davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

My loan was transferred again and I got a notice that with the transfer I had 60 days where I would not be penalized for late payment, or be reported to credit agency. Well I took this as an opportunity to refinance because the previous loan servicer ( XXXX ) had messed up my escrow ( they had doubled it and when called I was told I just did n't understand ) and with lower interest rates I thought the timing was good as well. I was with in 60 days when a credit agency called me and Loan Care on three way and that is when a Loan Care money collection agent ( which phone call was recorded ) reported that I was late on my payment and no payment had been made. I told her that what she did was a violation of my rights and she became rude and asks to get off of the phone. I feel that Loan Care violated laws to protect the consumer, and tried to bully me so that I would have to stay with them or refinance with them. I am tired of large mortgage companies disregarding the laws, rules, and regulations which are there to protect the common consumer and feel that something needs to be done to get Loan Care to realize that there are repercussions from breaking these rules.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I wrote all XXXX credit bureaus : Experian, XXXX and XXXX asking them to verify through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. I demand to see verifiable proof ( an original consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove the accounts listed in my letter. However, their only response is that the accounts were verfied by the creditors but they still have not sent me anything showing me proof nor with my original signature That 's because they do n't have anything to send, so these accounts must be deleted a.s.a.p. I am a litigious consumer and know my rights. I am seeking legal actions.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

XXXX XXXX is reporting that I have not made any payments on a joint account. This issue has been discussed with wells fargo by XXXX XXXX. The issue was supposed to be fixed, but wells fargo has yet to fix my information. It is so bad, XXXX sold the mortgage to bay view loans. XXXX has not notified anyone about it, yet they are already claming that they have had an account for us as of 2008 and that we have not made a payment and that forclosure notices have been sent. No information has been sent and the payment information is wrong. Again, all payments have been made on time through auto pay plans.
Consumer complaint received 2022-10-01
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: EQUIFAX, INC. (CA)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX  ( an unsecured line of credit/credit card ) with US Bank REF # XXXX. 

I applied at the XXXX XXXX branch of US Bank. 

US Bank XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX The staff at the branch, the banker and the manager were excellent and friendly. 

I applied for the loan and according to my US Bank account my XXXX score is XXXX. They denied my loan request. First they said my debt to income ratio was to high. I asked them to relook and discovered my student loan payment was reporting a monthly payment of {$1500.00}. This is incorrect. I made a large payment because due to COVID 19 the interest rate of the loan was dropped to 0 %. Therefore the PAYMENT reported higher. 

I called the bankers in XXXX talked to them. They asked for the District Manager to  request an exception and told me to send proof of my payment amount on my student loans, which I did. This brought my debt to income ratio in line. My XXXX  is XXXX. They STILL DENIED my loan and would not make an exception bc of " Past Performance ''. 

This is ridiculous, when I opened my account they game me a XXXX credit card in XX/XX/XXXX so there is no reason they would not want to lend me money. I don't understand how their exception process would not allow for me to have a line of credit with them. I have good income, high credit, consistent job history, I'm a director at a different bank, and only my student loan on my credit bureaus. I seriously wonder if they review and track their exceptions. 

I feel like the bank potentially discriminated against my application and or did not treat me the same way as other prime borrowers.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

Present landlord has a Writ placed in court records, which is also showing up on my credit report. I am XXXX and my son is XXXX as will. This landlord constantly keeps my name in the courts. It 's not that I do not pay my rent. My rent was late due to an error by SSI two times both times I had documentation showing the circumstances. Do to the stress I felt, I asked this landlord to let me out of the lease. I explained to him that I had found affordable housing and I was given a XXXX discount my rent would have only been {$450.00}. The landlord told me he would not let me do it, that he would mess up my credit. I have been fighting with landlords since I have been in North Carolina. Not all are bad, however they can make life unbelievable hard to live, when you need Good housing for my son who is XXXX. And they do not care who much money they take and rob you of. Enclosed in my complaint is the XX/XX/XXXX. My lease is up XX/XX/XXXX, I paid XX/XX/XXXX rent. So I am still a tenant at XXXX XXXX XXXX. 
Sincerely, XXXX XXXX XXXX rent was paid on time XX/XX/XXXX, File No. XXXX Date of Judgement was XX/XX/XXXXDate Writ Issued. FUNNYBUSINESS.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OH)

I submitted a dispute to Equifax on XXXX/2017 and they have acknowledged the receipt of my dispute over the phone, and online. I looked online today XXXX/2017 to view the results and they are still pending 32 days after filing the dispute. The law states that they have to have a completed investigation back in 30 days after filing of the dispute and they have exceeded that time frame. I also requested from the alleged creditors verification/validation of the alleged dept. and have received no response from them either. I can only assume since I received no response from the alleged creditor that Equifax has not as well, and are trying to stall so that the alleged creditor has longer to respond. that is not lawful and I demand that since they are unable to verify the alleged debt and terms then they most immediately remove it from my credit file.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I sent a procedural Request For Dispute letter to Equifax Credit Bureau listing several negative items I wanted investigated. I sent this certified mail and it was received by Equifax on XX/XX/XXXX based on the tracking information. These negative items were hurting my credit score, and as such, my quality of life. I, and they, know that they have 30 days to respond to my letter, 45 in some instances. I waited on them to respond for a full 60 days but I never received anything from them at all. No correspondence in any form, at any time. This is in clear violation of Federal Law. I then proceeded to send Equifax a Failure To Respond In 30 Days letter, Certified Mail Return Receipt on XX/XX/XXXX, which was received by Equifax on XX/XX/XXXX. I did not ask them to investigate at this point, as they had their opportunity 2 months prior. I asked them to abide by the law and by Federal guidelines and remove the listings I disputed, as per Federal code. I have not received any correspondence from them concerning this matter. Credit Reporting Agencies MUST abide by the laws and statutes set forth by the FTC and CFPB.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I discovered this when checking my credit reports through XXXX in XXXX XXXX 2015. 
I immediately placed an initial fraud alert with the XXXX credit reporting agencies. I received my credit reports by XX/XX/XXXX and I proceeded to go through the dispute process. I also filed a police report - Case number XXXX. 

In XXXX XXXX, I received a phone call from XXXX XXXX from the XXXX XXXX financial crimes department. He told me that they pulled over someone with a false license plate. When the officers asked him for his ID, he claimed to be me. He had a fraudulent copy of my drivers license with his picture on it. He eventually confessed to the fact that he has been using my identity to pick up phones from stores. 

With this information, I proceeded to file a dispute with all three credit reporting agencies. 
XXXX and XXXX removed all my requests. 
Equifax, however, did not. Equifax refused to removed a few accounts because they verified that the items belong to me. I 'm not sure what their procedure is but it 's definitely incompetent. They also refused to remove the fraudulent and unauthorized hard credit inquiries that are a result of the identity theft. These hard credit inquiries will affect my credit score and will remain in my file for two years. 

I urge CFPB to investigate Equifax and their procedure on how to verify accounts as I find them to be incompetent and lackluster.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

I filed a dispute for an unknown medical account which had the account deleted on XXXX XXXX, 2015 ( copy of result page enclosed ) and as of XXXX XXXX, 2015 it was reinserted. 

I originally disputed the account on XXXX XXXX, 2015. From their response I filed a proper dispute on the unknown medical account, contacted the reporting collection agency with a dispute and request for validation on this unknown medical account as per instructions from Equifax. I sent a follow up dispute to Equifax and at that point it was deleted. Equifax 's reinsertion of the deleted unknown medical account is a violation of the FCRA and FACTA.
Consumer complaint received 2016-03-16
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: EQUIFAX, INC. (MO)

I applied for credit with XXXX XXXX expecting them to run my credit with XXXX for financing. They initiated XXXX inquiries to obtain financing for the vehicle. This was not disclosed to me. It has damaged my credit for over a year now. Businesses should not be allowed to do this without first advising consumers what they are going to do and what the impact of that can be on them.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AZ)

Hi i applied for preapproval for a new home mortgage and was informed by the lender that after reviewing my credit history i had 31+ late payments on my current mortgage. this caught me completely of guard. on speaking with the current mortgage holder ( XXXX, XXXX XXXX XXXX ) i found out what the problem was. it was down to a veriety of things. 
1. in the early 2000 's i declared bankrupcy but thankfully kept my home in the process. Chapter XXXX however as i had done this the lender informed me that they could no longer contact me due to this. 

2. i missed a payment which resulted in a late charge and this was compounded out over time to result in me missing more or less all my payments. this is due to the fact as they place monies in suspence and because of this the monies were not posting to the right place at the right time thus showing a late payment. 

3. Of course I was none the wiser of this and in fact was paying over and above my mortgage every month for a number of years now. but they are still asking me to pay interest on the outstanding balance. So not alone did they not inform me about the error in the first place but now they are asking me to pay this balance in order to remove this of my credit report. in my opinion this would be akin to extortion. 

i am very unhappy with this impass and I need help in order to get this fixed. Can you help? neither the lander or the credit reporting compand are being helpfull in this case and i feel that i have nowhere else to go.
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have filed multiple disputes against unauthorized inquires, and a fraudulent report. Equifax is the only bureau that will not remove them. They said in their investigations they find them to be correct. Even with my court documents on the report, and my stating I did not authorize inquires, because I did NOT authorize them. They were sold from a third party, which I did not agree to. My signature authorizing them is not on anything and equifax can not produce them. 
One rep told me they do n't remove them regardless and they will remain on my report because that is not something they do. Even though the FDCPA states they are to remove them
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OR)

Equifax has consistently reported my credit information incorrectly from XXXX XXXX. Both of the other agencies get it correct. Now they have said my account is " closed '' with a balance that is paid on time. Furthermore, they have not reported activity since XXXX 2014. I went directly to XXXX and asked them to correct this. They told me in an email that they reported each month to all three agencies and would provide Equifax with yet another report and confirm that my account was in excellent standing. I pasted this into the email to Equifax. Equifax did nothing at all and said they could not read the " message. '' I got an email from them earlier asking me to " call them '' as they could not " access my report '' without talking to them. This looked very suspicious to me, so I told them so. That is when they completely refused to change or do anything. This is a bad agency that is wrecking my score. Furthermore, I believe their behavior is sexist, as my husband is resident in the XXXX, has no credit here, except for a lien for state taxes that is wrong and has a higher score than I. I have a mortgage, car loan and several low limit cards because I worked XXXX for several years. Still I have four years of solid, good credit. My scores, especially at Equifax, do not reflect this at all. I pay Equifax {$30.00} per month to get this right. But they just continue to mess up. I 'm fed up.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

disputed with Equifax twice about a debt that was previously deleted from my report but reinserted without notice. They will not remove and I disputed with the collection agency 4 times with certified recipets that they have gotten my request. XXXX XXXX XXXX Collection agency has not responded to any of my validation request.
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (GA)

Approximately a decade ago I filed to permanently opt out of receiving unsolicited prescreened credit card offers. As such, I stopped receiving unsolicited offers until today, XX/XX/2016. Today, I received an unsolicited prescreened offer for a Discover card from a creditor using the mailing address XXXX XXXX XXXX XXXX, DE XXXX. Under the Federal Credit Reporting Act, I have a right to opt out. This unsolicited request violates my right to opt out of these types of unwarranted solicitations. There should be recourse for creditors who disrespect the law.
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I had a checking account with XXXX XXXX. This resulted in a collection for {$940.00}. Equifax has this listed twice on my file for XXXX, XXXX and XXXX. Once for {$940.00} and once for {$940.00}. There was ONLY ONE ACCOUNT. Showing the balance XXXX dollar higher is obviously an attempt to create more delinquency for me. I disputed this with Equifax and they left this on my file. I am receiving double jeopardy. This is a violation of federal law. I have attached a copy of a check from that account.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WESBANCO BANK, INC. (WV)

WesBanco initiated a system upgrade XXXX XXXX XXXX to their online and mobile banking. As of today XXXX at XXXX XXXX. I am still unable to log into any of my accounts. I have called 5 times, sat on hold for more than 3 hours total, was told once that it was resolved and it still isn't. I have been disconnected 4 times, routed into the wrong phone menu because of an IVR menu problem 3 times. I still have no access to personal or business accounts. Nor will anyone answer the phone at the local branch so that I can even make an appointment to go in and withdraw funds to close my accounts. They're basically holding my money hostage. When I try to set up my log in, none of the phone numbers listed for the security code to be sent to me match any number I've ever been associated with, which makes me very concerned about my account security. They've issued almost no communication to customers about technical issues, and the one statement they did issue to the media basically blames customers for the problem.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

On XXXX XXXX, 2016 I first became aware that me and my family have become victims of identity theft. Since then, I have pulled my credit with XXXX, Equifax and XXXX and came to realize that a plethora of accounts have been established, some of which are even still open, under a different name amongst several other contact and personal information. Apparently, my social security number and date of birth were used to open over XXXX accounts some of which have dated back over a year ago. I have since started and have subsequently almost completed this process of disputing and verifying my identity with XXXX and XXXX and have now moved on to Equifax. Also, I am unable to speak with anyone concerning my credit file as there is apparently a freeze on my file, a lot of good that did, and have found that utilizing this method to be the most efficient in trying to get my life back together. I was first made aware of this from my banking institution. As of today, my name, phone number and almost all of the accounts currently reporting on my credit file are indeed not mine.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, PD, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC (WA)

My Debit card number was used to purchase virtual currency products on Etoro.com. I did not authorize this. Somehow someone got a hold of my card information but not my physical card. 

This Happened between XX/XX/22 XXXX. 

I contacted Etoro and they said they were going to refund me my money but I have not heard from them since. I have sent emails but no reply 's. I was defrauded of {$500.00} Total. See attached screenshots.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (MT)

Experian mislead me to believe that for {$1.00} I would receive a copy of my credit report. They failed to reasonably advise me that a 7 day trial membership would begin and that I would be charged {$21.00} at the end of the trial. Imagine my surprise when they debited my checking account. 
I am prudent when shopping and take time to fully understand what I 'm getting when I make a purchase. Experian was misleading and refuses to credit my account for {$21.00}. They are dishonest and should be required to adequately communicate all agreements prior to purchase.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have disputed this XXXX / XXXX card a few times with Experian. I do fully understand that Experian simply reports what is reported to them. However XXXX has sent me a letter stating they do not have ANY documentation on this account, as it was purchased from someone else and they only have their own spreadsheet with no billing statements as to what was purchased, etc. They admit they have no application or any evidence of any contractual agreement signed by me. Under these circumstances I do not think it is proper to accept XXXX statements that it has verified the account is mine.