davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized credit inquiry listed on my Equifax and XXXX credit report that do n't belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/2017
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (MD)

I received my western union prepaid card in the mail but have had trouble activating over the automated system, online and over the phone. My online access was activated but now it is locked. In an email from the company I was informed that my account is on a temporary hold and my concerns can not be resolved through email. However, my activation and concerns can not be resolved over the phone. The representatives stated twice that I am ineligible yet the card does not require a credit check and I have the card in my possession.
Consumer complaint received 2017-06-24
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. (PA)

Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX pronth in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I have 4 loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All 4 show closed with a {$0.00} balance.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-06-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (IA)

On XXXX XXXX I signed an email consent for a loan with Big Picture Loans for {$1000.00}. My repayment terms were supposed to be 3 payments of XXXX which would equal XXXX which is outrageous but doable for interest. On XXXX XXXX a payment of XXXX was taken from my checking account. I looked up my account on the webpage and it said I was under contract for for 6 payments of XXXX which equals XXXX. I would have never agreed to such terms. I contacted the company via the webpage and got no response. The next day i tried to log onto my account and it was no longer available. I called the company and said they did not have my information and wanted my drivers ' license number and checking account number and social security number to access my account. I was not going to give this information out again. Two days later I log onto my account and there is no information just a note saying the loan is past due. The next payment is n't due until XXXX XXXX.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

This is a formal complaint regarding the wrongful re-instatement reporting of a collection for XXXX XXXX XXXX initiated by the following 3 agencies Equifax Credit reporting agency XXXX XXXX XXXX XXXX GA XXXX XXXX credit reporting agency XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, WI XXXX This XX/XX/XXXX I discovered ( negative credit item and account number ) had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. <P/>XXXX had removed the collection from my Credit Reports on XX/XX/XXXX InXX/XX/XXXX( 2 YEARS LATER ) I was notified by my credit monitoring service that this same collection was re-added to my XXXX and Equifax Credit reports. <P/>I was not notified of the reporting being reinstated over the 2 year period by any party at any time as per the FRCA requirement Cited below :
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (TX)

On numerous occasions I have called Conns and the credit bureaus and both of them will not comply. I am not liable for this debt. I do not have a signed contract for this debt and I have never done business with this company.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!
Consumer complaint received 2017-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I opened an account with Synchrony which bank/amazon. They immediately put a fee of XXXX that I did not sign up for. It took me two months to remove the XXXX. Then I bought a pair of shoes from Amazon. I did not even open the package ; sent it back. Amazon applied a XXXX credit. to my account. Synchrony started billing me XXXX which included a XXXX fee. I wrote them a letter on XXXX, 2017. No  answer. I contacted Amazon No response. I then contacted the shoe company that I bought the shoes from. They said they applied XXXX. I received my bill from Synchrony on XX/XX/XXXX wrote them a letter again. No answer. I do not owe this credit card money. Please help.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (GA)

XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I have multiple inquiries from this company showing up on my credit report from the days listed below. I did not authorize these inquiries. XXXX has sent out letters on my behalf to request removal on two occasions. I am a victim of identity theft and I need these inquiries removed as it is messing up my credit worthiness.
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (FL)

Hi, I opened an account with Regions Bank around XXXX XXXX, XXXX. They were running a promo for new checking accounts with the code XXXX. This promo stipulated that 10 XXXX check card purchases needed to be done within 60 days of account opening, as well as enrolling in online statements. Once both were performed, the owner of the account would receive a {$400.00} bonus from Regions. I enrolled and committed the purchases by XXXX XXXX, XXXX. Regions decided to close my account without any notification shortly after that. I did n't receive the bonus and I did n't even receive any information whatsoever as to my account closing unilaterally by them.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

Sent out multiple disputes never acknowledge my issues that I addressed by letters. 
XX/XX/XXXX and XX/XX/XXXX and XX/XX/11 this letters were not taking into consideration. I feel like my issues are being neglected on the behalf of the credit bureaus. 
XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) this accounts are showing inaccurate with the incorrect date, and also not entered in the dispute status
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (CA)

PNC Mortgage refused to refinance but before confirmed that everything was ok and ready to do it, no returning my calls and emails ... .just sent me a letter that was denied because the application was incomplete. I faxed and mail several information requested, statements, contracts, bills copy, taxes. They offer to lower the int rate and make spend money in apprais al ( {$580.00} ) ap praissal was {$600000.00} loan was less than {$190000.00}.   Please see documents attached.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (OR)

On XX/XX/XXXX, I submitted a complaint to Discover ( XXXX ), which included a Records Request of the application using my identity that was submitted to Discover to open the fraudulent account in my name. On XX/XX/XXXX, Discover responded to my complaint and acknowledged my above said Records Request ( acknowledging specifically the application request ), and Discover DENIED my Records Request. Today is XX/XX/XXXX, and Discover still has NOT complied with FCRA 609 ( e ). DISCOVER IS IN DIRECT VIOLATION OF : FCRA 609 ( e ). And also failure to comply with my FTC Identity Theft Report, number XXXX.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

In XXXX 2016, I submitted a complaint related to a XXXX XXXX XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX XXXX was nonresponsive. The CFPB contacted them and XXXX XXXX settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter.
<P/>
XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

In XX/XX/XXXX, I submitted a complaint related to a XXXX 's XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX 's was nonresponsive. The CFPB contacted them and XXXX 's settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter. XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: PERSIAN ACCEPTANCE CORP (MA)

My car. Was repossessed after 5 year ayments The car. Was. In AccidentAccident while. It. Was. In. An accident. Car. Malfunction ed. Went. Into. A tree. The. Insurance co. XXXX paid. The. Finance. Company {$1500.00} Dollars. sl
Consumer complaint received 2017-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IA)

I noticed that WF is charging me a {$12.00} a month fee for Identity Theft Protection - I just recently noticed this charge - and completed research that shows I have been charged this fee since  XXXX   2012 . I know I was not provided clear verbal or written information regarding this fee. I sent a message through the online website and was advised that they will not provide evidence that I was aware of these charges. Considering the recent settlement s of WF sig ning up customers for products they do n't want/need/are unaware of, it appears that I am in the same boat. Please Help.
Consumer complaint received 2017-06-22
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. ()

XXXX   XXXX   XXXX   XXXX   /CBNA is s everely affecting my credit worthiness by having a inaccurate late payment on my credit report on  XXXX   2016 . I have contacted them severely time to only be treated rude and disrespectful. This is unfair to treat a consumer this way. My payment was submitted on time. However,  XXXX  process the payment late and inaccurately put it on my credit report.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

Macy 's XXXX XXXX Paid {$4.00} in fees they said were due to them because I carried a previous balance.
<P/>
But then they charged me another {$4.00} for the month of XXXX ( {$2.00} ) and XXXX ( {$2.00} ). I am not paying anymore. I asked them to remove the charges today and I did not want to do business or receive marketing from them any further.
<P/>
I paid off entire balance prior to this and then they said if there is a balance they can charge a minimum {$2.00} fee. I disputed that with them via email, but went ahead and paid the first set if fees {$4.00}. I also discussed how they blocked us from paying an overage online to cover these fees when there was a balance. I previously was able to pay a bit more on the account basically carrying a credit balance so this situation did not occur. They did not address why they stopped customers from paying more on the account when I asked in my email nor did they communicate this change.
<P/>
Bottom-line is it one thing to charge for having a balance, but after the balance is paid it is another to keep charging people fees just to make money. I was a long time customer of this retailer since the early 90 's. Never again.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-02
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Convergys (FL)

I am working with an attorney to file for bankruptcy . Encore Receivable Management  (  XXXX  ) keeps calling me, and will not stop calling me. They start calling me at  XXXX  and call me every hour on the hour throughout the day. Then they start the next day at  XXXX  and call me every hour on the hour throughout the day. This has been going on for more than a month now. I can not do anything about it. I have asked them not to call but they keep calling anyway. It is totally ridiculous. Please help me stop their calls.
Consumer complaint received 2019-10-21
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. (IL)

After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see below INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized EQUIFAX MORTGAGE XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX XXXX Account # XXXX Equifax To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? Thank you Sincerely,
Consumer complaint received 2017-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

I received a letter in the mail stating that XXXX XXXX has sold my debt to USCB. I did not have any visit on XXXX XXXX XXXX which is what the debt collection agency is claiming that I have medical debt for. I checked XXXX XXXX and I do not owe any money to them as my insurance has covered the medical costs of last year and I have paid the rest already and these visits were in XXXX and XXXX of XXXX and not in XXXX XXXX as the debt collection agency claims.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

On XXXX/2017 I made a payment to ATT Universal Card for {$750.00}. There site reflects that this payment was made, decreased my credit limit and this payment has already cleared my bank which is XXXX XXXX on XXXX/17. However ATT Universal Card has yet to credit my payment and stated that they put an arbitrary hold on my payment because I have " not made a payment that large before '' which is not true as I have had this card almost 20 years and have made payments that large before. When I called to speak to a supervisor I spoke with 2 account managers both of which refused to receive any documentation of my proof of payment and also requested that even though I made the payment, even though it cleared my account that I still had to call them back in 4 hours so that they can " verify '' with my bank that they payment was made. I informed them they I would be more than happy to send them a copy of the cleared transaction from my bank and they refused to accept this information. I offered to provide them with the confirmation numbers for the transaction and they refused to accept that also. I consider taking a payment that has cleared a customer 's bank but then refusing to release that payment to the customer and refusing to accept documentation of that payment and forcing the customer to " call back '' in order to credit for a payment that was already made is robbery. Neither account supervisor was helpful and matter of fact both had the tone that it was my fault that the payment was held when they do NOT inform you at the time of payment that they will place a hold on any payments especially those that have already been drafted from my bank. I have had MULTIPLE issues with the credit card company holding charges and not releasing charges for over 14 days. The public needs to be aware of their predatory and in my opinion CRIMINAL tactics.
Consumer complaint received 2022-01-05
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX