davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I submitted a dispute online for a XXXX account reporting on my report. Equifax removed the account from my report. Then put it back up there. They completed the dispute without providing any information of the results or a contract from the creditor who listed this account on my credit. They also did not notify me within 5 days that the account would be placed back on my credit report. I called on XX/XX/XXXX and XX/XX/XXXX and was told that the account was valid without any explanation. From the attached documents you can see that it was in fact removed. As of today XX/XX/XXXX it has been placed back on my report.
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (CO)

Got call from XXXX XXXX on XX/XX/XXXX they said called from XXXX XXXX XXXX and just asked my date of birth with out disclosing why and for what they are calling so i had to hung the call. Later Received an letter on XX/XX/XXXX which was dated on XX/XX/XXXX mentioned that i Owe XXXX for XXXX XXXX XXXX XXXX So i Called them that i have paid in through my XXXX XXXX  on XX/XX/XXXX payment # XXXX through check and requested them to dispute it and send an confirmation mail that it is disputed and they are checking with Medical provider But the person in the phone was rude and mentioned that they would check with medical company but could not sent any letter or confirmation mail that it has been disputed and just disconnected the call ..
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MI)

I have been disputing some fraudulent accounts with synchrony bank, the accounts are XXXX XXXX, XXXX credit card and XXXX club credit card. The company has removed a couple of accounts that were fraud but still yet have not removed the others. I have not applied for any of the accounts that they say are mine and have tried to contact the person whom sent a letter stating to contact her about this matter. I have contacted the person who sent the letter who name is XXXX XXXX Senior Specialist of the corporate consumer relations. I have contacted her four times and left messages but non of my calls have been returned to resolve this matter.
Consumer complaint received 2019-04-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the US DEPT ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 23 and 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems (KY)

I've receive a call from this number twice now. I XXXX  the number and it was to the collection agency that I've already settled the debt with and has also been verified on my credit report. The issue is they ask for my name but they would not identify who they are associated with. They immediately call and ask for my name and if they are speaking me. But, both times I communicated I would like to know who they are and to identify the company they represent. Both times they shut down and this last call as soon as I asked they hung up on me.

Their means of communication is very suspect. Their means of handling debt claims is very unorthodox as well. I never received a notice in the mail or an explanation for the the dept or who turned in the debt that I allegedly owed. I just paid the XXXX  dollars to get it off my credit report and now they are hassling me again.

I do not desire reparation, I just want this addressed and to no be bothered by them anymore.
Consumer complaint received 2021-09-23
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (KY)

My Citi Card credit card was fraudulently used to purchase what appears to be XXXX XXXX flight tickets, a purchase with XXXX, a purchase to XXXX XXXX XXXX DEDUCTIBLE, and a monthly XXXX Plus charge without my consent. The XXXX appears to be made from someone in XXXX XXXX. It is apparent to me that some foreigner must have gained access to my card number and made these purchases, as I have never been to XXXX nor the XXXX XXXX. The XXXX XXXX   purchases even show names of XXXX/XXXX MR. and XXXX/XXXX MR . I have no clue who these people are! There are even what appears to be credits showing on XX/XX/18 and XX/XX/18 from XXXX XXXX. From my own investigating it appears whomever got my credit card number may have used that XXXX   site to make these purchases. Citi Card seems to think I made these purchases, and I did not! They still have not even stopped the monthly charge from occurring on my statement each month with XXXX XXXX as I am still seeing it each month on my credit card statement after I told them I did not authorize this. Citi Card advertises that cardholders are protected against unauthorized charges and we have a 0 % liability on unauthorized charges. This is false advertisement! It appears to me that Citi Card supports the scammers instead of the cardholders. Their fraud protection is too loose, apparently. I reported the unauthorized charges as soon as I found them. I answered all of the investigators questions honestly but they closed the investigation and are making me pay for purchases that I did not make. I did not make these charges nor did I authorize any of them, and I should not be held responsible for paying them. 
XX/XX/18 XXXX XXXX XXXX XXXX PA {$170.00} XX/XX/18 XXXX XXXX XXXX XXXX   {$190.00} XX/XX/18 XXXX XXXX   XXXX XXXX {$77.00} XX/XX/18 XXXX XXXX XXXX {$150.00} XX/XX/18 XXXX XXXX XXXX NY {$4.00} XX/XX/18 XXXX XXXX XXXX NY {$4.00} XX/XX/XXXX XXXX XXXX XXXX NY {$4.00}
Consumer complaint received 2019-04-17
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. (WI)

In XX/XX/2018 we canceled XXXX services. ( Had paid the monthly payment by autopay. ) upon canceling, we were informed that we must return equipment upon receipt of their postage paid box/label or we would get charged for equipment. We promptly and immediately complied and sent all items requested. We verified it was received by XXXX. 

Because we were also building a new home ; beginning XX/XX/2018, we applied for a construction loan from our financial institution and our credit scores were impeccable, as they always have been. My wifes and my own credit scores were, in fact lateral as we have been married 25 years and had the same accounts, etc. 

Because our construction loan is now matured and needs to be converted to a traditional mortgage, our financial institution indicated we could not get a good rate on a mortgage because my credit score took a nose dive! To my utter shock, I reached out to Equifax to inquire as to why the sudden drop. It was indicated I had an unpaid bill reported to them by XXXX  XXXX IN, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( phone XXXX ) in the amount of {$800.00}! 

First, we NEVER received notification of such amount due and second, we had no idea who this company was! After searching their name we learned they were a collection agency for XXXX! 

We immediately filed a complaint with Equifax and spoke to them numerous times to expedite our complaint and resolve the incorrect information so to put my credit score back to where it was prior to the scathing incorrect information. 

Unfortunately, every time we have spoke with them, there was a huge language barrier and after hours and hours on the phone, we asked where we were calling and learned it was the XXXX. We then asked to speak to someone in the USA and was obliged with the request. 

The credit bureau did indicate the item was deleted from the credit file, however it could take as long as 90 days to be reflected on my credit score!!! I begged that this be carried out sooner so I may get a traditional mortgage that should be afforded to me. I have worked all my life, paid all my bills, fought for my country, and have had an impeccable financial and personal reputation. 

I have explained that this is unacceptable and unjust. It was not a valid debt and further, this incorrect ding on my credit score is going to cost me many, many thousands of dollars due to the fact I can not obtain a traditional mortgage!!!! 

XXXX XXXX, XXXX and Equifax needs to compensate us for the grief, anxiety, and moreover the additional costs we will incur due to this total debacle. 

For your information, the Equifax Confirmation number of the completed complaint is XXXX.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

Once again you guys have not provided me with the name and number of the person who has verified the BK on my credit report. You have told me that the furnisher has verified the BK. However if the furnisher is the courts they have already informed me that they don't report the BK to any reporting credit agency. You guys don't even verify the BK because you pull it from a 3rd party and just slap it on my credit report. By doing this it is illegal and I will be reporting you to the FTC and filing a law suit if you don't remove this from my credit report. I will also report you to the Attorney General because you can't provide verification with my signature on it showing that I signed for that Bk. This is your last chance to get it removed before I go to the FTC and Attorney General about your Unlawful acts.
Consumer complaint received 2019-04-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MN)

On XX/XX/2019 I called XXXX XXXX twice - but talked to three different individuals. The first call was with a very nice agent, but she asked me many questions ( most of which I did not know the answers ) and she told me to guess on the answers. Well, it was not clear to me why she was asking me the questions and that it would impact the monthly payment amount. She put me on hold many times when I told her the amount that she stated would not work for my family situation ( my husband has been unemployed for 4 years and has been in the process of applying for XXXX ). What I now know only because I did my research online is that she was trying to figure out how to reduce the payment through some of their various programs. She told me at one point that I had reached the maximum forbearance time which I thought was interesting as that had never been communicated to me in any previous communication with them ( a time limit was never provided ). Once I spoke with my husband and got the correct amounts for the financial questions they were asking I called back. This individual gave me a lower monthly payment, but it was still not doable. I called again and asked to speak with a supervisor ... the person was very hesitant and I told her that I was concerned that I was not being presented with any detailed information. She put me on hold and said she thought she could help me with some options. All of a sudden I had a different person on the line - she told me her name, but not her title. I assumed she was a supervisor, but she didn't have any different knowledge, but just spoke more eloquently ... .in fact, the number the previous person had provided she said was far to low than what they ever approve and so she raised it back up. I had no clue what she was talking about ... the inconsistency is absolutely crazy ... and the lack of communication regarding options. I called my husband and by that point in time he had been on their website and found many options articulated, entered the information and the monthly payment went down even further than what the lowest one was ... again ... this is crazy. It feels like this was purposeful in that they don't want you to understand what your rights and options or what you may be available for ... .they just want your money ... which I get, but it's sad when I can work with other companies to collect their debts and they are understanding and provide information ... .this company is not transparent and dishonest in their practices.
Consumer complaint received 2019-04-17
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. (CA)

three accounts as student loans are reporting under my name on equifax credit reporting agency only. they are giving me a very hard time removing these inaccuracies, these account / loans i had never had, and never inquired, never went to school here. please help me with this i have been disputing these inaccuracies with equifax for more than a year, and no one has tried to help me at equifax. you are my last hope. 
please have these inaccurate accounts removed from my credit file thank you
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
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/XXXX
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (UT)

On XX/XX/XXXX, I accesses the Barclays website because my card was declined for a past due balance. I completely forgot to add the auto payment when I received my card. That one was on me. So I went online and added my bank info, made a payment, set up paperless billing and set up recurring payments. I thought my account was ready to go just like all my other accounts. I have a perfect credit report and I do not carry balances on my credit cards.

Fast forward 2 months to today ( XX/XX/XXXX ) and I tried to make another purchase on the card and I was told that it is declined. I call the bank and I am told that I have a large balance that is past due ( it was due XX/XX/XXXX ). I tell them there must be a mistake because I set up auto payments. They tell me I did not. I think there is a bank website error. 

The Escalation manager is unwilling to help me even though I told him that I am planning to pay the entire balance on the card today. He said that he can not provide a late fee waiver because one was  provided previously unless it was a bank error. I told him that I think it was a bank error, but he is unwilling to help me and unfairly accuses me of not setting up my account properly even though he can clearly see that I had accessed the site in XXXX and had performed all the actions stated above. 

I have had nothing but problems with this Bank from the day I signed up for this rewards credit card and it has been the worst customer service experience that I have ever had. I work for a very reputable bank and we would NEVER treat our customers this way.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Equifax credit reporting agency XXXX credit reporting agency and XXXX reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX in XXXX of XXXX for {$14000.00}, a personal loan account opened at XXXX XXXX XXXX  in on XXXX of XXXX for {$2500.00}, a credit account at XXXX  with a balance of {$87.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 
Inquiries found on XXXX, Equifax & 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

As a XXXX, I should qualify forXXXX Loan forgiveness My coworkers got the loans reduction, but I have been denied 3 times. My district administrator signs the paperwork and verifies my employment. I began XXXX in 2005 and have worked for the same district to date. 
One rep told me I could get it because I had a XXXX  XXXX- no where in their correspond does additional degeees deny the request. 
One rep stated if I entered dashes instead of hyphens it gets tossed out. 
One stated I have s consolidation and that denies my ability for loan forgiveness- yet there reps recommended consolidation to me when I was struggling to pay my bills Ive been trying to secure financing elsewhere and have struggled getting the necessary data to my new loan servicing agency. 
I am tried and frustrated of being lied to, misdirected and denied to conditions offered at the time of requesting the loan funds. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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