davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK (IL)

I have had a Discover Card for some years now, so today I received the following email from Discover Card : '' Important Information about your AccountFrom Discover Card Customer ServiceDate Received : XXXX/XXXX/2015 XXXX PMDear XXXX XXXX, Action Needed : A recent account review indicates that your income information may be outdated. We are required by federal regulations to have your current income on file in order to service your account and satisfy your future credit needs. Please take a moment to update your income. 
Your privacy is very important to us. As always, we will keep your information secure. 
Simply click here to update your information now. To update your income in our Mobile App, log in and select " Profile & Settings '' from the menu and select " Account Profile '' from the sub-menu. You can also call us 24 hours a day, 7 days a week at XXXX. 
We appreciate your business and the opportunity to be of service. Thank you for choosing Discover. 
Sincerely, Discover ( R ) Card Customer ServiceIMPORTANT INFORMATIONYou are receiving this e-mail because you are a Discover Cardmember. 
Please do not reply to this e-mail as we are not able to respond to messages sent to this address. " So, my question is : WHY is there a federal regulation requiring me to tell Discover Card my annual income? And guess what, I am breaking this regulation, because I wo n't be giving Discover Card my income - PLEASE PROSECUTE ME, PLEASE PLEASE.
Consumer complaint received 2016-06-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (MI)

Three weeks ago I sent in {$100.00} for a payment its still NOT processed and the balance keeps clocking away against me. {$50.00} 2 weeks ago still not processed and of course the {$50.00} a week ago is still not processed. Its amazing that three weeks can pass and the payment is still not processed onto the balance and the bank benefits with the higher interest while not processing payments mailed in weeks ago.
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

I have made numerous calls and sent numerous faxes to Equifax. The faxes contained a cover sheet with Name, Address, SSN, D.O.B., File #, email address, and the reason for the fax, which is to remove from credit file. The fax also contained a letter on company letterhead, my name, date, acct #, and in the body of letter, info stating this account was no longer with this company ( XXXX XXXX ) and has been deleted from their files. But, no matter how many reps I spoke with ( over XXXX ) or how many faxes I sent, they still would not remove, this collection from my file.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I am still having problems with XXXX XXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

I would like to have the judgment for {$930.00} ( XX/XX/XXXX ), judgment for {$39000.00} ( XX/XX/XXXX ), and the judgment for {$2400.00} ( XX/XX/XXXX ) removed from my credit report as I was able to have done with XXXX.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (DE)

Am having a huge problem with Equfax for the past few years they have not be releasing my file to anyone i ca n't disputes online i do n't understand what else to do. I need your help to look into this issue with this company. I want them to release my file so that i can access my report trough third party and also able to disputes incorrect information on their site.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

This card was lost, so they said they would have to do a cancel on it, and replace it ; and just the last 4 digits on the card would be different. This is not a reportable item. What else can a company do when a credit card is lost? So, should the company not have reported it as closed? This should not reflect in any way as something bad on my credit report. Who does n't lose one of their cards now and then? That has nothing to do with my credit worthiness. Please take this off, as the card was immediately re-issued. Thank you.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NE)

XXXX XXXX XXXX XXXX has repeatedly reported erroneous information to Experian about the date of credit card closure and credit limit. However, upon disputing the information with Experian, I was informed the current account information was correct. Unfortunately, different information about the dates of account closure and amount of the credit limit have been reported to the XXXX major credit bureau 's, and it is unlikely the correct information exists at this point. 

Therefore, I ask that Experian remove the closed XXXX credit card account from my credit file immediately. 

Attached to this complaint as follows : Results from the CFPB complaint with XXXX. Reported {$8500.00} credit limit, closure date of XXXX. 
Results from CFPB complaint with XXXX. Account information inaccurate, account removed from file. 
Results from XXXX dispute. Reported credit limit {$2500.00}, closure date XXXX. 
Results from Experian dispute. Reported credit limit {$10000.00}, closure date of XXXX.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

Experian has been asked to remove a total of XXXX collection accounts that can not be verified by them per section 609 of the FCRA. These are medical bills that are violating HIPAA. The company that is reporting these accounts are XXXX and I have reached out to them by phone and they do not have physical proof that links these accounts to me. They can not produce physical documentation but yet Experian his saying they have investigated and the reporting meets the requirements under the FCRA. This is incorrect. Experian 's feeble attempt to continue to report this information against me is against the law and they need to be fined or sanctioned for such behavior. I have written them and sent letters to them via certified mail. They drag their feet and say they need more ID information even though I sent them a notarized copy of my DL and SS Card and then they continue to stall on what they are supposed to do. I am demanding that if they have physical proof on file showing their right to report the accounts from XXXX against me then send it to me. The documents need to show my signature, they can not send them because they do not have them. I am demanding that Experian REMOVE these items immediately and stop playing games. If a law is in place that protects me against frivolous postings on my report then why are they not following the law? They are making things very difficult because they will not provide proof of their right to report. They simply say the company verified. But when I call XXXX and ask for the original documentation they tell me they do not have it and do not need it. Really? Then how can you say that what you are reporting is accurate, complete and verifiable. I demand these items be removed IMMEDIATELY
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I have had a credit card account submitted to credit reporting agency Equifax by XXXX XXXX. I have been trying to clean up my credit and report and stirred up XXXX they called me trying to collect on a debt ... when I told them I did not have a way to pay them any money due to no work and being diagnosed with XXXX and XXXX the lady hung up on me then when I looked at my credit report that same day information was very confusing to say the least ... .the account was removed, then it is n't, then im nearing credit limit and then I am XXXX % utilization which would mean I 'm over drawn, then the account is open, then its closed ... how can this be a good practice ... .I am very confused as to why they can play around with information in this way. To say the least the lady who called me was very rude.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I submitted a dispute because there was a fraudulent inquiry on my credit report. I spoke with the company XXXX XXXX and they cancelled the application. XXXX XXXX also sent out correspondence. I decided to dispute the inquiry however, Equifax is did not remove the inquiry stating " Inquiries are a factual record of file access ''. This violates FCRA. Equifax was suppose to contact the data furnisher to verify whether it was fraud. Obviously Equifax did not do anything because clearly Equifax feels all inquires are factual even if fraudulent. This is not the only time an inquiry was fraudulent and I received this dispute response. I have entered into litigation with Equifax before and I do not mind filing suite again.
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (MN)

I am in the process of a refinance. All of my paperwork is submitted, and I have been approved. The new loan company, XXXX Mortgage, is all set. The title company, XXXX XXXX, is all set. I was supposed to close today, XXXX XXXX. But the current loan holder, Seterus, has not issued the necessary payoff quote. XXXX XXXX made a request on XXXX XXXX, but it was denied because they did not use the internal Seterus form. They were never told that they had to use this form, even when on the phone with them. I was not notified of the denial. I have a secure email inbox on my Seterus account, and they did n't put a notice in there, only a notice that a fax request was received. So I submitted a payoff quote request online on XXXX XXXX. Upon submission, a note comes up that says give them up to XXXX business days. But when I call, they tell me it *might* take XXXX business days but maybe longer. All requests for expedited service are denied. Their communication has ranged from nonexistent to wildly unhelpful. I can only reach customer service reps by phone, and they will not escalate my request, saying instead that " everybody has a story. '' I am told by many people in real estate that the practices outlined above by Seterus are highly unusual. I feel like my loan is being held hostage by a predatory lender.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MA)

I have spoken with both Equifax and XXXX credit bureaus and both have stated that the information XXXX XXXX is listing as my reason for being declined is not correct. 
I have seen a copy of both reports and also do not see the reasons listed from XXXX XXXX.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IA)

I have an account with XXXX XXXX on both my Equifax and XXXX credit report that is delinquent and closed ( written off ) that is not mine. I 've tried disputing, but it 's hard to prove something is n't yours. I 've tried calling the company the account is with, but am unable to even access the account because I do n't have the account number ( BECAUSE THE ACCOUNT IS N'T MINE ). I 've also NEVER received a bill for this account. I just found it when looking at my credit report one day.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

I have disputed an account for XXXX XXXX XXXX XXXX at least XXXX times. XXXX off the beginning credit on this account was {$26000.00} and the credit report has {$20000.00}. Also, it states that my vehicle was repossessed in XXXX and XXXX XXXX is incorrect.The balance of this account was paid in full in XXXX on the said day of repossession. There is no balance and the information listed is false. If this is not resolved properly, I will need to move forward with legal action.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

Equifax is listing multiple hard credit checks when they should be soft. Applied for a mortgage and a new car loan, XXXX listed every inquiry instead of combining them under one. XXXX has XXXX hard checks and Equifax has XXXX ... and they will not correct it..can you be of assistance?.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I would like to dispute lien XXXX in the matter of {$5500.00} which appears on my credit report. I have been attempting to communicate and contact Equifax regarding the incorrect and invalid lien and they continue to harass me and ignore me. I have been denied all requested descriptions and procedures and realistically asked to go away and not bother them over the phone regarding the matter. I am appalled at their behavior they are sternly refusing to provide me any proof, documentation and evidence of their investigation and have told me repeatedly that it is not in the " law '' to provide me with any information. 
They have also claimed that they have received NO communication from me reading the matter and that is in fact false. I have faxed and mailed the LIEN Release form XXXX and Form XXXX regarding the disputed lien and they claim to have not received such documentation and communication. This company is clearly not doing their job nor anything legal for that matter. I would like to escalate my matters further. I have suffered tremendously due to their ignorance and refusal to follow the federal guidelines. I have asked for public record documentation an the best that I have seen was a form from 2009 regarding the initial lien. The dates or incorrect and the legitimacy is incorrect and this account should NOT be reporting on my file. I am no holder of a lien nor am I indebted to anyone. I have told them over an over again that the address of the lien was incorrectly linked to my name, as I live their as well. The lien is under a XXXX XXXX at the SAME address.
Consumer complaint received 2016-08-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (DE)

My home is currently up for sale in XXXX. We moved to our new home in XXXX, and discovered someone is using our XXXX address to obtain credit cards from XXXX XXXX, XXXX XXXX and Discover. XXXX and XXXX XXXX denied this person credit ; however, Discover mailed a credit card in the fraudulent name to our mail box. We think this person comes by our vacant home and checks the mailbox for creditor responses. Our USPS was notified of our move ; however, only some of our first class mail is being forwarded. I hope you can provide advice. Thank you very much.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (NY)

While I have been making my payments to my Discover card, they have and are still withdrawing funds from the incorrect bank account, which have caused me a total of XXXX overdrafts, cost me {$320.00} worth of fees from the bank ( which the bank has reimbursed ) and {$75.00} returned check fees from Discover which they have not reimbursed.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (GA)

As noted in the letter CFPB Case No. : XXXX, An offer was made to pay XXXX. However. Im rejecting this offfer on the grounds that I should have never been asked, to assume a debt of XXXX, ther card was issued to me with a debt of XXXX i was coierced into assume the debt by a discover rep who told me that discover would attach a lein on the property that I inherited, my credit report still shows a charge off of XXXX. I recently received a collection letter from XXXX to collect a debt of XXXX If Im offered a settelment to pay XXXX why does my credit report still reflect the the amount of XXXX. Im asking that you remove all references of this from my credit history with all XXXX major credit credit reporting agencies.I will excercise all my rights as a consumer in this matter
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: CORELOGIC INC (NC)

The following companies performed hard inquiries into my credit without my knowledge with damaging consequences to my credit report. When i contacted each the response was always a ) they wanted more personal information b ) they blamed someone else c ) were unable to help me by removing them : XXXX XXXX XXXX XXXX, XXXX XXXX. WONT REMOVE UNTIL XX/XX/XXXX.,XXXX # XXXX, Credco XXXX XXXX XXXX, XXXX XXXX . # XXXX XXXX WONT REMOVE UNTIL XX/XX/XXXX
Consumer complaint received 2017-04-29
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. (MO)

XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   )  for {$230.00} was disputed and removed off my  XXXX  credit report on  XXXX / XXXX /   2017  however the credits bureaus has not removed the collection off my report like it 's suppose to be
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP (CO)

I was at work on XX/XX/2021. While I was at work I received a notification on my phone stating that two charges were made at XXXX XXXX XXXX. XXXX XXXX, CO XXXX. One transaction for {$95.00} and another transaction for {$89.00} both of these transactions were made at XXXX on XX/XX/2021. I already placed a police report with XXXX XXXX police department. No i have never shared my account information with anyone or have never lend my card to anyone. I had my debit card on me the day of the incident.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

On my free credit report from Equifax , an incorrect address, one where I have never lived is shown. To dispute items on the report, it says go to " XXXX '' Over four days, my computer ( s ) can not connect to this site. I suspect it has been engineered to make it impossible for people to correct errors.
Consumer complaint received 2016-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EQUIFAX, INC. (TX)

Judgement in XXXX, TX I 'm not the correct person and I received a letter from the court stating they have never nor do they report to credit and they claim equifax and experian must be getting this information from a public data site. XXXX has removed it based on the letter equifax has not. Again, these have been NEVER reporting to any of the credit bureaus. We have asked or proof and validation of the Judgement from Equifax and XXXX and both have failed to respond
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

I applied for a XXXX credit card they sent me a letter in the mail saying that Equifax was the one who gave them the credit information. So I went to the Equifax website, It said I took out a mortgage loan in XX/XX/XXXX ( I have n't ever owned a house! ) It said I had a retail card in XX/XX/XXXX it listed places I do not shop at, which I have not ever seen and a bank card? I do n't even have a bank account. I need to know who is doing this stuff and why they are doing it me! I could n't believe what I 've seen on here!! I want to know where this all took place what addresses are they coming from? Because I will take them to court they will get locked up. This is n't fair I 've always avoided using these things because I want to keep my credit clean now that I want to use my credit I ca n't this is unreal!!! I 've always used cash for everything. XXXX!! I called Equifax @ the end it hung up on me when I asked it to repeat the confirmation number and was " supposedly '' referring me to someone I could speak too. I want all the addresses and I.D . 's looked @ the names of the people who took this mortgage in, the names and the addresses of the people who had the retail and the bank card because this is some XXXX. oh and my " free report '' was not available online. -how convenient.
Consumer complaint received 2016-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I submitted validation letters to Equifax about accounts listed on my credit report that are not mines, and that I have no knowledge of. Equifax submitted letter back stating " verified, '' and I submitted letters requesting that Equifax provide me with proof that the account is mines and they have yet to provide me with proof. 

Account : XXXX XXXX XXXX & : Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

This agency is reporting an account that is unverifiable and very old past the statute of limitations. Several disputes processed and a request to validate directly to this company with never a single response. How is Equifax able to verify when I ca n't and its on my credit file? I want this removed as it is a remark violating my rights.