davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

I WAS A VICTIM OF IDENTITY THEFT OVER A YEAR AGO. ALL CREDIT BUREAUS ADDED A FRAUD ALERT TO MY ACCOUNT. I DID NOT ASK THE CREDIT BUREAUS XXXX, XXXX OR EQUIFAX TO ADD A FRAUD ALERT BUT BECAUSE OF THIS COMPALINT IN REF TO XXXX IT WAS ADDED. PLEASE CONTACT ALL CREDIT BUREUS AND REQUEST THAT THIS ERONEOUS ALERT BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2015-12-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CO)

I recently consolidated my student loans with another bank/loan servicer. The loans after a lot of time in between were finially listed as paid in full. However there is a credit attached to my previous account. That credit has been on my account for well over 30 days and I believe American Education Services is purposely holding onto my credit as a way of punishment for leaving their company and add extra unnecessary interest charges to my new loan. I believe their response time to refunding this credit to me or my new lender is completely unethical and want this credited to me or my new loan ASAP
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: STERLING JEWELERS, INC. (MA)

On XXXX/XXXX/2015 a credit card application for Kay jewelers was falsely submitted in my name XXXX XXXX. I found out about this from XXXX which is a Identity theft protection service on XXXX/XXXX/2015. I did not submit any application to Kay jewelers for a credit card but yet it was done by them. I spoke to a manager in the credit card issuing department and I was told that there was no recent applications on me to apply for a credit card. I then called XXXX and was told by them their was definitely a hard inquiry of my credit from sterling/ kay jewelers on XXXX/XXXX/2015. I would like someone to see why this happened and resolve this problem as well as having them take this false credit check of my credit report. I spoke with them about removing it as well and they proceeded to tell me they did not do the credit check. I XXXX XXXX give permission to pull my credit report for verification for this complaint, thank you
Consumer complaint received 2016-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC (CA)

I had filed a complaint XXXX : a collection account for XXXX that was being handled by ICS systems and they did remove the dispute from their system and they said they closed the case and that they made the correction to the credit bureaus. So in reviewing my credit it has dropped from XXXX to XXXX and the new credit collection agency called contract callers now is reporting this incorrect information which has Transunion giving me a XXXX FICO. Well I called and they put me on the line with the person but she was extremely rude and kept calling me sir sir after I told her this is not a sir. She just kept telling me sir so I asked to speak with a supervisor and he got on the line and began to call me sir and then hung up. I do not owe XXXX to XXXX for a address XXXX. XXXX, CA. XXXX. This problem had been resolved with PGE and I stand a 100 % correct because the owner of the property was illegally billing my account. I have never missed a payment for 8 years and I have established a great trust with these XXXX. and I wish to maintain that. 
there number is XXXX and it is for {$210.00} for XXXX
Consumer complaint received 2016-11-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STERLING JEWELERS, INC. (TX)

I have a past due debt with jared 's. I became ill 12 months ago and have had difficulty with their insurance protection company not accepting my paperwork and refusing to open a claim. In the process I have made all attempts to make minimal payments, but unable to do so any longer. Jared 's has called 20 times per day, and now they are contacting my family members and disclosing information about our debt. They have called my spouses employer in an attempt to contact me. They are also calling under false pretenses. Pretending to be a tire service and other insurance companies as XXXX and banks, XXXX XXXX. They are also calling and not identifying themselves on caller ID.
Consumer complaint received 2017-02-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (MN)

I tried to deposit {$840.00} into an ATM machine near my school, however, ir sucked my money in. Then, instead of counting it, the machine ate my money and read error. I reported to the problem to the USBank, and they put {$840.00} temporary deposit into my account on XXXX/XXXX/2017. However, they reversed {$480.00} back on XXXX/XXXX/2017 and noticed me that they decided I only deposited {$360.00} into the ATM. 

I absolutely made a {$840.00} deposit into the ATM. I tried call them, and was transfered to over five person, no one actually helped me! The last one told me to go to the bank branch. When I went to the branch, the clerk and manager tried to transfer me to somewhere else by asking me to call the customer service. At last one manager assisted me to file another claim, and told me to expect the answer in 10 business days. However, three weeks passed and not a single notice has been given. 

With about five years use of USBank checking and saving account, I have never owed the bank for a single XXXX, but they tried to " steal '' {$480.00} from a student and leave me no reasonable explanation.
Consumer complaint received 2016-06-04
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I am being contacted by letter from XXXX XXXX Tx XXXX XXXX for a loan from Ace that I never applied for. The amount is from what this XXXX guy said was for {$500.00} and something dollars back in XXXX. Stating an address that I have never borrowed money from them living at that address. The accrued Balance is now {$2000.00} with an settlement offer of {$680.00}. The only time I have ever borrowed money from Ace was when I lived in XXXX back in XXXX. I had paid that loan down to {$200.00} and ended up in the hospital with XXXX the day before it was due. I called them from my hospital bed to inform them of my situation. They would not let anyone go down and pay it for me. The day I got out of the hospital I went to go pay it however they would not take my money because it was late by a day or two. I was contacted by Ace with them wanting me to pay an outrageous amount on the loan which I could not afford. That loan was discharged on my credit back in XXXX or XXXX. In XXXX I was contacted by phone by someone who was threatening me with a law suit and I was trying to work out an arrangement with them on the amount of {$200.00}. I paid them {$50.00} over the phone. I then started getting daily calls stating that they needed more money. I told them I did n't have anymore right now to give. I then started getting phone calls telling me that I was going to get a warrant out for my arrest. I knew then it was a scam. Now after 4 years I am being contacted by letter for a loan I never took out. they have all my info. Friends and family info and I have not dealt with Ace since that time in XXXX. With the threat of a law suit. I told them to take me court because I do n't owe them this {$500.00} something loan they say i owe. I do n't need the stress. They said this loan was discharged back in XXXX. I do n't have anything on my credit about that. They ( Ace ) just keeps these loans alive. Upon speaking with this XXXX guy he did n't even try to really get me to pay any of the amount because I mentioned that I have been contacted by scammers before and this was a scam. However he did get me to confirm some information such as people I know. Could have kicked myself for saying yes I know those people.Also looked up the Company name and no address with this company is in XXXX. Address does n't reflect it either. I picked received a loan I did n't apply for because that was the closest thing to fitting my situation.
Consumer complaint received 2015-06-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I have never personally applied for a payday loan. A XXXX years back I was living with my ex boyfriend and was immediately made aware that he was making fraudelent purchases without my consent and got all of the purchases credited back to my bank account. I do n't know if he applied for a payday loan at that time because this is my XXXX time hearing about it and I currently have no way to contact him but I do know I 've never personally applied for XXXX. The reason I 'm filing this complaint because I am now being harassed by a collection company on behalf of Ace Cash Express and threatened to be sued for a payday loan I never applied for. Furthermore they are now harassing my father who is ill and worrying him about the matter to the point where he contacted me very upset. When I called the collection agency their primary focus was to intimidate me more into making an agreement and could n't provide me with any information about the loan other than I was going to be sued and served tomorrow if I did n't make a agreement today. The calls to my relatives and the harassment needs to come to an immediate end:
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (TX)

I have a Discover card account, have had it for years, last XX/XX/2016 some fraudulent charges appeared on my account, i called discover told them i hadnt made the charges, they took all charges off, a month later i received mail saying that i was liable for charges that i did not do, i contacted them and they said for me to get a police report I sent them a police report and they still would n't take the charges off, they say a call came from my cell phone to verify charges, i have no such phone call on my phone records, I had XXXX email them a copy of my phone records that do n't show the said call and they still say I 'm liable, this is XXXX dollars they want me to pay them that i did n't do
Consumer complaint received 2016-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (MO)

Rent Recovery Solutions continues to report to all XXXX credit bureaus that I have an outstanding balance of {$1700.00} owed to XXXX XXXX of XXXX. However, I settle this account with XXXX XXXX ' attorney XX/XX/XXXX. I have made repeated requests to XXXX XXXX XXXX to properly update my credit report, but they refuse to do so and continue to ask me to pay them money I no longer owe.
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TX)

Our home mortgage loan is serviced by Seterus , Inc. A few years ago we refinanced with them for a much lower interest rate. We have been paying extra each month to pay down the principal. We pay our property taxes directly to our XXXX Co. tax office and pay our homeowners insurance directly to XXXX XXXX. We had no problems until XXXX XXXX, when Seterus sent a statement notifying us we had a negative Escrow account. It made no sense because we have never had an Escrow account. We called the customer service number and were transferred to various people, told us to call a different number and speak to the tax division. They said we needed to have an escrow analysis. Back and forth, not getting any answers, we were told to send our tax payment history and a letter requesting we not have an Escrow account. We did this. We got no response. Next month we still had a " negative Escrow account '' and our monthly payment was increased several hundred dollars. The customer service person said our request was " under review '' and for now we had to make the higher payment or pay a penalty fee and be turned in to a credit agency. This has been going on since XX/XX/XXXX. We made both installments for our XX/XX/XXXX taxes so we know there are no delinquencies. For 8 months, we have made phone calls, sent them our payments which are now {$1000.00}. above the monthly payment, and have never been able to resolve this. We ca n't afford to pay extra anymore, so we have lost ground on our plan to pay the principal down faster. We applied to refinance through XXXX, and have been approved. Now Seterus is setting our payoff amount {$8000.00} higher to get us to pay the Escrow balance, which would be for XX/XX/XXXX taxes that are not due until XXXX, XXXX. We do n't want to finance money for an escrow account which should not exist. Seterus does not have a person in customer service to talk to other than the representative. They have no complaint department, or superviser. They are strong-arming us and leave us no options. We believe t that since we have a lower interest rate and are paying off larger amounts, Seterus is trying to hold us to Escrow accounts to make money off the interest.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MA)

They can not disclose the results received. Even though these company 's were unable to submit any verifiable proof. No one can show a signature card or any other verifying information on the accounts. Just a generic response. That they Verified. Which is not true. These companies do not have any information.
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I attempted to buy a car from XXXX XXXX in XXXX XXXX and the manager insisted he had to run a credit check which is XXXX hard inquiry. I told him not to run a credit report for a loan on a whole lot of companies because hard inquiries are hard to get rid of when you they are on your credit report. I gave him permission to ask for a loan from XXXX XXXX and XXXX XXXX which are XXXX auto loan companies I am currently using to pay off car loans and are in good standing. Well, needless to say he ran my report XXXX times lowering my score of XXXX to mid XXXX. I would like these hard inquiries removed from my credit report so I can purchase a new car or buy a home. I had a good score now I have a bad one.
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MA)

My Ex-husband has n't filed his taxes since 2010. A tax lien was placed on all of my credit reports. I have been given a document stating that this tax lien is not mine and asked all XXXX credit bureaus to remove it. XXXX + XXXX have changed their report but equifax still has it listed as my lien. I have a tax lien release paper that says I am not responsible. Please have equifax remove this lien that does not belong to me. And a copy sent to me stating it has been removed so my credit score can go back to where it was please? Thank you XXXX XXXX
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MD)

I left the XXXX, XXXX address in XXXX XXXX and sold the XXXXXXXX address in XXXX XXXX when I exited the XXXX. I do not understand why addresses that are over XXXX years old are still on my Equifax credit report and not my most recent addresses? Please correct to reflect my most recent addresses : XXXX Deer XXXX XXXX, XXXX XXXX, XXXX XXXX - OWN/purchased XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX I purchased my second home to escape the noise in apartment living. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX/purchased XXXX I also only own XXXX homes and not the XXXX reported by Equifax. My second mortgage was initiated with XXXX company. XXXX sold my loan to XXXX effective with the XXXX XXXX payment. Please correct the error associated with the number of homes/mortgages that I hold. That error has an impact on my credit standing. Thanks for all that you do. Have a wonderful day.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MS)

I have been disputing public records and tax liens with Equifax for three months and they have little to no reason why the records have n't been removed.. I spoke with XXXX the Supervisor on in XXXX and he guaranteed me that the investigation would be completed in thirty days..I waited the allotted time to get a response from the credit bureaus..I called back in XXXX and I spoke with an agent who said, the company did n't show any record of a dispute.. I was advised that they would have items sent out again asking the creditors to verify items being disputed..I called back on XXXX/XXXX/2016 and no results and I even provided the confirmation number that I was given, not in the system ... I sent over a fax and a certified letter demanding these items be deleted .I called to followup on XXXX/XXXX/16 to see if the documents had been received, XXXX representative told me that the documents were n't legible and I had to resubmit everything..so, he advised me to let him dispute the items again..I did n't agree for him to resubmit an investigation that should have been completed four months ago..
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IN)

I was the defendant in a civil case in which I counter-sued. I won the final case, and was awarded a judgement against the plaintiff. Equifax simply saw a judgement and me as defendant, and reported the judgement as against me. I disputed the error on my report, and even included copies of the final judgement with my dispute. I 've double and triple checked with the clerks office as well, and they assure me that their office is correctly reporting the judgement as in my favor. Still Equifax refuses to look past the initial glance at the judgement, claiming this is indeed a judgement against me. This despite the available public records showing that I 'm the one owed money, and my copies of the court papers that I actually sent them. I 've been told that I can have the judgement marked as in dispute now, but that the error will remain on my report.
Consumer complaint received 2015-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

This credit bureau has reported me from everything as dead to having an incorrect social security number.I have had the same ss # for XXXX years, I assure you I am quite alive. I receive my social security check every month. The other XXXX bureaus no I am alive.I have sent copies of my drivers license, social security card, security officer license and a XXXX from last years income tax report.They responded with an incorrect report with wrong name, wrong credit report and wrong ss # .I hope to reach someone with a brain to straighten this out.My name for XXXX years has been XXXX not XXXX and my ss # has ALWAYS ended in XXXX not XXXX.my email is : XXXXXXXXXXXX
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

I received a letter from XXXX on XX/XX/XXXX letting me know that they had asked the XXXX reporting agencies to " delete the account ( s ) from your credit report. '' Good deal -- that 's what I had requested of XXXX. XXXX and XXXX quickly complied with XXXX 's request. EQUIFAX would n't delete the account even though I disputed it twice in XXXX and XX/XX/XXXX and sent the letter from XXXX to them twice. I need help in getting EQUIFAX to comply with XXXX 's request to delete my account.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (MA)

After getting information today ( XXXX/XXXX/2017 ) that my SSN may have been compromised on XXXX/XXXX/17, I tried to contact the XXXX credit reporting agencies to request an initial fraud alert. I was unable to make a request either online or via the phone number provided for XXXX or XXXX. I went through the process on the Equifax automated phone system and was eventually told that there was already an initial fraud alert for my SSN. I did not request this initial fraud alert and am concerned that someone else has my SSN and has requested the initial fraud alert so that they are contacted with credit requests instead of me. The Equifax automated phone system told me to send additional information to their Office of Fraud Assistance in order to request ( another? ) initial fraud alert. I tried to contact a representative at Equifax to find out when this initial fraud alert was placed ; however, there was no way to speak with a representative or get that information online. I tried to contact the other credit reporting agencies as well but could not speak with a representative. I called the FTC and CFPB for suggestions on what to do next, and the CFPB representative suggested that I file a complaint here. I also have a XXXX account since my information was part of the XXXX breach a few years ago. According to that account, there has not been any activity using my SSN as of XXXX/XXXX/17 ; however, I 'm trying to be proactive in preventing fraud from occurring at all.
Consumer complaint received 2017-04-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (KS)

6 years ago they told me a account was in my name and my info. They said the amount the account had on it was  XXXX . I tried to report it as fraud but they would n't do anything about it. They have a address on file that I would not have used since I had a bank account at that time.