davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I opened a XXXX store credit card in 2010. I actively used my card to make purchases, was a loyal customer, never had any late or missed payments on the account, the creditor was never included in any bankruptcy filing, never received any communication from any court or attorney in regard to any bankruptcy, and has no first-hand information whatsoever regarding any such filing. Yet, this creditor has coded my account for bankruptcy and is communicating this status to the credit bureaus. When I disputed the matter with Equifax, they performed a cursory, automated verification and told me that the item has been reported correctly. When I wrote to XXXX XXXX ( XXXX ), they told me that the credit bureau notified them of a bankruptcy filing, so they updated the account, and would not change it. I do n't find this explanation satisfactory. They should not be able to send the same information back and forth between Equifax and XXXX, both citing the other as the source of the information, and claiming the information from the other party validates the information. It 's a circular argument. I 'm asking that the creditor remove the comments pertaining to bankruptcy on my account, or delete the account altogether due to their failure to respond to my dispute with any information to back up their claim. Thank you for your assistance. I 've attached some of my correspondence pertaining to this matter.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I RECENTLY CHECKED MY CREDIT AND NOTICED A XXXX XXXX XXXX SVCS ACCT REPORTING A CHARGE OFF FOR XXXX ON A VEHICLE IVE NEVER OWNED OR LEASED, SO I IMMEDIATELY FILED A DISPUTE WITH THE CREDIT BUREAU WITH ALL SUPPORTING DOCS TO PROVE ITS NOT MY ACCT. UPON COMPLETION OF DISPUTE IT CAME BACK VERIFIED AS MY ACCT SO I CALLED EQUIFAX AND THEY STATED XXXX VERIFIED ITS MY ACCT SO I CALLED XXXX TO ASK HOW THIS ACCT WAS VERIFIED SO THE REP XXXX AT XXXX XXXX WAS VERY HELPFUL AND ASKED MY SSN # AND IMMEDIATELY TOLD ME ITS NOT MY ACCT AND SHE WOULD IMMEDIATELY WORK TO GET THIS MATTER REMOVED FROM MY CREDIT REPORT. SO THE NEXT DAY I CALLED TO FOLLOW UP AND SPOKE WITH XXXX XXXX WHO ALSO VERIFIED ITS NOT MY ACCT AND WOULD WORK TO HAVE THIS ISSUE RESOLVED A COUPLE HOURS LATER I RECEIVED ANOTHER PHONE CALL FRM XXXX XXXX STATING I NEEDED TO FILE A POLICE REPORT STATING MBFS ACCT XXXX WAS A IDENTITY THEFT CLAIM OR MBFS WOULD NOT REMOVE THIS ACCT OFF MY CREDIT WHICH IS BLATANTLY WRONG WHEN ITS NOT MY SSN # ATTACHED TO THE ACCT NOR MY PERSONAL CONTACT INFO SO WHY SHOULD I HAVE TO FILE A FRAUDULENT POLICE REPORT TO HELP YOU RESOLVE AN ISSUE THATS NOT MINE AND NOW THIS ACCT HAS BEEN REPORTING AS A REPOSSESSION ON MY CREDIT REPORT NOW OVER 30+ DAYS NOW AND WILL REMAIN THERE DURING AND INVESTIGATION PROCESS OF 30 MORE DAYS TOTALING 90 DAYS TO BE PENALIZED FOR AN ACCT THATS NOT MINE AND THIS MATTER HAS DROPPED MY SCORE DRASTICALLY AND I CANT REFINANCE MY HOME NOR BUY A NEW CAR OR APPLY FOR CREDIT OR EMPLOYMENT DUE TO THIS ERROR ON THEIR BEHALF WHICH IS UNACCEPTABLE. ITS BLATANTLY A FCRA VIOLATION THATS HENDERED ME TO THE FULLEST EXTENT AS A CONSUMER AGAIN IT UNFAIR. SO I HAVE NO CHOICE BUT THE SEEK COUNSEL AND FILE A LAWSUIT IN LOCAL OR FEDERAL COURT ON THIS MATTER AND SUE FOR DAMAGES AND PAIN AND SUFFERING DONE TO ME AS A CONSUMER .. 
Consent to publish the description of what happened? Consent provided Product Vehicle lease Issue Managing the loan or lease
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (SC)

The Account referenced has been placed with a collection agency by XXXX XXXX XXXX multiple times in the past. after a past complaint the account was removed from my report. Now months later it has reappeared again ( XXXX XXXX ). Please see attached documentation from previous mistakes by XXXX XXXX After the last time the XXXX representative assured me and the representative from The CFPB ( on a conference call ) that this was not going to happen again. Yet again It has appeared on by credit report. How Many times does XXXX Get to play this game? 
This time " XXXX '' Is now the Collection agency XXXX. 
XXXX ( XXXX ) XXXX XXXX, MT XXXX
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: TRANSWORLD SYSTEMS INC (MD)

Debt was reported to the credit agency, no contact information. I then received a phone call the caller did not identify himself just the agency he was calling from and reason for the call, I inform him that the insurance company paid the debt and I was not responsible for the entire amount just {$57.00} copayment. He then proceed to tell me how embarrassed I should be and I could be sued and my wages garnished if I did not pay. Or if I wanted to have the derogatory mark on my credit for 7 years he would see to it.
Consumer complaint received 2017-01-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Green Trust Cash, LLC (PA)

I received a payday loan several years ago and continuously receive harassing and abuse emails from a 3rd party debt collector - to my personal email address. The emails are abusive, continuous, and seem to become worse. I receive abusive emails -approximately one email every 8 days. Via these emails, I have been harassed consistently, called irresponsible, and also called childish. I have received a total of 62 harassing emails since XXXX 2015. I have saved all emails from this collector.
Consumer complaint received 2015-07-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (AL)

I opened an account thru my work place and the agent on site stated that there would be no monthly fee because of who I worked for. After a month or so, after reviewing my statements, I was being charged a monthly fee. Also, I overdrew the account and was charged numerous bank fees which cause the account to go more into the negative and the bank closed out both my accounts.The fees were ridiculous and I made certain that I spke with the on-site representative about charges as such before I opened the account. What the representative told me and what actually happened what XXXX totally different things. I went to local bank to explain and the agent in the bank was very nasty and negative with her responses. She kept making the statement, " You People '' which was very degrading and she did absolutely nothing to assist me with the account. She gave me a phone number and told me to call " once I left their bank and make '' and she was sure that they would make " some kind of Arrangements '' for me to pay what I owed. SHe never acknowledged the fact that the agent that was onsite at my work lied. She never offered to go over the balance with me to explain how my account resulted in such a negative balance, and she spoke to me as if I did not even belong in their bank.
Consumer complaint received 2015-11-20
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BB&T CORPORATION (VA)

I was called by the Fraud Department of BB & T bank, XXXX, alerting me to the fraudulent use of my credit card. I returned the call and was told a new card would be sent. I received new card but BB & T bank during XXXX branch visits could not verify charges, account numbers or fraudulent activity on any account. 
I am concerned this might be a scam.
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (PA)

I recently submitted a complaint in regards to late payments reported on my credit after a XXXX modification. I have since received notification the late payments would be removed which we are thankful for. Now I check my credit and the BB & T mortgage which should be our current mortgage provider is now marked as closed and the late payments are still showing. The XXXX mortgage has been closed and the late payments removed-this is accurate. Then there is a XXXX XXXX Mortgage showing Open-Current, but also has the late payments. Can you assist me with fixing this. thank you
Consumer complaint received 2016-09-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (NM)

Was Covered under State Welfare/Medicaid ( XXXX during a Period of Homelessness. 

( XXXX ) XXXX Florida The credit bureaus have filed disputes, I have contacted the business over the last couple years several times a year to get this resolved with both the hospital and the debt collector. They originally admitted that they had double and triple charged me and this was to be resolved back in XXXX for XXXX. The debt collector said I need to contact the hospital and the hospital said not to worry about it but it still on my credit reports multiple times. All XXXX credit bureaus are working on this.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

A XXXX door-to-door salesperson was attempting to sell me XXXX services. At first I agreed until I researched the circumstances on my phone and found there were some cases of fraud in a similar situation in my area. The sales representative called an individual on the phone who asked for my social security number in order to do a credit inquiry and I said no. The lady on the phone then said she could look up my 'secret questions ' to confirm my identity for a credit inquiry. I was placed on hold for several minutes and the phone hung up. At that point, I refused the service. I never game my SSN, and I never answered any secret questions for my XXXX account. I was alerted to a change on my credit report today ( 2 days later ) where XXXX had performed a hard inquiry.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

I have filed a Chapter XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX XXXX XXXX XXXX is listed in the bankruptcy. I had XXXX accounts with them that 's been discharged. XXXX is only listing XXXX of XXXX as discharge and reporting the other XXXX debts as delinquent on my credit report. The XXXX accounts should be closed because I have n't used them since XX/XX/XXXX.I 've contacted XXXX several times about this matter with no solution. Please help. I 've turned my credit around and XXXX is maliciously hurting my chances of being a home owner! XXXX and XXXX are reporting the debts as closed and discharged through bankruptcy which is correct. Equifax is falsely report these accounts as open. Equifax and XXXX is reporting falsely.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IL)

I received a copy of my Equifax credit report. The credit report showed a credit inquiry by XXXX, XXXX, and Equifax Mortgages that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have asked that this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. I have asked so kind as to forward me documentation that they have had the unauthorized inquiry removed. 
Or if they find that I am remiss, and they did have my authorization to inquire into my credit report, then please send me proof of this. 
Equifax is refusing to investigate unauthorized inquiries on my credit report.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

The Creditor is seeking payment from me for a debt that is not mine. After reviewing my credit report and researching the information, it has been proven that the Creditor is owed by someone with a similar name. This issue relates to an older vehicle that accumulated citations and a collection agency is attempting to collect the debt. I was able to retrieve the tag number and make and model of the vehicle. I have never owned that vehicle or the tags associated with it, and this information is documented in the XXXX XXXX. Therefore, I am requesting that this Creditor and this debt be removed from my credit report immediately.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NY)

I submitted a dispute in XXXX to XXXX Equifax and XXXX. XXXX completed their investigation and found out XXXX of the information that I disputed should not have been on my credit report. They removed, updated and corrected the information. XXXX has not done the same. Equifax refuses to fix my credit report. They have information on their that 1. does not belong to me and is incorrect ex. pucblic records, XXXX and XXXX investigated and removed. I pay for a monitoring service from all XXXX. They should update from the other 2 credit reporting agency. My XXXX score is XXXX with XXXX. XXXX XXXX is XXXX and equifax if a XXXX. That is unacceptable. Equifax and XXXX should be reporting the same as XXXX who took the time to investigate and provided the correct information. My financial situation is severly getting affected because of Equifax and XXXX. Please have Both equifax and XXXX update my credit report as XXXX did. All information on XXXX is correct. I am also attaching all XXXX of my current credit reports so you can see how bad equifax is. I only had to call and dispute once with XXXX. I called Equifax 15 times and disputed about 10 times and they still refuse to do anything about it.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AL)

RE : Equifax and XXXX Credit Report I am writing this complaint because I have gone through this long enough with both of these companies without a solution to this problem. I have tried to request copies of my credit report from both Equifax and XXXX and I have been constantly rejected each time. I have even gone through Free Annual Credit Report and still ca n't get my reporting due to being told that I have no credit file on record. I am being told that there was a freeze was placed on my file and I do n't know by who.This has cost me credit as well as job opportunities all because these people want correct my reports. I have asked and asked Equifax to correct this error and it seem to be have gone on deaf ears once again. My inquires on my credit reports are outrageous due the errors made by Equifax and XXXX which intend has affected my other score. I am requesting that all of that be corrected for future inquires. Equifax has asked me to mail, fax and everything else to them my personal information and I have done that on several occasions with no change in my report file when it has been pulled. I am starting to believe that someone there has hijacked my credit because all I get when I asks for answer to what going on with my report is the run around each and every time. This has also been the case with XXXX. Every time I have tried to request a credit report I am told that I have already received my free report and on that note I ca n't have because I have never requested one until recently. I have submitted all my personal information to Annual Credit Report Request Service to see if l can get some help solving this matter that seem to be of no concern to these XXXX Credit Bureaus. I have enclosed per their Request by their Mail in form a copy of my Social Security Card, Pay Check Stub with mailing address and a copy of my current Alabama Driver License to prove my identity and that I am in fact XXXX XXXX XXXX
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MD)

I have requested online my credit reports from the XXXX bureaus for myself and my wife on XXXX XXXX on XXXX. I received a message for Equifax that they could not provide my credit report due to technical difficulties. I went back three days later to pull the missing reports again and was told that I was not eligible to receive the reports since I already requested them. I then wrote to XXXX, who then sent me a letter stating that they could not help me and I had to take up the issue individually with each bureau. They only provided mailing addresses, no phone number, or email. The credit bureaus ' website also did not provide any contact information besides mailing addresses. It is very costly for consumers to have to deal separately with each credit bureau in order to get the reports that they are due by law. 
In addition, I have been trying to verify the credit freeze status of our reports and this has proven impossible. We have had freezes put on our reports in the past for security purposes, but these have been lifted temporarily when we were getting a mortgage and I wanted to verify that they are in place. As far as I can tell, the only way to be sure that our reports are frozen is to pay to refreeze them and that just seems plain wrong. 
On a more general note, it is disturbing that there are these credit bureaus out there that amass information about me, whose information provision has a substantial impact on my financial life, yet who make it tremendously difficult for me to actually contact them or communicate with them. 
Please note that I have filed a related complain with XXXX.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MO)

Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all XXXX major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX CB 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Equifax is neglecting to delete these items from my credit report.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I asked XXXX XXXX ( XXXX ) to temporarily reduce monthly payments on my XXXX card. They replied that, in order to satisfy my request, I needed to enroll in an automatic payment plan for all of my ( XXXX ) cards until I had paid all balances or went off of the payment plan. XXXX assured me that the accounts would not be reported delinquent or late if the agreed-upon monthly payment went through. After a few months of on-time payments, XXXX reported a 90 day late payment on XXXX of my accounts. 
As I had several run-arounds with customer service that kept posting my payments incorrectly messing things up ( I had to close XXXX accounts to avoid further " mistakes '' ), I was told most recently that the 90 day late payment report went already out and therefore could not be changed. I would like XXXX to change the report about a late payment because it never happened since all payments, although reduced per agreement, were made on time.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (CO)

I appear to be a victim of credit card fraud. My Discover card ending in XXXX was apparently used fraudently in the XXXX area on or about XX/XX/2017 thru XX/XX/2017 for a total of XXXX charges for {$2000.00}. My credit card company is asking for a report # for a formal policy report, please advise on how I obtain this.
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (OR)

Discover offered a promotion of XXXX miles per dollar when using XXXX Pay to pay for transactions, up to {$10000.00}, until XXXX/XXXX/15 ( doubled after one year ). I applied for the card and paid {$650.00} for an iPhone exclusively to take advantage of the promotion. Discover then altered the terms of the promotion and excluded gift cards. 
Discover needs to honor the initial terms of the promotion and give me the miles I am owed ( over XXXX ).
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (NY)

Discover ran a promotion for XXXX the miles on the Discover IT Miles credit card for purchases made using apple pay through XXXX XXXX, 2015 on up to {$10000.00} in purchases for a total maximum of XXXX miles. I spent more than {$10000.00} during the promotion but did not receive a significant portion of the miles. I contacted Discover and they are requesting that I submit receipts to verify that my purchases were eligible. I have never heard of a company forcing a customer to produce receipts for purchases. None of my transactions were cash advances, they were all purchases.