davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (ME)

Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken. A proper investigation has yet to take place, if this complaint is closed without proper action being taken by your company. I will seek legal means to take action against your company through the judicial process. I have sent all paperwork necessary for a dispute with Equifax , including an affidavit, police report, letter from the DA, and a cover letter on which accounts I was a victim of identity theft. I mailed them US priority mail, I have yet to get a response back. The police report and the letter from the DA verified that I have had numerous accounts that had been opened fraudulently while serving in the US Military. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable { {$2500.00} } per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. First I want to address the is the collection account XXXX from XXXX XXXX. Second I would like to address XXXX from XXXX XXXX XXXX XXXX This account was mine, however, I was never late! And, I paid it off. Please refer to my XXXX credit reports that I have attached for verification. Third account # XXXX from XXXX FI. This was not me and is fraudulent. Fourth account # XXXX with XXXX XXXX. This was not me as well. Fifth, account # XXXX that was originally with XXXX and now is with XXXX. Again, this is not me and I 've sent documentation from local law enforcement proving all of these were identity theft. Sixth is account # XXXX that was originally with XXXX XXXX XXXX and now is with XXXX XXXX XXXX Seventh is account # XXXX that was originally with XXXX and is now with XXXX XXXX XXXX I have never even been to this place. Eighth is account # XXXX that was orignally with XXXX and is now with XXXX XXXX XXXX Again, I have never been to this place. Ninth is account number XXXX with XXXX XXXX. tenth is account # XXXX with XXXX XXXX XXXX with a zero balance. I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed and/or fixed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA.
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AR)

My student loans have been forgiven due to XXXX and the creditor XXXX XXXX XXXX responded to the dispute telling the agency to delete the accounts from my report. I have called Equifax and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to creditors however, the only XXXX I have scanned in was for XXXX but it shows the same as what was sent to Equifax.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I paid off my mortgage ( serviced by Seterus ) in XXXX XXXX and called Seterus on XXXX/XXXX/XXXX asking when I would receive my XXXX form so that I could file my tax return. I was told that it showed that it was mailed around XXXX/XXXX/XXXX and that I should wait a week before I call again, in case I receive it. I did not receive it, so I called back on XXXX/XXXX/XXXX. They stated that it was sent, but they ca n't request a re-mailing/re-sending from their other unit until XXXX/XXXX/XXXX ( their procedures, they said ). They also noted that the mailing address was a XXXX , and wanted to confirm that with me. I said no, the mailing address is and has been the same address as the mortgaged property ( the house I 've been living in for 13 years ). They looked in their records and could not state why my address was changed in their system, but that they would correct it immediately. I told them that I would like to do my taxes, and ca n't without this info. They provided me with the info over the phone, but I informed them that the interest amount ca n't be right because my last statement from them ( XXXX XXXX ) showed an even greater amount. The Customer Service person calculated the numbers again and agreed. They said they would have my XXXX recalculated and send me another one to the correct address. I called back on XXXX/XXXX/XXXX and asked where my XXXX statement was. They said that they mailed it, but it appears it went to a XXXX address again, and said that the system must not have updated on XXXX/XXXX/XXXX when they corrected it ( their internal notes note that the address was corrected on that date ). The verbally told me the corrected XXXX amount, but I also asked that I need something " hard '', and e-mail or a fax of the XXXX so that I can be confident in filing my taxes. They said they ca n't do that. I asked the Customer Service person to please speak with her supervisior to make sure there is n't anything they could do. She said that her supervisor told her that their procedures do not allow me receiving the XXXX via fax or e-mail, and that because I no longer have loan servicing with them, I ca n't access my account on-line. I reiterated my circumstances and asked if they could at least reinstate my on-line account access. The answer was no. I asked them if they would want me to report this to the Consumer Financial Protection Bureau. The customer service person said her supervisor said 'sorry, but that is our procedures. '
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EQUIFAX, INC. (TX)

I phoned the collection agency directly and mentioned this was not mine. The collection for {$89.00} posted on my Equifax Credit Bureau file in 2012 to have it removed.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NV)

There is an account listed that is not mine reporting as a Collection # XXXX original creditor the XXXX XXXX for {$5300.00} This is unknown and no such debt or account was taken. There is no way this company verified or validated anything.
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (ID)

I sent Equifax a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Equifax received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:1. XXXX Account # : XXXX2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Idaho XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX Idaho XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I call Equifax to remove the unloock to run my credit report XXXX I spoke to XXXX the supervisor ( USA ) Nevada Employee Id. XXXX he requested to fax documents XXXX and bill utility I fax 4 times to this numbers XXXX and XXXX and they can dowloaded my paperwork I need to close my loan and each time they are running my credit report charge me {$100.00} what I paid {$400.00} to XXXX VIA XXXX. I CALL EVERY DAY FOR HELP. THEY ARE WORN ME DOWN AND WE DO N'T PAID TAXES IN XXXX and i do n't like to release my S.S. to them.
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

None of the XXXX companies would allow me to obtain my free credit report online through XXXX. XXXX and XXXX said 'unable to provide ', and Equifax flat out refused, claiming it is more secure for me to mail copies of my identifying information. Copies which could be used by a criminal to steal my identity.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC. (KS)

I continue to receive offers under my previous name, XXXX XXXX, over XXXX months after opting out of marketing offers. My original opt-out date was XXXX 2014. It has been well XXXX and I continue to receive these unsolicited, multiple, unwanted offers ( see most recent offer attached ). The offers contain the opt-out notice at the bottom. I see on the back of the notice that Equifax is named. I do n't know of any other way to opt out than what I have already done, by phone, permanently by mail, etc., yet they continue to come in years later. This is unacceptable and puts my personal information in jeopardy of identity theft. I have requested multiple times to stop receiving these offers. What more do I have to do??
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I have settled with XXXX XXXX XXXX over 5 years ago to an amount that was less than owed to them. They have received payments up to the total settled. XXXX XXXX XXXX never sent me a letter stating that the account was settled. I do n't know why they keep these figures on my report. 
I have contacted them on many occasions and they are ignoring my requests. As far as I can say, I have fulfilled the terms of the agreement. They say that the person working the arrangements, XXXX, does n't work there anymore. How is that my fault if the employee handling the account is gone. This does n't speak were highly of a multimillion dollars corporation.In the meantime they are messing up my credit.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

I received a response back from Equifax stating that the comments were removed from my file but that is not the case. The XXXX account on my credit report was put back into dispute and the comments were put back on my file as of XXXX/XXXX/2016. I have had numerous problems with this account and would like the account deleted and removed from my credit report. I am attaching proof and evidence that the disputes were put back on my account and that this is illegal and should not be ok. I would like Equifax to delete this account and investigate XXXX because this should not happen
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

I sent a dispute letter to the bureaus ( XXXX, Equifax , and XXXX XXXX ) this past XXXX 2015 requesting that they remove a Ally Financial debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I voluntarily repossessed a vehicle with XXXX. On XX/XX/XXXX, that showed on my credit as a charge off for {$8900.00}. XXXX contacted me on several occasions asking me to settle the account, I declined. In XX/XX/XXXX , XXXX reported XXXX late payments to Equifax , I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year , XXXX again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. XXXX is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off in XX/XX/XXXX. upload screen shots of said proof
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

I attempted to pay my Banana Republic credit card from my new XXXX XXXX credit union bank account. I was informed days later after making the payment online that it did n't go through, although I entered in the right bank account information. Attempted again and same thing, called the third attempt and had a representative enter in the payment information. Days later that payment came back. Days later I was informed that my account had been closed! LIVID I have had that account since I worked at banana republic back in 2004! I have now had to use my XXXX account to pay the bill and zero access to the account. Here 's a thought call a loyal paying member before just closing their account and hurting their credit!
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (SC)

I have had a B. P. gas card for over ten years now, never paid late, my interest raye as of XX/XX/XXXX was 21.49 % now since syncrony bank has taken card over, rate has increased to 27.24 % an increase of 5.75 % or ruffly 26 %, I feel as a loyal customer this is unfair, and would like to know on what do they base % on?
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX - XXXX XXXX/XXXX/2015 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Account # XXXX SSN # XXXX I requested to upgrade store card to visa card and call center agent advised me re apply again to get a visa card.I did applied again on XXXX/XXXX/2015 and I got approved another store card credit line of {$2500.00} ( Last XXXX account number ending XXXX ) After I contacted call center again they said they given wrong information for re-apply new account. 
I advise them please combined my limit up to {$5000.00} and closed the account ending last XXXX number XXXX. And they agreed removed hard inquiry on XXXX/XXXX/2015 and as well as removed accounts ( # XXXX ) Major Credit bureau files. 
Right now I can see credit department closed my account ( # XXXX ). Still hard inquiry and accounts remains my credit Bureau files.No credit Llimit combined and no upgrade card to visa card. 
Please resolve my issue as soon as possible. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Perfection Collection (CA)

A claim was filed on the original creditor XXXX XXXX for breach of contract, the vendor agreed to settle the dispute for {$240.00} per the resolution terms through the XXXX. Perfection Collections provided no written notice that this was referred to their offices. I learned of the issue because of credit file alert on XXXX/XXXX/16. I contacted the debit collection agency to try and get information. I was accused of ignoring the debit and not paying my bills. The operator XXXX XXXX was extremely unprofessional and he pushed my buttons. I was ultimately able to learn that debit was reported for {$1800.00}, not the original settlement amount of {$240.00} to end the contract. I also learned that that XXXX XXXX provided them with an incorrect contact information. This was the original reason for the breach of contract with XXXX XXXX. This is not the first time that this company has referred this issue to a debt collection agency after settling the debit through the claim with XXXX. 

I will obtain a copy of the filing with XXXX ... this can be supplied at a later date.
Consumer complaint received 2016-05-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

I took out a loan with a local merchant that used Synchrony bank. It was XXXX of those 24-month promotion loans with no interest, and if you do n't pay it off within 24 months they charge you back interest at the rate of 29.99 %. I made a mistake and thought the promotion period was 24 months, so I set up my account to pay Synchrony {$300.00} per month so I would have the loan paid off in full in 21 months ( Original loan amount {$6100.00} ). The other mistake I made was setting the auto pmt of {$300.00} and not checking my statements each month because, as it turns out, the promotional period was 18 months, not 24 months. I just discovered Synchrony posted a one-time interest charge of {$3300.00} to my account in XXXX, and has been charging me {$110.00} interest per month. While I am at fault, I just can not accept the fact that ( with 3 months left to pay on the loan ) a finance company would penalize someone like they did. I realize I signed off on the terms and conditions, but you can never fully realize the extend of the penalty until it happens. My complaint, really, is that Synchrony should be able to see my intent to pay off inside of XXXX months. Particularly since I have XXXX loans with them. XXXX loans were taken out around the same time and for the same amount. The other loan does have a XXXXmonth promotional period, and I was ( also ) paying {$300.00} per month on this other loan. Also, I 've gone through my emails ( since I have my statements set to e-delivery ) and I 'm not finding any emails from them alerting me to the end of the 18-month promotion period. What they did to me seems truly egregious and inhumane, even given the fact that I signed off of the terms. I have written and called the company, but so far have gotten nowhere with them. I 've been a loyal customer with Synchrony and their predecessor GE Capital. I 've never missed a payment and feel sick about not just what happened to me, but what they must be doing to other unexpecting customers. To me, a positive outcome in this situation would be for Synchrony to recognize my error ( thinking it was a 24-month promotion ) and retroactively adjust they terms to 24 months. If this loan was 24 months as I originally thought I would have the loan paid off next month. As it stands, I still owe them {$4300.00} due to all the interest charges since XXXX ... on an original loan of {$6100.00}. Seems unbelievable.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CA)

I had a Walmart Credit Card that was issued in 1977 recently closed out due to inactivity for a few years. I was not notified of this in advance according to California civil code 1747.85. 

I contacted Walmart by phone and they refused to re-open the account for me. I was very disappointed to lose this credit history of 39 years!!!!
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (IN)

Synchrony Bank ( working for XXXX ) is not giving appropriate time to receive my billing statements & for me to return payment before they are charging {$40.00} late fees. Synchrony Bank customer service & their supervisor say that they are only required to mail my bill 20 days before the due date, but it is taking 10 days for me to receive the statement. Then, I mail the statement back with payment with 2 days of receiving it ( which is not always feasible if I am traveling or it falls on a weekend ), and then they are taking up to 10 DAYS TO PROCESS THE PAYMENT!! They seem to deliberately be delaying the process, and then THERE IS NO GRACE PERIOD AT ALL before they charge a {$40.00} late fee on a {$200.00} payment/installment. They have charged me {$120.00} in fees in the last year and a half, and I have made every attempt to send my statement back within a couple days of receiving the bill. Customer service was no help at all and said they are n't even required to send me a statement?? I think they are intentionally dragging their feet on processing payments to charge huge late fees!!
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (IN)

I was never late in paying my GECRB/Shaw. The account was on autopay set up through Synchrony Bank and that had been the mode of payment since establishing the account. I paid the account off in XXXX. I do n't know how they can justify destroying my credit by stating that I was 30 days late, four times for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Synchrony Bank they refused to take this enormous mark off my credit. That account has a zero balance and was closed at my request. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX and XXXX off my credit report.