davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I have been disputing these accounts for years and I am absolutely fed up with all XXXX bureaus. I have gotten nowhere and everything comes back as verified when it clearly is not. When I contact the creditors I get a run around and they tell me there 's nothing they can do and that I have to resolve it with the bureaus! I 'm listing all of the account information below and each of these must be updated/removed accordingly. 
XXXX XXXX XXXX This account is not mine : My ex-husband stole my identity in XXXX and opened accounts under my name. Judgment was removed and reinserted without notification within 5 business days. I will write an affidavit if I have to. Please remove this! 
XXXX XXXX My account is on auto-pay ; I was never late State of MDXXXX XXXX Account paid in full back in XXXX - should not be a collection! 
XXXX XXXX I was never late on this : they have this listed as late in XXXX but I spoke with XXXX on XXXX/XXXX/XXXX who said I was late in XXXX of XXXX. I asked why he 's calling now and he did n't give an answer. Not only that, but he said that because I was late in XXXX, it is reporting late in XXXX. My account is on auto-pay so there is no way that I was late in XXXX and I can prove this. I paid {$1000.00} on XXXX/XXXX/XXXX for this supposed late in XXXX when it is reporting as late in XXXX. XXXX said all I can do is dispute it with the bureaus. 
XXXX XXXX I do not owe this money ( original creditor is XXXX ) : I cancelled my services and physically returned the equipment to their office and was told that once they receive the equipment in the warehouse they will adjust the bill and send me an updated one. I physically went in and returned the equipment and # 1 do not owe this money & # 2 never received an updated bill showing {$0.00}. They sent me straight to collections. 
XXXX XXXX I was never late & I did n't lose my card ; please remove the status & update the account Receivables XXXX This is for XXXX and I do NOT owe them money : I cancelled services, called for box to send equipment back, they said they would send & update bill and I never received. I called again, they reordered boxes & said they would update bill once received. I sent in equipment 4 days late on XXXX, never received updated bill & sent to collection. They will not give me info when I call & say to call collection company. 
XXXX This is resulting from identity theft : I have disputed this for 5 years. I cancelled services because I moved and the people who moved into the residence obtained services under my name without my permission. I was told that I am responsible for the bill and I am not- I did not authorize it - it is identity theft and I will sue them if I have to. Creditor fails to remove this or assist.
Consumer complaint received 2017-03-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WLCC (CA)

I took out a payday loan and the lender 's collection agency XXXX garnished a portion of my wages after I had already revoked wage assignment rights from the lender. I submitted the revocation letter on XXXX. 

I spoke to the original lender 's ( Green Circle ) representative ( XXXX ) XXXX - XXXX XXXX XXXX XXXX and was informed that the debt was written off as of XXXX and that they had indeed received my letter of revocation. 

XXXX XXXX is the collection agency. All i have is a phone number XXXX XXXX XXXX XXXX that no one answers. 

These were illegal and unethical practices by the collection agency and I expect a refund of the funds that were taken by them.
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (PA)

Approx. 10 yrs. ago, I filed for bankruptcy. During the bankruptcy proceedings I agreed to continue to making payments on a bank loan. I have faithfully made these payments in a timely manner. Recently applied for credit and was denied, because I did not have a " FICO SCORE ''. I contacted the bank and asked why they have n't been reporting my credit history to any of the national credit reporting agencies. Their reply was that they have been. I contacted Experian reporting agency and they claim that they are receiving no info from the bank. Both the bank and XXXX, just have me going in circles. Can you Please help me rectify this matter.
Consumer complaint received 2017-03-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP (GA)

Again I making another compaint against Republic Finanace regarding there reporting to the XXXX major credit bureaus. On XX/XX/2017 I was notified that My Republic Finance account was 30 days late for the month of XXXX. A payment was made via telephone on XX/XX/2017 which took approxiamtely three days to withdraw from my account. At that time my account would have only been XXXX days past due. My account payment is due on the XXXX day of the month which means that on XX/XX/2017 I would be considered XXXX days past due. I made a payment in XX/XX/2017 that took approximately that posted on XX/XX/2017 to bring my account current and if I was delinquent at the time it would have reflected on my credit report for the month of XX/XX/2017 as XXXX days past due but I was reported as being current. In previous conversations I was informed by the main office that they report account status at the end of the month, whch clearly states they are disregarding federal reporting rules and regulations when it comes to reporting account information to the FCRA 's. As of XX/XX/2017 my account is XXXX days past due and if I submit a payment before XX/XX/2017 then my account would remain still be in a current status.
Consumer complaint received 2017-03-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (IN)

For over 6 years we have been making payments double the amount Chase Bank said would pay off the credit card in 2 years. Approximately {$34000.00} has been remitted Calling Chase they would not tell us where the additional principle payments were used.
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (DC)

In 2014 I transferred my XXXX account to my roommate prior to moving to a new home. Paper copies of the transfer were signed as well as confirmation made with XXXX after the papers were filed with them. 

Since that point, I have been contacted 4-5 times from collections agencies who XXXX has hired to collect on bills incurred after the account was closed. When I have called XXXX about these charges, they have informed me that they have no records of my communications with them occurring ( including the previous 4-5 times that this has occurred ). The typical resolution after 1-2 hours of time on the phone is that XXXX has " sorted out '' the issue, which they admit is their wrongdoing, before informing me that they 'll let the collections agency know. 8-12 months later, the process has repeated.
Consumer complaint received 2022-10-03
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. (CA)

XXXX XXXX XXXX  on my 3 credit bureaus is a account i did not authorized and there reporting damaging inaccurate information on my credit report i reached out numerous of times but get ignored Last reported Date Last active Past due Date of last payment Date opened All inaccurate information i did not give written permission. 

XXXX XXXX Equifax
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

In a follow up to Case number : XXXX, no communication my request to verify this debt has been provided, from my originally request sentXXXX/XXXX/15 to the creditor requesting funds. As it has been past 90 days, how was Equifax provided proof and nothing sent to me, plus by law the lender asking for payment has 30 days to provide the requester with proof this is their debt. As there has been no communication from the lender to me, please have this matter resolved ASAP and removed from my credit report with all XXXX major bureaus. If Equifax has proof, please send all documentation to me.
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NJ)

FedLoan is failing to follow the FCRA section 623 ( a ) ( 2 ) ( a ) and 623 ( a ) ( 2 ) ( b ) in reporting the status of my student loan to the credit bureaus. I have disputed this with all credit bureaus numerous times, as well as FedLoan, the Ombudsman 's Office and the XXXX XXXX XXXX XXXX XXXX and have gotten nowhere. They have all closed my disputes and failed to comply. 

My FedLoan account was granted a General Forbearance for the following time periods : 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 However during these periods of time, my account has multiple late payments reported on my credit reports. These range from 30-day lates to 120-day lates. FedLoan is claiming that since some of the forbearance statuses were granted retroactively to cover time periods that were 'Past Due ', that this exempts them from updating my credit file with the forbearance information and in turn " exempts them '' from removing the late payments on my credit report in exchange for the updated forbearance status '. 

However, the FCRA explicitly states any furnisher must take all steps necessary to ensure accurate reporting, and according to section 623 ( a ) ( 2 ) ( a ) ( b ), furnishers must also " correct and update '' information that has previously been reported but has since changed. In this instance, my FedLoan account that was granted forbearance statuses must also be updated to reflect this change. 

FedLoan is citing FCRA 623 as its excuse for not updating the information. However, they are also in direct violation of it. There is no clause in the FCRA that excludes Forbearance statuses from the 623 ( a ) ( 2 ) ( b ) rule. It, like any other piece of information that changes, must be corrected, updated and reflected on credit reports as per the FCRA 's explicit writing. 

Please assist as every one of my disputes has been denied or ignored. My only next step is to sue for damages and corrections to my credit report, which I 'd rather avoid. 

Thank you.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

As I have informed Equifax , I have an account on my credit report, XXXX account receivable. cadillac agreed to removed from my credit report once paid in full. It has been paid in full. it has been deleted from the other two credit agencies but I am having issues getting Equifax to remove. I have told Equifax they can call XXXX who is my representative at XXXX account receivables and he will back up everything I am saying.
Consumer complaint received 2015-10-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MI)

A private student loan company has put my loan in default on XXXX XXXX, however I tried logging in prior to that to make some payments and was unable to login, as they stated my loan was moved to another company. I can not pay now, since it 's in default, however I was not able to pay either the week prior to them claiming it was going into default status.
Consumer complaint received 2016-09-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP (NJ)

US bank is marketing and selling its XXXX perks travel rewards credit card with a lot of benefits. However, I have this card for more than 33 days now and I absolutely have no access to their promotion site and the offers they are marketing. I have been lied and cheated muitlple times by the customer care. Sometimes, I have been told that the offers are not for everyone but when I insisted that the credit card benefit booklet I received mentions all these offers and there is no targeted offer clause. Then, I was transferred to different departments and this has been happening for more than a month. They tried to plead me with XXXX points and told me that I will have access to the benefits after my first billing cycle. However, I am still struggling to even find out what my card offers. The customer service says it 's a technical issue and technical team says they never heard of this site before. This site is mentioned on every page of the booklet sent to me by the bank. It 's XXXX
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (MD)

I have a Fidelity Reward credit card. Recently they change the servicer from XXXX XXXX XXXX to US Bank. But they did such a bad job in conversion. I did not receive the notice but receive my new card ( a Visa card, used to be XXXX XXXX ). Then I update my account number with the new number and send the XX/XX/XXXX payment ( {$2100.00} ) through my online checking account. After 2 weeks, this payment was not posted into my account. Then I called them and was told the conversion. They did not receive my payment since I used the new card number but sent to the old address. I did not know the conversion happened in the first place. How would I know the new payment address? I called the original servicer, XXXX XXXX XXXX, new servicer, US Bank, and my online bank. Nobody is responsible for this mess. I lost my {$2100.00}!!!
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I received a copy of my credit report and noticed errors, fraudulent activity and names. 
XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 


My correct my name is XXXX XXXX XXXX Please delete ALL fraudulent names - from my report My current address - XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Please remove outdated XXXX XXXX   I never worked there XXXX
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Houston Finance Co. (TX)

I did a preliminary application with  XXXX   XXXX  to see if I could be pre-approved for a loan, however I was not aware that they were a sister-company f or Houston Finance in which I had previously had a loan. The company pulled my report without my knowledge, and when I contacted them to inquire about the preliminary application that I had submitted they then proceeded to inform me that they could not give me a loan because I 've had one before with their sister-company which was fine but I had no idea they had pulled my credit report until I viewed my credit report. I then called them to ask why would they pull that knowing that I had, had a loan with their sister-company but the representative could not give me a valid answer.      It is unfair to consumers for these companies to without knowledge to the consumer to pull credit reports before verifying whether or not the consumer has been a previous client.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX XXXX XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OR)

Hi, I have a Chase credit card just one. I havent used it in a while. It had a credit on it and every month Id get a statement in the mail telling me that I owe nothing and there is a credit. I thought the ethical thing to do was to call and have them issue me a check for the credit amount. They did. I brought the check to Chase and they wouldnt cash it, ostensibly because I have no checking account at Chase Bank. I dont, thats true. All I have is a credit card, which I dont use. So, basically, I received an uncashable check from them. It would cost me more to open a checking account at Chase than the check is worth. 
Just thought consumers should be aware of this practice.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

Received an alert from Equifax on XXXX-17 that XXXX was removed and then reinserted at the same time dropping my credit score XXXX points.I have been disputing this account for months. I have no contract with this company.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I have inquiries on my Equifax credit report that I did not authorize. The inquiries are from XXXX, XXXX XXXX, XXXX XXXX, XXXX Credit card, XXXX, XXXX, XXXX, and XXXX. Please have these inquiries removed from my file.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

XXXX is XXXX same account ( XXXX ) which is listed on my Equifax credit report three times. This fraudulent account belongs to my daughter XXXX XXXX and not me XXXX XXXX and I am asking for this account which is on my credit report 3 times to be removed immediately. I have attached a notarized letter from my daughter informing XXXX as she has before that I have no affiliation with this account. I did not reside at the address on there application nor did I sign. I have also again attached my signature and ask for the immediate removal of the fraudulent debt. This debt has been on my reports since 2007.
Consumer complaint received 2022-08-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

ive contacted both comoanys before and have got no results i want inqurirys removed from my credit report i filed report and see no reason these inquirys are not removed
Consumer complaint received 2017-05-26
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. (TN)

I entered into a trial modification agreement with XXXX XXXX and accepted the 3 monthly payment option from them. The initial payments were due XXXX XXXX, 2017, XXXX XXXX, 2017 and XXXX XXXX, 2017. Although I have made all of the initial payments timely and before the due and ahead of the schedule, these payments are not reflected on any of my credit reports with Equifax, XXXX or XXXX. These payments have not been applied to my account properly and for referenced due dates as listed above. The payments are in a suspended status. This negative action taken by XXXX is negatively affecting my credit score and potentially keeping my score from being higher.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$550.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022