018 at XXXX I contacted XXXX at XXXX. I contacted them in an effort to get my online banking unlocked. I currently have a Checking account, Credit card and Life Insurance policy with USB. I was told the only way I could unlock my Online Banking was to obtain a Debit Card. I expressed that I do not want a debit card on my checking account, that it is a service that is not wanted or needed. The individual on the call ( which I did confirm was recorded ) stated that it was required to have a debit card to have my account unlocked, because I had a debit card in the past ( which was five years ago ). I do not appreciate being FORCED into a product or service that I do not want, expressed that I do not want, and that I do not need. I feel as though they acted as XXXX XXXX recently did, but giving me no option and forcing me into a product that was never disclosed as a requirement. I do not want a debit card, I do want online access. And considering this was never a disclosed requirement to have a debit card to have online access I want it resolved immediately. I also highly encourage you to listen to the recorded call, I just had. I am completely amazed that they very abruptly violated regulation by forcing me into a service.
Consumer complaint received 2018-08-18
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: SYNCHRONY FINANCIAL (CA)

XXXX/XXXX  XXXX they reported to the credit companies that this account was mine, I never had this account and I request that they show a actual consumer contract with my signature or remove completely the account looks to be paid off not be me. I filed with the XXXX and to this day have not received anything that they claimed to mail twice. thinking that this account is paid off it must be a waste of time to respond I do not have any account old or new with XXXX XXXX remove completely from my credit reports forever enclosed is the information from the XXXX   but this dispute started long before that date
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), resulting from their mishandling of my identity theft claim and failure to remove fraudulent information from my credit report following the XXXX data breach., have been a victim of identity theft due to the XXXX data breach. My personal information has been used without my authorization to open fraudulent accounts, make unauthorized inquiries, and file a false XXXX  XXXX bankruptcy.Experian has reported several fraudulent addresses where I have never lived, including : These addresses are in violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of consumer information.Under 15 U.S.C. 1681c, Experian is required to ensure that only accurate information is reported. I have requested that these names be removed, but Experian has failed to comply.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

AN FTC & police REPORT was previously filed stating that the following accounts were open due to fraudulent activity & identity theft. There was also two forms of identification copies sent in with reports. This company was informed to either remove or block these accounts from my report, yet they continue to furnish these fraudulent accounts which has hurt me and my familys credit worthiness. 

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 2018-08-19
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. (MA)

I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called XXXX and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-10-09
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. (TX)

I sent a dispute in regarding inaccurate and incomplete information on my account : XXXX Account # XXXX and it has been over 30 days since they received my correspondence and you have not responded. 
This notice/correspondence was sent certified mail green return receipt : XXXX it was delivered on XX/XX/year>. 
Information that can not be verified must be deleted. 
when disputed information can not be verified is to delete that information. In particular, Section 1681i outlines consumer reporting agencies responsibilities in responding to consumers disputes and, like Section 1681s-2 ( b ), provides that when a disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must delete or modify it as appropriate, based on the results of the reinvestigation. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Section 1681i goes on to provide that, [ f ] ollowing any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified, the consumer reporting agency must in some circumstances notify certain people who previously received a report with the now-deleted information. That provision thus contemplates that when information can no longer be verified, the proper response is to delet [ e ] it. See XXXX, XXXX XXXX at XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In the last 30 days, I have asked that an account with XXXX XXXX XXXX XXXXXXXX ) be removed from my credit report because it is over XXXX XXXX XXXX. It shows a last payment date of XXXX XXXX XXXX  ( first missed payment ) on my credit report. Last payment date was actually XX/XX/year>. While I have stated this in my dispute twice now, it still remains on my credit report.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

XX/XX/XXXX I received a credit alert stating that credit acceptance reported on my XXXX account XX/XX/XXXX. This account has been paid on time and closed since XX/XX/XXXX. Why is Credit Acceptance changing the status of an account thats XXXXyrs old? This is in direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-05-22
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: EQUIFAX, INC. (VA)

Received an alert from Equifax, stating, I applied for credit from XXXX XXXX XXXX on XX/XX/XXXX. Contacted XXXX XXXX XXXX on XX/XX/XXXX, spoke with several individuals over 45 minutes. XXXX stated they couldnt do anything or provide any information and file a dispute with Equifax. I filed a fraud dispute with Equifax on XX/XX/XXXX. 

On XX/XX/XXXX received an alert ( Conf No. XXXX ), stating my dispute was complete. Equifax stated ( XX/XX/XXXX telephone call ), they can not remove the hard credit inquiry from XXXX XXXX XXXX and I need to contact XXXX. I contacted XXXX on XX/XX/XXXX, they said I need to contact Equifax to have it removed. Called Equifax again, informed them what XXXX said and I requested a supervisor. Informed the female supervisor of the situation, she said again, contact XXXX, they have to request the removal of the hard inquiry. I informed both companies, this was a fraud credit request. Both parties are saying contact the other party. I have spent over 2 hours on the telephone with Equifax and XXXX XXXX XXXX requesting the hard inquiry be removed from my credit.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.
Consumer complaint received 2024-10-09
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MiraMed Revenue Group LLC (IL)

This is a debt I owe for a red light violations..I 'm assuming a municipal debt. However I'm receiving back to back call after a FOTI/message was left. I received a call on Monday XX/XX/XXXXat XXXX ... and a XXXX minute message left. After the message was left ... I received another call a minute or less right after on the same date XX/XX/XXXX.This happens all the time.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This account was charged off on the followin date XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properlyafter I asked you to do it XXXX  and your neglect has violated my rights. I am demanding a deletion of the following account XXXX  aacount number : XXXX Attached is a letter sent by XXXX so that the negative can be removed or the account can be deleted.