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: 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. (OH)

There were not payment required from XXXX until XX/XX/2020 due the virus ; however, XXXX is showing late payments for XXXX andXX/XX/2020. I was never late and I'm requesting METHOD OF VERIFICATION AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Despite my previous written requests, unverified items still remain on my credit report in violation of Federal Law. They stated previous responses to my other dispute letters that they have verified some items as accurate but failed to provide me with copies of the documents that they used to verify these accounts as per my request. their failure to provide me with the proof of the disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they say they do. Their failure to delete the disputed accounts that can't be verified after my written requests is also evidence of their willful disregard of Federal Law. I ask again that these items be removed.
Consumer complaint received 2020-05-14
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: JPMORGAN CHASE & CO. (TX)

I've disputed this account several times and I have two fraudulent accounts with JPMCB, that dont belong to me and I demand its removed. JPMCB CARD Date Opened : XX/XX/2018 Account # : XXXX
Consumer complaint received 2020-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (TX)

XX/XX/20 - I called Conn 's to request information about my account balance ( {$5000.00} ) and receiving a credit for an Insurance cancellation I submitted. The store representative applied insurance without my approval or informing of the process. The representative stated it takes 5-7 business days to process. On XX/XX/20 I checked online with my account and Conn 's website service only provides a current balance and payment amount due. There is no details on what is applied as principal and/or interest when payments are made. There is no payment history recorded. I called Conn 's the same day ( afternoon ) and requested my account balance ; they read a different balance ( {$9000.00} with interest ) that did not match the online website. I have the recorded call on file. They still have not applied my credit nor will they advise on a status. They transferring me around to different department/people. I asked how can I see details on my account payment history and the representative stated they do not offer this service and customers have to call each time to request a copy. I requested a copy by email, but nothing was sent. This company does not send monthly statements to customers to indicate what their account is, their online account service does not provide much detail and you have to call each time, but nothing is sent. Have to call again. Companies should provide this information to customers. We have the right to know what we are being charged monthly, where are payment is applied and other information about my account.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GreenSky, LLC (NJ)

My name is XXXX XXXX. I financed windows with the merchant XXXX XXXX XXXX on XX/XX/XXXX. The total finance charges were {$17000.00} which is currently is good standings/repayment. I am listed as the sole buyer on this account. My roommate XXXX XXXX XXXX did a separate finance with XXXX XXXX XXXX  on XX/XX/XXXX for a storm door for {$1900.00}. I ( XXXX XXXX ) was involved with this purchase. The storm door was installed and I was not present nor did I sign any contractual agreement. After my roommate never receiving a bill for the storm door, it was later discovered that XXXX had sold the account to Greensky and placed the delinquent account on my credit report. After review of the contract, it has the buyer 1 as XXXX XXXX and buyer 2 as XXXX XXXX which was never agreed upon as I was the individual responsible for the account regarding the windows. Both myself and XXXX spoke with the merchant who stated they would resolve the problem and start issuing bills in XXXX XXXX 's name. However, since then I have not heard back from the merchant but was later informed that the individual who wrote up the contract is no longer working for XXXX. I initially had the account removed from my credit report. Strange enough, Greensky has XXXX 's phone number which they call frequently and when he answer the call and explains the situation, they state they can not discuss the matter with him as he is not the account holder. This is incorrect as he is clearly listed as the buyer/buyer XXXX on the contract they as well as myself have. We eventually spoke with Greensky on multiple occasions and the account was remarked multiple times prior to them informing us they would look into the matter to resolve the issue. In addition, I was instructed to file a police report, which I did with XXXX Police Department ( police report # XXXX ). However, today XX/XX/XXXX I received notification that my credit score dropped 74 points as Greensky has put this account back on my credit report. I am very frustrated and tired of the run around that I am getting from the merchant and Greensky. XXXX is willing to pay the account, however, I want this out of my name and off of my credit as this is fraudulent and affecting my credit score.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX, I logged in the Experian Credit report website where I pay for ongoing monitoring, and discovered that the Credit Bureau has changed my algorithms ( e.g. credit score ) decreased by 8 points after paying off my lease and the Credit Bureau also changed my address to XXXX XXXX XXXX and attached delinquent and/or deragotory information ( e.g. XXXX XXXX  in my neighborhood ) and used the comparable demographics to this area to commit the social injustice of decreasing my credit score associated with such neighborhood in the data sets. 

No other information was provided to support such a decrease in the scoring information. Moreover, I have had a legislative security freeze since XXXX and it has been recently updated ( XX/XX/XXXX ) because Experian removed my contact phone number in the alert to XXXX and removed the phone number of record so that I could not be extended credit. On XX/XX/XXXX the phone number was added. 

I live in the City of XXXX and have been here a while. Experian is also reporting to Auto lenders that I have derogatory credit and missed payments in which is not true all prior debt was discharged in a bankruptcy on a schedule XXXX. I have 6 years and 1 month of on time payments. Experian has not update many of my accounts with paid amounts in over 60 days. 

Experian, also added comments to my accounts ( student loans ) as deferred due to pandemic. When I did not make this request. It is deferred because I am still enrolled in school. 
Such comment and accuracy should be clear and concise. I would like to have this resolved and my score to be update with the correct demographics and to be treated with equality. 
I am suffering hardship from poor accountability for agency such as Experian. Congressional reports and research is available to warrant my claim along with copies of the unwarranted decreases.
Consumer complaint received 2020-05-07
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. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : DPT EDXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My complaint is that USAA ( *RETALIATES JUST AFTER MY TWO YEAR LONG FRAUD CLAIM IS WON & CREDITS PROVIDED {$470.00} XX/XX/XXXX for XX/XX/XXXX claim date ** VERY HOSTILE USAA REPS** ) & SUDDENLY MY ACCOUNT IS BLOCKED??? WITH ** usaa Unable to VERIFY ME OVER AND OVER AND OVER?? This block put on by usaa was not here before. DRAW YOUR OWN CONCULSIONS ** USAA REFUSES TO FIX THIS ISSUE AFTER COMPLAING MANY DAYS. IT IS NOT AN ERROR. USAA IS RETALIATING TO * PREVENT ME FROM RESOLVING MORE FRAUD ON MY ACCOUNT THAT WAS IGNORED FOR YEARS WITH NOT VERIFYING ME. I CALL ** RETALIATION **
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have attempted to unfreeze my credit with Equifax, and they required that I mail documents to them. After I did so, I did not received a reply of any kind, in writing or digitally, from them. My online " myEquifax '' account continues to be locked out, and my credit frozen. It has been over two months since the request was submitted, and they calling them on the phone has been less than helpful, as I have either been unable to get through, or the agent on the other end hasn't been able to resolve my issue. 

It is starting to feel like an obstructionist tactic to push people to sign up for paid credit locks, by making the process to unfreeze a credit account slow, frustrating, and cumbersome.
Consumer complaint received 2020-05-04
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: EQUIFAX, INC. (TN)

I really do not know where to begin but to start by saying my credit reports are a train wreck. After filling a consumers complaint with the Consumer Financial Protection Bureau ( CFPB ). Things have gotten crazy with my XXXX, Equifax, and XXXX credit reports. 
Now suddenly XXXX has me as my mother 's name and has my real name as an allis name. Equifax has me as another name as well but with a different name, all females names. After filing disputes about them merging my mother 's credit file onto mines, the account has been removed but still showing my mother 's name on my consumer credit file. 
The ( CFPB ) told me that XXXX said, and I quote The company responded that you may have been a victim of fraud. This has nothing to do with fraud but errors that these credit reporting has caused and the only thing they can say is fraud and not taking the responsibility of what they did to me. 
At first, I could not understand why I was been denied credit because from seeing my recent credit reports just last week, I did not see what I am seeing now. I fully understand now, why the FTC says that the FTC study found that about 25 % of consumers had an error on one of their credit reports, and 5 % were paying higher interest rates because of those mistakes. 
Now Equifax is showing an XXXX on my consumer credit report in a different name as well as XXXX is still showing my mother 's name under my social security number. This is again, not fraud, this is their employees merging our accounts together. 
I personally have all of these : Name misspellings ( common when family members share similar names ), Duplicate accounts, Incorrect accounts, Fraudulent accounts, Information or accounts from an ex-spouse, Incorrect payment statuses, Outdated information ( like negative accounts over seven years old ), Incorrect date of first delinquency on a collection account and re-insertion of accounts I disputed and was removed years ago, Equifax. 
It is so amazing to me about what Equifax is doing to me because I just sued them back in 2018 and won. Yesterday I just mailed off my disputes again to XXXX, Equifax, and XXXX, not knowing what I found out today. 
I keep going through this with these credit bureaus, from suing them to filing disputes on constant basic but you would think they would at least try to do the right thing and not be so money hungry. Stop putting your employees mistakes on the consumers.
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

On XX/XX/XXXX I used this company cash app to send money, {$2200.00} in fact, to someone online to purchase items from this website called XXXX. It's like a XXXX. Well after I sent the money the person never sent the good, he blocked my phone number and blocked me from exchanging money on cash app. I emailed cash app every day for help and to ask for a refund for almost a week. They said there is nothing they can do ask him for a refund. I informed them that he blocked me after I sent the money and obviously this was fraud. They informed that if they feel there is a reason to look into it then they will. Which they dont. I strongly feel this company is encouraging scammers to use this. I understand I am probably just out of my money but I don't want this to happen to someone else.
Consumer complaint received 2020-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allied Collection Services, Inc. (Nevada) (CA)

This company keeps calling my number to collect an alleged debt. I have no knowledge of this debt and they have not provided any written notice of this debt. I have told them to cease calling my number but they have not done so. 

I received a phone call XX/XX/2020 from XXXX at XXXX XXXX They have also called from XXXX.
Consumer complaint received 2020-05-04
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: Experian Information Solutions Inc. (CO)

I took out loans from XXXX XXXX XXXX XXXX XXXX and Direct Student Loans which total a little over {$13000.00} ( Thirteen thousand ) Dollars. This loan has since ended up with XXXX. I contacted XXXX XXXX and was told that they submitted a much smaller number to XXXX nowhere near the huge amount they are saying I owe. For years although I have made payments, my balance has increased to a now balance of over {$160000.00} ( One Hundred Sixty thousand Dollars. I have disputed this with the bureaus but they keep coming back saying I owe this amount. My report lists a disbursement date and an incorrect principal amount. While going through the dispute process, the people at XXXX have not been able to explain why the amount is inflated, but it appears that a huge interest amount was added to my account of over {$43000.00} ( Forty-three thousand Dollars ). after beginning my dispute process. Experian explained that they use the E-Oscar electronic system to verify my information. I explained to XXXX that I was a victim of Identity theft back in 1999 and had to go about correcting my credit report because of fraudulent activity, It did not occur to me to file a Police Report. At the time I lived in Wisconsin and had relocated to Illinois, I left items in my former residence that contained by social security number and neighbors that had moved in from XXXX XXXX Louisianna stole my information. So if there are any loans taken out from 1999 and beyond they do not belong to me. This has been extremely stressful to me, I have tried for years to resolve this but have been unsuccessful, all the while being unable to purchase a home, unable to obtain housing at certain times, denied loans personal or business and experiencing a low credit score because of my debt to income ratio. It hasn't mattered how much money I earn or the fact that I have nothing in collections or the fact that I have had an exceptional payment history for quite some time. Please look into this matter for me, I was told by Experian that they get their information from creditors and they have to report whatever the creditors submit, so even if I disagree with what the creditor submits or if it is incorrect, me sending documentation to them is useless if the creditors refuse to correct it. this is very unfair to the consumer.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CO)

I have been trying to activate my XXXX. I have been trying to get a customer rep. to see what is going on. Every time I try and call, I get put on hold for hours and then I get cut off! This has been going on for weeks!!
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

For approximately 2 years I have tried to dispute inaccurate information on my personal credit report with the three bureaus ( XXXX, XXXX, and Equifax ) and XXXX with no success! Each time I attempt to get accurate information VERIFIED and/or changed or removed the bureaus send a letter back indicating " verified with the bureaus ''. Each time I contact XXXX directly to VERIFY accurate information is correct and being reported to the bureaus correctly XXXX will send copies of old account statements. 

When asking the three bureaus ( XXXX, XXXX, and Equifax ) to VALIDATE that the items being reported by XXXX are correct since there are SO MANY errors across the bureaus I get a letter back stating " our information that is being reported is correct ''. When asking XXXX to VALIDATE information on my credit report because of the vast DIFFERENCES being reported across the bureaus XXXX does not respond or sends old statements. I have attached just the past correspondence to the three bureaus ( XXXX, XXXX, and Equifax ) and XXXX via certified letter for your review. I will also send you the new letters indicating the same. Lastly, I will send you just one of the many denial letters that I have been getting over the past 2 years from my creditors.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (FL)

In XXXX, I was impacted by Hurricane Irma. My lender, Home Point Financial offered assistance by allowing me to defer payments on my mortgage for 3 months and then at the end of XXXX, allowed me to pursue a disaster modification. The disaster modification was finally completed in mid XXXX after many calls to confirm what was needed and ensure payments were made timely. Midway through XXXX, Home Point Financial also did some kind of reorganization which included changing their name. At one point in the 2nd quarter a mistake was made on all accounts going through a disaster modification ( this is per a representative I spoke too ) resulting in a lot of us being reported past due incorrectly ( we were in forbearance as the disaster modification was being processed and the forbearance was not taken into account during reporting ). I was told that credit reporting would be updated to reflect this is a mistake and took Home Point Financial at its word that it would be fixed. 

Fast forward to today, I noted a missed payment notification and traced it back to XX/XX/XXXX where apparently I was reported 60-89 days late despite being in forbearance during my disaster modification.