davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NY)

I received my EQUIFAX credit report and discovered that XXXX XXXX had fraudulently initiated an inquiry into my credit report on XXXX/XXXX/2015 without my written authorization. 
This acts of misdeed of the employees of XXXX XXXX Delaware is in clear violation of my privacy Acts, where I had not consented to this inquiry.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have disputed with Equifax and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All three bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Equifax make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Equifax or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TX)

my mortgage compnay is handling escrow account inappropriately i requested the escrow analysis, but they do not provide the information properly. Also, i wrote a letter to request to close PMI, but they would n't close PMI in escrow. I called numerous times about this matter, but they would n't close it.
Consumer complaint received 2021-11-25
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: EQUIFAX, INC. (TN)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (LA)

After subscribing for some time to Equifax monitoring, I decided that the service was simply too expensive to continue. After logging in, and searching ENDLESSLY for a cancellation feature, I FINALLY found it by doing a website search. In order to cancel your account, you MUST call Equifax ... what a HASSLE!!! OK I called Equifax ... .navigated a confusing number of options on who to call. Called but was told I needed to go to another option, dialed back wasting more of my valuable time. I then waited on HOLD listening to bad music for nearly 15 minutes!!!!! After finally talking to the operator, they asked me all sorts of questions, in fact it was my feeling that they were trying to find a question that you may not remember from the sign up process ... ..totally needless in my opinion and unnecessarily simply to cancel an account. When I could not remember one of the numerous questions I thought they were not going to allow me to cancel. Luckily I had the name of my fictitious pet name written down!!! Then they started to ask me all sorts of never ending questions of why I wanted to cancel ... ..THEN ... they started to try to sell me on staying or subscribing to another product and telling me all of the negatives why I should not cancel. Finally I lost my patience and demanded that they just cancel the service. I felt bad for this person who is obviously trying to do their job, but this was just too much. 
Is it not bad enough that we the consumer MUST PAY to monitor ERRORS that they collect on our files? For the high cost that I must pay, there should be at least an EASY WAY to cancel your service. 
I believe that cancelling an account you are paying for should be EASILY ACCESSIBLE without going through their labyrinth to discourage people from actually completing the cancellation. 
I guarantee you that many people would have given up putting this off to another day, and that I believe is the intent of this ridiculous process.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

On XXXX/XXXX/16 Equifax reported XXXX accounts from XXXX which in which XXXX XXXX was the original creditor ... .I disputed the account because I never lived in XXXX XXXX so Equifax DELETED the accounts On XXXX/XXXX/2016 Equifax repoted the same accounts under a different debt buyer. XXXX. I was not notified of the accounts. This is re-aging an account. Equifax an XXXX have not validated the account according to the FCRA
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AL)

XXXX Removed this from my Credit Report and added it back on with out my knowledge. I have dispute this and they denied my dispute. I know have this redispute. I need to see how can I get this removed. I have not received any mail or telephone calls on this. I am really in the dark on this collection.
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

I am being denied a loan because of a " Dispute '' Status on my credit report. It was removed by the other XXXX Credit Reporting Agencies. 
XXXX has stated they are working to remove this. 
The remark is false. XXXX failed to close my account as requested and charged me fees for years without contacting me. They admitted fault and paid all the fees. It was resolved. XXXX promised they would remove this from my credit about ten years ago. My report shows it was in dispute and XXXX settled for less than the owed amount. I never did anything wrong. They are now " working on it '' again. 
This needs to be removed from my report. The fact that it only on XXXX report, shows there is a clear error.
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with XXXX BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX 1999 and have not removed it from my credit report. 
Equifax should have removed this from my credit report years ago.
Consumer complaint received 2015-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I have contacted Equifax Regarding Unauthorized Inquiries on my credit report, and I have supplied Equifax 's Fraud Department with the police report and they still did not address the concerned. They simply stated that I contact the creditors themselves and ask them to remove, however in speaking to them they referred me back to the credit bureau. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Fraudulent InquiresXXXX XXXX XXXX, XXXX XXXX XXXX XXXX BANK XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (FL)

I have a fixed principal student loan with a fixed interest rate and a fixed monthly due date. I have made every payment prior to the due date. I have never been late and never incurred any fees or penalties. Nelnet sent me a notice that my monthly payment is increasing because my loan has been " re-disclosed. '' They say I have not paid a sufficient amount toward the principal because of the way Nelnet has applied my payments. How can Nelnet short pay my principal due if I have been early with every single payment? If they are insufficiently applying my payments to principal as per the agreed upon loan schedule, that is their poor accounting. 

I have written to Nelnet via their website with no response. They say it takes 5 business days to respond. It has been over 10 days. 

I have written Nelnet again directly by e-mail and they have not responded. 

Customer service on the phone knows nothing other than my loan has been " re-disclosed. '' If they scam me for $ XXXX, $ XXXX, that is {>= $1,000,000} in annual fraud based upon only XXXX XXXX loans serviced. That does n't account for the XXXX of accounts they say they service and it does n't adjust for any future improper re-disclosures they may decide to invoke. Re-disclosure on a timely paid account is a scam and a fraud. Please help.
Consumer complaint received 2015-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

ENHANCED RECOVERY COMPANXXXX XXXX XXXX, XXXX ( XXXX ) XXXX age of account I do not owe shows XXXX XXXX 2014. The company lies on my credit report and when I contacted them they said they will move this to XXXX XXXX XXXX Please see attached copy of the report.
Consumer complaint received 2016-12-27
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: KEYCORP ()

Dear sirs, My name is XXXX XXXX, XXXX. XXXX and I am writing to you on behalf of XXXX XXXX, XXXX. XXXX XXXX has a bank account with KeyBank in XXXX, Ohio, which refuses to release the fund to her. Briefly about the background - XXXX XXXX XXXX had a sister, XXXX XXXX who passed away on XXXX XXXX XXXX and XXXX XXXX was declared the heir of her late sister 's funds on that very same bank account, as they were both joint owners of the account. She first requested the bank to close the account and send her the money in XXXX of XXXX. The bank ignored her requests and continues to do so to this day. It took XXXX XXXX XXXX a year and a half to get Keybank to respond to her numerous phone calls and faxes. After all that time XXXX XXXX XXXX of Keybank responded to her email, saying on XXXX XXXX XXXX that all her documents are in order and that " the account will be close in XXXX3 business days and the check will be mailed to the address on file. '' The check still has not arrived.
Consumer complaint received 2020-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (PA)

This is in reference to a deferred loan that isn't due until XX/XX/2022. 
I have asked the creditor to send a statement about loan with the following information included ; outstanding balance information, amount due and payment due date. I can not resolve any issues with this creditor without this information. I can not access my account. 

Sallie Mae has sent notification letters about past due account without providing the amount past due or past due date. I need this information to proceed, if necessary. 

Sallie Mae has refused to provide me with the necessary information to review my account and resolve any issues of payment.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Focus Holding Company (MA)

I have tried to contact FOCUS RECEIVABLES MANAGEMENT Wed, XX/XX/2017, at XXXX during business hours after seeing they are charging me XXXX $ for a XXXX fee on my credit report. I have called comcast and questioned them about it, since i still have an account opened with them, and they are not aware of such charges. Please do something about this so it leaves my credit report because it is holding me back from rebuilding my credit. Thank you.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (WA)

Hello there, I 've been a member with  Key  Bank since  XXXX . I have a Key Previlege account and CD account with  Key  Bank and was told that I will not be change a monthly maintenance service charge per their Personnel Banker  XXXX   XXXX  on my Checking. I did not realize that this account was being charged monthly service fee since  XXXX  of  XXXX  thru  XXXX   XXXX  .This is my savings account for my widow mother. When I received the statement for this account, I did not check activity detail indicate on the statement that  Key  Bank was charging me a monthly fees. Due to the fact that I was told no monthly fees, I did not double check the statement. When monther needed the funds and notice the monthly fees indicate on the statemented for  XXXX   XXXX . We question Key Bank. This is when I call the customer service and spoke to  XXXX  on  XXXX   XXXX   XXXX  was told that she that their system was not able to link my account together since I original open  XXXX  account in  XXXX  since  XXXX  and recently open a CD in  XXXX  WA. I know that it was my mistake for not reviewing the statement monthly, but since this was a raining day funds for my mother I did not think about checking the detail and told upfront no fees would be charged.. I was advise by their customer service (  XXXX   ) t o close my current checking account and open a new account which I did. I feel I am a victim of FRAUD by  Key  Bank and dishonest done by their employees. They were dishonest with me and was told that I will not be charged. I tried resolving this issue with  Key  Bank and after 16 days of waiting for a response I finally received a return call from the Branch Manager  XXXX   XXXX  that the company will only refund the service fees of a couple month. I am asking for t he Seven  month refunds of the service fees that they charged me totaling {$170.00}. I feel that I was taken advantage of. It 's not my problem that there system is not able to link out of states account. I should not pay the price for their system failure.     Thanks  XXXX
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (CA)

I have contacted Chase to validate a debt that is being reported on my Credit Trade Line. XXXX XXXX XXXXXX/XX/XXXX # XXXX. This debt is over 7 years old, since XX/XX/XXXX, but continues to be reported and collections continue. In accordance with the provisions of the Federal and State Fair Debt Collection Practices Acts and the Federal Fair Credit Reporting Act, please consider this letter a formal dispute as to the inaccuracy of the item posted. 

FCRA 605 ( C ) running of reporting period states : ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ) charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the day of commencement of the delinquency which immediately proceeded the collection activity, charged to profit and loss or similar action. This debt originated XX/XX/XXXX, but continued collections XX/XX/XXXX and beyond. ACCORDING TO THE CONSENT ORDERFILE NO. XXXX Chase JP Morgan ; Chase BankCard Services continues to collect on this debt in violations of Sections 1036 ( a ) ( 1 ) and ( a ) ( 3 ) of the Consumer Financial Protection Act
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AFNI INC. (NY)

I disputed this bill thru XXXX and XXXX closed and removed and then it was removed from my credit repot effective XX/XX/2017. I thought it was over then Afni picked up an bill that was closed by creditor in the amount of {$1100.00}. Afni then went to contact my entire family. My XXXX year old father. Threatening everyone stating they where from court systems and that an warrant was issued for my arrest. Then they went on to call me after going after my family called me a liar and I asked them to not contact me again.I consider this a defamation of character an would like to see Afni get what they deserve.. I just really want this off my report for good as agreed by XXXX. I wish I could sue Afni. The nerve of them to go back into old closed court records and tell my family I am a criminal while I have lead a productive career.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: U.S. BANCORP (IL)

I received a call on XX/XX/XXXX from XXXX stating in a very abrupt manner " You have XXXX hour to contact XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX concerning a legal matter and failure to due so will result in Garnishing of your wages and seizure of your home and car. I immediately panicked and contacted the number. I was placed on hold for several minutes then a representative got on the phone and stated that I owed about XXXX to a bank in XXXX, Ohio they said I opened an account with and needed to set up a XXXX dollar a month payment plan before the end of our call in order to stop the wage garnishment and other results. I explained to them that I did remember using this bank over 7 years ago but I do not believe I owed them that much money because I recall closing out the account. I also asked why they never sent this information to my address and they stated they sent the information to my last publically recorded address. I told them that I had not lived at that address since XX/XX/XXXX and could they please send the information to my new address. They responded no and that the bank had done there job by law because they sent me the letters to my last recorded address. They also stated that I could not be sent a copy of my charges because they had already done so. They also stated to me that I could not contact the bank for these charges until after I made my first payment. Therefor, I acted on impulse and fear and gave them my debit card number. After speaking to my relatives I learned that this same fraud calling number had been all over the new for fraud tactics. I then attempted to call back the original XXXX number but was redirected to a XXXX voicemail and when I attempted to call back THE XXXX number, I was placed on hold and no one picked up again. Therefore I called both numbers back and left a very irate message requesting to be removed from there calling list. I also contacted my bank to request they block the card and send me a new XXXX. On XX/XX/XXXX I received a call from XXXX stating they were unable to pull the payment from my account. I explained to them that I canceled the card and the fraud tactics they were utilizing left me with unanswered concerns, and they stated they had done all by law they had to do with explaining to me my charges and to remember to appear in court once I receive the court summoning letter.They also stated that I would be responsible for over XXXX in collections after the court appearance. Is this correct? Can they really take this type of action by garnishing my wages and seizure of my property?
Consumer complaint received 2016-04-26
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP (OR)

In middle of XXXX 2016 someone committed fraud on my account. XXXX says that my card was XXXX swiped in XXXX for {$330.00}. I went through thr dispute process and was granted the money back. When the fraud occured, my address was to my XXXX in california. I had just moved to XXXX, or. I was told that i can not update my address until 30 days after fraud. I tried to forward mail from my XXXX, but the replacement card that they were sending can not be forwarded. So i called over and over again to customer service to find out how to get my address updated and my card sent to new address. They gave me a fax number to fax paperwork to, I have had U S Bank branch managers send the info into the fax line amd received several confirmations that the fax was sent on multiple days, times and from different bank locations over the last 3 weeks. After 3 weeks of customer service telling me that they did not receive anything I demanded that they give me an alternate way of sending paperwork because their fax obviously does not work. They now gave me an email. I had the branch managers at the king city location send my paperwork multiple times and cardholder services still claims to have not gotten my paperwork. I have had different supervisors trying to find my information and nobody can. Supposedly the fax line is operational, and supposedly the email address is as well. If XXXX of these were operational, i should have receibed my new card by mail at least two weeks ago. Now i can not buy food for my pregnant wife, i can not buy prenatals for my XXXX wife, and i can not pay rent to keep a roof over the heads of my wife, XXXX month old son, and my new child on the way. I want my card, my money, and i want to be compensated for my losses and damages and pain and suffering.
Consumer complaint received 2017-01-08
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANCORP (CA)

I tried to use my credit card today, XXXX XXXX XXXX, but it got declined. I called the credit card company US Bank only to find out that my card is delinquent and that I have a balance due since XXXX XXXX. However, I never received the XXXX statement even though I received the XXXX XXXX statement and paid it off in full. If you check my record, I have always and consistently paid off my credit card balance on time and in full. Because I never received the XXXX, XXXX, nor XXXX statement, I have accrued {$110.00} in late fees and interest.