davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Hello, I had sent a letter to Equifax regarding some inaccurate information on my credit report and for them to remove and fix the accounts on XX/XX/2020. I sent them a follow up letter on XX/XX/2020 and still no reply. From my understanding they are in violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for your investigation.
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (TX)

I have asked them twice not to call me at work. 

They, " National Recovery Agency '' want me to blindly pay them {$100.00} on an invoice they will not validate. Using the Post Office,  mailings and telephones in a bullying fashion. 

Their company : National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX Phone # XXXX & XXXX
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

Correction XX/XX/2020 at XXXX XXXX PDTTransaction ID : XXXX Payment Status : COMPLETED Gross amount - {$9000.00} USD We have no postal address on file Your Payment Gross Amount- {$9000.00} USD PayPal Fee {$0.00} USD Net Amount- {$9000.00} USD Contact info PayPal Funding details Funding Type : PayPal Balance Funding Source : - {$9000.00} USD - PayPal Account Need help? 
Go to the Resolution Center for help with this transaction, to settle a dispute or to open a claim. 

Memo {$9000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; XXXX XXXX
Consumer complaint received 2020-07-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Comerica (TX)

Comerica bank forced me to sign a forebearance letter even though all payments were current. Comerica announced they wanted to drop my loan and I needed to find another bank. After signing forebearance no bank would talk to me. They took my XXXX dollar commercial property. 

Now they refuse to give me info on my home mortgage Acct #, Payoff, why no statements? They refuse to talk to me. 

This cant be legal
Consumer complaint received 2020-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: COAST PROFESSIONAL INC (TX)

XX/XX/2020, I spoke with a manager one threatened me with possible phone calls when my account is on a do not call list. He declined to continue with assistance once i would not give him a phone number to note on the account. His words were if I got a call from the company, it would not be there fault.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

PayPal -negative {$820.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$820.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX
Consumer complaint received 2020-07-15
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. (FL)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. The following items do not belong to me and is a result of fraud that I did not authorize XXXX XXXX  ACCOUNT OPENED XX/XX/2015 {$11000.00}
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (OH)

Trying to connect my PNC account to XXXX. Unfortunately it seems this is not a possible connection at the moment. I wish it was because I was excited to start learning about investing and it would have been easier for me to do so without having to open a new account.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MD)

Pnc account member. Pnc bank will not allow its members to link outside or online financial institutions such as acorns investments. Been trying to for over a year. Customers should have a say or have an option to allow such institutions to access their account.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2020 Chase bank froze my account because of a deposit was made to my account and plan on closing my account and returning my funds. 

Chase bank have no authority to hold any of my funds. Regulations E & EFTA My loan is between me, my entity and the SBA They did not request any LLC or ask me about any business deposits prior to opening my account My name is my business I have no funds
Consumer complaint received 2020-07-15
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. (TN)

At the initiation of me surrendering my property back to the mortgage provider, I sent paperwork, legal documents and other pertinent information due to the home being sold illegally by a builder who was not licensed to build a home. Inevitably, the home 's foundation failed. The home sold at auction in XXXX. The mortgage account was closed with the correct payment statuses listed in my report. There is no foreclosure listed, and that is correct. In XX/XX/XXXX, I received a 1099C with and identifiable code of G which is identified as decision or policy to discontinue collection. Not identifiable code D, which is foreclosure. Which is correct. I have repeatedly requested the loan company update my credit report to reflect this and remove any remarks listed. Nothing has been done although my XXXX  report has been updated as of XX/XX/XXXX to reflect a foreclosure code. My XXXX  report is correct. My Equifax report still states foreclosure. 

The mortgage company has failed to remove this information from my credit bureau reports after multiple attempts. Either I need an updated tax form or they need to remove all remarks and statues stating foreclosure from my credit bureau accounts.
Consumer complaint received 2021-05-01
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: EQUIFAX, INC. (NC)

On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 120 days!! I demand these accounts be deleted immediately/promptly. That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

PayPal - negative {$4100.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$4100.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4100.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation XXXX XXXX
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be  forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2021-08-12
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (OH)

I Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.
Consumer complaint received 2020-07-15
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: EQUIFAX, INC. (WA)

I went through a hardship after I graduated from college. I couldnt pass the ARRT to secure a job. My wife and I moved out of XXXXXXXX to XXXX and things got worse with trying to pass the bar exam and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the XXXX  XXXX is showing several late payments for my account at XXXX, XXXX, Equifax before selling the loan to a different lender.
Consumer complaint received 2020-07-15
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. (NJ)

I have been trying to do my absolute best to fix all the issues on my credit report and make sure everyone and everything is perfect. But of course when it comes down to the last one it's XXXX XXXX XXXX XXXX. A once amazing bank that has become known to not give a dang about anyone or anything. 

I had a car loan with this company for 5 years and had perfect payments of {$480.00} every month. But according to Affinity I was late 60 days, which I disputed and now I'm late 90 days. So now it's even worse. These late payments are from 6 years ago and of course Affinity decides to add some more on. There is no way this account was ever late this much due to my fault. Why would I neglect a $ 35ish payment for 90 days when I paid {$480.00} every month for 5 years during this same time!
Consumer complaint received 2020-07-15
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: EQUIFAX, INC. (GA)

On XXXX, 2020, I realized that my personal information has been misused by an identity theft crime. Exactly seven different credit accounts were made with my personal information. Six accounts are listed below. 
XXXX XXXX XXXX XXXX ( {$3700.00} ) XXXX  XXXX XXXX XXXX XXXX ( {$2500.00} ) XXXX XXXX XXXX XXXX ( {$8100.00} ) XXXX XXXXXXXX XXXX XXXX   XXXX  ( {$14000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX To resolve this problem, I have made and submitted an identity theft report from FTC to all three credit bureaus and made additional police report regarding the identity theft crime and submitted that report to all three credit bureaus as well. 

I also requested verification and validation of each accounts to the creditors and they did not provide me any detailed information regarding who might be responsible for these accounts. Because the credit bureaus and creditors did not find who might be responsible nor have significant proof that I am the one who made these accounts, all accounts that were involved with identity theft must be removed from my credit report. 

The remaining fraudulent accounts on my credit report are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

XX/XX/2020 To Whom It May Concern : This letter is regarding Account Number : XXXX, which you claim I owe {$1100.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX   ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please see the attach FTC report. This have cause me a hardship and your data breach had made my life XXXX. Please remove the unauthorized name, address, and inquires from my credit report immediately According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect (IL)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (GA)

Hello, I applied for a refinance loan with Rocket Mortgage ( Quicken Loans ). I was offered a rate, paying 1 point in the original disclosure which I reviewed and signed. This disclosure included a Rate Lock agreement. During the period of processing to closure, I received a Re-disclosure ( within the time frame of the original locked rate ) providing for the same rate, but paying 3 points. At no time did anyone call me to notify me of any changes, at no time did I receive any negative credit report updates or additional credit checks. I contacted the broker, who told me he had no say on the matter and advised someone would call me. After several days and multiple attempts to reach someone, the director of underwriting ( supposedly ) called me and told me that the points changed when my home did not appraise for the amount they had wanted it to appraise ( although the home still appraised at more than 80 % loan to value ). I advised him that I had a rate lock with one point, that points are paid to reduce the interest rate, which was not occurring here, and that i believed that someone was trying to pull a fast one. I advised he needed to fix this. He told me that points were assessed based on the risk - not to pay down the rate and that there was no mistake and that he would not be changing it. I told him that I had a truth in lending statements indicating one point and i expected him to honor that. He then told me they would not be issuing me anything and would be closing out my loan. He then hung up on me. 
i allowed this company to run my credit, spent hours providing them with personal financial information - including consent for tax records, and had a signed disclosure with an active rate lock. 
This company 's deceptive practices is unacceptable. They clearly pulled a bait and switch thinking I would simply agree to the new redisclosure without reading. Thank God I read it before I accepted. 
I may not have suffered any real harm at this time, however, it is important for your agency and the consumers to know that Rocket Mortgage / Quicken Loans is employing deceptive lending practices.