davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (AR)

I have had two HELOC loans with US Bank for a course of 5 years. I do not actively bank with US Bank. I have a one account that I deposit funds into that are automatically drawn out to pay my month house payment. 

XXXX of XXXX - the auto payment went through and I was short on the my account. I was notified by a phone call later in the month about the error. I quickly went to the Bank and made a payment for XXXX and one for the next month XXXX of XXXX. 

As noted in the letter received by US bank. The Branch ran my XXXX payment twice, which " artificially satisfied '' the payment due in XXXX. I called the bank multiple times to make sure the XXXX payment was back on track and it was. I left for vacation for a few weeks for the holidays and came back after the XXXX of XXXX. Around XX/XX/XXXX I received a phone call from US Bank corporate stating my XXXX payment did not go through. I was extremely frustrated about this since I already handled this, I thought back in XXXX. Account was made whole on XX/XX/XXXX. The next month I get a huge credit knock that took me from a XXXX to a XXXX for a late payment. In XXXX I admit it is my fault for not having funds fully ready. I handle it as soon as I found out. Which was within 30 days. Fair credit laws do not allow you to report this within that timeline. What US bank is reporting is my XXXX payment which they admit in the letter was their error. 

I run a small XXXX XXXX company. I have support my family from borrowing money to us to build homes and then get paid. All of my lines of credits are up for their yearly review and every bank is raising fees and rates due to this one mistake. I really need help. This detrimental to my business, my career and most importantly my family. 

Please help me out in anyway you can! 

Best, XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MS)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2020-10-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX credit bureau as well as XXXX  are reporting old account information, old addresses and misspelling of my name that should by law be deleted by now..I hired XXXX to help me with this matter but to no avail the old account information is still reporting threw XXXX and XXXX  credit bureau
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OK)

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet Equifax and XXXX  are still reporting some of them. Equifax in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.
Consumer complaint received 2019-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (GA)

I have a mortgage with suntrust bank. My home was damaged during hurricane XXXX. It took me 8 months to receive a settlement from my insurance company. The check in the amount of {$100000.00} ( approx ) was made payable to myself and suntrust bank. 
They have been holding these funds since XX/XX/XXXX. I have spoken to them almost everyday and every day they have an excuse as to why they will not release these funds to me. Everyday they have another new policy or a policy change that must be met before they can release funds. 
On their loss mitigation page it clearly indicates the steps to follow and the timeline to receive funds. But in reality this is not true. They claim they process documents within 2-3 days and release funds up to {$40000.00}. But when I speak to the representative they say that it not true despite it stating so clearly on the website. 
I believe Suntrust is deliberately withholding payment so they can hold this money and coll3ct interest for their own enrichment. 
We are senior citizens and I feel they have deliberately altered their process to make it so difficult so that no matter how we try we can never comply with their demands Myself and my XXXX XXXX XXXX husband even went to a branch and had the branch manager call and speak to a representative, send over the required documents, have thT representative tell the bank manager a check would be sent out the next day only to call the next day and have another rep. Tell us that was not true. That manager at the XXXX GA branch spoke with XXXX XXXX who said to call him back the next day. We did and he wasnt there. I have left messages for him but he has never returned my call. 
I believe that Suntrust bank is preying on us as elderly clients to purposefully defraud and confuse us. Not to mention hold onto our funds unjustly. 
After all we have been through with a natural disaster to have suntrust bank add to our difficulties in this matter is disgraceful
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Reporting the same Department of Education Balance twice. How can the same charge show up 2 separate times? Not only were these being updated during the pandemic, which the CARES ACT put a halt on all student loans, but I paid them off and was promised they would be removed. I trusted the Department of Education, which I paid close to {$2500.00} when money is extremely tight, to honor their word. Now not only are they reporting the same account twice but they are leaving them on making getting transportation and housing much harder and much more expensive.

The struggling now are struggling more than ever. Our own  Department of Education and XXXX  and Equifax are hurting us more than anyone else. 
1. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type Installment XXXX XXXX XXXXXXXX XXXX, WI XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-02-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LendUp Loans LLC (IN)

I believe I was overcharged on loans I payed off early.. I have been charged {$36.00} to {$38.00} on loans I payed off early.., Shouldn't the amount of interest collected be adjusted for the early payoff.,
Consumer complaint received 2018-02-22
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)

Hi I am contacting you on behalf of my XXXX so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXXyrs old and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is XXXX.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-01-21
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. (MT)

I had a fradulent credit card opened in my name back in XX/XX/XXXX. I saw this when I pulled credit report. I immediately reached out to XXXX XXXX cc and asked them to close the account. I contacted all three bureau and supplied them with fraud affidavit, law enforcement report, proof of identity and letter of explanation. XXXX and XXXX responded emediatly and blocked the information. 
Equifax, has been a completely different situation. I faxed them all the supporting documents for this claim ( same ones I sent to other bureus ). I have had zero effort put into this from Equifax. The first one submitted was returned as no account found. The second time submitted, They targeted my auto loan through XXXX XXXX auto services and this time, they have lost documents and or say, they didn't get them. I have refaxed them several times. 
On XX/XX/XXXX I faxed all documents and did a fallow up call two days later to make sure they received them. I was told I needed to resend them with correct account number on law identity theft report. I was told, once I got that to them It would be removed / blocked. 
I immediately redid my report and double checked account number to make sure it was correct one and sent information again. I was even told by Hand ( agent with speciality department ) that they were waiting for that and to make sure I noted on the cover page, account number for fraudulent card, name, phone number and note that this was a additional peice of documentation for block. I did all that and fallowed up a couple days later on XX/XX/XXXX to make sure they received them. I once again was assured that this item was being blocked but just had to wait the 4 - 7 days to be processed. 
I pulled my report on XX/XX/XXXX and seen it was still there!! So I called Equifax back and was told numerous things - it was blocked - to was being investigated ( even though it was varified as fraud by Equifax ) and had been investigated already. 
- I called back later that day and was told they didn't have updated affidavit with account number, even though I was told by previous 3 representatives, that they had it with AC number on it. 
- called back the next day after I researched my documents and fax receipts.I was then told they were going to block it but the proof of identity and affidavit were to dark and read able. 
Please help!!!!
Consumer complaint received 2020-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

I received a past due notice dated XX/XX/XXXX for an outstanding balance of {$570.00} identified as Item # XXXX by Ace Cash Express. Contact info in XXXX XXXX, FL XXXX. Company address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Original loan amount {$550.00}. Origination date XX/XX/XXXX. I never took or received this loan. I have contacted the company and requested that they erase the false debt from my name.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

the following accounts ( credit cards ) XXXX XXXX and a XXXX XXXX, are reporting inaccurate late payments for which i disputed and they have sent me the letters ( hence attached ) but the bureau are not cooperating and not updating their data base to have not late payments, i have also attached the letters received by both creditors for which they have approved to remove this inaccuracy but the bureaus are not trying to cooperate in this matter, please have them to remove and update my credit reports. 
thank you
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I obtained a copy of my credit report on XX/XX/18 for my personal purposes of ensuring that all account entries were reporting accurately. A week later, I received a notification from my credit monitoring subscription that 2 negative account entries were reporting on my report. To my dismay, I found that these were accounts with 3rd party collection companies that had in fact been deleted from all of my credit reports previously due to the fact that these companies were unable to verify the information that they were reporting ( See attached dispute letters ). I submitted dispute letters multiple times to both of these companies which resulted in the items being deleted. See attached credit report dated XX/XX/18 where my credit reports bore no collections. These account entries must be DELETED immediately. 

Additionally, my complaint against Experian and XXXX  is that they allowed the re-insertion of these accounts on my reports and DID NOT notify me five ( 5 ) days prior to doing so which is a direct violation of my consumer rights. Further, I have received NO CORRESPONDENCE FROM XXXX XXXX OR XXXX regarding any additional information they have to support re-inserting these entries on my credit reports. The law mandates that 3rd party collection companies have 30 days to investigate the dispute and respond with their findings. Being that they were unable to do so previously, does not mean that they are at liberty or will to reinsert these same accounts because time has passed. Blatant violation of my rights. 

Prior to hiring an FDCPA attorney for these inaccurate entries and illegal re-insertions, I am demanding that both these account entries be deleted from my Experian and XXXX reports immediately and that I am provided a copy of the updated reports for my records.
Consumer complaint received 2022-02-11
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 disputed to XXXX, Equifax 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 60 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 2020-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

XXXX XXXX fraudulently charged my account with $ XXXX months after it was closed. They then sold the debt to a third party company ( ENHANCED RECOVERY COMPANY ), which I discovered on my credit report. 

I'm still having trouble getting this removed from my XXXX report, even though I have sent them proof that my XXXX XXXX account was closed long before they continued billing me for their service. 

On XX/XX/XXXX I received my final ( accurate ) bill from XXXX. I paid it that day online and received confirmation that my balance was {$0.00} and my bill was paid in fill and the account was closed " Your final bill will be approximately {$0.00} '' I received another bill on XX/XX/XXXX for an additional {$20.00}. 

I disagreed with that amount, so I contacted XXXX chat support. I have the transcript from that chat where I told them to just go ahead and charge my card for the {$20.00} and to make sure my account was closed. 

At that time I was assured that the ACCOUNT WAS CLOSED. 

From XXXX Chat Reference Number : XXXX " XXXX : XXXX, rest assured that you won't get charged in future on the account as the account has been cancelled. '' Approximately 1 year later I discovered that in XXXX of XXXX a third party company ( ENHANCED RECOVERY COMPANY ) had purchased a debt for {$190.00} and added it to my credit report. 

This was the first I had ever heard of this {$190.00}. 

I went back through old emails and discovered a bill from the CANCELLED XXXX   account that was sent XX/XX/XXXX for {$190.00}. 

That was 2 months after my account was originally closed. And 1 month after the chat transcript proves that XXXX confirmed the account had been cancelled. 

I contacted all 3 credit bureaus and emailed them proof that I don't owe this money. However, it is still appearing on my XXXX report. 

Now I'm fighting to have a {$190.00} fraudulent charge from XXXX removed from credit report.
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

XX/XX/2017 I had called about my student loan payments inquiring why they were taking {$79.00} one day of the month and XXXX $ another day. I was discussing with them my financial situation ( in terms of I want a one month payment possibly lower than the {$180.00} ) and the " loan professional '' suggested income drive based payment plan, which honestly sounded good since I was paying {$180.00} a month and I had recently lost my job. So they explained its based off the income NEVER that I was going to pay NOTHING towards my principal for almost a year. I am beyond myself, how could they not tell you " hey by the way you are only going to be paying interest are you sure you want to do this? '' I opted for auto debit therefore not looking at the breakdown until I did my taxes this year. I don't understand how they can suggest something like this when they are supposed to be helping my debt situation not making it worse. I requested a lower interest rate considering I wasted almost a year at paying interest only ( not even XXXX $ towards the principal ). How is that even a thing? I should have known better they these people are snakes but they do not teach you this stuff in high school, which is sad because hard working people like me get taken advantage of. Super frustrating and honestly sad.