davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

XXXX XXXX is on my XXXX report as an open acct, open date as XXXX XXXX, date of last payment XXXX XXXX with a balance of XXXX {$.00} i did dispute with both equifax and XXXX because it didnt match equifax report- and during the dispute XXXX removed my acct from equifax, then put it back on with different info. the first report that was removed had an open date of XXXX XXXX, and is listed as closed, when they reentered it onto my credit report on XXXX XXXX, it is listed as open, opened on XXXX XXXX, a balance of XXXX, ( i have made no payments ) and it says i missed XXXX payments ( i havent made any payment arrangements.they also have it listed as XXXX months on XXXX report.i feel something just isnt right, and i have received no correspondence from XXXX other than when my car was auctioned and i owed the amt of $ XXXX that was back in XX/XX/XXXX.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX contines to list XXXX as late 30 days in XX/XX/XXXX. I have never paid this account late and XXXX is the only CRA reporting it as late, all others have either deleted the trade line or have it listed in a positive status. XX/XX/XXXX to XX/XX/XXXX is 7 years and the reporting period if I had paid late has expired and thus this account should be moved into a positive status on my report or the entire trade line deleted. I contacted XXXX back in XXXX requesting the update with no resolve. 

Additionally XXXX continues to also report XXXX on my account also a violation, the statute of limitations and the reporting period for this item has passed. The item was transferred to XXXX XXXX and then sold transferred to XXXX XXXX XXXX. This is a zombie debt and as such should be deleted. Due to Equifax not responding to my requests I reached out to the collection agency that the account was sold to and they have confirmed there is nothing owed and have deleted the account from my credit file as such the original creditor should do the same. The same instance has been for XXXX XXXX, this item was also a XXXX transferred to XXXX and then sold to XXXX XXXX which also states the item to be deleted as the statute of limitations and reporting period has ended as such the original creditor should be removed. 

I have tried mailing Equifax and also trying to dispute via their website and while I have a report number and key in all the relevant information their website will not allow me to dispute. I am unable to seek resolution through them. I implore CFPB to contact Equifax.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NY)

XXXX and equifax will not re-investigate incorrect information that is being reported on my credit report. I have been a victim of identity theft for a card that was opened up in my name. ( XXXX ). I have phone experian and equifax to re-dispute this information and was told it was verified as mine and they will not re-dispute information again. This is ridicilious. I have written many letters to XXXX ( with no response ) along with phoning them and getting the run around. I have also called the credit beaurous numerous times to tell them that this fraud is causing a hardship with my credit score. They will not re-dispute. How can they get away with this? I am being penalized for something I DID NOT DO
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

I contacted both the creditor and the credit bureaus about inaccurate information that was on my credit account. I should proof of the matter and they still are saying the accounts was verified. I asked for proof ( all paper work/info ) to be sent to me about how they verified the accounts. They still have not sent me any proof to back up their decision. I contacted them three plus times and still nothing.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MN)

This is the second time I am filing a complaint. I have a XXXX School Loan. All my loans were consolidated into one singular loan. I have an automatic payment system set up that automatically withdraws money from my personnel account & applies funds to the account. All the credit companies ( Equifax, XXXX, and XXXX ) are doing two erroneous actions as follows : 1 ) They have charged me with a late payment that was paid on time in XXXX 2013 2 ) Instead of applying this incorrect late payment charge to XXXX account they have applied it to all the subaccounts that were already consolidated ( they even have the same account number )!!!! 
I am being prevented from getting any reasonable loans due to their disparaging reporting. At this point, especially as I have previously complained about their reporting methods in regards to this loan, I would state that these organizations are intentionally taking part in fraudulent & defaming actions, that are causing me great stress and anxiety. 
I would like all of these negative reports expunged from my records & I would like proof that they have taken action to have my XXXX XXXX XXXX XXXX XXXX that has been legally consolidated into XXXX single loan years ago, listed as XXXX loan.
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (VA)

I am victim of Mortgage Fraud perpetrated in XXXX. 
I was approached in XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the XXXX. XXXX XXXX in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

Reporting information on which I have Never requested,,,, in which impact my Credit and Score. I have sent letter on this issue to be eliminated asap from report and they ignored. 
The company are : XXXX XXXX XX/XX/2014XXXX XXXX XXXX XXXX XXXX XX/XX/2014I have not given authorization none of this Company.
Consumer complaint received 2016-07-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (FL)

I took out a loan with Big Picture loans for a total amount of {$600.00}. I received the funds on time with no problems. Then when it came time for me to have the funds taken out for payment for some reason on THEIR end they suddenly do n't have the correct bank account information??? And now I am being charged extra fees on top of the original agreement with no communication or knowledge of why I have the extra charges. So essentially I am being penalized for THEIR mistake!!! I have asked for a letter in writing describing the reasoning for the charges. So I do n't know if they will respond? Please help!!
Consumer complaint received 2016-04-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

Incorrectly derogatory credit reporting. We have had to work through several issues with Seterus and the XXXX County Tax Assessor which took several months but is now completed. During that time Seterus marked our account at delinquent which it was not. In the final settlement I paid the account in full on XXXX XXXX, XXXX and was told at that time but the person in the customer service payment department that out account was current for XX/XX/XXXX. 

On XXXX XXXX, XXXX I spoke with XXXX XXXX in Seterus Consumer and Government Affairs Department, she agreed to correct the final issues with our account, refund the overpayment of escrow and suppress the derogatory credit for XXXX XXXX and XXXX XXXX. At that time she re-iterated that our XXXX XXXX payment was current and XXXX XXXX would be reported as on time. 

Forward to today Seterus has reported our account as 30 days delinquent for XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX left a voice message and have had no response from her. 

I also called Seterus Customer Service on XXXX/XXXX/XXXX and they verified that our account was paid on time for XXXX XXXX. Yet they still reported our account as 30 days delinquent. 

We want to have the credit reporting for XXXX XXXX corrected immediately and the derogatory credit for XXXX XXXX to be properly reported as on time/current or for it to be suppressed. 

We would like this to be addressed immediately as it is affecting both our credit ratings. 

XXXX XXXX XXXX XXXX Loan # XXXX
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (TX)

For over three months I have been getting collection calls from a company called Focus Receivables Management. According to the internet, their address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX The collection calls are in the form of robocalls, and all of them say exactly the same thing, in effect, it is a debt collection call from Focus Receivables Management, and a number to call back. No mention is made of what the debt is ( I do not have any debt whatsoever and owe nothing to anybody ). I typically get two or three such robocalls per week. I have recorded typical robocalls which are attached as a file. I have decided that I will not respond to those calls as I have no debts, as a response would make things worse and give Focus additional information. At no time has Focus Receivables Management provided anything to me in writing. I suspect that somehow Focus has my telephone number in error but it is more than possible that it is some scam.
Consumer complaint received 2015-11-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (UT)

After our bankruptcy was discharged money that was in a suspense account through US Bank was applied directly to principal instead of being applied to principal and interest. This has caused me to be 3 months behind on my mortgage per there accounting. We have contacted them on several occasions to no avail. We are receiving threatening collection calls and we can not seem to get a supervisor or manager on the phone. We have spent more than XXXX hours in a Branch Managers office with him recognizing there is an error and trying to assist us via phone to again no avail. They say they will look into it but no one seems to know what is going on and we continue to receive collection calls. We make a payment early on the XXXX of the month before it is due and XXXX on the due date. US Bank is now telling us that our loan is not a mortgage loan but a simple interest loan and they are incurring additional interest on the loan. The loan document say it is a mortgage loan and no one with US Bank can instruct us where in our loan documents that they can change it from a mortgage loan to a simple interest loan.
Consumer complaint received 2023-02-04
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. (FL)

In accordance with the FairCredit Reporting act XXXX  XXXX Account # XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This personal information is incorrect.I have contacted the credit bureaus to update my information. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX.
Consumer complaint received 2015-07-08
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (AZ)

My brother purchased a {$100.00} gift card for my XXXX yo mother and mailed it to me in XXXX. On the XXXX of XXXX 2015 we tried to use the card but it had not been properly activated at the point of sale so I contacted the card issuer ( US Bank, mygiftcardsite.com, XXXX ) website and and told them the problem and they said they would activate the card after I sent them a copy of the front and back of the card along with my contact info. XXXX days later I called the toll free number and used the IVR to see if my card was activated. I discovered that the card was active and had a {$78.00} charge ( at XXXX ) put on it in XXXX California on XXXX XXXX 2015. I live in XXXX and I have the card which I received in a sealed package from my brother. I told them that I did not make the charge and they said the card had been compromised and they said they would disable the card. I asked to be transferred to a supervisor and my call was dropped. I called a XXXX time and to verify that in fact the card had been disabled and again asked to talk to a Supervisor. I was connected to someone who was garbled. I hung up. This all took at least an hour. 
A week later I received an affidavit to sign to dispute the {$78.00} charge. Today ( XXXX XXXX 2015 ) I called to get status. After waiting XXXX minutes in queue, I was told that the card had a XXXX balance. I asked how that could happen because the card was supposedly disabled on XXXX XXXX. The CSR stated that there were XXXX additional charges in California, on XXXX XXXX 2015 at XXXX {$8.00}, on XXXX XXXX at XXXX {$11.00} and XXXX XXXX at XXXX XXXX {$.00}. These charges came after the card was supposedly disabled and I verified that with XXXX different CSR 's on XXXX XXXX. So I had to amend the affidavit and re-fax it to the disputed center which I did today. 
I feel that this company or some of their employees are commiting fraud. I do n't know how anyone in California could have gotten the card info unless someone at the card company gave it to them. The CSR that at the dispute center ( a third party ) stated that this company ( US Bank ) has the most disputes of any of the companies that they service. Her name is XXXX and she can be reached at XXXX. I recommend you call early otherwise you will be on hold for a very long time. 

P.S. the toll free number on the gift card to call for customer service is incorrect. If you go to their website ( XXXX ) it now shows in big red letters the correct number. 

This is the worst company I have ever dealt with. I recommend that people send cash or a check, forget the gift card. At this point my time is wasted on this is worth much more than the {$100.00} gift to my mom. 

Thanks.
Consumer complaint received 2015-06-24
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (CA)

Issue with Card Numbers : XXXXI purchased a US Bank Visa Variable Gift cards for {$500.00} at XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX , CA ) on XXXX/XXXX/2015 and XXXX/XXXX/2015. 

The {$500.00} gift card I purchased on XXXX/XXXX/2015 which was fraudulently used for {$490.00} at a XXXX XXXX in XXXX XXXX on XXXX/XXXX/2015. My funds are held for over XXXX months now. 

I tried to use the one I purchased on XXXX/XXXX/2015 on same day due to my previous card being drained by fraudsters before I used it, but it was declined saying that it was not activated. I faxed in required information for activating it. Later, when I tried to use the gift card at a XXXX in XXXX XXXX, CA on XXXX/XXXX/2015, the purchase was declined. When I checked online I found that it was fraudulently used for a purchase of {$490.00} at XXXX in XXXX, CA on XXXX/XXXX/2015 while I still have the possession of my gift card. I did not even know it was activated and the funds were drained. 

I faxed all the necessary documents to US Bank. It seems like something is really wrong with these prepaid gift cards that makes it so easy for fraudulent transaction while we still have possession of the card. I would suggest everyone not to buy these US Bank Gift cards to avoid this hassle and being out of your funds for several months.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP (CA)

everything I bought was credited to the account I also made a payment they charge me {$4.00} interests on the purchase that was returned {$27.00} late fee when I made my payment the phone Automative geve me the balance as {$46.00} us bank trying to make extra money by charging this fees I called on Monday XX/XX/2017 at XXXX the represenatinve was very rude and XXXX and when I told her I will file a complaint with CFPB she said go right head
Consumer complaint received 2023-08-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (TX)

I disputed via XXXX, only to get a response that the information had been updated. I don't know how it can be updated when nothing changed. It should be removed especially when ALL my student loan debts were paid off due to my total XXXX. 
I tried to explain that the things they have listed are about loans that state they are paid off under the " Department of XXXX. '' are the same amounts, dates, etc, just a different account number and listed under " Fed Loan Servicing ''. I also tried to reach out to Fed Loan Servicing via the phone number ( XXXX ) they have listed not only on my credit reports but on the responses received about the disputes. The number is DISCONNECTED AND NO LONGER IN SERVICE. Seriously!?! This is absolutely insane.
Consumer complaint received 2015-04-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MT)

I fell on hard times about a year ago and landed back on my feet and I was able to make my monthly payments on my mortgage with US bank up until XXXX of 2014. I ended up having to apply for financial assistance. My mortgage supervisor lead me to believe I was doing the right thing and at that time I had the money to pay the backwards amount but she instated on going a different route so I decided to fill out all the paper work and submit it a few months later I had heard nothing back form them so I decided to email my supervisor and ask her if I can make payments so I do n't fall so far behind she told me no that the process is in under writing right now and there would be no reason to make a payment due to being accepted for financial help so two more months go by and I get a letter stating I was not accepted for help and I have fourteen days to appeal so the next XXXX days I called my supervisor XXXX a day and left voicemails tell her voice mail box was full I never heard back from her for a full month and in the mean time getting another month behind on my payments. when I asked her about all this she denied it but I have it all in writing through emails so she has yet to contact me back on my options then another month and payment behind goes by and I get a letter in the mail stating I am due for foreclosure which I was doing everything in my power to stay out of that is was my supervisor who was not contacting me not keeping me informed and not doing her job yes I fell behind and that 's my fault but now I am nine months behind due to her not helping me and leading me in the wrong direction I had the money to pay what I was behind at month XXXX and not being nine months behind and no help my home will be foreclosed on unless they take back fees due to her emails and telling me not to make a payment. if you feel I have a case please call me and I will forward the emails to you of her stating not to make a payment.. I will forward emails so you can read every one of them they sent me
Consumer complaint received 2015-08-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: U.S. BANCORP (CA)

In XXXX 2015, I entered a debt relief program with XXXX XXXX XXXX. A POA signed by me was sent by XXXX to Umpqua Bank, one of my credit card creditors. Contact address and telephone number for XXXX was given to Umpqua. During XX/XX/XXXX, I was contacted at least XXXX times by ELAN, a company that represents Umpqua, and informed them that XXXX was handling the matter. In one call, the ELAN employee even gave the XXXX phone number to me, evidencing the fact that Umpqua had so informed them. After threatening a complaint to the FTC and AG, on XXXX XXXX, I received a call from XXXX XXXX, a supervisor at ELAN who promised I would receive no further calls. Despite that promise, and after giving him XXXX 's address and phone number, I received another call from ELAN on XXXX XXXX, and again today, XXXX XXXX, from an employee named XXXX. XXXX claimed they never got a POA from XXXX, although Umpqua, its principal certainly did. XXXX 's number at ELAN is ( XXXX ) XXXX, and address is Cardmember Services, Att'n : Support, XXXX XXXX XXXX, XXXX XXXX , MO XXXX. After speaking to XXXX, I called XXXX XXXX XXXX XXXX XXXX, and was told that ELAN did have their address and telephone number and had been contacted by XXXX and told they represented me. 

ELAN 's repeated calls to me are a clear violation of the Fair Debt Collection Practices Act. I am enrolled with XXXX because they have determined that I am eligible for the debt relief program in light of the hardship created in the last few years by the expenses for XXXX, XXXX XXXX, XXXX XXXX, my substantial drop off in income over the last XXXX years due to the economy. Yet ELAN apparently thinks it can harass me despite this program and the law. 

ELAN/Umpqua should be dealing with XXXX and they know it. I can only guess that they hope to harass me into dropping out of this compassionate program. Please investigate, and if you determine I am correct, fine or otherwise penalize them so that they will no longer do this to me or any other consumer.