davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (WA)

The lenders are informing me through the phone and via email incorrect information about the money I did n't receive. Payday loan and Ace express cash. They have my SSN but they do not have the correct information. They have my address which over 9 years ago. They keep threatening to sue me if I do n't pay it now.
Consumer complaint received 2016-08-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Initially the re-payment structure online stated {$1300.00}. loan with {$350.00} interest prior to accepting the loan ( XXXX 2016 ). Once I accepted the terms became unclear as a new payment schedule was offered at 497 % interest. I began making payments, but the interest continued to accrue. I requested documentation confirming the terms of the loan and all payments made, but was informed Ace cash does n't offer this type of documentation, but could be viewed online. No information existed online as well once I checked. Interest rates were continually applied, adjusted and re-applied as per the customer service individuals I spoke with but no individual I spoke with could offer clarification of the interest, terms and payments made on the loan. I 've written, but received no response nor telephone call.
Consumer complaint received 2016-01-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (MN)

Opened checking account with Discover Bank and fully expected {$300.00} from signup bonus. Emailed Discover twice, said I was eligible and that they were looking into it by escalating my issue. Waited for 1 month+ expected bonus post date.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK (NC)

myself and discover credit services had an agreement that I would pay {$76.00} a month till my account was paid down. This amount was automatically withdrawn from my account each month excluding one error on Discover Banks side. I cancelled two payments with Discover for the {$76.00} because the amount had already been paid prior to the due date this last month/ end of XXXX. Early XXXX I paid off my account. I then go to check my account and I see that my statement this month I have {$76.00} in fees. I was charged a late payment fee and a returned check fee for a cancelled payment. that was never supposed to post. Both confusing to me I contacted Discover and they list no explanation. The worst part of this is I spoke with Discover last week when making payments and they told me I would have no issues. Now I get a {$37.00} fee for not making my full minimum due even though I paid above the agreed amount. In fact I was less than {$25.00} short of the minimum payment and no one ever mentioned I needed to pay the final amount or I would be charged a fee. In fact I stayed on the phone for an extended span of time so I would n't be charged a fee.
Consumer complaint received 2016-02-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (LA)

I contacted this company about fraudulent charges on my Discover credit card back when i first got the credit card. I have n't made a single charge on the card. They told me I 'm not liable for any unauthorized charges on my account. I have called several times since i been back in the USA. I went overseas around the time i reported the charges and i just got back on XXXX/XXXX/16 and I filed a police report and called Discover and gave them my police report number and they said they would remove the charges and send me a new credit card and they still havent did any of that yet and its been 2 weeks
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my XXXX credit report. i was told by the collection co. rep " XXXX XXXX '' that the account is being reported correctly. spoke to attorney XXXX XXXX and was told they have to update and report the account correct.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DEFENDER MISC The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXXY XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

The investigation told me about debt collector. The debt collector told me it came from a dr at a hospital during a XXXX last year. I called the dr. And the hospital they reffered me to. Neither the hospital nor the dr. Have any knowledge of debt.
Consumer complaint received 2015-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I contacted XXXX who refused giving me assistance about an unauthorized  inquiry on my report and even after getting on the line with a representative of the company who gave his name and ID and all of his personal info. she still didn't take care of it and gave me a hard time
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

As I check my equifax credit report I noticed something on my credit that I absolutely knew nothing about, a business called XXXX XXXX XXXX. I have no idea who this company is, I never spoke with anyone from this company and never had I heard of this company before, so for this to show up on my credit it 's fraud, someone had to use my information and I need something to be done cause I disagree with this. It says something about a personal loan which I will never try to get unless my credit is in good standards I want to build my credit not give a care in the world. Please help me clear this fraudulent information.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

The above dispute # is for an incorrect name, XXXX. They still had only my married name & i have been divorced for over XXXX & legally reverted to my maiden name in the divorce decree. I tried to correct online & had trouble signing in since the security questions had nothing to do with me. I called & tried to explain the name change, thought all was settled, Found out that a few days later that instead a Fraud Alert was placed on my account. I called again & tried to have it removed. Also, called XXXX & XXXX since I got a notice from XXXX that a Fraud Alert had been placed. I have since called & finally was able to get someone that immediately updated my name after pulling copies of my drivers license & SS card that I had sent earlier in the dispute. But I have been unable to get the fraud alert lifted, I applied for a credit card & had to send copies of my DL, SS & Bank statement to prove it was me applying. I do n't plan on any applications in the near future but would like to have this Fraud Alert removed since I never requested it. Thank you for your anticipated help.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax, XXXX and XXXX credit reporting agency are reporting a Public Record Bankruptcy inaccurately. The agencies are stating that the derogatory entry has been verified to be accurate by the Bankruptcy court and XXXX XXXX Reporting company. However, the Bankruptcy court DOES NOT verify information to the agencies as it is against Federal law. XXXX XXXX has confirmed that a Public Record does not reflect on my credit reports. Although I have challenged this inaccuracy with the agencies, they are refusing to remove the entry and update my profile and score. I am requesting that the CFPB advocate for me regarding this issue.
Consumer complaint received 2021-11-25
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with XXXX, XXXX, and Equifax. ( Please see Image Attached on 2nd Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over Equifax, XXXX, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately 2. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from XXXX XXXX XXXX for ( Acct # XXXX ) demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Vengroff Williams, Inc (NC)

I was involved in a car accident. My car was new so my insurance was on a binder until the new auto info was given. The police said i was not at fault. The insurance company, XXXX XXXX, went against the police and law, and said i was responsible. 
A collection agent, Vengroff Williams Inc., is now trying to collect money for XXXX XXXX, and the amount is over 7 times higher than the highest of the XXXX estimates. 
i have tried to talk to XXXX XXXX, and they are stone walling me and rude. I am not responsible, yet XXXX XXXX made it so. 
I simply want XXXX XXXX, to tell me how they made me liable, when the police and law say i am not. I was not cited, the other party was.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Im want XXXX XXXX XXXX XXXX to be disputed and to be taken off my credit. I didnt leave a negative balance as shown in the bureaus in the year of 2008 and its just sitting on my credit causing it to be poor. It has been 7 long yrs now and i want it removed.Thanks for your time.
Consumer complaint received 2015-05-09
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Seterus, Inc. (NC)

I filed Chapter XXXX Bankruptcy in XXXX of XXXX and it was discharged in XXXX XXXX. My husband XXXX and we incurred over {$200000.00} in XXXX debt after the BK discharge and then in XXXX XXXX I was laid off of my job. I obtained a new job very recently and when Seterus took my mortgage over ( XXXX payments due ) I told them after they called me relentlessly that I was a discharge BK and I had NOT reaffirmed the debt. So I explained that they can not call me like this. However I did tell them that I wanted to work something out. But they said I needed a months worth of paystubs. I told them I would n't have that until XXXX at which time I would send in the workout package and begin the process. However they seem to ignore the laws regarding bankruptcy and continue to call me several times a day trying to collect payments. I understand they are a new servicer but that is why I informed them on DAY XXXX that I was a discharge BK so that they knew they were not allowed to call me like this. I have had enough and am seeking legal counsel at this point because apparently Seterus feels they are above the law.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

I have disputed Chapter XXXX bankruptcy with Equifax they signed for my initial certified dispute letter on XX/XX/2016. They responded that they have verified the reporting to be accurate from the federal bankruptcy court. I requested validation in the form of my signature, they failed to provide that to me validation. I also submitted them a copy of a letter from the bankruptcy court stating they do not provide any information to the credit bureaus along with a 2nd dispute letter which they signed for on XX/XX/2016. This is deformation and Violation of the Fair Credit Reporting Act. I demand that it be removed immediately from my credit report. As of today XX/XX/2016 they still have failed to validate this or mark my report as disputed. Equifax has failed to properly investigate this. They sent me the same verification letter both times within 4 days of signing for the letters. Which tells me they generated a pre-written letter from the computer and sent it to me.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I contacted the Bankruptcy court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my report.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MN)

I had to file Bankrupcy and though the XXXX Ally Finical continued collection ativity. After my discharge and having reaffirmed the debt I arranged a payment arrangement to catch up on my past due and remain current. I received a " final demand ; letter '' despite my payment arrangement and I am being threatened with repossession despite thAlly agreeing to the payment arrangement being made and the Bankrupcy and collectiions person telling me that as long as I held to the arrangement this would not happen.
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (IL)

I had contacted Discover card explaining the temporarily financial experience I had encountered XX/XX/XXXX, Due to a death in the family, that set me back. XX/XX/XXXX without my permission or knowledge Discover card applied my deposit funds to my balance on my account. I have had my Discover it card since XX/XX/XXXX, with current payments. And this one time I need help in asking for assistance to keep my account active and open. I find out this morning via live chat. That my account had been closed. I was inquiring about how much I needed to bring my account back to it 's original available balance of {$500.00}. XX/XX/XXXX.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TN)

The student loans that are being reported ( XXXX ) are not late payments and should be removed. This bureau does not properly verify my credit report and whenever I called I could never speak with a representative. There are also multiple hard inquires that I did not authorize and are not associated with my account.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I requested Equifax to investigate and verify erroneous, incomplete and inaccurate information that they were reporting in my credit file. It took them more than 35 days to respond and they said that they had verified the information, but they did not provide " Proof of Verification '' or their " Method of Verification, '' as requested. They simply matched up numbers in a data base and said that it has been verified. 

On XX/XX/XXXX, I sent Equifax a letter to re-investigate this same incomplete, inaccurate and erroneous information, specifically requesting their " Proof of Verification '' and their " Method of Verification '' for this inaccurate and incomplete information that they are reporting. On XX/XX/XXXX, I sent a follow-up letter ( all letters were sent certified, return receipt ) reminding them to validate and delete this erroneous, inaccurate and incomplete information that they are reporting without legal verification. 

So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied. 

According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts. 

Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon. 

Regards,
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (GA)

The bank just approves things that are fraudulent deposits checks that i did n't sign for, and approves charges I did n't make, but then I make a charge online and it gets decline and comes back saying fraud. Its been months trying to add my partner to the acct and we did everything they asked us to to send, now they say they never received the documents. The security is so restricted because every little transaction with apple pay puts a security hold on the acct. it also lets merchants to make a payment twice, and reverses payments if it did n't have but {$5.00} short its ridiculous. plus call the fraud dept and they always ask so many questions and there rude.