davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (GA)

I have been trying for months to get this company to close accounts they have with my name that is not mine. When I think these accounts have been closed a few months i get collection notice. This has been very very frustrating and time consuming. I received a notice today, 1 ) I called the collection agency on the notice Stoneleigh, I spoke with XXXX XXXX that said they had XXXX accounts in their system, XXXX for {$73.00} that have been CLOSED, XXXX for {$220.00} ( amount on the notice ) still opened. 
2 ) Then I called XXXX XXXX XXXX XXXX ( the company that placed the account with Stoneleigh ), spoke with XXXX XXXX ext XXXX. She claimed there were XXXX accounts in my name but she shows XXXX opened ; XXXX for {$530.00} and XXXX {$220.00}. I told her that these accounts should have been closed. she insisted they are still owed to XXXX XXXX. I asked her for XXXX XXXX number and she said that she does not have a number. She then gave me a number, when I asked her for the extension she said that she googled it and did not have an extension or contact person. This was the same number I called a few months ago which said that I did not owe them. I called the number after being transferred about 5x, being on the phone about 1 1/2 hours I hang up and called XXXX XXXX again. This time XXXX XXXX then claimed I had another account for {$1800.00}. When i told her this had been resolved and I had a letter from THEIR account showing this has been closed, she then transferred me to a XXXX XXXX ext XXXX. XXXX XXXX, then claimed I had XXXX accounts still OPENED, XXXX for {$1800.00} ( which I had the letter showing this has been closed ) XXXX for {$530.00}, XXXX for {$220.00} & XXXX for XXXX. I told her that all these were closed and I need a letter to get these resolved. she claimed she did not have the letter from the attorney. I told her that I needed this resolved to please hold the line 2 mins let me send her a fax so that I ensure they receive the fax, she said that she do not want to hold that i should call back to see if they receive the fax. I attached this letter to this complaint. This has been going on for over 7 years, everytime i think these are resolved years/months after I get collection notices. This is very BAD practice trying to collect debts that is not owed. They are very unprofessional and do not try to understand or hear what one is saying. See above how many times the stories changed, they are trying to collect money that is not owed and this is very BAD. This is taking alot of my time. This will also be reported to Georgia State Attorney & Federal trade commission. This is the 3rd complaints that I have filed for this same situation with this company XXXX XXXX XXXX XXXX XXXX. The previous Case number : XXXX & XXXX. I demand that your company permanently and forever closed this matter and confirm in writing that the above matter has been immediately terminated.
Consumer complaint received 2016-02-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TN)

Someone has used my identity to open multiple credit accounts and order goods. I have received XXXX new credit cards in the mail in 2 days time. I filed a fraud alert with Equifax before I knew how many accounts had been opened. I attempted to obtain my free online reports from the XXXX agencies and my request was denied by all. I have no idea how many other accounts may have been fraudulently opened in my name or how many purchases have occurred.
Consumer complaint received 2023-10-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (OK)

Was under a XXXX month no interest if paid before the end of the period. From the start I would see accual interest charges being applied to the amount due. I made payment before XXXX XXXX statement was ever billed and assumed that since making payment over the min. due that it was going to cancel out the bill due. It did not, I phoned companey and was told I had to call in each time a extra payment was being made. I did not find this in any documents. Also, I was charged a XXXX USD membership fee at the start. This fee automatucly could set a persons account near the offered limit. I was unaware of the fee and asked to see my acknowledgement of it with a signature, none was ever given to me. The statements are very confusing to understand. Its clear that Fortiva will attach fees etc to make a person have to keep paying over the promo period to collect interest. Tried contacting customer service many times. They have a call center in XXXX XXXX and its very difficult for them to understand. My accoutn was almost paid in full but dealing with them and their tactics it extended me over the XXXX month period and the hundreds of dollars already paid was a waste. My account almost tripled and was XXXX more than original cost of product. I sent by certified USPS a letter explaining the issue in detail. Also asking for all documents proving the amount owed and in other documents to vailidate their charges and fees. It was signed and picked up. No response was ever received as of date. ( XXXX later ) I also ask them to cease contacting me other than by mail and they continue to email and text phone. In my account which I no longer have access to also ask to have all cell phone commication to stop. Even after letter sent they are continueing to mark credit report.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NJ)

My family and I were victims of identity theft in XX/XX/XXXX. Someone filed a fake tax return utilizing my wife 's and my social security numbers. I then added my son to my Equifax credit monitoring account and my wife opened a separate credit monitoring account with my daughter with another credit monitoring service. In XXXX XXXX, I received XXXX credit monitoring alerts for my XXXX-year old son. When I went into my Equifax account to find out what the Alerts meant. Equifax denied me access. They requested additional information from me proving that I am who I am and that I am the father of my son, this despite my having had an account with Equifax for over ten years. After more than 30 telephone calls and 15 to 20 emails, they continue to prevent me from finding out what is behind the alerts and if someone is illegally using my son 's identity. They seem to be completely incompetent. At one time, they told me that my son was XXXX years old so I could not have access to his credit alerts. My son was born in XX/XX/XXXX, He is XXXX years old. Then they told me on numerous occasions that they did not receive the documentation they requested. I then sent them copies of the XXXX Postal Service tracking receipt. They then investigated the matter for three weeks and then said that the problem is that my son is " almost '' XXXX and so they can not provide me with his alert information. I then tried to add him as an adult to my account and was again denied because he is not XXXX years old. I then contacted Equifax again, and they told me that I have to open his account after he becomes XXXX in XX/XX/XXXX. I then asked Equifax again to provide me access to his credit monitoring alerts. Again, they denied me access to this vital information. I am trying to protect my son 's identity but Equifax is denying me the ability to protect my son 's identity. There must be something illegal with this. How could they prevent a parent from protecting their own child?!?! PLEASE HELP ME PROTECT MY SON, PLEASE. All I want to do is to protect my son 's identity. I have no way of knowing if someone is doing something illegal with my son 's identity. Please help me get my son 's credit monitoring alerts from Equifax, please. There must be something illegal with what Equifax is doing by preventing me from protecting my son. Please help me protect my son, please.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NE)

Account has been closed since 2009. All of a sudden it reported a payment! I conacted Equifax and filed a complaint. They responded that the account was showing XXXX balance and closed the dispute. I filed again and told them I need the dates fixed, not the balance, as it caused a XXXX point drop in my rating. They have just closed it again, confirming that it is a zero balance after I clearly told them I need the dates fixed. Notice on the attachment that it is reporting a payment, that I did n't make, in XXXX of this year, and that the Account was closed in 2009.
Consumer complaint received 2016-12-04
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (NJ)

I purchased to 'Simon 5 % back ' Giftcards, with a balance of XXXX on each card. The card has a promotion that if it is used at certain merchants, 5 % of the purchase will be refunded to the card. I made a large purchase at XXXX for approximately XXXX, using my XXXX cards. XXXX is one of the merchants included in the promo. So 5 % was refunded to both cards. I subsequently returned the merchandise to XXXX and they credited the funds back to the cards. At this point Blackhawk Network ( BHN ) blocked my cards. It is very difficult to deal with them. It took a week for them to even do anything. They asked for receipts of the refund, which I promptly provided. I called back and asked why is the card still blocked and was told that they want proof that the promo funds were added to the card. I have no such proof or way of providing that. THEY KNOW it was added to the card and THEY BLOCKED me from seeing the card activity. So basically they are insisting that I provide information that ( 1 ) they already have ; and ( 2 ) they are withholding from me. Now we are talking about {$1000.00}. I ca n't afford to play games with this shady company.
Consumer complaint received 2017-03-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (IA)

Synchrony Bank. I got a credit card for XXXX XXXX, for a mattress, and I got a card for rings at XXXX. Synchrony set the minimum payment for mattress at {$25.00} per month. I paid diligently on BOTH in excess of minimum and well before deadline. 
Still, Synchrony 's shell game is to tell various lies in order to build in permanently their BOGUS LATE FEES. They are intractable. 
I ca n't remedy their scam, and would end up paying thousands! I need fraud prevention help. I stopped paying until settled. 
Please intervene! Thanks!
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

XXXX IS REPORTING XXXX XXXX XXXX PLEASE NOTE IM A MEDICAID PAITENT IN NYS UNDER NYS LAW THE PROVIDER CANT BILL ME ONCE THEY HAVE TAKEN MEDICAID IF I DONT GET THIS REMOVED ASAP I WILL BE SUING
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

Equifax suppose to have investigated a Tax lien that is showing up on my credit report for {$1100.00} which is incorrect yet they are saying it is reporting accurately. Tax Lien Reference # XXXX. Please be advised that this is my SECOND WRITTEN REQUEST asking Equifax to remove the unverified account listed below that remain on my credit report in violation of 15 U.S.C. 1681. They are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the correct name of that individual, their business address, and telephone number because the number you provided was n't correct. 
XXXX Law Dictionary, XXXX Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (FL)

I am getting XXXX or more phone calls from Walmart Credit Department from an automated machine. My account gets paid the first of each month. They never send me any emails about delinquency. Sometimes there is a message on voicemail but phone number comes up unknown. On Monday, XXXX XXXX, 2015 I got another call at XXXX. They left a call back number this time XXXX. They gave me a live person to speak with after giving her my SSN and name. I told them to stop calling. I pay my account on the first business day of each month. They kept asking me personal questions and I said stop. If you have my phone number and account info in front of you why are you asking. They ignored what I said. I want these calls to stop. They kept asking for my personal information like address and email address.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial wellbeing by still reporting an open balance which is affecting any ability to acquire financing
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Someone by the name ( " XXXX XXXX '' dob " XXXX XXXX '' ) has been using my social security number since XX/XX/XXXX that i am able to see. I tried opening a XXXX XXXX bank account in XXXX XXXX and had to go through a lot of hassle while they protected " XXXX XXXX '' that already had a active XXXX XXXX account. I was treated like the suspect instead of the victim. I do n't know what else XXXX XXXX has used my social security number for but I would like to get EVERYTHING closed and for him to be held accountable for YEARS and YEARS of FAULTY using my personal information. My name is XXXX XXXX XXXX dob XXXX XXXX XXXX. MY PHONE NUMBER IS ( XXXX ) XXXX please give me a call if you have any questions or information
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I think that it is wrong/illegal for Equifax to list the same negative information on my report twice ; once as a public record ( bankruptcy ), and then again under negative accounts. Also, are they allowed to only report my credit history after my recent bankruptcy, as if I do n't have any other credit history, I have over 30 years of credit history, this affects the number of positive accounts that I have.
Consumer complaint received 2023-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION (KY)

XXXX XXXX with XXXXXXXX XXXX deposited a {$850.00}, which I was under the understanding this was a loan if {$800.00} with a finance charge of {$58.00}, so with me applying for a loan and in need of funds, I withdrew {$500.00} from my Truist Checking account! 

XXXX XXXX returned the {$850.00} check from my Truist Checking account, with no explanation to me, thus putting my Truist Checking account in the negative of - {$550.00}. 

Centralized Fraud Operations Truist Enterprise Fraud Management sent me correspondence on XXXX stating the check that was deposited in my account on XXXX was returned due to the check being Altered/Fictitious Item. 
Why would Truist Bank allow this to happen to one of their customers? ( Case No : XXXX ) I would expect either a refund in the amount of {$850.00} from Truist Bank for allowing this to happen to a customer, or XXXX XXXX for depositing an Altered/ Fictitious Item in my Truist Checking account! 

Thank you very respectfully, XXXX XXXX XXXX
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (PA)

My wife and I bought our home XX/XX/XXXX at which time we paid {$170000.00} and it was appraised at {$220000.00}. With the equity in the home we knew we should be very close if not past the point to be able to have our PMI removed from the mortgage once we made our XXXX payment this past XXXX XXXX. I contacted the bank to get the process started and they denied me by stating that I would have to provide proof of substantial improvements in order to be considered before having made 2 years of payments. I submitted to them work orders and receipts of installing a brand new heat pump system into our home. The house previously only had base board electric heaters and central air. This new system comprised of removing the old A/C system and placing a new air handler and duct work that ran through the basement in order to maximize efficiency and has since decreased our annual electric usage by about XXXX % and saved us almost $ XXXX/year in electric. We spent near {$19000.00} for this system and I understand all that would n't equate into new value for the home but it would have to add some value and make it more attractive if we were to ever sell. We have also added a new door to the basement which was n't there, we have replaced 27 year old wooden windows with upgraded XXXX triple pane windows as well as many other various small improvements. The bank denied me submission stating there was no sufficient work done. I immediately appealed and told them I would take my business elsewhere and they quickly accepted my appeal for a re appraisal. I sent them a check for {$450.00} as requested to pay for an appraisal. The gentleman who came to our home was rude and made a joke of our home whenever I talked about things we had done. He acted like our brand new heat pump was junk and made fun of us for it. His appraisal came back at {$190000.00}. I immediately appealed the appraisal and stated to them since we bought our home the local property values have gone up and our county 's XXXX has changed from 1.26 to 1.29. Plus the major improvement of installing the heat pump it is n't logical for the value to go down, especially not by {$31000.00}!! I attached my original appraisal which has the sale comparisons and they returned my appeal and said it was n't valid because I did n't specify what updates have been done to be considered, which I have said 5 times through this process with them. Somebody has committed fraud against us, either the original appraiser in order to help the bank close on the property or the XXXX appraiser in order to make sure I ca n't get the PMI removed.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have a case with you is XXXX I receveid a letter from nation star saying tht I was missing documents when I had printed out from there site that all paper work was recived so what are they doing playing with my feelings all I ask is for me to keep my home iam XXXX XXXX XXXX and all I want is to lower my mortgage payment that there going to raise in XXXX to XXXX wich I can not afford due to the fact that I I lost my wife along are the papers that they send and the papers that I printed out from there web site that everything was completed please help me Sincerely XXXX XXXX
Consumer complaint received 2015-11-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (GA)

I live in Georgia and understand I am entitled to XXXX free reports from each credit reporting agency per year but have only requested XXXX from each agency this year. I tried requesting my free credit report from Equifax online at XXXX on XXXX/XXXX/15 and apparently answered some random questions about past accounts incorrectly and so then went through the process by phone by calling XXXX. At the end of the process the recording said I would receive my report within 15 days. That has not occurred. Last year I experienced the same issue and called Equifax. The person I spoke with at that time said there was no way he could check on the status of my report ; I had to do it thru the XXXX website. 
I did not find a way to check Equifax order status on that website or by phone. I still have not received my free credit report and have no way of knowing whether it was mailed or processed to begin with. That is a security issue since my report contains personal information. I have seen numerous other complaints about Equifax on your website about the same issue. My problem is a repeat of what happened last year. In the past I have NOT had similar problems with both XXXX and XXXX. 
Thank you for investigating this issue and facilitating my credit report being mailed to me.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I am contacting you because I am exhausted after several months of trying to deal with the credit bureaus on my own. Several unknown accounts appear on my credit as well as addresses, names and addresses. I filed a police report, filed a complaint with the FTC and I filled out a fraud affidavit and sent that information into the credit bureaus and it appears my case is being over looked or no one wants to help me. 
I have tried to contact Equifax in this regard for the past XXXX months and I have not received a response after sending them certified letters that contain my disputesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX