davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the Person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-05-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (GA)

After attending XXXX XXXX and graduating in XX/XX/XXXX, my student loans have doubled in what is owed. Every payment that has been made has gone towards interest. I have made payments and kept up to date on my debt. However, my payment has recently doubled as part of a graduated payment plan. I can not afford {$400.00} a month to keep my account current and I am afraid I will not be able to continue making payments. When I called for assistance, I was told that there are no other options available to help me. I WANT to remain current on my payment plan, but I can not afford payments that are half of a paycheck. I want to pay my loans off, but my loan servicer will not work with me to make that possible.
Consumer complaint received 2016-12-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nations Recovery Center (OH)

XXXX I filed a XXXX complaint against Nations Recovery ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice in XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( in XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint in XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point Nations Recovery has caused so many problems with my XXXX and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (FL)

XX/XX/2015, XXXX XXXX Mortgage sold the mortgage on my home at XXXX XXXX XXXX XXXX to PNC Bank. At the time I was on automatic withdrawal with XXXX. PNC Bank did not assume the automatic payment method, nor did it send me any paperwork to make changes. However, XX/XX/XXXX I received a statement in the mail which said I was overdue for my XX/XX/XXXX Payment. I immediately called PNC Bank Customer Service, made arrangements for an EFT transfer of funds for XX/XX/XXXX and XX/XX/XXXX payments, and set up automatic transfers on the XXXX of the month for the remainder of the loan beginning XX/XX/2015. The timetable for the two loan payments was 39 days late as of that date ( XX/XX/2015 ). PNC Bank did not make the transfer until XX/XX/XXXX, 34 days after I authorized it. They then turned in a credit report of default of 73 days to the credit agencies on both my wife and me. Additionally, they did not take out the XX/XX/XXXX Payment until XX/XX/XXXX, making me another late payment again. When I set up the first XXXX XXXX XXXX, the person who arranged this assured me and my wife, who was listening on speaker, assured me we would not be penalized with a bad credit report. However, in applying for another mortgage recently ( we are moving ), I was informed by my mortgage broker we were told we had a bad report from PNC Bank, despite our assurances to the contrary. In calling their Consumer Service line, they told me it was my fault and they could n't do anything about it. I have all necessary documents including the fax with instructions and its log, the EFT authorization for the accounts remaining payments, and the bank statement which shows the delay from my instructions and the bank withdrawal ( XX/XX/XXXX and XX/XX/XXXX ). I believe the poor service from the bank and their lack of timeliness in the withdrawals should exempt me and my wife from any penalizing credit reports from PNC. Also, the operator I spoke to today said there was no one else I could talk to when I requested to speak to a manager, and would have to submit my request in writing to an office in XXXX, Ohio. Really?
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IA)

I noticed today ( Equifax ) that XXXX XXXX reported that I opened an account with them in XX/XX/XXXX and it has been charged off. They are deliberately reporting wrong information and not following the FTC reporting rules. 

I opened a XXXX XXXX account in XXXX or XXXX. I lost my job therefore I stopped making payments in XXXX. The first delinquency has been well over 11 years. Matter of fact, XXXX XXXX reported me to the credit bureau during the time of delinquency and after 7 years it was removed from my credit report accordingly. If this is the account being reported then they are in violation. However, if someone fraudulently opened an account under my social, I am requesting that this be removed immediately.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

They will not respond to any of my disputes. 
XXXX XXXX XXXX for $ XXXX I have never had a student loan with XXXX XXXX XXXX XXXX 
They say this is from 2011? I did not get a student loan from these people.
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

Equifax continues to send me a letters stating the identification information I provided does not match their records. I sent a clear copy of my Driver 's License and Social Security Card. Equifax 's latest letter was dated XXXX XXXX, 2015 asking for this same information that was sent with a previous dispute letter. Please assist me in having Equifax delete or verify unauthorized Inquiries and disputes within the 30 day time frame. 

Thank You,
Consumer complaint received 2017-02-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I recently checked my credit report and noticed a Hard Inquiry from CBNA on XXXX/XXXX/2016. I was incarcerated and was not released until XXXX/XXXX/2016. XXXX told me they could not remove the unauthorized inquiry, that I would have to contact CBNA. I contacted CBNA and very clearly explained I wanted the inquiry removed. It was not made or authorized by me and it is a criminal act to run someones credit without their consent. I was told by " XXXX employee # XXXX '' that XXXX would have to contact them. I explained I simply want this removed. It is not my responsibility to contact anybody besides who made this inquiry. I asked for a supervisor and was given a phone number to what I was led to believe was another Citibank office. It was a phone number to the FTC. After talking with them it was agreed upon that this is in fact illegal, and I should file a complaint with CFPB.
Consumer complaint received 2016-04-25
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I make an ATM deposit every 2 weeks or so at my local chase bank. Included in that deposit is my husbands paycheck. When he forgets to endorse it, I do. I have been depositing the checks for years with no problems. Chase has changed their ATM system and now each time I try to complete a deposit I get a screen that says a " customer service representative will be with you to go over your deposit. ". Then I have to search someone down who is not busy to continue my deposit. This usually takes between 5-10 minutes. Last week, I found an employee who left her office and looked over my deposit. She said " did you endorse these checks? '' I told her " yes ''. She said she could n't accept my husbands pay check. I told her I had been depositing this same check for 30 years with no problems. I did not want cash back I just wanted to make my deposit. By this time I was there 15 minutes for a transaction that should have taken 3 minutes. I was fed up since it was the 3rd time in a row that I had to wait to complete my deposit. I told her how I felt and that I wanted to close my account. She said Fine. I followed her to her office where she proceeded to close my savings and checking account. She took my debit card and came back with a check.. The total of my check was {$87000.00}. At no time did she call over a manager or offer my other solutions to my problem. I told her that I thought it odd that she would just hand over this much money without making any effort to retain me as a custumer. She told me she had made a note of my complaint when entering my info in her computer. With that, I left. I opened a new account the next day at XXXX XXXX. Though I do not want to bank with them anymore, I just wanted a record of how thoughtlessly I was treated that day.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IA)

I have an account that was charged to my credit report, XXXX XXXX XXXX. Someone took out a payday loan using a bank account that was closed in XXXX with my information. They took the loan using this information out in XXXX. Again the bank acct was closed in XXXX. I want this resolved and closed and off of my name as well as my credit back up to where it should have been without this negative on my account for the past years.
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Georgia Departmen t of Revenue  had a tax lien on my property in  XXXX  and this lien was satisfied on  XXXX   XXXX ,  XXXX  in the amount of {$1100.00}. This is an error which should not be on my   XXXX    or Equifax credit reports.
Consumer complaint received 2015-07-30
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (WA)

I changed my address for my account at Ally bank to a local address in XXXX, WA. Ally bank once again locked me out of my account without even contacting me at all and are stating that they need verification that i live at that address. This address is for a food bank. I am homeless and therefore do not have any utility or other bills sent to this address. This is an ongoing problem with ally bank, but not a single XXXX of my other institutions. not XXXX, not XXXX, not higher XXXX ( my student aid bank ), not a single other financial institution has a problem with me or my addresses, but ally immediately shuts down my acct everytime i try to change my address with them. They even once changed my address against my will and without authorization, then tried to lock me out yet again. I am sorry that i do not have a permanent address like most people but surely there are other people this is happening to. my dad retired as a XXXX and had a XXXX for years and never had a single problem, but yet ally wants to give me problems all the time. This is discrimination against the homeless and i am sick and tired of it. this is like the XXXX or XXXX time ally has locked me out of my account and refused to allow me access to my own money. How are they allowed to repeatedly do this???!!!
Consumer complaint received 2015-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ZENCO COLLECTION, LLC (FL)

On XXXX XXXX XXXX I received a phone call from Zenco Collections indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XX/XX/XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

All XXXX credit bureaus, Equifax, XXXX, and XXXX are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Chapter XXXX Bankruptcy filed in XXXX. However, the Bankruptcy was never confirmed and was dismissed in XXXX by Court order. Order of the Bankruptcy Court specifically states ORDER DENYING BANKRUPTCY OF CHAPTER XXXX PLAN and DISMISSING CHAPTER XXXX CASE. EQUIFAX does not report this correctly. EQUIFAX only reports the Filing and the Dismissal on the credit report. EQUIFAX fails to report the DENIAL OF CONFIRMATION which effectively moots the bankruptcy.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

I have disputed a collection account XXXX XXXX who has been reporting false information on all XXXX of my credit reports. I inform Equifax and disputed the information on my report along with documentation regarding the false and inaccurate information. Within one week the return with The Company states it 's my account and it will remain on my report. I would like to file a complaint for them failure to properly investigate and continue to report false information on my report. I 'm also complains about XXXX XXXX XXXX XXXX Credit Card that was included in my Bankruptcy and they refuse to put a XXXX balance as I previously disputed.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I discovered that my Chapter XXXX bankruptcy had been incorrectly reported as being discharged XX/XX/XXXX. I filed the bankruptcy XX/XX/XXXX and the XXXX XXXX bankruptcy court discharged on XXXX XXXX. This was incorrectly added to my credit record at all three credit reporting agencies some time this year and was not reported to me through the credit reports I obtained as late as XXXX XXXX, XXXX, but it was reported to several mortgage companies in a report obtained through XXXX XXXX on XXXX XXXX, XXXX, XXXX # XXXX. I called all XXXX credit reporting agencies ; XXXX, XXXX and Equifax last week ( XX/XX/XXXX ) to file a dispute and sent a copy of my bankruptcy court order to each of them showing the correct discharge date. XXXX and XXXX have both since corrected this in my report, but Equifax is telling me they are still investigating and that they have 30 days to correct the error. They fuse to give me any assurance it will be corrected any sooner. In the mean time I ca n't get the refinance mortgage I am trying to obtain. 

However, the most disturbing problem is the reporting of this public record. Equifax told me that they received this erroneous report directly from the Bankruptcy Court in XXXX XXXX, TX. I called the Bankruptcy court directly and they told me that the court does not report to the credit agencies. I pressed Equifax repeatedly to verify where they got this information and noted that all XXXX agencies had the same error on all XXXX of my reports. I asked for some kind of verification of who reported this information and they insisted that they got the information directly from the public records. I find this very difficult to believe since all XXXX agencies had the exact same erroneous information and that it was added to my credit report at all XXXX agencies at the same time, especially when it was n't shown with a discharge date of XXXX XXXX on any of my reports last year when I was able to get a mortgage to purchase the house I bought XX/XX/XXXX. I would not have been granted a home mortgage with a bankruptcy discharge less than four years old. 

I want to know who reported this to the credit bureaus. If all XXXX of the obtained the information themselves, at the same time, then who are they really getting this information from? Is there some third party public record reporting service they all use that they refuse to disclose or are they actually getting this directly from the official bankruptcy court records? And, more importantly, why is it wrong? Who is responsible for this? 

FYI, I have the credit reports from all XXXX agencies I obtained through XXXX XXXX and the credit report from XXXX XXXX as well as the court order discharge I obtained directly from the Bankruptcy court in XXXX XXXX, TX available if needed.
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

Without my knowledge, my Macy 's account was tied to a separate American Express account. When I paid to the account number on my Macy 's credit card, which cleared, I was unaware I was paying to a XXXX balance American Express account, and not to my " Macy 's '' balance. Over the course of many months, I tried to reconcile this online, through the Macy 's website, but every time I tried to log in during the spring, summer and fall of 2015, I was told the site was " temporarily down. '' I called the number on the account at least 2 times and was unable to speak to someone who could tell me what was going on. Finally, after receiving a check from MACYS ( aka American Express ), for overpayment, the same month I received an invoice for slightly more ( due to the large missed payment fees ), I managed to get a call through to someone who understood what was happening and could explain where to pay. 
Last month I paid the full balance, and was told by the customer service rep that there would be no further charges. Then I received a bill for XXXX , apparently for some sort of balance fee, which I do n't understand. I paid that, but somehow it was mixed up again, and did n't post ( I have the bank statement to proove it ), and then received a XXXX $ bill for not paying the XXXX XXXX 
I have recently spoken with Macy 's and been assured that I have paid the XXXX $ balance, and they also told me my account was closed ... why I do n't know. That is fine, I wanted to close it anyway, but I 'm not sure if that type of closure affects my credit score.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I submitted a dispute to Equifax Online dispute concerning several inquiries on my credit report I noticed when I checked it through their website. These inquiries were not authorized by me and I am confident the bureau does not have any documentation illustrating my signed authorization to have access to my credit report. I asked them to remove them and within 24 hours they responded stating that the information was correct. I have attached a copy of their response. The inquiries I disputed are not authorized and I would like them removed.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

XXXX has been reporting a foreclosure on my credit reports for seven years. However, this mortgage was never foreclosed. In addition, the correct date of XXXX delinquency was not reported. All XXXX credit bureaus reported different XXXX date of delinquency dates which further indicated XXXX is not reporting correctly. XXXX and XXXX XXXX noticed this discrepency and deleted the account ( XXXX ). Equifax noticed the discrepency but continues to report the account after multiple investigations displayed inaccurate data. I have explained to Equifax that I was denied credit due to the account stating it was a foreclosure. On XXXX XXXX, 2015, the account was changed again to account closed and paid, and no foreclosure. I am submitting documents.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (LA)

They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by XXXX hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all XXXX credit agencies due to fraud as well as multiple incorrect entries.
Consumer complaint received 2015-09-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WI)

While checking my credit report I found an entry from a " XXXX XXXX & XXXX ''. on my credit report. On XXXX, I sent a certified letter requesting validation. I have NOT received a valid response. In a letter dated XXXX, I disputed this entry with Equifax. Equifax replied in a letter dated XXXX, that they had " Verified '' thee above entry.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MO)

I send a certified letter with return receipt. The bureau received and signed when l disputed XXXX I did n't recall having an account with them. After disputing the credit bureaus send me a letter saying the file was updated. I then send a letter requesting a copy of any documents in their file that was used to verify the accuracy of the account in dispute. I also demanded that the account be properly verified or removed. They never send me any documents. So I contacted XXXX then received a document from XXXX showing a paper that had dates of XX/XX/XXXX XXXX clearly I did n't know of this debt but they still are reporting it and its well passed the statue of limitations. Also re aging debt is illegal.