davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I filed a dispute with you all back on XXXX/XXXX/2016, stating that the following accounts were not mine and incorrect. At the conclusion of the investigation, you all claimed to have received documented proof that these accounts belonged to me. When I indicated that they were not, you all instructed me to reach out directly to the creditor to get validation of debt and that I would need to provide that to you all to have it delete from my credit report. I spent an entire week contacting all these creditors to get validation of debts and correct information. I provided all this information over to you all as YOU all requested ; however, you all are still refusing to delete this inaccurate information. You all lied about verifying it as the creditor gave me something be documentation supporting the claim that these accounts were not mine, etc. 

You all are in direct violation of my rights under the FCRA, as you all are refusing to delete this negative and damaging information from my credit report. FCRA states that incorrect and inaccurate information can not be furnished on credit reports. You all are creating a lot of undress stress and hardship, with your lack of regards to my rights as a consumer. You have repeatedly denied my request to delete this incorrect information. You have completely disregard the documentation I provided at your request. 

Attached are the following letters that I faxed over to your team and a copy of my credit report. I am provided all the necessary proof that these items do not belong to me Its very interesting that you all are the only credit bureau still reporting this incorrect information, all the other bureaus deleted after the XXXX round as the creditor did not provide proof. The disputes were all opened at the same time. 

Accounts that are inaccurate, incorrect or not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Now XXXX
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

The following inquiries ( # XXXX ) do not belong to me and I have for years tried with no success or response from creditors regarding these unknown inquiries. At the same time I have for many years advised Equifax the same but Equifax refuses to remove. I need help in getting this taken care of immediately. 

1. XXXX dated XXXX. XXXX XXXX dated XXXX. Equifax XXXX dated XXXX ( This is mine, however needs to be deleted )
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

I purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX. Due to their erroneous credit reporting all consumer trade lines had to be hidden/removed from individual reports. All of the consumers trade lines have been added but not consumers who 've had a bankruptcy. My bankruptcy was dismissed because I opted to pay all of the debt and XXXX 's vehicle was never included in the BK. For the last 3 1/2 years I 've made every payment on time however in XX/XX/XXXX XXXX reported me as late so I understand the reasoning behind the judgement. Over all this has been a horrible experience and I will never do business with them again however I would like the benefit of having this line added back on my credit report. I would like to obtain a new car loan with a new lender to have this positively reflected on my report but because the last 3 1/2 years did n't happen I am back to having a negative car loan experience and higher interest rated. Please advise.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OK)

Several days ago, I had purchased a XXXX XXXX Gift Card for the total of XXXX XXXX dollars. Not only am I unable to view my balance online, but my card with plenty of money to cover my purchase is being declined online for anything. Their website has offered no place to file a dispute or issue, so I resorted to the Consumer Financial website after calling their customer service line and not being placed on a line to speak with a representative.
Consumer complaint received 2017-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SC)

I have been having health issues lately and was hospitalized twice with the second hospitalization involving  XXXX . This happened simultaneously. While I was in the hospital my daughter made sure that all of my  XXXX  forms was completed and sent to  XXXX   XXXX  which carries the insurance for Synchrony Bank. Until this point I always made my payments on time.  XXXX   XXXX  never processed my forms even though I sent the forms to them quite a few times ( I have confirmations and emails to prove it. ) Had   XXXX   XXXX   processed my paperwork when it was received instead of waiting a month after I sent it to process it my payment would 've been made on time and I would n't have had no problems with my account. Synchrony Bank has closed all of my accounts which is unfair because I had no choice in deciding to become ill. I am so disappointed because this is making my credit look awful and if they research my history they will see that until I became ill and had to deal with  XXXX   XXXX  there was not an issue with my account. I had submitted my claim several times and was told that they never received them however, I received confirmations that says sent. If Synchrony Bank would look at the number of times I submitted my claims and when  XXXX   XXXX  should have paid them they will see that I did do my due diligence.  XXXX   XXXX  delayed processing my claim and claimed that it was not received. This is complete wrong and unfair. I pay for insurance and it should not be that  XXXX   XXXX  delay making a payment on the account so Synchrony will close the account and that relieve them of liability.
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (NC)

This debt is not valid and I DO NOT OWE this debt. We are still customers with XXXX XXXX XXXX XXXX. We moved from one location to another location and kept the service. If we owe this debt, why didn't they just shut our service off which we have had at the new location for two years.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX and Equifax have failed to remove the negativeinquiry in my credit report. This debt was fully paid and close. Equifax notresponding my mails or allowing me to view my credit report. As perEquifax, I was asked to forward copy of my drivers lic in order for me to filea dispute but never received and response from them.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

The XXXX account still remains on my credit report without being properly verified. This account does not belong to me. I contacted XXXX to validate the account to send me a signed credit application and they could not produce XXXX. Equifax did not verify this information pursuant to the FCRA. If this XXXX account does not get removed asap and continues to appear on my credit report, I shall find it necessary to sue you for defamation damages and declaratory relief. 

Under the FCRA, a creditor has the responsibility to investigate and verify the information reported to the credit bureaus, and consumers have the right to sue if their request for verification is not complied with. 

I look forward to a speedy resolution of this issue. This is my last attempt for I will sue Equifax just like The case, " The Equifax class action lawsuit was originally filed in 2010 by plaintiff XXXX XXXX XXXX ''. XXXX claimed that Equifax violated the FCRA by the company 's allegedly erroneous reporting
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (LA)

I contacted your about Equifa/ removing XXXX points from my credit report also I recently contacted Equifax also and they said that it could have been a number of things which caused the decrease. I today looked at my Equifax report and saw that they have removed all of my credit cards from my Equifax file. My XXXX, XXXX XXXX XXXX credit cards, and my XXXX card is no longer reporting on my Equifax file. I spoke with these creditors and they said they are still reporting and this mistake belongs to Equifax. This is true because my other credit files are reporting these accounts. This is wrong and they should n't be allowed to wrong the consumer at their discretion.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

When I disputed this issue with the credit reporting agency XXXX creditor did the right thing but XXXX creditor continued with their sneaky way of reporting incorrect information. XXXX XXXX XXXX Card continues to report a credit card that was 'charged off ' in XX/XX/XXXX as 'open ' and the balance due as {$430.00} on my credit report. Which looks as if I am using XXXX % of my credit because the high balance that the card held was {$250.00}. I have contacted them and Experian but they investigated and XXXX XXXX corrected the account status at the time and now has since changed it back to an 'open ' status instead of 'charged off/closed '. 
2.They also keep changing the dates of the charge off. XXXX credit report has XX/XX/XXXX and the most recent says XX/XX/XXXX. 
3.They have also changed my last payment date to XX/XX/XXXX when it was really XX/XX/XXXX. ( this is XXXX way to verify the unfair information being reported. Request a copy of my 'so called ' last payment that they are reporting I made in XX/XX/XXXX ) 4.Finally. they have changed the account number in order to keep it on the report undetected as an old account past it 's seven year period of reporting. 
The credit reporting agencies disputes are not getting the job done. They just take the companies ' word and they do not request documents to verify what they are reporting. 
*I do not mind at all paying the bills that I owe however, according to the Fair Reporting Act, this company is not playing fair at all. Their tactics are sneaky and underhanded, not to mention, breaking the law. I just want other consumers to be aware of this bank 's unfair practices and for them to be stopped. 

Thanks for your time and consideration in this matter.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX Mortgage refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for XXXX consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. 8 months later we were notified that the original mortgagor XXXX Mortgage filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX Bank. We wanted a 30 day close on the property but because of the mishap with XXXX Mortgage it reflects XXXX Bank. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX Mortgage while they were our Mortgagor.
Consumer complaint received 2018-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Bank has regularly and routinely deducted more than {$8000.00} from XX/XX/2018 honoring unsigned, unauthorized, counterfeit checks sent electronically to be paid to my Aunt 's checking account. My XXXX-year-old Aunt allowed me power of attorney and was recently declared incompetent. After entering her account, I discovered the check fraud, multiple claims were started in late XX/XX/2018, a police report filed, and investigation initiated. Surprisingly, Wells Fargo only returned the last 30 days of fraud that occurred in XX/XX/2018 ( estimated {$2000.00} ) and is attempting to collect the rest from those where they sent the money. A hold was placed on the compromised account permitting her fixed income to continue pooling and a new account established where I could transfer the fixed income to pay caregivers after the hold was temporarily released, then returned in 10 minutes. Some stolen money has been collected but more than {$4000.00} is still uncollected wiping out my Aunt 's account. My Aunt recently died destitute but shockingly, the bank allowed more counterfeit checks to be paid! That money was repaid, never once was I ( or my Aunt ) notified of any suspicious activity. I was IN the bank transferring funds when they allowed the last fraud in that 10 minute window! Another unsigned counterfeit check paid! I am executor for my Aunt and need ALL the money paid out to be returned to pay mounting debt to unpaid faithful caregivers. The bank is unwilling to do this and need your help to force them to pay back what they paid out in a reckless and unauthorized manner. HELP! My Aunt died destitute because of they negligent security.
Consumer complaint received 2017-05-29
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: Navient Solutions, LLC. (CO)

There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  Navient  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I am filling this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 XXXX 5 ) ( A ) of the FCRA - they are required to " ..Promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (CA)

I have a collections on my credit report from a medical bill from a XXXX ( XXXX XXXX XXXX ). 

That is not legal to be posted to my credit report, as it is a medical collections and a federal law was passed that made this illegal to be posted to my credit report.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Consumer complaint received 2017-05-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

First contact was made on XXXX/XXXX/XXXX gentlemen informs me I have an outstanding balance on a loan. I inform the individual that I 'm not aware of a loan and would like to see a promissory note of some sort. The individual became rude, condescending and refused to provide evidence that I was ever responsible for the loan. So I informed the gentleman that I would not make any arrangements until proof could be provided. The gentleman then began making claims that they would proceed with legal action and verifying my employment. I then reinforced that no arrangement would be made and then asked that all communications cease. Since I have received calls on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

I am a victim of identity theft, I have filed the necessary affidavit with all three CRA. The original creditors are disputing this information, the CRA is refusing to remove the items that the thief used. Its impacting my livelihood and ability to obtain credit. I have sent them numerous letters, refiled the affidavit. To no avail.
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.
Consumer complaint received 2015-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MD)

I have disputed my name with Equifax on numerous occasions and most recently in XX/XX/XXXX 2015. Equifax is reporting me as XXXX. which I have never been XXXX. nor have I claimed to be XXXX I put in a report with the Consumer Finance Protection Bureau in XXXX 2015 against Equifax for not correcting my name. Equifax reported back to the CFPB that they were correcting this concern which they did but within a couple of weeks they changed it back XXXX. I am being harassed by Equifax because I have called them out on their illegal and unethical practices. At this point they have left me with no other option but to pursue litigation against them.
Consumer complaint received 2023-01-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Navient class action lawsuit XXXX v Navient Corp., my loans are eligible and were delinquent for consecutive months due to high risk/complications of a XXXX XXXX. The loans in question originally date back from XXXX. Navient never offered me income repayment plan ; I was offered forbearance. I learned of this later from the ombudsman office this consolidation option. The delinquency has been damaging to my credit for years. I have emailed the CEO for relief ; even worked with XXXX XXXX XXXX for a resolve. No assistance as of yet from this establishment. My next step is Attorney General and FCRA.My loans are not with this establishment any more. At the time XXXX XXXX was my lender and they used unfair tactics to get young borrowers such as myself at the time to get these loans for XXXX. These late payments on my credit score are high jacking my credit.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (MD)

Dear CFPB.   on Saturday    XXXX   XXXX   2017 I  did purchase from macy 's with my macy 's  American express  credit card the cashier told me that I will receive another 20 % with this form which let me sign it and she put the purchase on the new card not on the macy 's card which I swipe it in front of her, when returned home I was checking it I found that she let me sign for opening another macy 's credit card then I called macy 's credit card number they told me to call Monday, when I called today Monda y  X/XX/2017  the cu stomer service told me that she will cancel the new credit card and send me statement of the purchase on the cancel card and she told me I will send you email with this which is as below ; My Question is closing the new macy 's credit card which is open without my permission will affect on m y Credit Score.?    Thank you Sincerely,  XXXX   XXXX  " Dear  XXXX    XXXX    XXXX , Thank you for your recent inquiry regarding your account.   It 's been a pleasure to have you as a customer. As you requested, we closed your account and will report it as closed at your request to the consumer reporting agencies.   Please allow at least 30 days for the consumer reporting agencies to update their files.   Sincerely,  Macy 's Credit C ustomer  Service Card  Member :  XXXX   XXXX   XXXX   XXXX   XXXX  Account ending in :  XXXX  Member since :    2017  The purpose of this Security Zone is to help you verify that the e-mail was indeed sent by  Department Stores National Bank. I f you have questions, please call  XXXX  or the customer service number on the back of your card.   Macy 's Credit Card  XXXX .  XXXX   XXXX   XXXX , OH  XXXX    X/XX/2017 /ACCOUNT_CLOSURE_BALANCE_PL "