davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (SC)

This complaint is against Equifax for illegally reinserting negative information on my credit report. 

A couple of months ago, I started disputing some inaccurate pieces of information that were showing up on my Equifax file. One of these small details was related to a wrong reporting date on a XXXX credit card account that I felt should have been updated. 

The account number for the account is : XXXX Until recently, this account was reporting with a XXXX balance due on my credit report. After Equifax received my disputes, they started reporting a negative balance of {$1400.00} on my credit for no reason at all! For years, this account had been reporting as paid and settled with Equifax. 

Equifax has no right or reasoning to suddenly place a large balance on one of my settled accounts without any explanation. 

To facilitate the CFPB 's investigation, I am including screenshots from XXXX XX/XX/2016 credit reports that showed Equifax was reporting a " XXXX '' balance on my XXXX account. I am also including a screenshot from a recent report which shows how Equifax has suddenly inserted the {$1400.00} balance. As you can see, a large balance was placed on my credit from one report to the next. This is wrong. 

I called XXXX to see if maybe the mistake was made by them but when I called, the supervisor said the debt was so old they do n't have any information on it! This is proof that there is no balance due on the account!
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

You are reporting an incorrect address on my credit profile. Please remove XXXX address. This has never been my address. 

Also, there are many authorized Inquiries showing on my credit profile from XX/XX/XXXX through XX/XX/XXXX. Please remove these inquiries from my credit profile.
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MD)

Equifax Information Services , LLC . refuses to send a updated and corrected copy of myconsumer credit report and file to XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. 
The XXXX National Consumer Credit XXXX agencies ...
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (OH)

On XX/XX/2023 I purchased a digital download of computer software from XXXX using a Vanilla XXXX  prepaid XXXX  Debit Gift card. the money was taken from the account the same day. I never received the promised confirmation email with the software download link and activation instructions. I called appleinsidershop.com at the number on their website, emailed their customer support and tried to chat with someone via the chat feature on their website. All to no avail. On XX/XX/XXXX I called the XXXX number on the back of my Vanilla XXXX prepaid card and spoke to someone in support. The woman told me she had processed a refund on my account and I would see it on my card on XX/XX/XXXX which is today. I logged in today and the refund was not there. I have spent over XXXX hours today on the phone being transferred from agent to agent at Vanilla XXXX and being lied to about their process, the refund status, and being denied to speak to a XXXX. I finally got someone who claims she was a XXXX. I told her I wanted to file a complaint about this transaction because I paid for it and never received it. I gave her my name, card number, and my phone number. She demanded my date of birth and an address " in case they needed to send me a check or a gift card for the disputed amount. '' I refused and told her I was not giving her any of my personal information. She refused to process my complaint. I was not asked for any personal details when I purchased this card and am not giving these people my XXXX, XXXX, or home address. I don't need or want a paper check, cash, or a replacement gift card. I need the monies refunded back to the card it was purchased on. This card does not expire until the year XXXX! 

There is absolutely no reason these people would EVER need to refund {$33.00} via a paper check, different gift card, or any other means 7 years from now! Their reasoning for trying to get people 's personal information beyond name, email, and phone is absurd. 

I need help getting this company to XXXX. Process a refund. I have emails proving I have contacted this merchant regarding this ; XXXX. Address the fact that this company 's staff routinely lies, misleads, and misinforms people about processing refunds for goods they have not received.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have a lot of student loans on my credit report. There are  9 student loan payment that is listed on my report that has late payments on each one for   9 Months the dates are from  XXXX   XXXX   XXXX   XXXX  and also  XXXX   XXXX .
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I want to dispute a {$95.00} medical bill that is open with Equfax. I sent a dispute to XXXX and let them know that I paid the bill before it was sent to collections. The results are below. After verification it shows that I did pay the bill. I want this removed from my Equfax report as well. 


Since your last update on XXXX XXXX, XXXX, 1 collections account has been removed from Account Type Removed Status Reported By XXXX XXXX XXXX Removed XXXX Removing a collections account from your credit report can have a positive effect on your credit score. 

This is a copy of what equifax has : Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$95.00} High Balance {$95.00} Remarks Medical.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AL)

I made many attempts to access my credit files with Equifax between XXXX - XXXX XXXX, but it was hard @ first for me to get into the system online. I was told to answer some questions concerning my Identity before I could gain access to my files. I answered all questions correctly but was told my responses were incorrect and in order to access my file I needed to send in drivers license and other documents. I signed up for a trial membership under Equifax online and was able to access my files. When I was finally able to access my files online, I was not able to add comments to my dispute because special characters appear rather words. Since XXXX XXXX, XXXX I have filed XXXX disputes with Equifax and have received sixteen ( 16 ) e-mails informing me that my complaint had been received or the dispute was completed. These are the e-mails I received ; Wed. XXXX/XXXX/XXXX, Thursday XXXX/XXXX/XXXX, Sunday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Monday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Sunday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Thursday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Friday XXXX/XXXX/XXXX and today Monday XXXX XXXX. What is so strange every time I went to the Website to view the files I was always denied. It would take me back to step XXXX to start over. I consider these activities to be either fraudulent or harassment. I was told others they have experience similar situations. There are things in my file now that I have disputed that was changed from closed to collections over the last few days. My credit score do not move no matter how I pay my bills on time and keep a low credit utilization. I believe something is going on with Equifax practices.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

Equifax is reporting a fraudulent account on my credit report. I submitted an identity theft report to Identitytheft.com and with the XXXX police department. I was a victim of identity theft. Equifax did not investigate the matter or respond to my inquiries. They continue to report this fraudulent account on my report.
Consumer complaint received 2016-01-31
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: U.S. BANCORP (CO)

Per the back of the prepaid visa card I have states that a fee is charged, except where prohibited by state law. 
I live in Colorado and it is my understanding that an inactivity fee can not be charged for prepaid accounts. 

Colo. Rev. Stat. 6-1-722 ( b ) ( 3 ) Prohibits service fee, a dormancy fee, an inactivity fee, a maintenance fee, or any other type of fee. 

The card that I have has been depleted of {$16.00} in inactivity fees. I called the customer service number XXXX and was told that the law does n't pertain to their card. The customer service agent was very rude and hard to understand. She told me she would not assist me. 
I then tried to use the card so that I could salvage the {$34.00} left and it was declined. I waited a few days and was able to use the {$34.00} left on the card. 
The card is issued by US Bank and the website for balance information is XXXX.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (MI)

I have a credit card issued by Independent Bank. I have never had a late payment with the bank. Some months ago they said that the card was under a fraud alert - I could not then access the account through the internet. And when I called the company to resolve the issue they would put me through a whole host of security questions before condescending even to tell me the current balance. They would not tell me what the fraud issue was and would not remove the fraud alert. I have called their customer service 3 times already and still I have no resolution - the fraud alert is not removed and I have not been told what was the cause. 
I have never had this issue with any other bank. Whenever there is a fraud alert or a bad charge with other banks they contact me and the issue is resolved right away with XXXX call. The customer service at Independent Bank is terrible and I would not recommend that anyone use their products or services.
Consumer complaint received 2016-03-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OH)

u.s bank home mortgage just removed XXXX in debt from purchase amount, but still reporting on my credit reports im 90 days late when i 'm current and trying to refinance with a new lender also i have a civil case pending and was ordered to buy a car and i can not buy another vehicle until i refinance this home u.s. bank are not updating everything correctly in the system yes balance left owed is XXXX but i 'm not 90 day late, i owe this month only and my time clock is running out on what a judge in another case has told me to do.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (ID)

US Bank failed to process payment for a credit card I have with them, then reported late payments to the credit reporting agencies. I attempted to pay on XXXX XXXX 2014, XXXX XXXX 2014, and XXXX XXXX 2014. Because of misleading statements and actions by their representatives, my account has negative information. 

Details : I had an auto-pay setup that was working fine for months, then a payment was returned for insufficient funds. I tried to make a payment over the phone to one of their reps, long before the " 30 day late '' period. He took my debit card information and went through the motions, letting me know that my payment would be processed. Weeks later, after learning that there was no attempt to debit my account, I again called and spoke to a representative to took my payment information and sent me on my way. This happened repeatedly, and each time they neglected to process my payment. 

On my third call, I was transferred to a manager who informed me that there is some policy where payments ca n't be processed over the phone after XXXX comes back with insufficient funds - that I had to go into a branch to make a payment. At this point my account was many days past due, and it was showing on my credit report. Because of the misleading actions of their reps, I have negative info showing in my account. 

Additionally, I have a witness for all calls and the trip to a local US Bank branch to sort it out. After a thorough conversation with a US Bank representative, it appears that they have conveniently deleted any record of my conversations with them in 2014. I 've gone through their normal process for disputing this, with no results. I do n't know what to do from here.
Consumer complaint received 2015-05-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (CA)

When I applied for this card and paid the fee, one of the benefits was to be able to redeem points to get XXXX free night when you book XXXX or more consecutive award nights. However, they have now taken away that benefit, which was why I paid the fee. I believe this to be false advertising.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (WA)

I had paid my credit card balance in full and closed the account since I did not find the results of complaint case number XXXX did not adequately resolve my complaint. They have shown for 2 consecutive months that I am over my limit and do not show that I have paid the account balance in full nor closed with positive satisfaction my CC account.
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (IN)

I have a payment plan with Associated Bank aka Elan financial on a credit card I was behind on over 2 yrs ago. Set up XXXX a month auto deducted from checking. Have been paying for over 2 yrs. They have put 30 day late payments with all XXXX credit bureaus for XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015 XXXX 2015, XXXX 2015 even though XXXX is auto deducted from my checking monthly. I have contacted them. They refuse to delete. I sent them copies of my checking where this is being deducted. They still refused. I notified XXXX, they still refused to take care of this. I disputed with XXXX and XXXX ... .and Associated/ Elan told them the lates are correct even with copies of my checking where this is deducted. I need these lates removed immediately. It is hurting my credit score. I need this removed from all XXXX credit reports. They are reporting to each c bureau that I have been 30 days late for these months and then at the bottom it shows XXXX a month payments for these months. I am trying to purchase a car. Thank you for your help. 
XXXX XXXXXXXXXXXX
Consumer complaint received 2017-01-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Unlimited Progress Corp (IL)

I sent a letter to CREDITORS DISCOUNT & A letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and CREDITORS DISCOUNT & A refuses to delete the fraudulent accounts from my credit report stating in a letter its verified CREDITORS DISCOUNT & A provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XX/XX/2017. 

XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my XXXX written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and Section XXXX ( XXXX ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section XXXX ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX {$210.00} Thank You XXXX
Consumer complaint received 2017-03-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (GA)

NOTICE OF ERROR AND REQUEST FOR CORRECTION XXXX This is in response to your letter dated XXXX regarding the inapplicability of the rescission of the alleged contracts that encumber my home. 

Please make note of the following facts. 

1. The written request to cancel and the refund my $ XXXX was delivered to and acknowledged by XXXX ( The Manager of XXXX that initiated the contracts ) on XXXX at XXXX. 
2. The rescission of those contracts was effective as of XXXX on XXXX. 
3. The rescission was proper, timely, and unchallenged by XXXX in " XXXX ''. 
4. XXXX I put a copy of the same written request in the hands of XXXX of XXXX. XXXX did not challenge the rescission in XXXX. 
6. These heavily flawed NOTES and DEEDS that have been continuously used to extort money from me since XXXX were rescinded and extinguished XXXX. 
7. XXXX did not acquire servicing rights from XXXX on XXXX, as there were no loans to service. XXXX can not transfer the servicing of what it does not have. 
8. The loan contracts initiated by XXXX against my property were effectively rescinded in XXXX and were not a part of XXXX receivership by the FDIC in XXXX. 
9. XXXX 's attempt to rebrand what it knows to be a dead and yes fraudulent note with a NEW LOAN number by way of an " assignment of servicing '' to Seterus is unconscionable. 
10. Seterus has created a new transaction and given it a new loan number that has nothing to do with my property. XXXX has no record of this loan of Seterus '. XXXX had a record of the loans with their corresponding numbers from XXXX from XXXX. 
11. Seterus does not service or recognize the above listed Mortgage contract identified with ID # XXXX. XXXX must cancel that note and deed as it no longer has a balance to be repaid and has a cloud on my title. 
12. XXXX needs to remove the deceptive assignments of Security Deed as XXXX did not acquire ownership to convey to XXXX. XXXX XXXX gained ownership of the defective paper in XXXX. Your erroneous and willfully deceptive assignments create a cloud on the title to my property. 
13. No provision in that voided deed includes a right for the creation of a new loan ( and loan number ) with a transfer of servicing or the sale of a note. Section 20 provides for notification of change and the inclusion of the name and address of the new servicer and the address to which payments are to be made. 
THIS COMPLAINT MIMICS COMPLAINT ABOUT XXXX AS THE XXXX COMPANIES ARE ACTING IN CONCERT TO DEPRIVE ME OF MY PROPERTY XXXX
Consumer complaint received 2023-01-05
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. ()

Dear Everyone, Unfortunately, the system won't let me log in, so I can only email you. 


Complaint id XXXX To put it simply, the {$77000.00} was a line of credit, but my mother did not actually withdraw it from the bank. It never actually went into her account! 
Instead, money equal to the amount of this line of credit was transferred to XXXX. And this is true. 
So why should she have to pay off a loan she never received? 
At most, only money related to the maintenance of the credit line, XXXX. all interest, should have been transferred to XXXX 's account. The {$77000.00} is principal. And separate interest. But the principal was never held by my mother. It never went into her pocket, it never went into her bank account! That sounds like a theft. 

My mother took out a line of credit with the XXXX XXXX XXXX for {$77000.00}. But the money was never disbursed. 
Now here 's the problem : XXXX XXXX transferred the same amount of money to XXXX 's account. From my mother 's estate! 
On XX/XX/XXXX, the XXXX XXXX Department informed me that the {$77000.00} was deposited into Champion Mortgage 's account. But it was never in my mother 's account. So she never actually owed this {$77000.00}, only the interest and insurance costs associated with it. 

I received your letter. 
Unfortunately, I can not agree. 
To me it is irrelevant that the reverse mortgage was closed. My question is this : no one has noticed the important fact that my mother did not receive the {$77000.00} reverse mortgage. 
The amount of the {$77000.00} reverse mortgage was transferred to Champion Mortgage. How was XXXX able to close this case? 
Did the accounting firm not realize that when my mother 's case was closed, the income was {$77000.00} more than the expense? 
Is the credit union trying to make a profit on my dead mother 's money? 
For the sake of order, I will describe this terrible case one more time. 
So. 
My mother had a reverse mortgage debt of {$230000.00} on XX/XX/2017. 
On XX/XX/2017, she signed a reverse mortgage loan for {$77000.00}, which she was no longer able to use and the {$77000.00} was transferred to Champion Mortgage. 
Total : {$270000.00} this is how much my mother owed on the reverse mortgage. 

Total : {$270000.00} that's how much my mother owed the reverse mortgage company. 
I am asking for your help because someone or someones made a big mistake in this case. 

Thank you. 
Best regards, XXXX XXXX