davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HANCOCK WHITNEY BANK (AL)

I am a member of hancock\ Whitney bank and I needed a document notarized, upon getting arriving which is a branch I visit daily I asked to have a document notarized the guy who knows me as a every day customer turned to the branch XXXX and asked her was the person there she immediately looked at me and asked are you a customer and I stated " well I do n't know you either '' sarcastically due to her viewing the mutual knowing of a customer she witnessed between me and the teller and she further stated let her check for the guy who has the ability to notarize documents. She went upstairs and came back down and asked me what type of document was it and I asked her why because she 's not a notary and is none of her business, and I told her it does n't make sense for her to get in my business and I still have to wait. she said well sir I will view the document and let him know because we have policies where we can not notarized verbatim on bank time any bank related documents. I told Her okay and allowed her to view and read my document waiting XXXX minutes I noticed a guy walk down stairs and XXXX minutes after that he came up and asked how may I help you, I told him I have a document to be notarized he asked what kind of document do I have because they can not notarize certain documents and the only thing they can notarize is bank related documents. I questioned that and he repeated that they are not allowed to notarize bank related documents. I told him well why did the XXXX get in my business when she knew nothing could be done and had I known this I would 've went to my credit union he apologized and stated is there anything he could do I told him no! I feel like closing my account and walked out. I called another hancock branch to understand the validity of what they stated and a guy on the XXXX XXXX branch by the name of andreu broce answered and told me that the document I had can be notarized as long as it was not a bank document in which my document is not. I hung up with him telling him I 'm on the way and I immediately called the branch on XXXX XXXX demanding answers to why I was made to feel broke and discriminated against in which the XXXX made up all kinds of apologies and now I am at the other branch with a motorized paper from the same bank just a different branch and now I feel I was discriminated against and refused a service that was due to me being a member of hancock\Whitney bank XXXX
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AR)

I have 2 credit cards with Citi, call them card1 and card2. I balance transferred {$250.00} off EACH card to my XXXX XXXX XXXX XXXX card. XXXX sent two {$250.00} payments, one to each Citi card. One of the payments went through correctly to card1, the other did not, to card2.

When I reached out to Citi, they took the payment that went through correctly to card1 and moved it to card2. I called them back to explain that this was an error, as the payment to card1 was not incorrect. There was another {$250.00} payment that was supposed to go to card2, but did not. The missing payment to card2 was the problem. They moved the payment back to card1, but then closed the issue, leaving me with a still missing {$250.00} payment. 

I called back and asked to speak to a manager, since they were having trouble understanding the issue. I was told I could not speak to this persons manager as they didn't have one. I was then hung up on. 

I would like my missing {$250.00} payment found and correctly applied to card2. I would like correctly applied {$250.00} on card1 left alone.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

XXXX XXXX, 2016 Consumer Financial Protection Bureau XXXX, IA XXXX NEVER AUTHORIZED PEN FED TO RUN MY CREDIT AT ALL FRCA Violation On XXXX Reporting On XXXX XXXX, 2016 By Equifax I have noticed that you have placed one or more inquiries on my credit file ( s ). As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Please contact me immediately at the address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. No. XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

XXXX Mn XXXX XXXX / Dob XX/XX/XXXX EQUIFAX CC Consumer Financial Protection Bureau I 'm exercising my rights to request verifiable proof of negitive events you have listed in my credit file The 15 U.S CODE & 1681g - Disclosure to consumer requires CRA to disclose the sources of information reguarding the negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the 15 U.S CODE & 1681g disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you XXXX XXXX
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

There were XXXX hard credit inquires from " XXXX '' and " XXXX XXXX '' on XXXX XXXX, XXXX. I have credit monitoring services through XXXX and XXXX XXXX. I called XXXX and the representative contacted XXXX XXXX and connected me with them through three-way calling. The XXXX XXXX representative stated that they have no record of me applying for a recent loan. In fact, the XXXX XXXX representative stated that XXXX XXXX records showed a delinquent debt that was resolved through Chapter XXXX bankruptcy. I filed for chapter XXXX bankruptcy on XXXX XXXX, XXXX and the XXXX XXXX debt was in the bankruptcy, which was discharged on XXXX XXXX, XXXX. There is no way that I would apply for new XXXX XXXX payday loan after receiving the discharge. I 'm not sure what happened, but I have XXXX hard inquiries on my Equifax credit report that I did not authorize or initiate.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.
Consumer complaint received 2023-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (NJ)

I am filing now a dispute regarding fraudulent activities on my credit report. I first became aware of the fraudulent activities when I received a letter from CREDIT CONTROL , LLC regarding a debt that I did not recognize. I have taken also the necessary steps to protect my personal information. I am deeply concerned about the potential harm this could cause my credit score has been negatively impacted. I have attached a copy of my police report to support my dispute. I am requesting that you remove the fraudulent account from my credit report and take the necessary steps to restore my credit score to its previous state.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AP)

I am stationed overseas and I 'm trying to obtain my annual credit report. The site is saying I ca n't get it while stationed overseas. This is when & why I need it the most. How can one serve their country but be denied their inalienable rights? Then one company sends me a letter telling me to put PII in it in order to obtain my report. If that 's not the dumbest thing ever, I do n't know what is. Put my name, social, copy of personal documents in the mail. Really?
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

Hello, Over a month ago I requested my free credit report from Equifax ... .I regularly check my free credit report with XXXX XXXX XXXX but that is not as complete. Equifax consistently refused to even receive my information online, but when I agreed to pay for it they said they would do it for me. I found mistakes, that were minor but could be a problem for me if they are not corrected. Today I found another mistake by Equifax. They are reporting that an account of mine is still open, although it was closed in a chapter XXXX bankruptcy in 2010. This is the third account that they are reporting as open but included in BK. When I tried to dispute it ( tried 3 times ) they told me that the information that I was giving them was incorrect. It absolutely was not incorrect ... .I have all of the backup information. Equifax is consistently difficult to get mistakes corrected, or even get a dispute started. Basically the first problem that I had with them was that I could not get my free credit report ... .but when I offered to pay for it they gave me the report. This time the problem is a XXXX ( which became XXXX XXXX ) was included in a chapter XXXX BK and discharged. Equifax shows it as open. They also show open a XXXX XXXX XXXX Account that was included in the same chapter XXXX, as well as a XXXX Account. 
Thank You XXXX
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

On XX/XX/2020 I made a payment of {$1800.00} as my monthly payment to LoanCare, on XX/XX/2020 I made another payment towards the principal of {$1200.00}. Then on XX/XX/2020 it appeared that the loan was transferred to XXXX however, prior to transferring they did a misapplication reverse of the total amount above {$3000.00}. LoanCare claimed they mailed a check to XXXX and XXXX claimed they never received a check. I still do not have the money.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OR)

i contacted Equifax online and filled out a dispute about a reported account in collections that is not mine. when i submitted the form they said they cant process it. they stated that i had loans out in the multiple choice questions which i checked 'none of the above '. i have never had loans out. they said that the information did n't match their records and prompted me to fax my drivers license. they did n't give the option to email a copy. im very tired of getting the run-around. attached are the disputed reports. the collection agency said to dispute it with Equifax.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

I have disputed multiple times the incorrect information being reported for an installment loan from XXXX that 's has been continually reported as a mortgage loan and now I am unable to qualify for a first time home buyer loan due to this issue so I am unable to purchase a home and I am going to have nowhere to live due to the fact that my current lease is getting ready to expire.. PLEASE help me, I do n't know what else to do, myself and my son are in a very difficult situation and I need immediate assistance. 

I from the bottom of my heart appreciate your immediate assistance. 
XXXX XXXX
Consumer complaint received 2023-01-31
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. (TX)

This is my next endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 2016-09-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AL)

On this date XXXX/XXXX/2016 ( see attached ). 

Equifax corrected several items off of my Credit Report and deleted them. ( See attached ) On this date XXXX/XXXX/2016, I noticed that these items were in fact not deleted and also left in investigation status which has taken longer than 30 days. 

I understand from the F.T.C. that they can not reinstate things they deleted without notifying me within five days of reinstating them. Instead of filing an F.T.C. complaint I decided to directly to you.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

I have asked that a Federal tax lien be removed because it has been released. The tax lien was filed XXXX and released XXXX. I informed the representative and the supervisor according to FRCA a tax lien that has been paid or released must be removed 7 years from the file date and not the release date. I was informed that tey would not remove the lien for 10 years and they did not care who I called or if I hired an attorney because according to the information they have from the FCRA a tax lien is held 10 years and once paid 7 years from the release date and not the file date. All other credit reporting agencies have removed this tax lien and agreed that the time limit is 7 years. Equifax has caused me loss and denial of credit because they refuse to remove this out dated tax lien.
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I disputed some inquiries that I do not remember doing or recognize. My understanding is that I may dispute anything in my credit file. Then the credit reporting company is to contact the furnishing of the information to the credit bureau to verify. If it is verified then let me know or if its not then delete. Well I received a email from Equifax telling me that inquiries are a factual record and if I disagree than I need to contact the creditor. Well that tells me that Equifax did n't even look into this dispute. That 's not right I have a right to dispute anything in my credit report and the first step in this process is to start with the credit bureaus.. Then they need to do there job and investigate.
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NY)

The United States Postal Service utilizes Equifax to verify the identity of people wishing to use enhanced features of their website. I have been presented with XXXX different questions to verify my identity and each time, the verification fails. The questions asked provide XXXX different answers and then a final " my answer is not shown/not applicable ''. For each question asked, the correct answer IS XXXX of the choices provided. The USPS has told me that this is a service provided by Equifax. Equifax disputes this and wants to send more documents to verify my identity and has been unable and unwilling to address what can be done to correct the situation so that I may verify my account with the USPS. Also, while on the phone with the representatives of Equifax , they repeatedly have asked me to get a copy of my credit report even though I received one this morning. And they do not show any record of that. They 've told me that they do not have my PO Box on file, however that is the address used to obtain the report this morning.
Consumer complaint received 2022-08-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have submitted disputes to you and did not get a response within XXXX days, and you all are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MN)

I disputed a XXXX Tax Liens out of XXXX XXXX, Arkansas ( which I havenever lived ) with XXXX and Equifax. Well, XXXX investigatedand resolved the issue but Equifax did not. They say it " IS '' me and ifI am not, I should contact them. 
This is affecting my life and I need it resolved. 
Thank you!
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

Good Afternoon I am submitting a complaint because there are hard inquiries on my credit report that I did not authorize. Equifax has reported XXXX hard credits I admit some are mine but there are several that are not. Listed below are these accounts and dates inquired. Thank you for looking over my complaint. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) XXXX is reporting a collection for XXXX. XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has gone over the 30 day mark and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, they are required to " delete all information that can not be verified. '' I need your help. Thank you.
Consumer complaint received 2016-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OR)

Lender never issued XXXX Mortgage interest statement for mortgage interest pain in year 2013. As all interest was paid in full from the sale of my home, I should have received a XXXX statement for tax year 2013 which accurately reflect total mortgage interest paid to Seterus Inc .
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

a company did XXXX credit inq on me with the help of cfpb this company agreed to have these inq removed of my credit and i did an online they are refusing to delete these inq XXXX of them there are also issue with them no updating my score when they have to
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax fraud division REPORT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : Regarding account : XXXX XXXX XXXX # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather than using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

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. 

I am a victim of identity theft. I am requesting that this account be block according to the pursuant to section XXXX of the Fair Credit Reporting Act a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the request this is an ongoing issues with Equifax