davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX, I obtained from Experian the annual free credit report to which consumers are entitled. I noted there were XXXX hard-pulls for information from " XXXX XXXX '' throughout XX/XX/XXXX I have nor have ever had any accounts with XXXX XXXX or their affiliates. I received no solicitations for credit card business from XXXX XXXX. I similarly have no credit, gas, or store cards. I immediately disputed this with Experian, requesting an investigation. I similarly contacted XXXX XXXX numerous times, and they refused to provide any explanation. 

Similar " XXXX XXXX '' inquiries have been made of another c.r.b. during the same time period. 

Also, during the time period in which these inquiries occurred, I was involved in a dispute with a local attorney regarding an estate matter. I find the correlation between these XXXX seemingly unrelated matters very curious. 

Experian 's response was to simply remove the entries from the credit report without providing an explanation. I sent Experian a letter on or about XX/XX/XXXX expressing my dissatisfaction for the trivial way in which they handled my concern. Today, XX/XX/XXXX, I received a revised credit report that omits the " XXXX XXXX '' requests. No explanation was provided for why XXXX XXXX, or someone purporting to be them, made these XXXX requests, and Experian likewise complied each time XXXX XXXX times in XX/XX/XXXX ). This activity is highly suspicious. XXXX XXXX will not acknowledge requesting the information and Experian refuses to address the incidents. 

I have spent considerable time trying to resolve this through all available means ( electronically, telephone calls, and standard USPS mail ) I am concerned both that the requester may not have been " XXXX XXXX '' and that Experian inappropriately furnished information to the requesting parties. The concerns are further legitimized by the seeming unwillingness by Experian to provide me the results of any investigation that may have ensued. 

I respectfully request for assistance in obtaining an investigation or the results of any investigation already conducted, as well as those which may be conducted, into why this incident occurred. Thank you for your anticipated prompt attention to this matter.
Consumer complaint received 2015-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IA)

I have several accounts on my credit report which were charged off and a XXXX ( I think it 's called ) was sent to me. I therefore reported this as income, and paid taxes on it. They 're still reporting on my credit report as owing them money. They 're reporting negatively every month. 
Second situation is that I 'm paying on a second mortgage and have been in good standing, which is not reflected on my credit report. My contact at the credit union contacted them with the correct updated information. However, it is still reporting negatively on my credit report.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I checked my credit report on Experian XXXX weeks ago and noticed that they are reporting negative remarks on XXXX of my student loan accounts almost XXXX years AFTER it was paid in full and closed. It was paid in full and closed in XXXX of XXXX, but on my report they had an updated remark stating that it was a " collection '' as of XXXX, which is not accurate. I felt it was hurting my score so I disputed it as incorrect information. 

When the dispute came back Experian updated it as a " collection '' current as of XXXX of XXXX, and because of that my credit score took a XXXX point drop after the result of the dispute of the XXXX accounts. In the eyes of FICO, this is considered a new negative account. As of now I 'm paying, from a credit score prospective, for these negative accounts XXXX! They are not set to fall off until XXXX, so it 's not fair I get hit with score penalties XXXX. I 've come a long way and to be penalized a XXXX time is not fair, but more importantly, not accurate. 

So out of frustration I called Experian and spoke to a lady who said that is incorrect on my report and that they ca n't report an account as a collection XXXX years later after it was paid and closed. She stated that she would re-dispute the accounts because that is not correct. She assured me it would be fixed this go around in disputes. She did also say the reason it was being reported as such is because that is all the information they have ( which again is not true per my report from XXXX ). So I called XXXX and spoke with their credit reporting department and a gentleman told me that he will send correct information to Experian to alleviate this error. 

This morning the XXXX round of disputes came back and my scores took another XXXX point drop. This is beyond frustrating because this is now a XXXX time I 'm paying, score wise, for a negative account which accounts for a XXXX point drop in my FICO score for an error. It 's simply not correct. I 've exhausted all avenues with both the loan provider and Experian ( XXXX ) to correctly report my accounts without resolve. There is nothing more frustrating than having proof that this is incorrect and nobody does anything to help correct it. I 'm hoping this with get resolved with CFPB. 

I am uploading the current report that I received from the dispute as of this morning ( XXXX/XXXX/XXXX ), along with my report from XXXX of XXXX showing the accounts were paid and closed at that point in time, and also a letter directly from XXXX as of last year ( XXXX ) stating the same exact thing as my XXXX credit report. Experian did not take any regard to this letter, or their own report I sent them from XXXX. 

As far as the outcome I 'd like it to be reported correctly. In other words have all XXXX accounts last reporting mark as of XXXX and nothing on my report for the last XXXX years. 

Please help!
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF THE WEST (CA)

Refused to cash a check made out to nickname because according to them nickname is none-XXXX nickname while my real name is an
XXXX name in a foreign language. I provided proof with university documentation that lists both names as well as utility bill for the past year which were billed under my nickname, but they rejected documents. When asked about common nicknames, they suggest that " normal '' name variations would not be scrutinized.
Consumer complaint received 2016-11-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IL)

I received a notice from Seterus regarding my monthly payment and I paid the amount that Seterus told me I owed, then my interest rate on my harp loan was increased, which increased my monthly payment when I became aware of the situation I contacted Seterus and was told that one of my payments went towards paying fees, I was also assured that Seterus had discovered the mistake and it was going to be taken care of and the payment I made would be put towards my monthly payment, I also made an additional payment to take care of the increase in my interest rate, a couple of weeks ago I discovered that Seterus did n't put my payment towards my mortgage but kept them as fees which left me a month behind, so I contacted Seterus and was told that I had to fax my request because the initial request could n't be processed in house, so I faxed my request as instructed and just received a letter from Seterus which looks like a veiled threat to repossess, I also do n't know how much fees were added to my account because of the confusion by representatives of Seterus, at no point was I ever contacted by Seterus or was giving an opportunity to rectify the situation when I first contacted Seterus, in fact, I have been assured repeatedly by representatives of Seterus that the problem was their fault and could be rectified without any issues
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (ID)

I have been trying to dispute a report. My tax liens have been removed as of XXXX XXXX,2015. I have a letter from the IRS notifying me that they were released. However they continue to be reported on my credit report. Each time I look up how to dispute a report I am taken to blogs about credit/collections advise. I only want this taken off my report. I am trying to buy a house. please take these off my report.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

XXXX debt is over 7 years old. The debt is paid off as it was consolidated. There has been no data reported since 2012. I have repeatedly informed the credit bureaus of this and it should no longer be showing on my credit report and I wish for it to be removed. They refuse to remove it.
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

We send seterus a check # XXXX for amount of {$660.00} on XX/XX/2015 seterus mentioned on their monthly statements checks received after XX/XX/2015 will have a late fee added on to, for sure they received the check before XX/XX/2015 but they waited until XX/XX/2015 to cash it so they can add a {$10.00} late fee to it and this was not the first time seterus has done this.
Consumer complaint received 2016-05-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

ProCollect took on an alleged debt from XXXX XXXX XXXX XXXX for a {$41.00} charge to me that was never even sent to me by XXXX XXXX XXXX, and ProCollect posted this alleged debt against my credit without ever trying to collect it from me beforehand. In order to get my credit score back to normal, I even paid ProCollect this {$41.00} over a month ago and they still have it lodged against my credit score. I 've called them twice, given them the check info ( they cashed it on XX/XX/XXXX ) and they continued to play ignorant about it all. What can I do now?
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I did not consent to these negative and inaccurate information to appear on MY credit / consumer report. 

XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 2021
Consumer complaint received 2015-06-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (VA)

I took out a loan with CastlePayday a couple of weeks ago. They took money out for the XXXX payment on XXXX XXXX. When dealing with a different loan issue, I realized that I did n't have a copy of my contract for this loan. I called them today, asking for a copy of the contract. They sent me a schedule of payments but no contract. I called back to request the terms of the loan. The person I talked to that time, said that it was not a payday loan, but that it was an installment loan. I told him that I was aware that it was an installment loan, but that I still wanted a copy of my loan paperwork, since none was ever made available to me, and it was n't sent when I had just asked before. Again they sent a copy of the payment schedule, again, not what I was asking for. I looked back in my emails from them to see if I missed something and all I found was information I should know about my loan which included a notice that failure to make timely payments would enact applicable tribal law, and they would send over the loan to a XXXX party in the event of default. That 's it.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WI)

I have been on a debt mgt program since XX/XX/2016 yet some of the credit card companies have been reporting me late. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AL)

I paid ALL of the open collection accounts on ALL XXXX my credit reports during the summer of XXXX. In XX/XX/XXXX. I received notice that collection account from XX/XX/XXXX had been added back to my reports ( for a second time ). The collection account appeared on my report several years back, but due to issues with the original creditor changing management companies, my collection account was removed. It is my understanding that a collection agency can not " re-age debt ''. I called all XXXX agencies explaining that this was the second time that this account had disappeared and reappeared on my credit report. After rude conversation with multiple agents, I gave up. This past week the exact same thing happened. The collection account was removed and added back to my report due to a " glitch '' in their system. I was told that a glitch in the system was confirmed and that I needed to call back within a few days to discuss having the debt removed frm my report. I was also told they would not remove the debt until they figured out what caused the system to fail. I then spoke with someone else who would not confirm anything and was MORE than unwilling to assist me. Within days, this collection account and multiple inquires were removed and added back to my account. This has happened several times particularly with this one collection account.
Consumer complaint received 2016-05-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

It has been two years and equifax does not allow me to pull my credit report. They told me that it is in the Dept of consumer affairs indefinitely. It has ruined my life. I can not shop for a mortgage or car or anything. And it is very difficult. They allow a thirty minute window for someone to pull it and then that window is closed. 
Please tell them to release my file. Thank you
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Unlike XXXX and XXXX, Equifax has merged my credit report with that of my sister. I disputed all of the inaccuracies with Equifax almost a month ago. For the disputes to be processed, I faxed them a copy of my driver 's license and social security card, uploaded a colored photo of my driver 's license and social security card on the dispute page on their website and e-mailed them a colored photo of my driver 's license and social security card at XXXXXXXXXXXX. YET they still refuse to process my disputes and keep sending me emails ( where they address me with my sister 's name instead of my name ), asking me to fax them a copy of my driver 's license and social security number. I sent them numerous e-mails on different dates ( please see attached ) yet they still keep asking for the very information that I already provided them!
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (FL)

I am a victim of identity theft. My Discover credit card was used without my authorization. I contacted Discover card and submitted a fraud dispute. As per Discover dispute department requests, I submitted a affidavit and filed a police report. Discover is stating they denied my dispute and will transfer the balance to my account. I spoke to XXXX a representative at Discover Dispute and requested to speak to a supervisor. I have not received a response as of yet.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (WA)

Discover canceled my card for inactivity and they did so with a complete lack of adequate warning. Since I am a XXXX, I know that this will impact my credit score as this was my oldest open credit card and it will reduce the total credit availability to me so my utilization rate will now increase. I received an email on the day they closed my account ( XXXX/XXXX/15 ) saying that my account had been closed for inactivity. When I called customer service, they said the account had already been closed and could not be reopened without new application, which defeats the point. 

When I expressed my dismay that they did not provide any notice, they said two things that I can not accept : 1 ) " Well, we sent you a letter on XXXX/XXXX/15, '' XXXX it may have been XXXX ), and 2 ) " We are not required to provide any notice. '' First of all, sending me a letter 2 days before you take action is not " notice. '' I actually still have n't received this supposed letter, but even if it had the correct address or they really mailed it, I still would not have received it in time to use the card and prevent the closure. Second, the fact that they said they are not required to provide notice really irritated me. I have been a customer of theirs for 19 years and have almost an XXXX credit score. Just because they do n't HAVE to does n't mean it is n't good business to do it. So, I told them I 'd be complaining to the CFPB because maybe they SHOULD " have to '' as it negatively impacts people 's credit score when it happens. 

I think you should make a rule that they have to provide 30 days notice before closing a card for inactivity. It also sounded like they can define the length of inactivity that warrants closure as they see fit, so I think another component of the rule should be an industry standard for what length of inactivity has to be met before closure can happen. 

Because I work in financial empowerment, I know this probably happens to a lot of people who do n't understand how it will impact them. For example, I am JUST about to apply for a HELOC and this could impact my interest rate or even my ability to get approved. Could you imagine if I were in the process of buying a home and my lender had given the typical " do n't change anything with your credit '' instructions and then this happened before closing?! It could tank the whole deal for someone. I 'm making sure that someone who can do something about it hears about it. I hope you 'll make a rule so other consumers can avoid this.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I was trying to temporarily thaw my credit for me and my wife on XXXX XXXX, XXXX. Due to a glitch on the Equifax website the transaction of {$20.00} was repeated for a total of {$80.00}. I wrote a certified letter to Equifax on XXXX XXXX, XXXX. According to the USPS tracking information they received the letter on XXXX XXXX. As of today, XXXX XXXX, XXXX, I have not received any reply from this agency. Attached are a copy of the letter sent to Equifax, a credit card statement with the charges, and a copy of the USPS tracking for the letter.
Consumer complaint received 2015-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (LA)

Dear Sir/Madam, Since Seterus, Inc took over my loan from XXXX XXXX XXXX in XXXX 2013, I have been experiencing multiple problems. I was told that some payments were missing. I sent proof in the form of cancel checks and bank statements. It seems that Seterus, Inc will always come up with something new after submitting proof of evidence. This has been going on for about two years. 
Therefore I asked XXXX for help.We spoke to a Vice President by the name of XXXX XXXX XXXX who mentioned that my XXXX 2013 payment was missing and that I should send proof to the Michigan office and all will be settled. 
A XXXX XXXX asked me to send copies of XXXX check and bank statement which I did. 
Recently, a XXXX. XXXX wrote me advising me that my loan was delinquent and all payments were applied to the loan without explaining to me how and when the delinquent took place. 
For about two years now, XXXX person will say XXXX thing and another person says something different. 
This has caused my credit to be poor. 
I need some help and thanks in advance. 
Sincerely, XXXX XXXX.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

I tried to obtain credit from XXXX XXXX. They informed me that my correct and current phone # is reflecting on my credit report. Since I have a fraud alert I was unable to obtain credit and had a hard inquire effecting my credit score. I have contacting the Equifax on numerous occasions since XXXX 2016 informing them of the situation and they assured me that this issue will be resolved and my correct personal information will reflect on my credit report. This has not take place!
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-06-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (CO)

I bought furniture through Conn 's and financed it through their company for a period of 31 months @ {$230.00} dollars a month. Conn 's has arbitrarily elected to change the terms of our contract without my consent and increase the term of payments by 4 months. Conns is attempting to make me pay {$940.00} dollars over and above the {$7300.00} dollars I contracted to pay. This is a breach of contract and illegal, with them threatening to ruin my credit if I do n't pay. I have asked for proof of the approved extension and they admitted they had none, during a call I had with their representative on Saturday XXXX XXXX @ XXXX XXXX. I am asking that CFPB take action to protect this consumer from predatory and illegal lending practices.