davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK (IL)

Gateway One XXXX calls me several times per day on my cell phone ( as listed on my appliction ) and also calls references such as my family and discloses my financial information to them if I am more than 5 days late on my payment. The major issue is and the reason for my complaint is that they called a customer service number listed online for my employer. So it happens that I am in charge of the Customer Service team that answers that toll free number listed for my employer XXXX XXXX. This is very embarrassing and should never take place. I do not list XXXX XXXX on my application for credit and Gateway One is not doing business with XXXX XXXX so why are they calling XXXX XXXX? Their contract is with me and I should only be contacted at the # i provided to them XXXX.
Consumer complaint received 2017-01-17
Product: Consumer Loan — Title loan
Issue: Charged bank acct wrong day or amt — 
Company: KEYCORP (ME)

Key bank has an auto loan I took out with a different bank they aquired. I called on Thursday to make a payment to the bank I authorized a payment of {$800.00}. The bank made a mistake and processed two payments for {$800.00} totaling {$1600.00}. When I noticed this they said they can only send me a check overnight in the mail. I will be traveling and needed this money to check into a hotel and they are basically telling me too bad. I
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I filed a lawsuit against Nationstar Mortgage for mortgage fraud that was settled out of court. During the course of actions that I sued them over they took a complete payoff of my mortgage debt, not a short-sale or other negotiation, they accepted in full the amount to satisfy the debt to their satisfaction from another company that I had never been in contact with. The problem is that they still show on my credit, two years later and after we have settled out of court on this matter and several others where they admitted guilt, that they foreclosed on our property and that we owe the total balance, neither of which is true. This is barring me from purchasing another home. This false information has been requested to be removed on multiple occasions. I can show legal court papers showing their payoff was complete two years ago. I believe that this should be enough to get them to remove the negative reporting from my credit, as I was not even delinquent to them at the time of this issue arising.
Consumer complaint received 2022-08-04
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. (VA)

It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX Balance : {$95.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX Bankruptcy XXXX Balance : {$0.00} XXXX  XXXX Balance : {$430.00} XXXX  XXXX  XXXX  XXXX Balance : {$720.00}
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

XXXX took money from my credit card for payment over two years and later sent me collection agency to get their money. Eventually the Merchant Credit took me to court to get the money in XXXX 2015 and they told my to take legal action on the money they took from my credit card. After XXXX 2015 they continued to take money from my credit card even though they told me my account balance is zero. XXXX XXXX Bank put a dispute and when we had a conference call with with XXXX help, they could not provide the answers about taking my money illegally. The collection agency report affected my credit score which I believe was not right.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

EQUIFAX fails to remove the XXXX XXXX account information. EQUIFAX reports incorrectly the account CREDIT LIMIT is XXXX EQUIFAX reports incorrectly the SCHEDULED PAYMENT AMOUNT is {$210.00}. EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NY)

I recently was notified there was a " Fraud Alert '' placed on my file by Equifax. I am in the process of moving and have been denied utility service in my new apartment due to this alert. I did not request for a Fraud Alert to be placed on my file and demand it be removed immediately. I contacted the company several times about this issue and have been unable to resolve this. They requested I send in a request in writing with XXXX forms of ID. I complied with their request and the Alert remains.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

The spelling of my name is incorrect on my Equifax credit report. I am filing a derogatory mark complaint to have this updated to the correct spelling of my legal name. The correct spelling of my name is : First Name : " XXXX '', Middle Name : " XXXX '', Last Name : " XXXX ''.
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

I only had XXXX medical bill that was sent to collections because I thought the insurance company paid it. I called the collection agency and paid the balance in full. They sent the info to XXXX and Equifax both that it was paid off, {$0.00} balance and account closed. XXXX is showing that it is paid off and closed, but Equifax refuses to show that. The collection agency changed names at one point. It was reported to XXXX under XXXX name and to Equifax under their previous name, but it clearly shows the same account number, amount, date, everything. Im trying to improve my credit and get my score above XXXX, and with equifax I am almost there. In the high XXXX 's with that collection account still showing.If they would fix it my score should come up. Also XXXX does not show my mortgage that Ive been paying for over 18 years, but Equifax does. My score with XXXX is always lower because of that.
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft and have submitted police report affidavits and FTC report to the credit reporting agencies to remove fraudulent accounts on my credit reports. All have complied except for Equifax. I have sent them the police report 3 times as they claim it was not legible the first time but still are reporting inaccurate information about me.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MA)

I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a plumber? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track XXXX.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted XXXX the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via staples, was defuncted and took new capital investors to maked good, but only ater lost of service.. we bought ddition protection thru nh mall XXXX store XXXX this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX in XXXX XXXX CSR for XXXX knew and promised corrective action ... we got bill saying it was pas due on exac same day to our XXXX XXXX a collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou XXXX XXXX
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I disputed inaccurated information regarding credit cards that were opened from an address that i never resided. I spoke to the creditors, and was told most of the accounts were opened online or over the phone ( red flag ). Which required the person who opened these accounts in my name to not have to show proof of identity after I had a fraud alert placed on my credit. I 've listed the credit report numbers above where you 'll find the inaccurate information that I have disputed, and to no avail have been unsuccessful with getting these inaccurate items removed from my credit reports.
Consumer complaint received 2017-03-10
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. (FL)

This was a result from a XXXX service that I did not received in XX/XX/XXXX while I was XXXX. I had paid over {$400.00} regarding the service I did not get & disputed this issue with XXXX repeadly while I was XXXX. Then two years later in XX/XX/XXXX I get the harassing phone calls and mail claiming that I owe this collection agency over {$700.00} and they asked for documents I could not provide. I physically went back to the XXXX store in XXXX, Ga where I originally purchased the phone but they claimed that they no longer have any documents regarding my transactions with them and apologized for the failed service. The collection agency repeatedly kept asking for proof of purchase that the XXXX store can not provide. I paid for a service I did not get and should not have to pay or owe this collection agency anything.
Consumer complaint received 2015-12-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (DE)

When I login to paypal to I keep getting the following messages : PayPal is constantly working to ensure security by regularly screening the accounts in our system. We recently reviewed your account, and we need more information to help us provide you with secure service. Until we can collect this information, your access to sensitive account features will be limited. We would like to restore your access as soon as possible, and we apologize for the inconvenience. 

Why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2014 : Your PayPal account is connected by one or more pieces of personal information to another PayPal account that has a negative balance. 

Before we can remove the limitation from your accounts, you first need to resolve the negative balance on the linked account. Please call Customer Service at XXXX. 

( Your case ID for this reason is XXXX. ) How can I get my account access restored? 
It 's usually pretty easy to take care of things like this. Most of the time, we just need a little more information about your account or latest transactions. 

To help us with this and to find out what you can and ca n't do with your account until the issue is resolved, go to the Resolution Center. 

We 'll review the information you provide and email you if we need more details or when your account is back to normal. 

Once you complete all of the checklist items, your case will be reviewed by one of our Account Specialists. We will send you an email with the outcome of the review. 

I have XXXX accounts, XXXX I want to close and the other I would like to continue to use since I have cleared the balance on the account.
Consumer complaint received 2015-12-31
Product: Prepaid card — Mobile wallet
Issue: Fees — 
Company: Paypal Holdings, Inc (NM)

In the process of making a purchase over the internet through a small business commerce site I signed up for Paypal yet did not clearly understand that I had to use a credit line for the purchase. I was contacted by a collection service to pay off the remaining balance which I did during that phone call. Looking back at the process I would like to know if the extremely high interest rate I paid for the lats month of the credit line was actually legal?
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

Equifax Information Services , LLC XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT. {$420.00}. This ACCT. was charged off listed with wrong balance please delete. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT.. BAL : {$500.00} This ACCT. was charged off listed with wrong balance please delete. 
3. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1400.00}. This ACCT. was charged off listed with wrong balance please delete. 
4. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1200.00}. This ACCT. was charged off listed with wrong balance please delete.
Consumer complaint received 2016-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NJ)

Equifax keeps reporting my address incorrectly. I have sent them letters stating my address is XXXX XXXX XXXX, XXXX, NJ XXXX and NOT XXXX XXXX XXXX, XXXX, NJ XXXX.LOOK AT LAST PAGE OF ATTACHED CREDIT REPORT. Where are they getting their information from. How can i rely on the other information on my credit report like the XXXX XXXX account being reported correctly or the XXXX credit account which I asked for validation and payment history several times. Should those accounts be deleted also.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DC)

I first reached out t o Navient on three oc casions (  XXXX   XXXX ,  XXXX  and  XXXX ,  XXXX   )  via " Contact  US  '' on my Navient on line account and emails. Also, I called on   XXXX   XXXX   XXXX   and the Navient representative informed me that they could not find the email I had sent using my Navient on line account via " Contact Us. '' I sent an email through " Contact us '' on my XXXX  online account on   XXXX   XXXX   XXXX   I followed up with call on  XXXX   XXXX  and was told by Navient representative that he was n't able to find the email I sent through " Conta ct Us  '' onmy XXXX  account to address this issue. He told me to send an email to  XXXX  XXXX  XXXX  with supporting documentation, which I did and received another generic response from Navient. The response did n't address the issue I had brought up with Navient.     I was a  XXXX   XXXX  volunteer from  XXXX ,  XXXX  to  XXXX ,  XXXX . During my service, I qualified for {$0.00} repayments under the  Pu  blic Service Loan Forgiveness  program ( Income-Based Repayment ). But I was informed by Navient that I can only apply for deferment during my service.     I have reached out to Navient requesting a retroactive qualification for  Public Service Loan Forgiveness  ( Income-Based Repayment ) from  XXXX ,  XXXX  to  XXXX ,  XXXX .     When I found out about  Public Service Loan Forgiveness  ( Income-Based Repayment ) and spoke with a Navient representative, I was not informed that that my  XXXX   XXXX  service counted towards the 120 payments for  Public Servic e  Loan Forgiveness ( I ncome-Based Repayment ). I have reached out to Navient requesting a retroactive qualification for {$0.00} payments for  Public Service Loan Forgiveness (  Income-Based Repayment ) during my service. {$0.00} payments from   XXXX   XXXX   to   XXXX   XXXX   should be credited towards my 120 payments.     I uploaded documentation supporting my  XXXX   XXXX  service and income during my service, which qualified me for Public  Service Loan Forgiveness (  Income-Based Repayment ) at {$0.00} payments from   XXXX   XXXX   to   XXXX   XXXX  . I think {$0.00} payments during my service should be credited towards my 120 payments for loan forgiveness.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Equifax is showing a red flag in Fico due to Mortgage XXXX account " Acct Status : PAYS 91-120 DAYS '' This account is over 7yrs old. I am no longer liable for this account but Equfax will not delete it. Please help. Thanks.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IN)

All XXXX reporting agency 's are reporting incorrect information on my credit report and have caused me to loss jobs, etc. The following are the XXXX report numbers that I disputed with them : XXXX, XXXX, XXXX. I have a XXXX on my credit report and it is not my account. I was at XXXX time an authorize user on this account and have asked to be removed from this account. All three reporting agency 's are reporting this account as my account when by law I have no ties to this account. I contacted XXXX and they said I was only an authorize user at XXXX time and asked them to remove me. I also asked all three credit agencys to remove me and they will not remove this account. I am attaching my recorded statement that I took of my conversation with XXXX and what they said that I am not the owner of the account at all. I need your help in getting this account removed from all three reporting agency 's. The XXXX account # XXXX I also have an account on my Equifax report that shows as XXXX XXXX as an authorize user and they will not remove it also. The creditor XXXX XXXX told me that they will remove it completely and after disputing to have this remove with Equifax they still will not move this account. XXXX and XXXX removed this account. The XXXX XXXX account # XXXX Please assist me in this investigation as the XXXX agency 's will not correct the first XXXX and Equifax will not correct the second XXXX. This is my last chance to try to get this corrected before hiring an attorney. 

If you could assist me I would appreciate it. 

Warm Regards, XXXX XXXX XXXX
Consumer complaint received 2017-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

Equifax has Reinserted previously deleted information on my Credit Report, in violation of FCRA Regulations. The Reinserted information was deleted based on the result of a 30 day investigation. Disputed information was tied to a Revolving account with XXXX under account number XXXX. 2 late payments were being reported on this account for the months of XX/XX/XXXX and XX/XX/XXXX. The account was updated on XX/XX/XXXX and the late payments were deleted, however Equifax has reinserted the late payments back onto the account on XX/XX/XXXX. FCRA Regulations do not allow the creditor/furnisher or the consumer credit agency to reinsert previously disputed information after it has been disputed, investigated, and deleted.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

I have been working with Equifax for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. For one thing XXXX has removed the XXXX Bank card because they found that they could not match my information with the ones they had on file and I thought that all of the bureaus report the same information so if XXXX removed it, why doesnt Equifax? There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. Equifax also for some reason reports the account I have with XXXX XXXX as currently XXXX59 days, this is impossible since the account has a XXXX balance! XXXX isnt reporting this as past due so why is Equifax??? They keep telling me this has been verified with the company but it couldnt have if XXXX is reporting something completely different right???