davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I initially sent a dispute as the info on my Experian Credit Report is inaccurate as it related to a Chapter XXXX Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureaus. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or 3rd party agencies. To better assist you guys in your research I have attached supporting documentation as it related to the bankrupty listed on my report ( s ) showing a filing date of XX/XX/2016 not XX/XX/2016 as reported to the credit bureaus. With that being said, it is my understanding since they are reporting inaccurate information this MUST BE DELETED as per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. If you look at the attachment I have attached you will see clearly that the filing was completed on XX/XX/2016.. This items should be removed. 

Thanks in advance for your help in resolving this matter.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Please find attached a response to a letter I sent to the Federal Trade Commission dated XX/XX/2020. I have over 20 complaints regarding Equifax Credit Reporting. I asked the Federal Trade Commission to please help with Equifax continues to report my name wrong. They continue to add a suffix " XXXX '' to my name and I have sent them copies of my driver 's license and social security card over 18 times and they continue to report me as a " XXXX ''. 

I have asked over 18 times via phone, online disputes to Equifax and CFPB with NO avail. I have also asked to have my consumer statement removed and again they refuse to remove it. 

Also, there are inquires that show on my credit report that are not mine and I have a fraud alert on all 3 of  my credit reports. Equifax told me and the CFPB that they were going to remove them and actually said they were deleted. They are still there. 

All I get is canned XXXX responses from Equifax, the CFPB and now the Federal Trade Commission kicked the can back to the CFPB. Does anyone give a XXXX about this? Does anyone hold anyone accountable? 

If the CFPB would review my account of complaints on their website they would see all the complaints.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

On XX/XX/2016, I contacted XXXX and had a security freeze on my information with them. On that same date, I opted out from reports in the XXXX system. On approximately XX/XX/2016, I sent correspondence to Equifax inquiring about a Chapter XXXX bankrupty listed on my credit file. I stated that " Due to Civil Case No. XXXX, XXXX , Et Al., v. Equifax Information Service , LLC, I do not know the source of your information on the bankruptcy you have listed on my account, and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). '' I asked Equifax to send confirmation within 15 days that the bankruptcy had been removed from my credit file. Instead, Equifax claimed to have " confirmed '' the bankruptcy using information XXXX data on XXXX XXXX, XXXX, even though I had placed a security freeze on my XXXX data almost a month prior to that. I am asked that the Consumer Financial Protection Bureau investigates this matter and mandates that Equifax removes their bankruptcy from my report, as they are not reporting truthful information.
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc. (NC)

I have disputed a medical bill because they will not provide the details of the bill or any information of the bill. I see that it was removed from my XXXX credit report but continues on my XXXX report. I would like it removed from all of my credit reports.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I had XXXX hard inquiries on my credit report that were not authorized by me. I had similar inquiries on my XXXX report, ended up filing a police report, and those inquiries were purged. After that process, I checked my Equifax report, noted similar inquiries and filed a dispute. Equifax claims to have mailed the results on two of those disputes, but I never received any correspondence by mail. The other dispute is showing as " open '' with an expected resolution of XXXX. It 's now a month later, and all XXXX incorrect entries are still on my report.
Consumer complaint received 2017-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION (OH)

As with most creditors, Sallie Mae pushes to promote paperless billing. Their online solution to manage payment is particularly frustrating as it provides little useful information and makes it difficult to understand how much you owe for a given pay period. The " due balance '' only relates to what is due that day, so shows {$0.00} until your payment is due, meaning once you respond to this you payment is late. Any reputable creditor shows what is due for your next payment and provides easy access to your statements. 

I believe the Sallie Mae method of operation is knowingly unclear with the intention of confusing customers to be forced to pay late charges which exceed the normal monthly finance charges.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FinCo Services Inc DBA Current (CA)

Hi im a consumer at current bank an online banking app the night of XX/XX/2020 i have transfer XXXX to my sister XXXX XXXX  account because our dad just recently passed away XXXX XXXX  took my money out my account and XXXX XXXX cancelled my transfer but they said their were going to send back a refund to my bank so now XXXX XXXX sent out a refund to my bank but my bank is taking me through changes also because they said XXXX XXXX process a cancelled transfer and now it's going to take my bank 2 weeks for my money to be available i have business to handle with that money and these people don't care im going through a lot since my dad just passed away i really need you guys help because this bank keeps giving me the run around
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (TX)

XXXX XXXX XXXX is reporting a debt from XX/XX/2013. It is not my debt. The original creditor refuses to furnish written proof that it 's my account. They have stated that all correspondences were returned, but Penn Credit is saying no mail was returned. I was never contacted regarding this debt before it was placed on my credit report. Other bureaus have removed the account XXXX refuses to remove it.
Consumer complaint received 2015-11-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LOAN SERVICING GROUP (NY)

My husband and I had a debt from a credit card and the debt was bought by XXXX XXXX XXXX, now known as XXXX. XX/XX/XXXX I paid in full the remainder of the debt. 

XX/XX/XXXX when I refinanced, my attorney informed me that XXXX XXXX still had a lien on my house. This was the first time I learned of this issue. The attorney handling the refinancing was able to contact XXXX XXXX and received a lettered response dated XXXX XXXX, XXXX that stated in part, " This loan has a XXXX balance with XXXX demand. '' Since XX/XX/XXXX I have had my family attorney try to resolve this matter. XXXX XXXX demanded a {$400.00} payment to remove the lien, which I refuse to pay. This should be free. 

XXXX XXXX has since failed to respond to my attorney 's phone calls and phone calls placed by my son.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (DE)

I contacted Equifax numerous times about a fraudulent account on my credit report. The account was 5-6 years old and not opened by me. Several Equifax supervisors stated to me that they would be able to remove the item after receiving a FTC report and a Police Report. They stated this would be removed within 48 hours. Two weeks later, I have not received a call back and the information is still on my report. I 'm frustrated because they promised to follow up with me and have not, I 've spent approximately 2-3 hours a day trying to resolve this issue for the past 2 weeks. The other credit reporting agencies have already removed the fraudulent information.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XXXX monday, XXXX, 2020, i recieved a post cars from XXXX XXXX XXXX, stating No worries in renueing your membership with us we will just use the card we have on file to renew membership. I immediately tried callingthe locl XXXX XXXX to notify them that I did not sign any form giving them permossion to automatically deduct funds from my card. after not recieving an answer I went on looking for the corporate office number which was of no assistance. 
I spoke with a representative from Chase and was told to go on my Chase Mobile app  and file a compliant. I was unable to find the account services app on my mobile phone. 

I am XXXX years old and do not have overdraft protection because I chose not to. Chase overdrew my account to pay XXXX XXXX XXXX membership which i did not want. 
I've had two previous incidents with Chase regarding paying for services not authorized by me ; monies were refunded to my account once. 
On XX/XX/XXXX, I filed a compliant via email advising XXXX XXXX XXXX that I did not wish to renew my membership with them. I received a response saying the issue was being looked into and I would receive a response within 24 hours>
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

I disputed XXXX negative accounts on my credit profile which was reporting incorrectly. This has to be the worst company and customer service I have ever dealt with in my life. I have provided everything required to remove a negative on my credit and even the company I disputed had responded and all I have gotten is the run around and no one actually willing to help get it cleared up all they tell me is it can take 90 days to remove which is not as per FCRA GUIDELINES. My Report Confirmation number is XXXX. I disputed inaccurate information with EQUIFAX and even went as far as to send them documents on XXXX separate occasion to validate my claim here is the certified mail receipt number : XXXX & XXXX, I sent the documents to prove that the information was incorrect. However Equifax totally ignored my request and did not update & delete the incorrect information, which was being reported on my Equifax consumer report. The accounts were XXXX Account number ends in XXXX, which was paid in Full, and the account was never late. The letter was sent into Equifax who did nothing on the request to report the correct information. The Second account is From Child Support No account number but reporting a Collection & Amount for which I have no responsibility. I also made sure to provide the letter from the agency to Equifax who again did not delete the incorrect information since the account did in fact not belong to me. When this company supposedly investigated the information, the results were that the creditor verified the information reported. I contacted the creditor and was informed that Equifax has been notified of the correction but had not updated. My consumer profile to reflect the proper changes. I will also be submitting a complaint to the Consumer 's Financial Bureau and will be forwarding the same documents to them, which was a payment in full receipt and a letter from the child support stating that the account should be deleted from my consumer profile. Something needs to be done to make sure that Equifax is reporting account information and updating in a timely matter. Thank you for your time.
Consumer complaint received 2017-04-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (CT)

On XX/XX/XXXX I checked my bank account and noticed that Sallie Mae had taken out XXXX of my bank account and they were not authorized to do so. I called them immediately and they told me it was an accident and not on purpose and it would take 3 to 5 days for a refund. It took multiple phone calls on my part to get this problem taken care of and I was treated poorly throughout the entire process. I do n't know how anyone takes out over 2 grand on accident. I ended up getting my refund a week later and was thoroughly stressed throughout the whole situation. I am a hard-working single mom and this was just unacceptable I know people make mistakes but that caused me to not be able to pay bills and pay for other daily essentials. Fast forward to XX/XX/XXXX I check my bank account and I see that Sallie Mae again took out money from my account XXXX. I did not authorize this transaction either and I am completely frustrated with this company for their mistakes that they have made. I am writing to you to inform you of how poorly this company is ( Sallie Mae ) and what customers of them have to deal with on a day to day basis.
Consumer complaint received 2017-02-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.M. Galicia, Inc. (CA)

I have repeatedly requested that Progressive Management Systems provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma (CA)

I recently paid off my automotive account off through my credit union ( XXXX ) on XX/XX/2017, you conducted this transaction from my account ... my question is XXXX credit reports, " account closed between XX/XX/2017 and XX/XX/2017, your XXXX automotive accounts appears to have been closed. '' My issue is the account was n't just closed, but paid off, which gives me a negative rating. Please can you kindly look into this matter? Thanks! My contact number is XXXX.
Consumer complaint received 2017-04-06
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (TX)

wallet & phone were stolen out of his vehicle while he visited a convenient store XXXX XXXX. Today XXXX XXXX, I asked daughter to help me call Direct Express, https : //www.usdirectexpress.com/, to cancel the card and reorder a new one, I asked daughter to help me with the conversation and the Customer Service Rep became very angry and raised his voice and yelled to put XXXX back on the phone. He asked my information and that I would be getting a new card, well today I call back again because my card never came in the mail, The new customer rep told me that it was never reissued because of my daughter being a 3rd party on the call. I have been extremely XXXX out over this, I cant believe I waited all this time for nothing. I never did get the name of that man because he would not give his name.
Consumer complaint received 2016-01-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Chase received payment for a credit card account that was paid off as part of a second home mortgage. The escrow company sent the payment XX/XX/XXXX with my name and account on the check. Chase continued to send non-payment notices and damaged my credit. I finally got the escrow company to resend the fax of the check.I asked Chase to send a copy of a letter to the credit agency to correct the damage. They did not. In fact, when they did send me documentation that the account had been paid and I was due a balance of {$62.00}, it was in a past due notice format and language but had a credit. Not the first issue with Chase. I leased a card from them and then bought it from them but they kept saying I had the title after the lease was up. A pattern of poor records.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete XXXX 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MI)

My complaint is with XXXX, Experian, XXXX. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

Regarding real property located at XXXX XXXX XXXX, XXXX, CA XXXX, my principal residence, the mortgage servicer refuses to provide a monthly statement with payments, interest and loan balance information as required by federal and state law, Further more, refuses to provide an XXXX Interest Statement for 2016, finally, stated by phone today, there are no payments posted for 2016. This latter is a violation of the Confirmed Plan through XXXX District Bankruptcy Division of California, federal court, to which BSI was a creditor and in agreement with the terms of the plan without objection. The loan is being sold to XXXX XXXX , XXXX out of XXXX, they have advised to get my documentation from BSI Financial.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The following accounts below was paid and closed. However it states that the account was 4 payment late. The account was never in delinquent. I contacted all three credit bureaus to correct the issue. All three informed me that the account was verified. All three credit bureaus was ask to provide verification, but failed to provide verification information. Im requesting that this account be deleted or updated on my credit report. 

Account Name DEPT OF ED/XXXX  Account number XXXX Loan Amount {$6000.00} Account Name DEPT OF EDXXXX  Account number XXXX Loan amount {$2600.00} Account Name DEPT OF ED/XXXX Account number XXXX Loan amount {$4000.00} Account Name DEPT OF ED/XXXX Account number XXXX Loan amount {$2200.00} Account Name DEPT OF ED/XXXX  Account number XXXX Loan amount {$3500.00} Account Name DEPT OF EDXXXX  Account number XXXX Loan amount {$3000.00}
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have reached out to the credit bureaus about a car loan that is showing up on my credit report. I have contacted the creditor and submitted documents to them as well advising them that this was fraud and my identity was stolen. They have been cursing me out and hanging the phone up in my face. I need to have this {$20000.00} car loan taken off of my credit report immediately.