davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

Hello. I went into the US Bank in XXXX XXXX at the End of XXXX (  Tuesday after XXXX XXXX ). My sister lost the Atm ( yes her name is on the account, but does not have her own ATM. I was so called helped By XXXX the manager of the Branch who was very loud and rude. he acccussed me of trying to pull some kind of scam. ( Yes we have lost many cards we are flakey and freak out and cancel them, we always find them after we cancel them. I went home and the XXXX number was called and they said the manager was out of line it DID NOT matter how many cards we had. they gave me the Number to to the district manager. XXXX XXXX who was on vacation according to XXXX XXXX who called me. she was Nice until she found out I was a XXXX XXXX survivor ( XXXX looked a lot like the man who attacked me, being very tall no hair and loud voice ) and I suffered from XXXX. I got 2 emails one from her and one from XXXX XXXX explaining things, never once saying why he acted like he did and cover ups and lies. I tried calling them XXXX XXXX and she never called me back or played phone tag. Then On XX/XX/2019 I got a letter saying my account will be closed ( the letter was written on XX/XX/XXXX XXXX the letter was addressed only to me and not my sister, indicating or appearing to me like they were discriminating against me because of my trauma or retaiklation because I complained and called them on their lies. XXXX and XXXX said my accounts that I reported lost were still open, then when I asked them to close them they said oh soame body already did, how can they be open and closed in minutes??? They said the assistant Manager XXXX could not help me, according to XXXX she was helping some one else, and XXXX she offered and I said no. The truth was she was coming back from lunch or something. Iasked if she could help me and XXXX said NO I am the the Bank manager and only I could help you. XXXX aslo shook her head No. It happened at the XXXX XXXX  Branch XXXX XXXX XXXX  XXXX XXXX California XXXX the people I am complaining about are. XXXX XXXX or XXXX, XXXX XXXX and XXXX XXXX and XXXX the bank amanger
Consumer complaint received 2024-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WI)

Equfax, XXXX credit bureau company refused to remove items showing on my credit reported company XXXX XXXX XXXX have had in ongoing Dispute to please remove these accounts showing doesn't belong. Since XXXX which last more 90 days to please stop reporting. problem 's on the credit scores which. l have have been denied credit. XXXX Equalax in a resolve problems .. this situation has lasted longer which have written. police report. XXXX Credit reporting company sent me a letter stated They deleted. Information for off my records I requested XXXX XXXX please delete honor. Statement what l have provided I letter .as evidence Equfax XXXX XXXX, which has on going disputes in your CFBP Complains since 4 XXXX with a company Called XXXX XXXX XXXX XXXX. Which now l have on going disputes with this whom requested me to provide additional information records to remove This company from off my credit file. Evidence. I provided police report. XX/XX/XXXX l received a letter states XXXX agreed to remove these companies including these collection agencies report
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Despite my prior seven attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my eighth attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. 
The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to correct the accounts:XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I had two subsidized loans from EdFinancial Services that I paid in full on XX/XX/2020. One for the amount of {$3500.00} and another for {$2000.00}. Although the money was withdrawn from my checking account EdFinancials Services is not recording my payments on their portal and they are charging me the loans in full. I have tried reaching out by email and phone calls but I can not get a hold of them as they are always busy. I have my bank statement and payment confirmation from EdFinancials as proof of payment.
Consumer complaint received 2023-09-14
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

XX/XX/XXXX I called Edfinancial to change my payment plan to the standard repayment plan. They called me back XX/XX/XXXX and informed me it would take 10-14 days. 

I called again on XX/XX/XXXX because my payment plan still had not been changed. They called back on XX/XX/XXXX and informed me that it would take 7 more days. 

I have been unable to reach them by phone since XX/XX/XXXX, their online chat system is unavailable, and they have not responded to emails sent through their web contact form. My payment plan still has not been changed. I need to change to a standard repayment plan because the income driven repayment is preventing me from entering paid ahead status for a lump sum payment I would like to make, a piece of information that was not available to me when I applied for the income driven repayment. For 41 days the loans have continued to accrue interest on the amount that I would like to be able to pay off and they continue to refuse to process my request for a standard repayment plan or respond to any communications.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act.written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution : XXXX XXXX Balance : {$18000.00} ; XXXX XXXXXXXX : {$2800.00}.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I am in a XXXX XXXXXXXX I have some stuff credit report XXXX XXXX XXXX account for XXXX account number XXXX a XXXX XXXX XXXX  account number XXXX a XXXXXXXX XXXX XXXX acount XXXX. And a XXXX XXXX XXXX number XXXX. I asked all three credit reporting agencies for the letter. I need from the XXXX  XXXX Trustee that says I can have a credit card. I have not received a copy for that letter. The next steps I will take is a court order to comple that letter. If not received from XXXX XXXX. They are in violation ilof federal laws.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account # XXXX
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX BANK wrongly accused me to obtained XXXX visa credit card. when I dispute with XXXX XXXX XXXX BANK failed to provide any proof and evidence so XXXX XXXX XXXX BANK and their Law firm XXXX XXXX XXXX XXXX XXXX send apology to me. Please see Exhibit " A ''. 
XXXX XXXX XXXX have violated Federal laws, Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. Consumer protection afforded by the FCRA FCRA Section 605 ( c ) Running of the reporting period {$1000.00} per event.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  Account # XXXX
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

On XXXX XXXX I requested to be moved to the fixed extended repayment program for my federal loans through my servicer EDFinancial. That day, I received email confirmation that my request was being processed and I should expect to see my new payment XXXX XXXX XXXX XXXX in 7 to 10 business days. 

My payment is now due on XXXX XXXX, and my account still shows my loans on the IDR plan with a monthly payment of {$310.00}. 

I have unsuccessfully tried to contact EDFinancial three times this week and am hung up on instantly when receiving a call back.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I received a letter from XXXX XXXX XXXX XXXX stating that my loan has been forgiven on XX/XX/XXXX. It states the forgiveness is effective as of XX/XX/XXXX and that they have or will notify all the national credit bureaus. I called XXXX to get a more accurate estimation of how long it takes to update my credit reports with this information and I was advised by two separate representatives that it would take approximately 90 business days which equates to 6 months to see an update on my credit report. I advised the last representative that I would like to speak with someone else regarding this and was told I would be transferred to someone in the credit department, upon transfer I was disconnected. I then checked my credit report to see that XXXX hadn't updated any information on it since XX/XX/XXXX. Since I have not been able to address this issue with anyone in the company other than to be told of this 90 business day timeframe I am making this complaint as I believe waiting 6 months to see an update on my credit report is a violation of the Fair Credit Reporting Act and of my consumer rights, this timeframe is not fair and timely and could cause an undue hardship by not reflecting current and accurate information and affecting my overall credit score.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a car loan with Bank Of America since XXXX. 
On XX/XX/XXXX I make a payment by phone to Bank of America since I did not want to incur in a late fee. I give them my Bank routing number and my account. I receive a confirmation number of the payment ( XXXX ) over the phone. 
I pay my XXXX loan fee at the beginning of the month as usual. 
At the end of XXXX I receive a letter from them dated XX/XX/XXXX saying that they did not receive my XX/XX/XXXX payment and now I have an added XXXX $ late fee to payment. 
I called XXXX  to straighten out the mistake and, after XXXX hour of speaking with different representatives and finally a supervisor, I find out that the XXXX payment did not go through because they wrote the incorrect account number ( the supervisor, I finally spoke to, verified the routing and account and saw the error ). They then took my on time XXXX payment, which I usually round up to XXXX instead of the XXXX $ required, as the late XXXX payment and then they tell me that I am late for my XXXX payment as well and I have to pay a late fee on that as well. 
Note that they sent out the letter for the late XXXX fee way past the 10 day grace period and they did not notify me before that that the payment did not go through. 
They wont reimburse the late fees right away, although it's their mistake, and I even have to pay the late XXXX fee over the phone. 
They say that they are going to reimburse me the late fee and detract them from my principal balance. 
They have a specific " Late fee Department '' which you can not talk to or email since they told me they do not have a phone or email and I have to wait to see if they detracted the fee in my next statement. 
They do not complain if I pay them a bit above my monthly fee, but they can not give me the XXXX $ back right away when they made a mistake and make me spend XXXX hour on the phone with them.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

A collection account XXXX XXXX for the amount {$320.00} was deleted from my XXXX Credit Report for false reporting but not yet for my Equifax and XXXX Credit Report ; therefore its reporting inaccurate on both XXXX and Equifax and need to be updated.