davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
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. (CA)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Consumer complaint received 2018-02-22
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: Experian Information Solutions Inc. (CA)

I submitted proof to Experian that my loan with XXXX was paid in XX/XX/XXXX. The loan was initiated in XX/XX/XXXX. XXXX continues to provide the wrong information. Over the past two decades, I have received multiple letters from XXXX, and I have copies of my old, paper-version, credit reports. I have proved in multiple ways that my loan was paid. Nevertheless, XXXX is erroneously reporting that I was past due for 60 days in XX/XX/XXXX. You can't pay a bill in XX/XX/XXXX and have it past due in XX/XX/XXXX. I have asked them to correct this, and they are not choosing to do so. Since the credit agency has records revealing that this should not continue to be on report, they have the duty to correct it. I want either XXXX or Experian to be accountable ; preferably, both agencies should work toward greater customer responsiveness and business accuracy. My first bank was XXXX, and I chose to stop banking with them entirely in XX/XX/XXXX because they do not appropriately manage their records. I expect this to be fixed immediately, or I will initiate a lawsuit.
Consumer complaint received 2018-07-17
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)

Police report made regarding XXXX XXXX XXXX also in correspondance with XXXX XXXX. Fraudulent reporting. Needs to be removed from all 3 credit bureaus.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MI)

XX/XX/XXXX - I received a security alert from my bank that I added a recipient to my online bill pay and if I hadnt to call immediately. The notice was sent after the dept I was to call had closed for the day. ( I had not then, nor had I ever used online bill pay. ) I deleted the recipient which was my own credit card - but I never added it. 
XX/XX/XXXX - I received a security alert again and did speak to customer service.. I was advised that since it was my own credit card that had been added to not worry. I deleted it from bill pay again. 
XX/XX/XXXX - I received a 3rd security alert about the same issue. I told the person I spoke with that I had never used online bill pay and could they just eliminate it from my account so I wouldnt receive any additional security messages. 
XX/XX/XXXX - I spoke with someone who said she removed it XXXX online bill pay ) and ever since then I have been unable to have access to my Virtual Wallet Acct or my credit card in online banking. I cant view any credit card transactions or Virtual Wallet account transactions. When I click on the hyperlink for those Acct it takes me to a screen to enroll in online bill pay, but not my accounts. 
I have been sent to various departments since that time to resolve this. I have spoken to credit cards several times to get my recent transactions. I have spoken to online bill pay dept, online banking, escalation and the list goes on. I have been advised that a rep I spoke with was re-enrolling me in online bill pay and that should resolve things in 2 days. I was advised to re-enroll myself ( which I did ). 
No one seems to know what they are talking about. This is an issue that began on XX/XX/XXXX when I received a security notice that I should have never received about an action that I had never taken, and as of ... .. 
XX/XX/XXXX when I can report that I still do not have access to my Virtual Wallet or credit card in online banking. 
To say that I am frustrated is an understatement.
Consumer complaint received 2020-05-20
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. (TX)

Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX  XXXX XXXX, FL XXXX BYMAILONLY XXXX  XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type XXXX XXXX ( reseller ) Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (PA)

I had a item on my credit report for a collection agency enhanced recovery company. I called them to find out what I owed. I owed for a old XXXX  bill. I asked for a settlement amount to close and delete the item. I paid the settlement amount in full. In turn they reported to the credit bureaus a XXXX  balance but didn't delete the item. I call the customer service number they informed me they don't delete just update. That still affects my credit score negatively. I kepted my promise to settlement amount. They did not hold up there half.
Consumer complaint received 2020-05-20
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$5500.00} XXXX  XXXX XXXX {$2700.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX {$2200.00}
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have requested TransUnion to removed 4 unauthorized inquiries from my credit report last week. 
XXXX  date : XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX date : XX/XX/XXXX. 
They wont do it and its not my fault what happened. Its their responsibility to removed authorize/fraudulent inquiries and they dont want to. 
I have no problem with XXXX, there were great but TransUnion it being so unprofessional. 
Thank you.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

Starting around the beginning of XX/XX/2020 I needed to unlock the freeze on my Equifax account for a refi. However, I was not able to login to my account. I reset my password on the companys website, but when I try and login it would tell me my account has been temporarily locked out. I called Equifax to get them to unlock my account and they told me to fax them my drivers license, SSN, and a pay stub. Which I did a handful of times over the next 2 or 3 weeks. Finally, after about 5 weeks, after I started the process, I received a letter in the mail letting me know that they had lifted my credit freeze ( after my refi was done ) At which point I tried to logon only to find out my account is still locked. I then opened an online support ticket with Equifax, XXXX XXXX XXXX on XX/XX/XXXX. Equifax closed that case the next day, without resolving my issue. I then opened another case number : XXXX on XXXX XXXX to try and get my account unlocked. I have sent them 13 emails so far asking when they are going to unlock my account. I have received two responses from them stating that because of Covid-19 the are  busy.
Consumer complaint received 2020-05-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST FINANCIAL BANCORP (OH)

First Financial provided bridge and equity loans in conjunction with mortgage loan from XXXX XXXX. Did not provide adequate communication, did not answer questions, was very disorganized, forgot several things. Asked for same info multiple times. Resulted in closing on house to be delayed 3 times ( 3 weeks late ). Had to reschedule movers 3 times and had to live among boxes and wrapped furniture for 3 weeks, and has delayed sale of existing home ( couldn't show house during same time frame ). In addition to the tremendous frustration and inconvenience, resulted in additional loan costs to extend interest rate on mortgage loan. I have 8 pages of documentation ( attached ), all emails and text messages to show the incompetence and extremely poor service. XXXX XXXX   finally did reimburse for the added cost of extending interest rate. But First Financial has done nothing to resolve the matter and I don't believe what XXXX XXXX has done is sufficient resolution to the issue. Filed complaint with XXXX ( ID XXXX ) that was not resolved. First Financial contacted me an indicated they were not at fault and indicated it was due to lack of communication and information from XXXX XXXX. XXXX XXXX simply points the finger at First Financial as the problem. Both were at fault an extremely incompetent in the services provided.
Consumer complaint received 2018-02-22
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DRIVE NOW ACCEPTANCE LLC (IL)

On XX/XX/XXXX I purchased a car for {$11000.00} at XXXX XXXX XXXX in XXXX, Illinois. I put down a deposit of {$2200.00}. The car had XXXX miles on it. 
I paid an exorbitant price for the car for the sole purpose of improving my credit rating. The salesgirl told me that my payment history would be sent to all three credit bureaus. At the time, there were many inaccuracies in my credit rating. 
Since then, I have never been late on a payment. I cleared up all 19 inaccuracies on my credit reports. However, the finance company is only reporting to XXXX  and refuses to report my credit history to either of the other agencies. 
On XX/XX/XXXX I called the finance company , Drive Now Acceptance LLC. I explained the circumstances to the representative. I requested that they report my ( perfect ) credit to XXXX and XXXX. The representative refused. 
Additionally, since my purchase, I have been diagnosed with a XXXX XXXX and XXXX and have had to stop working. My XXXX income and an early pension ( which will go down to almost nothing in four years ) only come to $ XXXX/month. I would like to trade down for a smaller car with smaller payments. Drive Now also refused to discuss that. 
On XX/XX/XXXX I spoke with someone from your agency and she suggested I file a complaint. 
I really hope you can help me with this. I need to sell my house and rent due to my financial circumstances but I can not pass a credit check by a potential landlord until my credit is reported to all three bureaus and no longer reads " unknown ''. 
The car was purchased at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. Their phone number is XXXX. 
The finance company is Drive Now Acceptance LLC, located at XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. 
I still owe approximately {$6000.00} on the car because of the incredibly high interest rate. Please help me. I can't get a credit card or rent an apartment because Drive Now went back on the salesgirl 's promise to report my credit to the three credit bureaus. I have literally gone without food just to stay current on my $ XXXX monthly car payments. I don't have any family to help me out. 
Thank you.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MO)

My wife and I bank with US Bank, we were offered a US Bank credit card in XX/XX/XXXX. I accepted the offer. I tried several times during XX/XX/XXXX to log in and set up my account and auto payments. My wife tried and could not, so she called the credit card service number. This was on or around XX/XX/XXXX. The person my wife spoke with explained there was an issue with the way our account was set up with the bank and therefore with the Credit card. We did get that resolved and my wife made a payment, while at the same time setting up auto payment. Due to the issue, the representative my wife spoke with removed the late fee. 
In XXXX, I received an email stating I had a missed payment, My wife called the customer service department, she took care of the account and verified that the auto payment was set up this time. 
In XXXX, I received an email from XXXX XXXX stating my credit limit had been dropped by {$5000.00} I called customer service and was told that they could not tell me why. I was told, I should have received a letter, I said I did not and requested a new letter. I had to call back several times to get the letter. 
Once I did receive the letter, it stated the reason for lowering my credit limit was due to missing 2 payments. Both payments were missed due to errors or issues on their side. 
On XX/XX/XXXX, my wife called and spoke with 3 different representatives before getting any information. She was told I would have to log into my account and request a credit limit increase. Y credit score already took a hit from my having a lower credit limit, now they want me to request a credit limit increase ; which will also impact my credit score ; without a guarantee, my credit limit will be reinstated.
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

I was notified from the credit bureau on XX/XX/2020 that I had a collection account that was added to my account. Once I noticed I disputed the account with XXXX regrading verification of this debt as well as the original agreement between myself and the alleged debt collector. Prior to this showing on my credit report I received no documentation in the mail or otherwise from the alleged Enhanced Recovery regarding this alleged debt I owe. I have never signed an agreement with this company and I have never received any notification and/or verification of this debt and that I am to pay Enhanced Recovery. I wish to have this collection removed immediately.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CT)

I had two credit cards issued through Synchrony bank, Lowe 's and PC Richards. I have had these cards since XX/XX/2013. I set up auto payments and never missed a payment. My credit report shows 100 % payment for the life of these accounts. Synchrony decided to close both accounts even though they were being used at least twice a year and paid on time. Because of these actions, my credit has taken a huge hit. I don't have perfect credit but was using these cards to help me get my credit back on track. The advice on most credit sites and even the major credit bureaus have recommendations in line with what I was doing. It will take me years to dig out of what Synchrony has done to me and countless others I have run across. This bank is taking advantage of the current pandemic closing accounts because they aren't making any money off of people like me. Please help me. Is there anything I can do?
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AZ)

I never had XXXX XXXX or XXXX ; the creditor who claims I owe {$460.00} and have reported to my credit as a collection. I disputed with credit bureaus in XX/XX/2017 and the result came back verified as accurate. Please help remove these items from my credit report. I don't know how the result came back verified-accurate being that I have never had any service with the creditor.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

I have a issue with unrecognized addresses appearing. I also have a few name variations on my file that are not correct. my full and correct name is XXXX XXXX XXXX XXXX please remove any other variations of my name. The following addresses are not mine please delete : XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a error account from FCRA XXXX, XXXX, XXXX, XXXX # XXXX, XXXX XXXX   # XXXX, XXXX XXXX # XXXX. 
Chapter XXXX bankruptcy XXXX.
Consumer complaint received 2020-05-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (IL)

In XX/XX/2017 I closed a contract agreement with the Illinois ( XXXX ) in conjunction with XXXX   XXXX XXXX XXXX ( XXXX ). XXXX would pay Statebridge ( SB ) {$19000.00} to bring my mortgage account current, and make monthly mortgage payments to my account for 12 months. During this period SB has charged fees to my account for late pays, foreclosure fees and sent adverse information to the credit bureau, which violates their agreement with XXXX and me. ( see attached paperwork ) SB has recently threatened me with foreclosure even though they have been paid on time by XXXX. Because of the fraudulent information on my credit report I can not refinance etc. SB practices burying money upon receipt and post on account whenever they feel like it, usually after the 15 day mortgage payment grace period. XXXX and I have been told while talking by phone with SB, that it may take up to 45 days for payments to post. ( Rather convenient since all mortgage payments are due no later than the XXXX of each month. )