davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

In Summer XX/XX/XXXX, I closed an American Express Premiere Rewards Gold Card. 

In XX/XX/XXXX, I got an error on my account when attempting to transfer membership rewards points to an airline. I called and spoke with a representative who said I had a delinquent charge on the closed card for {$3.00}. She assured me it would be waived, manually transferred the points and said I was good. 

In XX/XX/XXXX, I noticed the account was incorrectly reporting 120 days negative on my XXXX   credit report ( while doing my annual checks. ) I called and spoke with a representative at American Express who apologized and said the amount ( the same {$3.00} ) would be waived. I called the credit reporting bureau the next week and they manually pushed an update to my credit report. 

At the end of XXXX, I got a notification that a delinquency was reporting on my account again, 30 days negative. I called American Express AGAIN on XX/XX/XXXX and they said the request for the fee waiver had been denied, but that it had been taken care of, and I could call the credit bureau to get an update pushed in 48-72 hours. 

I called the American Express credit bureau on XX/XX/XXXX and after some discussion with a representative who did not seem to understand my request, she pushed an update to my report. 

Today, my XXXX  credit report is showing that a delinquency was paid off, not that the delinquency was removed. Based on my conversations and the early XXXX update to my credit report, this delinquency should be removed as if it had never existed, not simply updated to paid off.
Consumer complaint received 2018-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Pursuant to : section 1001 ( c ) of the Internal Revenue Code ( IRC 1001 ( c ), I have contacted Caliber Home Loans, et al, to determine the gain or loss from the sale or other disposition of a term interest in property, that portion of the adjusted basis of such interest which is determined pursuant to section 1014, 1015, or 1041 ( to the extent that such adjusted basis is a portion of the entire adjusted basis of the property ), and have still not received any information. They have Bonded my note in the XXXX XXXX XXXX XXXX and have not sent me the details which I have been requesting.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (LA)

I have an issue with my current mortgage company, Ditech. 

We were one of the folks impacted by the XX/XX/XXXX Flood here in XXXX XXXX. We did and still have Insurance with XXXX through XXXX XXXX. 
We processed the Checks from XXXX and the money is being held by Ditech. They have been very slow in releasing the disbursements to me in which to restore my house. 

I found out Monday ( XXXX ) that Ditech maybe selling my mortgage to another Company, XXXX. 
My fears are confirmed, I have received Notice from Ditech on XX/XX/XXXX. 
It would appear there are many lawsuits against this company for the same issues I'm currently having with Ditech. I do not Trust Ditech!!!! 

I really feel like I've been taken advantage of by these loan company practices, and at XXXX years of age I feel like I should not have any issues with getting my money to restore my house! 

I've been an employee of XXXX for over 40 yrs. 

What I would like is some direction on how to proceed with getting my Insurance Claim Money so I may finish restoring my house. 

I am also fearful that my Insurance Money that is being Held by Ditech will get LOST in the Transfer to XXXX, or worse, that Ditect Maybe trying to Keep My Insurance Money. 
I have Tried Contacting Ditect Many times since the XX/XX/XXXX Flood. They will not Email me any information, all I have received from them are Form letters asking for the same thing over and over again, For Example : A Form to verify my address! Makes no sense to me since I have given them that form already! 
The Forms they send to me are at my Address, which they are asking me to provide to them! 

I would be happy to send any pictures of my house during the renovation or if anyone from any office or agency would like to come and inspect and take pictures, that would be welcomed. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Upstart Holdings, Inc. (FL)

I filed for bankruptcy but I still have the account appearing on my credit report because Upstart changed something in their system about the account although it is the same debt. 
The account is closed and show bankruptcy not charge-off or be removed from my account.
Consumer complaint received 2018-03-08
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. (FL)

Equifax, XXXX, XXXX, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (MD)

I issued a check back in XX/XX/XXXX to my landlord in the amount of {$1800.00}, by which he reported losing the check. I in turn issued a new one to cover the lost check reported. 

Fast forward to XX/XX/XXXX, my landlord came into PNC bank and cashed a 4 year old check. I reported the check to the local XXXX PNC on XXXX XXXX and spoke to XXXX the Banker. He mentioned that this was a bank error ( teller error ) and that checks stale date after 180 days or six months, he would get back to me in the coming days. 

Three days later I had to call him back and he said their fraud department denied my claim. 
I feel that I was lied to and misrepresented by this banker.
Consumer complaint received 2021-03-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC (MD)

Possible Discrimination with disturbing unfair practices On several dates in XX/XX/XXXX and recent contact on XXXX, XXXX, XXXX complete loan verification as Co-signer auto loan. 

XXXX representatives request return call ( no longer effective ) credit freeze on XXXX credit report. 

After several attempts request pull update report, XXXX representatives advised send email credit analyst process XXXX XX/XX/XXXX, XX/XX/XXXX XXXX however no return call and dealerships also attempt help solve problem. Effective, as of this writing Ive called following info and have been hung up or transferred to the XXXX # phone que, with no help to get verification to finalize auto loan. 

Westlake App number XXXX XXXX
Consumer complaint received 2022-10-15
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. (IL)

Experian is not reporting accurate information on my credit report. My credit history is not being reported correctly. I made a payment with XXXX XXXX services in XXXX and Experian is not reporting there was any payment made in XX/XX/2016. There is literally nothing being reported for XX/XX/2016 as if I did not make a payment. I would like my payment history updated for XXXX XXXX XXXX. I received an email from Experian stating the dispute is complete, however they are reporting the same information. Experian is not providing correct information on my payment history and this will be the last dispute prior to filing a civil lawsuit. How many times do I need to submit a dispute to correct information on my credit report and nothing happens. No one takes the time to investigate. How hard is it to report there was a payment made in XX/XX/2016? I would like my report updated with accurate information or remove this account from my credit profile.
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC (TN)

I had a call which I answered telling me that a lawsuit has been filed against me to press one for more information. I pressed one and a rude individual asked me for a case number. I informed them that I didnt know but expected them to know when they called my phone. She told me that my logic was ridiculous and that she did not call. I informed her that someome from there called and asked me to hold. She hung up. I called back and told her that she was completely unprofessional and in violation of the fair debt collection act. She told me I had " too much energy and that she was not the irresponsible individual who did not pay their debt. '' She hung up. I calle dback and she lets the phone ring. With XXXX, I have learned that the number is registered to Jefferson Captial. I want to pursue this violation and be compensated for their behavior.
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

I was one of many thousands of people whose information was stolen from Equifax through a data breach. I signed up for the XXXX product which provided credit monitoring and $ XXXX of protection for those whose information was stolen, provided by Equifax. I have emails from XX/XX/XXXX stating that I had successfully signed up for the service and paperwork showing that my policy number. 
I called Equifax on XX/XX/XXXX and was told that actually I hadn't successfully completed the sign up for XXXX   product and because it was after XX/XX/XXXX that they could not offer me that protection anymore. Now they could only offer me a much lesser product ( Lock & Alert ) which would only alert me for some type of identity theft with no protection. I feel this is unfair since the emails from Equifax indicated that I had successfully signed in. Plus, their website was in terrible shape when they setup this program causing tremendous delays and what I now see, lots of errors which were not obviously to the consumer. Shame on Equifax to put the consequence of their terrible system on the consumer. I have paperwork that says I am enrolled in their program, they should honor that. However, the company refuses to. I spoke to a supervisor XXXX ( Employee ID XXXX ) and he also was unwilling/unable to make this right. 
By the way, while I was on the phone with their customer service agents, I could hear in the background that others were having the same problems as I kept hearing different agents voices saying that while they had thought they had successfully signed up for XXXX, they hadn't and now they could only get the Lock & Alert.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX 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. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 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.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-06-24
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. (NY)

There is a derogatory account that is reporting on my credit that was never removed. It is past the statue of limitations in New York which is 6 years. My last payment on the account was XX/XX/2014. This account is illegally reporting on my XXXX and Equifax reports. XXXX has already obliged to the LAW. Please remove this account from my report immediately. This is federal offense and is also a defamation of character! 
I have submitted my ID and a utility bill as proof of identity.
Consumer complaint received 2021-06-24
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services (GA)

XX/XX/XXXX i was frauded for a Mercedes benz XXXX over the internet. The car was repossessed because i was denied the option to pay for it, in installments or full payment. I lost my job. On XX/XX/XXXX I paid the full amount of the vehicle to clear my credit. The full amount was {$15000.00}.
Consumer complaint received 2021-03-03
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: AMERICAN EXPRESS COMPANY (CA)

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX AMEX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Braviant Holdings, LLC (SC)

Prior to accepting the payment the company was to delete the account from my credit. Instead they took the funds, and continued to report on the debt as paid in full with a {$0.00} balance which still shows up on my credit as if it is an open tradeline. When I reached out to representative XXXX XXXX XXXX explained that they were well within their rights under the FDCPA to continue to report as often as needed. I then explained that this account should have ceased reporting as of XX/XX/XXXX but continued to report after XX/XX/XXXX which is more than a year later. This practice in itself keeps the statute of limitations extended.
Consumer complaint received 2022-04-06
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. (CA)

This is my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with XXXX XXXX XXXX and I always made my payments on time. For some reason, I realized that there were 30 days of late payments for the month of XX/XX/2021. I have read enough to understand my rights. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like remedied ASAP. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

I called the company Regional Acceptance Corporation today. ( XXXX ). I was told to contact the credit bureau. The account was closed in XX/XX/. There is no balance, but it is showing on the credit report as negative.
Consumer complaint received 2019-03-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Control Technology, Inc. (OH)

A company called Account Control Technology , Inc ( XXXX ) has been calling family members, acquaintances and friends saying they have " time sensitive information '' and must reach me right away. They are calling the children of family members as well. In many cases they are calling these family members at work. Yesterday they called my cousin at work and listed off by name every member of our family and said they would continue to call until they reached me. My contact information has not changed in 19 years. This is not a strategy to reach me directly this is merely a tactic to attempt to cause embarrassment and work related issues.

They refuse to give the name of the company. We found the name of the company by reversing the phone number. Many of these calls have been recorded because they are on work lines.

My attorney advised me to submit this complaint prior to taking any additional action.

This company DOES NOT have my permission to contact any family member, friend, or acquaintance by either phone, direct mail or electronic communication. Any additional attempts will result in legal action.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Person or persons unknown to me use the name XXXX XXXX and my social security number to open two credit card accounts with XXXX XXXX XXXX. Note : My name is XXXX XXXX XXXX not XXXX XXXX that was used to open these two fraud accounts Allegedly Resurgent Capital Services purchased both cards on X/XX/2017 When I became aware if these two fraud credit cards I contacted XXXX XXXX XXXX and was referred to Resurgent Capital Services, I contacted Resurgent Capital Services Twice disputing these fraud accounts, I requested that Resurgent Capital Services supply me with copies of the applications that were submitted for the credit cards listed above to verify these two accounts, along with a copy of the sales contract from XXXX XXXX XXXX and Resurgent Capital Services, Resurgent Capital Services can not produce the applications for credit in my name XXXX XXXX XXXX nor will they supply a copy of the contract between XXXX XXXX band and Resurgent Capital Services to verify that both accounts are valid and that they own the two fraud credit card accounts. Resurgent Capital Services as of this date XX/XX/2017 is reporting False and incorrect information pertaining to both fraud credit card accounts to the credit reporting agencies. Fraud/Identity Theft report has been made to my local police department # XXXX and also made to the Federal Trade Commission FTC report # XXXX
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  SS # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-07-16
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. (NY)

On XX/XX/20 fraud occuried on my account with XXXX  XXXX and XXXX   hard pull inquries. I never applied for either. I didn't authorize anyone to do so on my behalf. I will show you guys a picture. I just want my stuff to be accurate I'm gon na change log ins and different things so this doesn't happen ever again. I'm hoping you guys have an understanding. If anyone walked into these banks it wasn't me I didn't sign anything or do anything online with XXXX XXXX or XXXX
Consumer complaint received 2019-03-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (NH)

To whom it may concern, We sold XXXX XXXX XXXX XXXX ) and purchased a home ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2019. 
We were advised to not make a mortgage payment because it would cause the payoff amount to be incorrect. I have attached the closing documents for both homes showing that they were both completed on XX/XX/2019 and the loan ( XXXX ) was paid in full on this day. With that being said the loan was paid in full before XX/XX/XXXX and it was not 30 days late.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance wit the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and/or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-09-12
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: EQUIFAX, INC. (NC)

I have summitted a complaint a few times about the fraudulent accounts reporting on my XXXX  credit report, due to me being a victim of identity theft