davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

Hello, I asked Experian to delete an Account from my Credit Report but was unsuccessful in my efforts. I asked them to send me proof of validation but they failed to do so. I would like you to look into this and help me correct / delete an Account that is not mine from my Credit Report. 
Thank you very much.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

On XXXX XXXX, 2016 I became aware that I was apparently a victim of identity theft. I have filed multiple cases for both the individual creditor 's and all XXXX credit reporting companies one of which was Experian. As of this morning, there are still ( XXXX ) accounts and ( XXXX ) previous addresses associated with these accounts that are still reporting on my credit file. While I have mailed, uploaded my identification documents and even faxed my documents to the Fraud department for Experian, as of yesterday I am still being told from the Experian Fraud department that they need to have my identification to properly dispute these final items. I have spoken to these ( XXXX ) creditor 's and they have all assured me that my information does not match the information they have on file for these accounts and that I should dispute these accounts with all XXXX reporting companies. At this juncture, I have already have these accounts removed from XXXX and XXXX and am trying again to have Experian dispute these as fraudulent in hopes that it will finally be removed from my file. Please take the necessary steps to re-dispute these accounts along with the personal information associated accordingly.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

For the 4time typing this ; I had XXXX judgments from XXXX that were paid in full from XXXX court.I also had a bankruptcy that was filed in XX/XX/XXXX.that was dismissed for non payment of taxes and not discharged.There might be bank accounts closed from XXXX XXXX XX/XX/XXXX.Also there might be XXXX hard pulls on my report.that were unorthoized.I did apply to XXXX XXXX for a credit card and to XXXX bank for a master cardXXXX were denied.There is no employment history since XX/XX/XXXX.There might be several late payments from XXXX from a XXXX card.There is no other information to fill up XXXX fields.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2016 I attempted to access my credit report online through a credit monitoring service ... the site stated that they were unable to process my request so I called the customer service number listed. They told me that I needed to call Experian to correct some information because what I was entering into their system did not match Experian 's records. I went to Experian 's website and was able to access my credit report using my credit report number and social security number. When I reviewed the report I noticed that there were accounts listed that I did not recognize and the report did not show any positive credit history. I could n't understand what was happening so I called Experian on the phone. Experian 's representative told me that he could not locate my file with my social security number, he could not give me a reason why and stated that he would have to initiate some kind of investigation. I have not heard back from this investigation. I do n't understand what is happening because I just accessed a tri-merged credit report XX/XX/2016. I have had credit for years and continue to have credit accounts at this time so I am not sure what is happening at Experian but I need it fixed ASAP.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (WA)

Equifax has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015 for which I am entitled a free credit report. They advised I am " locked out of their system '' even though I am able to verify and confirm that all my identifying information matches what they have in my file and answer any additional security questions. They were unable to provide an explanation as to why I am locked of their system and are unwilling to provide me with my own credit report or credit file number.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MA)

Creditors cant pull my credit report and i cant pull it myself. I am also unable to modify my credit freeze. I have had this problem twice before and the only way to get it fixed is to file a complaint. When I call equifax everyone is beyond useless. I understand from the last XXXX complaints that my credit report is too long and needs to be cleared out. No one at equifax will believe that when I call. They say it is because of the freeze, but I can still pull my own credit with the freeze through equifax.com. I even offered to remove the freeze, but of course that causes an error and wont work because my report is messed up. I need this fixed and I need the contact information of someone who can fix it if it happens in the future. 
When I try to pull my credit report on equifax.com and i get : We are unable to complete your order at this time. Please contact our Customer Care department at XXXX XXXX XXXX XXXX 24 hours a day, 7 days a week for immediate assistance. Please record the following information and have it available when you call : Eval Code : XXXX Status Code : XXXX, Reason Code : XXXX
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

Equitfax reflects my school loan is defaulted. That is incorrect. I have consolidated all my loans and have been paying my school loan for the past two years. This process is frustrating and has ruined opportunities for me and my children 's education. No other credit report reflects this loan defaulted. Why does equitfax?? How does equitfax pull their data?????
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

There seems to be showing an overdraft account balance of XXXX with my bank from 2002 and I since have paid it off. My account is still the same with the Bank or I would have known about it by now but it is always showing I paid it off.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

While trying to check my credit report with Equifax they asked me questions about a mortgage loan, a car loan, a bank card and a department store card that were taken out in my name, I have no knowledge of any of them because I 've never gotten any type of loan or bank card as it seems I was too young and some where done last year
Consumer complaint received 2016-02-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc. (AR)

Ok, so I have been receiving phone calls from XXXX phone number for the last few days. On the morning of Thursday XXXX/XXXX/2016 I received yet another one. So being fed up with it, I answered and said hello. All they would say and repeat was that they needed to confirm they were speaking with a XXXX XXXX ( which is me ) before they could disclose any further information. I stated that in that case I would not be providing them any further information on my part and hung up. My thinking was " wait a second ''. You want to call my phone and start demanding I provide or confirm for you personal information about myself while refusing to provide me with information. Not ok!. So being that I am a Police Sgt, I went into investigative mode and started digging to see if I could find out anything based on the phone number I had from them. I discovered that it was a collection business called IC Systems. I further found hundreds of complaints from other people following their dealing with this company. So I returned a phone call to them and asked to speak with a supervisor. Once he was on the phone he also repeated the same line about needing to confirm who I was before he could provide any further information. I explained to him again that I would not be providing any personal information and since he or his company were the ones who had contacted me, they needed to be the ones that were forth coming with information, since I had no way to " prove '' who he was. I also explained that I viewed their telephone communication with me to be harassment and that I demanded my number be removed from their calling list. He said that he could do that and would. If I owe a debt that I am unaware of fine, but how about calling and saying, Yes this is so and so and we have been retained by so and so to attempt to collect a debt that they claim you owe them. At this point I would have the ability to research for myself if I had forgotten something and get back with them. But no, they chose to try and act all secretive and shadowy which if they are legit in their pursuit, it is a very poor way of handling business. I ask that you as a consumer protection agency, please assist me with dealing with this matter. Thank you in Advance
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (AZ)

Received debt collection notice from IC System for XXXX XXXX for {$83.00}. This is not my bill I have n't had XXXX for probably 20 years or close to it. Called IC System and they said this is due to be reported on my credit XXXX XXXX. I can call back in 30 days to check on dispute. I want this resolved immediately. I have good credit and this is not my bill. Account # XXXX and IC System reference # XXXX.
Consumer complaint received 2021-03-23
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. (GA)

XX/XX/XXXX is reporting on my credit file and I have never had an account with them. My name is very common and I often have issues with Mixed files. 
I called XXXXXX/XX/XXXXand was on the phone for over an hour and they can not find me in their system under any of my information. They also agreed that maybe it is another XXXX XXXX that is accidentally reporting on my credit or this is fraud. I need this removed as there is nothing you have on file with my information.
Consumer complaint received 2016-09-07
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MT)

A buyer started a fraudulent dispute wanting his money back. He was supposed to return the item he purchased for {$2800.00} before PayPal refunded the money. The buyer then returned a cheap {$75.00} item and PayPal returned the {$2800.00} to him. I started a complaint with PayPal and they requested among other things an internet fraud report ( FBI ), photographs of the piece sent and the piece returned, a professional appraisal of the item received and the item sent etc. After I provided all the paperwork requested, I spoke with a PayPal representative and was assured she would look into it. PayPal ignored everything I supplied. I lost the money and my item to the swindler who had to proof nothing and with PayPal 's help got away with this scam. I am concerned he will do this again and again and other people will be scammed out of money with PayPal acting in such a unjustified and unprofessional manner.
Consumer complaint received 2015-04-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (WV)

I called Telecheck on Friday XX/XX/XXXX & spoke to XXXX. I explained that we had unplugged our XXXX machine at the close of business on XX/XX/XXXX. At that point we stopped processing check payments electronically the equipment had been returned & our lease had been cancelled & settled. 
I was advised to notify them by fax that I was cancelling our service. The statement I had received indicated that it covered the XX/XX/XXXX through the XX/XX/XXXX billing period. It showed that they intended to withdraw {$10.00} from my bank account on XX/XX/XXXX. Since their services were not utilized in this time frame, I respectfully requested that they cancel this transaction. They did not cancel the transaction and the charge went through for the XX/XX/XXXX cycle although their sevices were not used in XX/XX/XXXX. 
I then received an invoice for the period of XX/XX/XXXX-XX/XX/XXXX. I immediately called and spoke to XXXX. She explained that our cancellation, although submitted and received on XX/XX/XXXX, was not affective for thirty days from submission. She advised that our cancellation order was not applicable until XX/XX/XXXX. I explained to her that their services were not utilized during XX/XX/XXXX and that this is an unethical business practice. I advised that I would be reporting this practice to the Consumer Financial Protection Bureau for their investigation. I then contacted our bank and stopped the withdrawal for payment of this invoice. 
I have now received another invoice for XX/XX/XXXX-XX/XX/XXXX including additional fees. I have mailed a letter to Telecheck advising of what has transpired and that this invoice will not be paid. I have attached copies of the relevant correspondence.
Consumer complaint received 2021-04-21
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. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2016-10-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (OR)

My daughter neglected to pay her first three months of her SallieMae student loans that I had co-signed on. Once I became aware of this I immediately called SallieMae to pay the delinquent loans in full and pay them forward until XX/XX/XXXX. My credit score has been between XXXX-XXXX for the past 15 years. The delinquent loans ruined my credit, my score is XXXX. I am trying to refinance my home to consolidate these loans at a 3.6 % interest rate, rather than the 9 % current loan rate with SallieMae. I contacted them on XX/XX/XXXX asking them to send my Credit Union a letter on their letterhead explaining that I immediately paid the delinquent loans off and forward till XX/XX/XXXX and to note that they were in XXXX rather than XXXX, delinquent status. They told me that they would be mailing this out to me the following week. I was shocked that it could not be e-mailed to me and that I would have to wait for it to be 'snail mailed! '' They apologized for the inconvenience but would not email it to me. I made the request over the phone on XX/XX/XXXX, on XX/XX/XXXX I called SallieMea to ask if it had been sent and they said it went out on XX/XX/XXXX, 12 days after my request! This absurd " snail mail '' delay is holding up my opportunity to do a rapid reassessment of my credit score and re-finance my home. I called them again to ask if they would remove the delinquent payments from my records ( because I had paid them immediately once I found out they were delinquent, and paid them up until XX/XX/XXXX ). The customer service agent with SallieMae told me to write a letter and send it to them via the postal service i.e. " snail mail '' then they would have up to 30 days to reply! This is completely unacceptable customer service! I have no recourse but to do this and wait? What if they deny the request? Then I will have waited six weeks ( two weeks for it to get to the appropriate person and up to XXXX to answer and send it back to me ) to see if they will approve this request? What kind of customer service is this? Why ca n't these requests be expiated by electronic correspondence? I find this antiquated and troubling. I am trying to refinance my home and repay these loans, they are slowing the process to a sloth crawl! This is unacceptable and should be changed. It is XX/XX/XXXX, we do n't do important time sensitive transactions via snail mail when we have e-mail. Please let me know how you might help. Thanks you
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (MA)

I have a PayPal credit account. The credit account includes credit from PayPal directly, and a link to my XXXX credit card. I once paid a PayPal credit bill using direct pay from my bank account. On XXXX XXXX, PayPal, without my consent, or any notice to me, debited my bank account for a PayPal credit transaction. I never gave authority for PayPal to ever directly charge my bank account.
Consumer complaint received 2015-07-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SACOR FINANCIAL, INC (CA)

SACOR FINANCIAL, INC has been debiting my account on a debt I owed and agreed to pay XXXX a month. The last letter I received was with a balance of XXXX XXXX/XXXX/14. I called today to find out why they are still debiting my account and they said I still owe XXXX. I asked why my statement stop showing my balance and they said I still owe more money. No where did it say I owe more money. I need help with this matter.
Consumer complaint received 2016-01-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (NC)

My credit card charged me interest but according to the statement I should not have paid interest. See below : Per my statement below is how the interest should be charged : Avoiding Interest on Purchases ( Grace Period ) : If you have both Purchase balances with an APR greater than 0 % and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases by paying {$4700.00} ( this amount includes any Minimum Payment Due required to avoid a late fee ). Please refer to the " Accrual of Interest and How to Avoid Paying Interest on Purchases '' paragraph on the back of this Statement for further detail. 
Per the back of my statement as reference above : B. If you have Purchase balances with an APR that is greater than 0 %, and you also have other types of promotional balances on your account, you still may be able to avoid paying interest on those balances without paying your Statement Balance in full. If this applies to your Account, you will see a Paragraph titled " Avoiding Interest on Purchases ( Grace Period ) '' appearing directly below the Interest Charge Calculation section on the front of this Statement. This will show the amount you can pay by the Payment Due Date and still avoid interest charges on your Purchase balances. 

I followed these terms and paid the amount in full by the due date of XXXX/XXXX/15 but they still charged me {$65.00} interest. Their response to my inquiry was that since the balance was for a promotional offer that ended on XXXX/XXXX/15, there is no grace period and interest started accruing on XXXX/XXXX/15. If that is the case it should be clearly identified as due XXXX/XXXX/15 to avoid interest on the statement. The statement is misleading at best and they should not print this on the statement if it is incorrect. Had I known there was no grace period I would have paid by XXXX/XXXX/15.
Consumer complaint received 2016-10-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (CA)

On XXXX/XXXX/2016, XXXX # XXXX from Sallie Mae assisted me with applying for a lower monthly payment of XXXX, which would be automatically deducted from my account every XXXX of each month for the duration of 24 months. On XXXX/XXXX/2016, XXXX who is the account manager assigned to me had informed me that in order to avoid getting a negative report in my credit, I should apply for a forbearance. Evidently not having enough knowledge with student loans, I agreed to apply for the forbearance. Per XXXX, with a one-time payment of XXXX, my loans will be in current status instead of past due. I received a letter from Sallie Mae dated XXXX/XXXX/2016 that they were not able to process my request at this time and that my loans are not currently enrolled in the forbearance program. On XXXX/XXXX/2016, I spoke with XXXX and informed her about the letter that I had received. Per XXXX, this was a misunderstanding since her supervisor failed to approve the request. Per XXXX, she would ensure that she will submit the request to her supervisor for approval. On XXXX/XXXX/2016, I went online once again to check the status of my loan. Still, it was past due. I called Sallie Mae and spoke with XXXX that same day and was told that it was a mistake on their end and that my request for forbearance would be process at this time. Per XXXX, I should wait XXXX48 hours for the request to be processed. Today XXXX/XXXX/2016, I checked my Sallie Mae account online once again to check if my request had been processed. Yet, I got the same outcome. Loan still says that it is past due. I called Sallie Mae and spoke to a man named XXXX. Per XXXX, my request is currently being processed and should check back again this Friday. 

To summarize, I have been very dissatisfied with the service I have been receiving with Sallie Mae. I was told that I have been assigned to an account manager to further assist me with managing my account since it is past due. However, I evidently see no changes. All I wanted was to apply for a forbearance to bring my account current. Sallie Mae has been causing me, especially my father ( co-signer ) unnecessary emotional distress.