davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AR)

I received a a letter from Equifax dated XXXX/XXXX/15 advising me that they will not block my information at this time. I provided affidavit of fraud, police report, driver licenses, social security card, and a bill. Even with all this proof Equifax is still addressing me as XXXX XXXX XXXX and that is not legally documented anywhere.
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

Opened a checking account last year with US Bank then decided to refinance house with them. Started this in XXXX XXXX after making me jump threw hoops and making me pay for underwriting fees up front or they would cancel the loan if I didn't.. I finally got a call from the loan agent saying we were in final in XXXX XXXX nothing was said when i spoke to him about taking XXXX dollars out of my account and not telling me. When I noticed the next day when I was in the negative in my account. Called him and told him he needed to put the money back that things where going to bounce he said not to worry because you have over draft. Went to the bank the next day told loan agent to put the money back and he should have told me he was taking out of my account. He said he would have to put in for the money to get it back and then told me he cancelled the loan and I would have to talk to the manager to get my fees back so talked to the manager and after some debate on whose fault it was he said he would give me the fees back and would fix it back to the way it was before this mess. 
They sent me the XXXX back for underwriting fees I deposited in there bank. When the loan agent saw me asked me if I got the other money back I said no. He gave me a number of someone else to call. Decided to open an banking account at another bank did not trust this bank with my money. After weeks I did finally get my money and then went to close my account they said I owed XXXX in over draft fees. What a scam they are running
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (OH)

This is a follow up to CFPB Case XXXX. After reporting my concerns in XXXX 2015, about Synchrony Bank I am not satisfied with the resolution. The company had removed 2 payments from my checking account ( without approval ) and applied them to a JC Penney XXXX Card account ( which I did not have ) The payments I was making towards a XXXX XXXX were not recorded towards my account, therefore, late fees were charged. The account numbers on these account are very different, the addresses for payments are not the same either, yet these were the explanations I received. The solution was to credit the XXXX account, and remove any outstanding balance, however, instead of doing this, I received a XXXX balance on the JCPenney account ( which I do not have ). I have called the Senior Specialist who handled the case with this information and had to leave it on the answering machine XXXX twice ). I have been more than patient with this company, but still, I receive no response. In addition, my credit rating has dropped almost XXXX points, due to their actions.
Consumer complaint received 2016-02-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (CA)

I am a veteran and have sought out VA Home loan financing. I was advised because GE capital retail bank is reporting a Walmart charge off collection account in my name and so is SYNCB/Walmart reporting the same account as a duplicate that my credit score has dropped significantly so the funding has been suspended till this error gets corrected. I called Syncb bank # XXXX manager XXXX XXXX. I was told that GE and Syncb is the same company they just changed there names to Syncb. I was advised that they would be submitting a e-oscar to delete the GE capital collection trade. Today XXXX/XXXX/2016 when I called to follow up I was told they were n't doing anything and that the duplicate reporting will stand.
Consumer complaint received 2016-01-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (AR)

There was to be a foreclosure auction of my house by US Bank on XXXX XXXX 2016 @ XXXX at the Court House. No one showed up from US bank, the court clerk called the Atty of record for the bank at XXXX and was told that the auctioneer had just left and would be there in a hour, that there was going to be a auction. The XXXX clerk came out at XXXX to inform the bidders that the auction had been closed with no explanation. 
I have never been to a public auction that was closed and especially 11/2 hours after the advertised sale time. As the pborrower I tried to call the US Bank to find out more about the closure and got nothing.
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

I would like to make a complaint about Barclays Bank US. My access to my bank account has been restricted online. As a result of my restricted access, I was late to make the payment last period. When I called the company, they asked for my address and I told them that I used to live in New York, but I recently moved for school. They said that since I was not able to provide me with my information since I did not have the address. When I aske I can make a payment since my account is blocked online, I got conflicting answers. Given the issue, I had a few follow up questions, but the person speaking to me on the phone had a very condescending tone and and refused to be any helpful. Every time I tried calling back, I had to wait over an hours on the wait line. The person who answered the phone was the same person and kept giving me mixed answers. They asked my to send them documents, which I did, but my access is still blocked. It is impossible for me to get hang of anyone since there is an hour wait and no call back option. Last time I called the customer service representative hanged up on me ever thought it took me more than hour to wait for the call. The company refused to deal with a simple change of address and blocked my access and and as a result, I am unable to make payments.
Consumer complaint received 2015-11-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: U.S. BANCORP (PA)

I have been contacted by XXXX separate companies in the past 6 months claiming that I owe a debt. Even though I did n't belive I owed the debt, I paid almost {$900.00} to the first debt collector because I was threatened. Then less than 2 months later, I got a call from a XXXX company trying to collect on the same debt. They informed me that the XXXX company didnt " own the debt ''. I did some research and determined that XXXX companies were fraudulent. Upon learning this, my bank refunded the payment that I made. Now, my family members are receiving calls from a XXXX company looking for me for the same " debt '' ( this company has never called me personally ). I have documents from all of the companies. All of which appear to be official but after researching business names, addresses and phone numbers, nothing matches. Also, I requested proof of debt to be mailed to me, but they claim that they do n't have to ability to mail me anything ... .they can only email. I want all of these calls to stop and I would like to see if there is any course of action that I have for the harrassment.
Consumer complaint received 2016-08-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OR)

I overpaid my US Bank XXXX XXXX XXXX by {$0.00}. The credit sat there for about 3 months, then it disappeared under a " Small Balance Adjustment '' on XXXX XXXX, 2016. It is my XXXX cents, not the banks, and I called about it. The nice lady told me the {$0.00} had been added to my credit limit, which would have made it {$5000.00}, but that 's not what happened. My credit limit remains {$5000.00} ; my XXXX cents disappeared. I requested a call from a supervisor but did n't receive XXXX. While I realize it 's piddly, nonetheless, it is my money, not the bank 's, and if the bank is taking everyone 's small balance credits, then this seems to be quite a cash cow, if you will, for the bank. I read online about this happening to other consumers at other banks. What I did n't read was that there was a policy by the banks to absorb their customers ' small balances. I wonder if I inadvertently signed an agreement, with this disclosure in the tiny print. If I did, I did not mean to allow it. XXXX pennies saved are XXXX pennies earned -- and I want to earn them, not the bank. If it is banks ' policy to take their customers ' balances, that should be stopped. I can furnish the statements regarding my own XXXX cents ' worth. What else would you need from me?
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over XXXX years. This situation is really messing me up at repairing my credit.
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (DC)

An account was opened with XXXX XX/XX/XXXX it was then forwarded to ENHANCED RECOVERY COMPANY for {$330.00} by XX/XX/XXXX.I disputed this debt with XXXX as XXXX as ERC and Transunion. This debt was removed from my credit report by Transunion on XX/XX/XXXX.on XX/XX/XXXX the same debt was forwarded to a different collection agency ( southwest credit systems ) and then sent to XXXX.Ive tried reaching out to XXXX customer service to get any information about the account and was told they did n't have anything. I was told that someone called XXXX gave them a name a social and they opened the account. XXXX did n't bother getting any identification any signatures nothing. I was told to contact the XXXX department which I did. I received an email from a XXXX explaining what she needed to prove the account was XXXX, proof of residency, I.D police report etc. I gave XXXX all of the information that I had except the police report because of the complication with jurisdiction and time frame. I requested to speak with a supervisor and all I got was an automated email from XXXX.at this point It believe XXXX knowingly opened a XXXX account with no relative information which in my opinion should be criminal. Also i may add that I 've never lived at the address the account was opened at
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have a state tax lien from GA that 's been paid and only credit report since XX/XX/2009. It 's been seven years and it should come off. All the other credit bureaus removed it with no hesitation but equifax will not remove it.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MS)

I checked my credit report and found that 3 companies were violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 and USC 1681 section 604 A section 2. I have the right to privacy. A consumer reporting agency can not furnish an account without my written instructions. I sent out a complaint the was received XX/XX/22. These accounts remain on my report, violating my rights.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: First Data Corporation (NV)

Tired to cash a check at the local casino, XXXX XXXX, about XXXX months ago. It was refused and they referred me to Telecheck. Called them and they said it was lack of information and history. They updated my file, and said any check would be accepted. Tried to cash a check last week at XXXX XXXX and it was again refused. They gave me the refusal code and I again called Telecheck. They have you listen to a recorded message about the refusal before you get to talk to customer service, which I did and then talked to XXXX of their reps. He explained that the reason the check was refused was because there was no history of cashed checks with other Telecheck merchants. 
I live in XXXX NV ( less than XXXX people ). Do you think we have loads of merchants using Telecheck? Asked him if there was any negative information -- " NO '' was the reply. So my checks are getting refused for absolutely no reason except that Telecheck wo n't let the casino accept my check. 
This was made even worse since there were people around ( people I knew from church ) who saw that my check was refused. This was horribly embarrassing!! 
Telecheck has NO negative information BUT they are stopping me ability to cash a check at the local casino. 
I talked you XXXX of YOUR reps on the phone and she instructed me to file the complaint on-line using the category " credit reporting ''. You have permission to access any of my credit information to resolve this issue.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I have a public record listed on my file that Experian is reporting such as a bankruptcy which is inaccurate and incomplete. The federal laws requires that the credit agencies provides mechanisms to ensure that each item in my credit file belongs to me and is accurate and complete. I have requested from Experian numerous times for validation which is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this Bankruptcy and they have failed me only to return stating that is has been verified without any proof. I have letters from The Federal Bankruptcy Courts saying that they Do Not report to the consumer reporting agencies but yet they continue to say they have verified it through the courts and I know they do n't because the information is inaccurate and incomplete.
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (NJ)

After disputing this account with ( ERC  ) Enha nced Recovery Corporation, ERC sent me a letter dated  XXXX   XXXX   2017, sta ting they have " requested for the  XXXX   XXXX  account to be deleted from any consumer reporting agency files to which they  may have submitted information to ''. I have attached the letter in this complaint. I sent this  letter to  XXXX  and they refused to delete this collection tradeline from my report.  XXXX  stated that ERC does not want and have not requested for this account to be deleted as ERC promised to do in the letter that was sent to me.  XXXX  stated that they can not honor my request even with the letter since ERC did not submit a deletion of request to them. They are going back on their word even after notifying me that they have requested for this deletion.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

This has been an ongoing issue in which I have tried to resolve for several years. Equifax failure to properly investigate an item appearing incorrectly on my credit report has created significant XXXX and a financial burden. Specifically, there is an account with XXXX that shows as a charged off account. This account does not belong to me. This account was opened fraudulently. On my credit report it shows that the account was transferred or sold, has a XXXX credit limit, XXXX payment amount, XXXX high credit. I have asked Equifax to provide information on how this account was verified. It shows a payment in 2010, I would like to know who made the payment and how the payment was rendered. This will assist me in tracking down who stole my identity and opened this account. Equifax has refused to furnish this information. It is impossible to have an account with a XXXX credit limit, XXXX balance, and XXXX high limit.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

Equifax credit reporting agency for years has ignored repeated attempts by me and the state of louisiana department of revenue to remove the following state tax lien which clearly does not belong to me ref # XXXX which the state of louisiana as stated multiple times it does not belong to me and it is up to the XXXX credit reporting agencies to remove this otem immediately also XXXX unauthorized inquiries which should be removed as well as an account with XXXX account number XXXX phone # XXXX which this company has also asked XXXX reporting agencies to remove. This is not fair to me and i want them to correct this immediately.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

This afternoon I received in the U.S. Mail a letter from " Equifax '' credit bureau dated " XXXX XXXX, 2016. '' In this letter, under the " Previous Addresses '' section, it continues to falsely state that I lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX ; Reported XX/XX/2016. '' I have NEVER lived in " XXXX, CA. '' I do n't even know where " XXXX, CA '' is located at. I am the Victim of Identity Theft. I called up " Equifax '' and they still refused to " Delete '' this false Identity Theft " XXXX, CA '' address off my " Equifax '' credit file. I have only lived in " XXXX, California '' for the last 32 consecutive years.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

I 'm not able to use my Macy 's Amex credit card. After each purchase my credit card gets blocked and there is no way to verify my identity online or by calling. It 's been over 2 weeks since I 'm unable to use it. CSR are telling me I should receive " something '' in mail, but my mailbox is empty!
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I se nt two notarized dispute letters to two differe nt credit bureau ( Experian and  XXXX  ) by certified mail. I received notification that both letters were received. Fast forward over 30 days no response from either credit bureau and they did not note that the accounts were being disputed within the 30 days when I would pull the reports several times during that 30 day period. My disputes were ignored.      XXXX  never responded but they decreased my  credit score   XXXX  points instead. However there were no new inquires or credit, my credit utilization did decreased, no new late payments or new collection items and no new accounts closed. I never received a response from either credit bureau. They did not delete anything either.     Please see the below certifiied letter USPS tracking numbers.     Experian tracking number #  XXXX   XXXX  tracking number #  XXXX
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (WA)

I opened a MileagePlus Explorer credit card with Chase bank a few years back, which is a co-branded card with XXXX XXXX. The credit card carries a {$95.00} annual fee. My fee is charged yearly on XX/XX/XXXX. I recently traveled to XXXX and attempted to used said ( no foreign-transaction fee ) credit card, but it was unfortunately non-functional. Upon return I decided to close my MileagePlus card as I was not satisfied with it. I waited until I paid off the card ( XX/XX/XXXX ) and contacted them yesterday, on XX/XX/XXXX, to close it. Upon the closure of my credit card account I inquired how they 're going to refund me the pro-rated annual fee. To my surprise I was told that I 'm not getting anything back. Apparently, there are no terms or conditions, but at their discretion Chase chooses to refund the annual fee if one closes the account within 180 days of the day when the annual fee was charged. In disbelief I researched this on the internet and found that all other banks refund pro-rated annual fees if a customer closes an account mid-year. So today I called back and was transferred to a supervisor, who after some investigation also told me there 's nothing they can do. What is surprising is that my annual fee comes with certain services attached, as allowing a free check-in back with XXXX XXXX among other privileges. So I have already paid for this service until XX/XX/XXXX, but by closing my account am unable to use it. When inquiring if Chase is going to pay my luggage fees then, I received no comprehensible answer.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Case number : XXXX Related Case Number : XXXX I received the following : Response not disputed XXXX XXXX XXXX, XXXX said : Explanation of closure Reinvestigation not conclusive ; we are removing the complainant 's name from the account and deleting him from our reporting. We will confirm this to him by letter. 



Response We are in receipt of the affidavit. Since we have had no response to our request for reinvestigation at our client, we are assuming the second account in question is an unadjusted duplicate and closing it. We removing the complainant 's name from the other account and ordering his name deleted from all national consumer reporting agencies to which we furnish data. 

Since the resolution the entries were removed from my credit, but have since been re-listed with XXXX.
Consumer complaint received 2015-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

hi, XXXX equifax reinserted my son 's ( same name, Im sr, he is not ) bankruptcy, wage earner, collections, judgement, XXXX inquiries they just placed i only had XXXX inquire in XXXX years, false accounts and false alerts not placed by me in my files. for over a year I have fought and begged them to fix my credit, to remove what 's not mine and they refuse or play games, we lost the opportunity to purchase foreclose property denied by suntrust because equifax, our score in other credit companies are about XXXX.