davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC. (OK)

I spoke with XXXX XXXX, who stated he was the manager, today ( XX/XX/2021 ) after they contacted a colleague of mine on her work phone line. I asked how they got that information and he refused to tell me, saying the " only right I have is to pay the debt. '' He continued to say " I don't ask you what you do at your job. '' He would not provide me with any information regarding how he obtained my colleagues contact information or anything. The only thing he said was how much I owe and to what creditor. On top of that, they call multiple times per day. I told him I wanted to revoke any permission to call any contact phone number he has and only communicate in writing to my home address. To which he replied that is not my right. 

I have filed a complaint with the original creditor and am waiting to hear back from them about getting the collections activity transferred back to them. The original creditor has been sympathetic and are doing what they can to help transfer the collection activity back to them or another debt collector.
Consumer complaint received 2021-11-18
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. (MN)

I am requesting the following accounts be updated. I have tried to reach out to Equifax regarding this information for some time. 

Please remove any comments, remarks or indication of a dispute with both XXXX XXXXXXXX XXXX accounts on my credit report. 

Removal of an incorrect late payment mark for the month of XX/XX/XXXX on the XXXX XXXX XXXX  credit card. 

Removal of the following inquiries ( these were NOT made by me ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX )
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (OH)

Harassing phone calls continue after I requested to stop. Everyday since XX/XX/XXXX. Ive updated my info and explained Id try to pay in full before the end of the month. Yet the keep calling.
Consumer complaint received 2019-08-05
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. (WA)

I obtained my Equifax Credit Report in response to my request via XXXX  to order to review it for accuracy. I received my report which was assigned " Confirmation # XXXX ; dated XXXX. On XX/XX/2019 I sent Equifax a letter outlining corrections ; along with utility bill for ID and supporting documentation. On XXXX checking for a status of my XXXX letter, I attempted to use Equifax website ; and it would not allow me access my account. I tried the XXXX given on their correspondence but got a warning that " SITE IS NOT SECURE ''. I then tried two different numbers and finally reached a live person. Rep stated that I had to answer security questions. These were not the normal type questions with multiple choices answers. These were like " name all banks that you ever had a loan with, including name of bank, amount of loan, payment amount. Next was name all credit cards I've ever had including company name, account number, balance and payments. I explained I have a 60 year credit ; and did he really need ever one open or closed in the past 60 years. He responded yes. I had already given him the confirmation report number and even that does not have every account I ever had. I asked for a supervision which he allegedly transferred me and left on hold. Finally I hung up. there was no call back although the rep asked for a call back number. 

On XXXX I received a response dated XXXX ( why couldn't the live agent tell me that a response was sent?? ). New report confirmation number is XXXX. 

1 ) They show my PO Box but not my physical address ( the other 2 CRA 's show both ) 2 ) The removed one previous address as requested but did not add another previous address. 

Accounts 1 ) I requested one account to be closed and remove. It was closed but not removed 2 ) I requested 3 accounts to be removed as all 3 were closed more than 10 years from the closing date. This were not removed even though each has a comment " will automaticially be deleted ten years from the report date. '' Report date? What date?? that does not make sense. 

Biggest PROBLEM- AN ACTIVE ACCOUNT WAS CORRECT ON THE FIRST REPORT DATED XXXX. I MAKE NO REQUEST FOR ANY CHANGES. IT WAS NOT MENTIONED IN MY LETTER XXXX. 
B UT EQUIFAX MADE A CHANGE UNDER ADDITIONAL INFORMATION : " A TEMPORARY UPDATE FREEZE ON FILE. THERE IS NO EXPLANATION AS TO WHY.. I CALLED THE COMPANY. EVERYTHING IS CURRENT AND IN GOOD STANDING.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX, Experian are reporting on my credit file a address that I have never lived nor do not currently, I gave no consent of any type update on addresses and have previously sent my State Id to confirm identity
Consumer complaint received 2021-11-18
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 XXXX I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am writing today because I found some new inaccurate information on my credit. From my understanding, you have XXXX days to investigate and correct the inaccurate information you are reporting. Time is of the essence here because i am trying to get health insurance and my credit score is so low because of your false reporting. I am a consumer and you have to investigate this matter because of me notifying you with this letter. This is my 4th attempt to get this stuff fixed! Remove inaccurate info or I will be forced to seek further legal action! Bceause of your inaccurate error I can't put a new roof on my home
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (IL)

My name is XXXX XXXX XXXX, a XXXX veteran who is attempting to pay off the balance I had incurred with AVANT LLC, WebBank. On XXXX XX/XX/2021, after receiving a credit card debt consolidation loan from XXXX XXXX for the amount of XXXX which was my current pay off balance with AVANT LLC, I enclosed the check issued by XXXX XXXX for that amount and sent the check certified utilizing the USPS tracking number XXXX XXXX XXXX XXXX XXXX to the payment address for AVANT LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX. The certified package was signed by a receiving personnel for AVANT LLC on XXXX XX/XX/2021. The check XXXX {$290.00} was cashed by AVANT LLC on XXXX XX/XX/2021 and did not apply the payment to my account. I had received the signed tracking notice from USPS on XXXX XX/XX/2021 and immediately contacted AVANT LLC at which time the company had no record of receiving the certified package and I was told it would take up to 14 days for the funds to be applied, at this point I had closed my account with this company because I knew a company would have some record of at least documenting the receiving of a certified package. Additionally, I had also stated that the company was requesting a payment by XXXX XX/XX/2021 and the customer service representative stated that my check would be applied retroactively to the date the check was received. AVANT LLC at this time and date of this statement, has not applied the payment to my account and it is currently reported as past due and they had also charged a late fee of {$25.00}. This company is purposely damaging my credit status on the three reporting agencies, as I had never been late with a payment to AVANT LLC. Just the previous month I had sent in a payment of {$100.00} to the company. This particular situation is causing me undue stress for I am striving in the best way to keep my credit from being negative as I have intentions of buying a home within the year. I have filed a complaint with the BBB which AVANT LLC is not a member and this company has over 315 complaints of this same magnitude in just a 12 month period. If this company does not want to do the right thing by their customers, then they should be able to add derogatory information to someone's credit report. I have also filed complaint with the XXXX XXXX XXXX XXXX XXXX Illinois and I have sent rebuttal to the credit agencies on this matter. Please assist me with this matter because I am not the only person that is being taken advantage from this these subprime lending predators. Thank you in advance for your assistance and I look forward to hearing more guidance or information as to what should be my next action.
Consumer complaint received 2021-08-24
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 (NY)

My XXXX year old daughter is a co signer on my checking account with Capital one On XX/XX/2002 she ordered product from a vendor XXXX XXXXXXXX XXXX  email XXXX payment of {$1500.00} was made for merchandise for her stacked clothing line she was starting through company XXXX Mr XXXX never sent the merchant refuse to communicate with my daughter she disputed charge with capital one back who told her they could not help since payment was sent thru XXXX who have not responded to us regarding the money. 
Capital has reversed provisional credit and wants my daughter to pay this back this was her entire savings she in a XXXX at the XXXX XXXX XXXXXXXX This in wrong XXXX and Capital one Bank are both ripping of this child who is totally devasted by this
Consumer complaint received 2019-06-20
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)

Experian and XXXX are falsely reporting late payments for XX/XX/2019 on the XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) XXXX did not have a direct customer service telephone number until very recently. At this time, they could only be contacted via email. I sent multiple emails to their representative to change my payment information. I was never contacted, nor were my emails ever acknowledged and nobody ever got back to me. Consequently, because of their lack of communication I was punished with a late payment on my credit report. This incorrect reporting is harming my credit score. Please delete these late payments from my credit report.
Consumer complaint received 2021-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am challenging the incorrect information with XXXX on my credit report. Where XXXX and TransUnion clearly violated the law. XXXX and TransUnion put on my credit report an account number that is not my and the balance is false. The one month terms payment of an account that is completely close. Furthermore, XXXX mortgage is Fraud. The account is false, the date and the amount. I am a victim of identity theft. XXXX XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.
Consumer complaint received 2021-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (NC)

Recently i received a copy of my XXXX credit report and noticed an unauthorized opened account from Suntrust added to my credit file, i did not give permission for XXXX or any one else to run my credit, i did not apply for loans or any credit cards with Suntrust. XXXX gave Suntrust credit card company access to my credit file without my permission. there is a Suntrust account that is reporting balances and late payments in my XXXX credit file that do not belong to me and when ever i talk to XXXX they blame Suntrust and when ever i talk to Suntrust they blame XXXX saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.
Consumer complaint received 2021-08-24
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)

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 XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Time and time again I have been ignored by the bureaus and I can no longer wait while they continue to fail at their job. The information hat they are reporting is incorrect and false information and I need them to remove the items listed at once. It is my right under federal law to enforce this action.
Consumer complaint received 2019-08-05
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. (IA)

THOSE ACCOUNTS ARE DEROGATORY ACCOUNTS THAT HAVE BEEN HINDERING MY CREDIT, PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY FILE. I HAVE BEEN VERY DISTRESSED  ABOUT THESE ACCOUNTS AND IT IS CAUSING SERIOUS DAMAGE ON MY FILE.
Consumer complaint received 2019-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

THOSE ACCOUNTS ARE DEROGATORY ACCOUNTS THAT HAVE BEEN HINDERING MY CREDIT, PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY FILE. I HAVE BEEN VERY DISTRESSED ABOUT THESE ACCOUNTS AND IT IS CAUSING SERIOUS DAMAGE ON MY FILE.
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Bank has shared my information with XXXX XXXX XXXX without my permission. 

I never gave XXXX XXXX XXXX permission to share my information with any banks but my bank which is capital one. According to an email and text message my information has been shared with other banks. 

XXXX XXXX XXXX has been sending me email and text share with me that they banks need more information from me to process a loan with other banks beside captail one. 

XXXX XXXX XXXX has been making false statement regarding banks and my information. 

Are only going through the motions as stated in the email to share my information with various employee and banks without my permission due to my XXXX. 

They haven't reach out to capital one bank which reference me to them regarding my car loan with capital one bank. 

Employee are saving my information for there on benefit and personal used. As stated in the email to go through the motions. 

No one from XXXX XXXX XXXX reach out to capital one bank but has shared my information with everyone and with other banks.
Consumer complaint received 2021-05-10
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. (LA)

I submitted a a dispute to Equifax I contacted XXXX XXXX XXXX agency by email and by mail several times in reference to my collections account listed on my credit report. I also contacted the original creditor in reference to the account ad my insurance company. I had a redetermination ran through my insurance company and the claim reprocessed I also had a my credit card set up after the claim was complete in order to ensure that the claim was paid. XXXX XXXX was informed this information as well as the original creditor My insurance company reprocessed the claim and then processed my health card for payment I informed the company they the reported the collections account as paid. This account should not have been in collections! This was a insurance issue needing to be handled in which it was handled by insurance, They still are reporting it when it was paid by insurance payment on XXXX. I have reach out the them several times to have this removed from my account. They do not respond, they don't send what is in the credit profile that they are reporting to the bureaus. The credit bureaus are claiming this account is verified after sending in the facts that this account is reporting they are not sending the information as well. This account is considered FRAUD I do not have a contract stating I owed them anything. They don't respond to nothing I send to them they ignore messages. How is this account verified and I don't have a contract with them? How can this be reporting and they aren't responding when I ask what documents they are sending or they have.
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sunlight Financial LLC (PA)

I borrowed {$22000.00} from XXXX XXXX XXXX XXXX located XXXX XXXXXXXX XXXX XXXX in XXXX Alabama XXXX to have 5 solar panels installed onto the roof of my home. Since XXXX of XXXX I have made 32 payments on this loan ( XXXX ). On XX/XX/XXXX SUNLIGHT FINANCIAL sent a representative out to shut of my solar panels, stating that I was in default of my loan.

Previous to this I had been attempting via letters to find out why ( since I had been paying on my loan ) did the principle on this loan decreased {$110.00} in 15 months. XXXX XXXX XXXX XXXX  had been harassing about late fees and I wanted to verify the amount they wanted to charge me along with having them explain to me why after 15 months the principle of my loan ( according to their records ) had come down {$110.00}? 

I wrote XXXX letters to XXXX XXXX XXXX XXXX requesting that they send me information containing dates and payments made to the Principle, Interest and late fees. My first letter was written and sent in XX/XX/XXXX. Since then they have sent me a financial statement without a running balance showing me that late fees were being taken out of the money which I had been sending to pay on my loan. Then it appears that they were then accusing me of not paying on my loan. 

It didn't matter how many times I wrote to request data on the principle and interest of my loan, it didn't matter that two letters were sent from XXXX XXXX XXXX citing my rights under the Fair Debt Collection Act,15 U.S.C. 1692 ( g ) or the Pennsylvania Debt Collection Trade Practices Act, 37 PA. Code 303.7 or the Fair Credit Reporting Act. 15 U.S.C. 1681c. they seemed to thumb their noses at my rights to see what they are doing with the money I am sending to them!

I would appreciate your help in this matter. I feel like they are stealing money from me! Thank you for your time and attention to this matter.
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumers reporting agencies are in violation. According to 15 USC-1681iXXXX, XXXX, and Equifax have 30 days to investigate and sent me these letters. And they also didn't even record the current status of the disputed information in which is another violation. I have all the evidence attatched below.