davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (UT)

My Equifax credit report is n't refreshing or updating even though my creditors are updating my payment information monthly. This has cause me to have a low credit score as the last time that Equifax updated my information was in  XXXX . My Equifax report number  XXXX  shows accounts as not paid that have been paid in full. It shows collections that have been sent for deletion by the creditor. I have contacted my creditors and they have all stated that they have sent the deletions through to the bureaus and have update account information such as payment history and balances as well, all other bureaus have updated the information but Equifax continues to report bad information and inaccurate information. I have contacted Equifax a tota l of 36 times wit h each time they assure me that the information will be updated and to this day it still has not. Today i called and the representative stated that if i had an issue i should call  XXXX  a number that referred me to a credit counseling agency, obviously not what i need. I need my information to accurately reflect what the creditors are reporting and for my information to be fresh not as of 6 months ago.
Consumer complaint received 2019-12-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CA)

2 months ago, i received a sealed gift card from my customer for my daughters birthday. I kept the card for XXXX shopping and i took it out today. However, it didnt allow me to use it, so i called the number on the backside. The customer service agent said someone already registered card. Since i just opened this card, so i never registered. Even the person who registered didnt match my name, my wife name, even my daughters name. I tried to solve this problem and asked what i can do, the customer service agent answered me to send the copy of card and the original receipt from purchase gift card. Gift card is gift card that i cant get the original receipt. She refused to answer any question since the information does not match. I tried to solve the problem any way, and kept asking, but nothing could be solved.
Consumer complaint received 2019-07-31
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)

I have made numerous disputes through Equifax regarding the incorrect reporting by XXXX XXXX XXXX. Equifax is aware that my identity was stolen, likely due to several data breaches that my profile was part of. XXXX XXXX XXXX did not allow me to take the proper steps to dispute the fraudulent charges due identity theft and I was unaware, due to XXXX XXXX XXXX sending documents to me through the incorrect mailing address and telephone number. XXXX XXXX XXXX was sending documents to me, to an old mailing address that I had five years ago, which I had reported to the CFPB. In my last complaint/dispute that explained this to Equifax, they did not do a proper investigation because if they had, they would have found out that XXXX  XXXX XXXX was sending documents to an old address, in which they should have had my new address because I updated it, over a year ago. XXXX XXXX XXXX did not send me documents until late XXXX to my current address, in which they retrieved from Equifax during my dispute. Still to date, XXXX  XXXX XXXX has not responded to my last dispute/complaint, which was on XX/XX/2019, through the CFPB. It's been over 40 days and within the time of that dispute, XXXX XXXX XXXX sold my account to a creditor named XXXX XXXX XXXX, as told to me by a XXXX XXXX XXXX representative, after I told them that they had not responded to my last dispute/complaint through the CFPB onXX/XX/2019. In less than a month, on XX/XX/2019, XXXX XXXX XXXX had sold my account to the name above credit agency without handling my case of fraud and stolen identity. I would like for Equifax to remove XXXX XXXX XXXX from my credit report and the charges are fraudulent due to my identity being stolen and because XXXX XXXX XXXX has not responded to my dispute with the CFPB that was placed on XX/XX/2019 ( over 40 days ) and XXXX XXXX XXXX sold the account to a collection agency, as told to me by a XXXX XXXX XXXX representative. XXXX XXXX XXXX was made aware of my identity being stolen and fraudulent charges and they still left my complaint without a notification or response from XX/XX/2019 and sold the account. I would like for Equifax to remove XXXX  XXXX XXXX from my credit report.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

On XX/XX/year> I contacted XXXX XXXX, Experian, and XXXX letting them know that I wished to opt out of reporting the accounts below on my credit report per 15 USC 6802b, 16 CFR 313.7a, 12 CFR 1016.7a ( 1 ) ( 2 ). As of today, no one has responded to me in writing. This was a formal NOTICE that the consumer, requires all 3 bureaus to cease the reporting of certain accounts on the Consumers report. This NOTICE directly requires all 3 bureaus to provide proof, the consumer was provided/presented and signed/authorized the required disclosures, which explains consumers right to OPT OUT, per my rights under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am not liable for this debt with XXXX. I do not have a contract with the collection agency XXXX XXXX XXXX XXXX XXXX - they did not provide me with the original contract as requested
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (FL)

I filled a dispute with XXXX  for unauthorized charges for account in collection from contract callers inc. This account was related to ID theft and should be deleted from my credit report. 

Date opened : XX/XX/2018 Amount owed : {$1400.00}
Consumer complaint received 2019-07-30
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. (NY)

The items listed below do not belong to me and must be immediately removed from my credit report. 

1 ) New York XXXX XXXX. of XXXX XXXX Opened XX/XX/XXXX with {$0.00} Balance 2 ) XXXX XXXX XXXX Opened : XX/XX/XXXX with {$11000.00} Balance These accounts are reporting in error. I have filed a complaint with local authorities and the FTC. If they are not removed, I will file a civil suit against the credit bureaus for falsely reporting information.
Consumer complaint received 2024-08-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (MN)

All of my loans reappeared on my credit report. I should have a maximum of XXXX tradelines, XXXX reporting at a XXXX balance. I now have XXXX, with XXXX reporting at a XXXX balance. This made my current loan balances on my credit report go up by over $ XXXX In the attached image, you can see the XXXX new tradelines at the top marked as MOHELA/DEPT OF XXXX and the XXXX ones beneath it just marked as MOHELA This was only on this month 's cycle and it needs to be remediated.
Consumer complaint received 2019-01-29
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: GOLD KEY CREDIT, INC. (NY)

inquiries : XXXX -date FRAUDULENT ACCOUNTS ; XXXX XXXX XXXX -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #? 
-GOLD KEY CREDIT INC -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- XXXX  ( ORIGINAL CREDITOR IS XXXX ) AMOUNT {$850.00} -ACCOUNT #?
Consumer complaint received 2019-07-30
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: EQUIFAX, INC. (FL)

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$620.00} XXXX  XX/XX/year>
Consumer complaint received 2024-08-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (GA)

I have been receiving notifications stating I owe a balance that was covered by XXXX and the gap insurance provided by the dealership. However I am being contacted non stop and experiencing a decrease in my credit despite the balance being resolved. I purchased the car in XXXX and before US Auto Sales closed down for good I was informed my balance was resolved. Please help, thank you.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

On XXXX, Chase suddenly close all my credit cards because I spend over 10k on XXXX XXXX day using my XXXX XXXX signature card. I never have a late payment and my credit score never below XXXX. I called the number on the card. The representative told me they already made the decision and will not take any reconsideration. That's unfair to the customer and bring a lot of trouble to me.
Consumer complaint received 2019-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I continue to be denied Public Service Loan Forgiveness by MyFedLoan. I cant get a clear answer, but when I recently reapplied I was denied again. I called and was told it was due to {$10.00} discrepancy they found from years ago, but can not provide proof. I should wholeheartedly qualify. Please help. I worked in public service XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2019-07-30
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 am filing this complaint because XXXX  and Equifax did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts, CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2019-07-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

Somebody name XXXX and XXXX somehow hacked into my XXXX XXXX to where when i got paid from my job through direct deposit, the money went straight to their card which was never linked to my account. XXXX XXXX then stopped the transaction for security purposes because they hacked into my account somehow and tried to change my information to theirs. Now XXXX XXXX has closed my account and said the only way i can get money off is to link a debit card. But when i do they reject the debit card and i still cant get my money off my XXXX XXXX account which i really need. And they have continued to try and hack my account! I know theres something that can done in order to get my money that Ive worked for!
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

Bank sent unauthorized transfer check to another bank, even though that recurring transfer and payee was cancelled one month prior. Check was never cashed, but Wells Fargo refuses to return XXXX that they wrongfully took from my account.
Consumer complaint received 2017-06-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I purchased a  XX/XX/XXXX   XXXX   XXXX   with my brother ( co-applicant ) through  XXXX  in  XXXX . We traded the   XXXX   XXXX   in for  XXXX    XXXX   XXXX   on  XX/XX/XXXX  in My name only this time.That being said the  XXXX   XXXX  was paid off through  XXXX  and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new car (  XXXX   XXXX  )  XXXX  Initially there wer e two 30 day lates, one re ported on  XX/XX/XXXX  and the other in  XX/XX/XXXX . I was advised to dispute it by  XXXX  because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed  one  30 day late which was the  XXXX   XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  XXXX  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XX/XX/XXXX  so how can we have a 30 day late on our credit report for  XX/XX/XXXX  &  XX/XX/XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the  XX/XX/XXXX  late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither  XXXX  or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what  XXXX  's response was or I really feel like they are n't even investigating the matter.
Consumer complaint received 2019-07-30
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. (GA)

I submitted a dispute for two small medical collections from XX/XX/XXXX. They are duplicates so only one account should be reporting. Further, insurance paid the bill so it should not have gone to collection. Originally it showed up as two collections for XXXX dollars and showed paid and closed in XX/XX/XXXX. After dispute it now still shows as two collections for the same amount but makes it appear that they were just paid and closed on XX/XX/XXXX. When I call to discuss with equifax they tell me that my security answers do not match my profile so they can not discuss my report with me. I was reading the answers to their questions about my active accounts directly from a current Equifax credit report so not sure how it was not matching. So they not only botched the task of removing the collection, which the other two bureaus did in less than a week, but now they are giving me the run around by telling me they cant discuss their error with me over the phone and I have to mail in my information and drivers license to them. How could my information not match what is on my Equifax credit report? I am trying to purchase a home and those collections are the only blemish on my credit. By making them look like they are from a week ago it dropped my score 10 points. I need this resolved ASAP. At the very least remove the duplicate and put the date in the other back to closed in XX/XX/XXXX.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I know I don't deserve this erroneous information credit bureuas are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how they fix my credit report, very slow! It is beyond the 30 day allowed by the FCRA but they haven't fix it yet. The accounts don't reflect their true accurate status.. The accounts were paid as agreed on time. CFPB step up and fix XXXX XXXX XXXX  XXXX XXXX, delete also the duplicate entry on this account
Consumer complaint received 2021-06-19
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: EQUIFAX, INC. (MN)

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 2017-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (KY)

When i moved out of my apartment at XXXX XXXX XXXX XXXX ky XXXX on XX/XX/2015 i called and had my XXXX XXXX XXXX set up to be disconnected but then on XX/XX/2015 when i tryed to move in a new apartment i couldnt put XXXX XXXX XXXX in my name cause i found out XXXX XXXX XXXX never turned the electric off and called and told them and they said all they could do was go shut off so no more money builds up they said they couldnt do anything about it cause the apartment complex told them i was living there still
Consumer complaint received 2019-07-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

Summary : U.S. Bank refuses to transfer the appraisal ( which I paid for ) on my home to XXXX, forcing me to purchase another home appraisal to work with XXXX. 

Other institutions have the practice of transferring your appraisal, but because U.S. Bank refuses to do so due to company policy. Their company policy on home appraisal transfers is anti-consumer. 

XX/XX/2019 I applied for a mortgage with U.S. Bank to refinance my home and receive an offer. 

XX/XX/2019 I take time off work to be home for House Appraiser appointment. 

XX/XX/2019 I receive the PDF summary of my home appraisalXX/XX/2019 I get a better offer for a mortgage from Loan Depot and confirm that they can use my home appraisal, provided that U.S. Bank transfers the appraisal to them. 

XX/XX/2019 I cancel the mortgage offer with U.S. Bank and am charged about {$930.00} in fees ( which include the cost of the appraisal ) XX/XX/2019 I try to get U.S. Bank to transfer my home appraisal to XXXX but they state that they do not transfer appraisals due to company policy.
Consumer complaint received 2019-07-20
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: EQUIFAX, INC. (MD)

I do no recognize to following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity.
Consumer complaint received 2019-07-30
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 requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX   XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),