davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
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. (GA)

XXXX aka XXXX XXXX was a secured credit card account opened by me in 2016 and was paid regularly until unforeseen medical events caused me financial hardship. My balance is {$120.00} and that should have been deducted from the cash deposit I had placed with them and the remaining {$79.00} should have been refunded back to me when the account was closed. Instead XXXX XXXX has ruined my credit intentionally by reporting that balance of {$120.00} to the credit bureaus as having 18 charge off 's with XXXX as one example and of which I am attaching a print out of my most recent credit report with them. I have contacted them and have requested that it be verified but they have not sent me any information on this account. A search with the XXXX lists them as not responding to requests and many have had the same problems with them. As a result the XXXX does not rate them and has had many complaints filed against them.
Consumer complaint received 2020-11-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX Is reporting that I owe {$280.00} acc # XXXX and {$490.00} acc # XXXX The accounts show that the account was opened XX/XX/XXXX, and the other XX/XX/XXXX which is incorrect, It was requested that proof and validity of debt was provided, and sufficient evidence was not provided
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-11-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (MA)

I've seen no changes for the accounts that I have filed last month. I still see multiple 120-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have advised Eqiufax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. I have never paid the XXXX/XXXX   account late, I have never paid the XXXX/XXXX account late, I have never paid the DEPTEDXXXX account late. The XXXX XXXX account does not belong to me, the XXXX XXXX  account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the US DEPT ED account does not belong to me, the XXXX XXXX XXXX XXXX account does not belong to me, the XXXX XXXX account does not belong to me. Equifax has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.
Consumer complaint received 2020-12-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FactorTrust, Inc. (MN)

The fax number to reach XXXX either directly or though Factor Trust ( a wholly owned subsidiary of XXXX  ) is no longer working. 

I called and was unable to get through to a live rep at XXXX however I have spoken to a representative at Factor Trust and they state the no longer accept information by fax as it states on their submission page here : https : //www.factortrust.com/Consumer/ReportRequest.aspx They have stated that the only way to provide documentation now is by mail. 

I'm a member of a large consumer advocacy group and we are seeing 100 's of complaints by consumers whose letters and disputes to the bureaus are going unanswered. 

Faxing a letter is the best way to hold the bureaus accountable next to mailing the letter certified mail which costs upwards of {$5.00} that many of us don't have to squander. 

The Credit Bureaus should be required to maintain all viable means of communication. 

And when nearly a quarter of the population does not have access to reliable internet, fax is the only reliable means to send information quickly with proof of confirmation.
Consumer complaint received 2020-12-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc. (KY)

I made an online purchase with XXXX and immediately cancelled it. I paid with QuadPay. They did refund the initial payment then debited {$1.00} from my account. There isnt supposed to be any fees if the purchase is canceled or refunded. They do not provide a phone number to contact. They have online chat only and will not respond.
Consumer complaint received 2020-11-11
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPENT THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-11-11
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: Experian Information Solutions Inc. (CT)

I applied for a XXXX credit card and was automatically routed to Experian. I took the option of temporarily " unfreezing '' my report and received a ten-digit pin number with no instructions or options as to what to do with it. Attempts to contact Experian by internet or by the telephone number they give, XXXX, which, obviously does not exist, or by another number, XXXX, always end in being required to mail in a batch of documents, including photocopies of driver 's license. This requirement is obviously a " XXXX XXXX. Have a Nice Day. '' ploy, If I actually followed through - is anyone XXXX enough to actually try? - it would no doubt give them all a good laugh.
Consumer complaint received 2017-09-08
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: Experian Information Solutions Inc. (IA)

I used Experian 's shady site to see if I 'm affected by their massive data breach. It seems that I am. I want to complain about the fact that it happened and that the service they 're using, if it 's even legitimate, seems to just be a way to con people into waiving their right to participate in a class-action lawsuit. 
The entire thing is ridiculous.
Consumer complaint received 2020-11-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CO)

I received a text from XXXX XXXX XXXX # XXXX ( which he did not provide and I had to look up ) XXXX XXXX 2020. XXXX informed me I likely could refinance to help me in these very troubled times. I agreed that I would take any help I could get. he said he would pull my credit and look at options and call me as soon as he had an answer. He pulled a hard credit report and I never heard from him again. I sent a follow up text asking what he found out with no response. XXXX weeks later he said there is no excuse for him not contacting me, but provided no information on my qualification status or if anything could be done. 

It is clear I did not qualify and he could not sell me anything, so he had no reason to contact me. this is incredibly unprofessional. Certainly after I informed him of all my financial status prior to him pulling my credit. You are required by law to speak with any customer you pull a report from. thanks to XXXX and Loan Depot I now have another hard pull on my credit for absolutely no reason. 

this is no way to treat any customer, certainly not a XXXX veteran on none other than XXXX XXXX.
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc. (IN)

I have contacted the company. XXXX and spoke to them. This is over equipment charges. I have cleared this off 2 of the 3 bureaus, but IC collections keeps putting it back on my report when I get it off. This debt didn't start in XX/XX/2020, that just when it was readded to my report. I do not owe XXXX and I do not owe IC Systems. I have no collections on any of my reports but this one. And I have disputed this many times and XXXX  keeps allowing them to re add it to my report. Just disputed it and XXXX  sided with IC Systems. I have had this removed many times off my report and XXXX  keeps letting them re add it. I do not owe XXXX it has been cleared up long time ago and this collection company needs to leave me alone about it and stop messing my credit score up.
Consumer complaint received 2020-11-11
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. (FL)

I filed the following CFPB complaint with the three credit bureaus on XX/XX/XXXX : " I had an account with Santander ( Acct. XXXX ). In XXXX I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of XXXX and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own. '' Continued : XXXX then removed the delinquency from XX/XX/XXXX through XX/XX/XXXX and then PUT THE SAME DELINQUENCY from XX/XX/XXXX through XXXX of XXXX. This is a willful violation of my rights under the FCRA. 

I have provided a copy of my file as it appeared in XXXX of XXXX. It clearly shows the delinquency ( that was in error ) in XXXX. I have circled the delinquency. I have followed this with copies of my XXXX Equifax showing the delinquency in XXXX ( also from XXXX ). NOTE IT SHOWS NO DELINQUENCY IN XXXX. 

I then provided a copy of my XXXX  file from this month showing the delinquency gone in XXXX but now added to XXXX where it never existed before. 

THIS IS HURTING MY CREDIT SCORE. This willful violation of federal law is punishable by punitive damages in a court of law.
Consumer complaint received 2020-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon being XXXX and ordered to shelter in place due to the XXXX  XXXX, I was unable to make a payment on time. I was forced to miss a payment. When I contacted XXXX XXXX customer service, I was told that they were unable to delete the recent 30 day late payment that had been reported for XXXX, 2020. I was recently told by a customer service representative that XXXX XXXX is unable to delay payments or offer any relief packages due to the corona virus outbreak.
Consumer complaint received 2020-11-11
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. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPEN A XXXX  XXXX CREDIT CARD IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & XXXX  XXXX ; XXXX On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I am writing to complain about the extremely inconvenient and possibly willfully deceptive nature of deferred interest promotional balance repayments on the Lowes/Synchrony Bank credit card. 

I made a 12-month deferred interest promotional purchase on XX/XX/XXXX and expected, like with other payment systems, that my monthly statement would reflect my regular purchases plus the minimum monthly repayment amount on the promotional balance. This is not the case. My XXXX statement balance includes regular purchases plus the entire promotional balance, and Im left to manually calculate, each month, for twelve months, my actual statement balance less the promotional balance, plus the promotional balance divided by the promotional period. 

This is absurdly inconvenient and Im adamant that tens of thousands of Lowes customers with deferred interest promotional balances are not taking the time to do this, and are thereby either unnecessarily repaying deferred interest promotional balances early, or incurring fines for errors in their monthly manual repayment calculations.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I tried to dispute an account on my credit report with the three credit bureaus. XXXX XXXX /XXXX. The account has been included in my bankruptcy. I want it added on as it should be there. I already sent letters to all the credit bureaus on XX/XX/XXXX and I still have not received any paperwork. 

Please have them send me something saying they've fixed this and placed it in a bankruptcy status.
Consumer complaint received 2020-08-04
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: WELLS FARGO & COMPANY (MN)

I had lost my job in 2015 and had picked up two more jobs to help pay for living expenses and the mortgage on my families home. They didnt pay enough and I had to dip into my savings until it was close to running out and I had reached out to Wells Fargo to let them know what my financial situation was like and that I was still looking for openings in my career with no luck while still working other jobs. They put me on a plan where I pay less but they counted it as missed payments. I was being proactive and worked hard and eventually payed off the amount they continued to add that I didnt pay them. And then was able to keep up with payments the following year until we finally sold the home. I feel that the hits to my XXXX  score dont reflect what the situation was and doesnt reflect me and my financial responsibility. I would like to have my XXXX score increased and not show the derogatory remarks given the circumstance. Which will hinder me for another three more years. For losing my job. I feel that I am as responsible as they come and proactive as they come and my XXXX score is not really giving lenders a true picture of my ability to pay them.
Consumer complaint received 2020-08-04
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. (NV)

I have disputed a XXXX XXXX XXXX  account with all three credit report agencies. I keep telling them that the account is negatively affecting my credit and should be removed from my credit report because it is over 7 years old. The amount of time that a negative items remains on your credit report is 7 years but they just verified with XXXX XXXX XXXX that the account is valid then closes out the dispute. When what should do is look at the date on the account to see if it should be cleared from my credit report due to age not validity of the account. It needs to be removed because it was charged off over 7 years ago.
Consumer complaint received 2020-11-11
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. (SC)

Ive reached out to this company several of times in regards to unauthorized inquiries on my credit report, in which Ive reached out to the creditors and have been told that they dont have any records of me in their systems and to reach out to the reporting bureau. Transunion has been a headache and causing great pain in resolving this issue. Ive reached out to XXXX  and XXXX  about these same inquiries and they disputed/removed the unauthorized inquiries. Im not understanding why Ive been through so much pain  and stress with Transunion to do the same. Ive been told by several of representatives to file a false police report, which is a crime in my state and Ive expressed this with them. I need these items to be removed, otherwise I will seek further legal actions and will be reaching out to local media.
Consumer complaint received 2020-11-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC (IN)

In the spring of XXXX I had a scholarship called XXXX XXXX XXXX. This scholarship paid for my college tuition and classes. However, I was granted a medical withdrawl from the semester by the administration due to an injury and multiple deaths in my family. Several months later, I was notified by the college ( XXXX XXXX  University, IN ) that they had turned my account over to a collection agency. I was unaware that I even owed anything to the college. After talking with the college, they said the scholarship wouldn't pay for the classes that semester since I had withdrew. They said because I didn't withdrawl before the refund deadline I still owed the money for those classes. This is incorrect. Medical withdrawls are exempt from this deadline, or at least that is what I was told by the administration before my withdrawl was approved. I didn't just drop classes, I had to go to specific administration personel and show medical documents to get approved for this medical withdrawl. I attempted to explain this to the bursars office at the college, and again to the collection agency but nothing changed and I am still being told I owe a " loan amount '' of {$2200.00} even though I never took out a loan in the first place. The collection agency is Security Credit System, and they keep telling me I owe this debt even though I have explained the situation multiple times. This is an issue because they are reporting this to credit bureaus. The collection agency did this once before a couple years ago and I contacted creditrepair.com and they were able to take it off my credit report. Security Credit System just reported this collections account to a credit bureau again after it was already taken off once. This was done on XX/XX/XXXX.
Consumer complaint received 2020-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My personal information, birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I went to XXXX XXXX to get a credit card, and I discovered that my personal information had been used by someone else. I never authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or another benefit as the result of the events described in this report. I filed a police report with XXXX XXXX Police and its ongoing investigation, no perpetrators have been found. Please delete the following accounts that are a result of identity theft. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX