davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (NY)

I have a monitoring service and ca n't access my credit file. I was asked several times to send in documents verying my identity and I have done so several times. I have spoken to several depts at least 3-4 times a week for the last 3 1/2 weeks about my file and all I get is the run around. I asked to be credited for the product I am paying for and they wont grant the credit. I am frustrated by Equifax 's bad customer service and poor practices along with refusing to remove incorrect and erroneous information on my file which can has been verified in the form of an investigation demanded by me from the original creditors. If these matters are not remedied within the next 5 days I will preparing to take legal action against Equifax and the original creditors.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

A credit report prepared for me by a bank lists the following factors that adversely affected my credit score with Equifax : PROPORTION OF BALANCES TO CREDIT LIMITS TOO HIGH ON REVOLVING ACCOUNTSTHE NUMBER OF INQUIRIES HAS ADVERSELY AFFECTED THE CREDIT SCORE '' Proportion of balances to credit limits too high on revolving accounts '' is a problem because I believe " revolving accounts '' means " credit cards '' of which I have XXXX. I have no credit cards whatsoever and have never had a credit card at the time of this complaint ( XXXX/XXXX/2015 ) '' Number of inquiries has adversely affected the credit score '' is extremely frustrating, because I 've had perhaps a total of XXXX inquiries in the last year. XXXX for mortgage pre-approval letters from XXXX ( the XXXX expired before we found a house we wanted ), another for another lender when we were checking our options for mortgages, and finally I checked mine for the first time ever today with nationalcreditreport.com, which was only able to retrieve information from XXXX. Equifax and XXXX did n't report. 


My social security number is very similar to my younger brother 's, and as far as I can tell his information is showing up on my report. I have similar problems with XXXX but was able to file a dispute with them. I attempted to file a dispute with Equifax but it asks me XXXX questions about my credit report, I click " none of the above '' because I do n't have credit cards or home loans ( which the questions are about ) and then it tells me it wo n't continue because my answers do n't match the ones it expected from me.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

On XXXX/XXXX/2015. I opened a dispute with Equifax due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the Creditor. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Equifax is legally required to conduct a " reasonable investigation '' of this matter. 5 days later on XXXX/XXXX/2015 Equifax " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Equifax did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Equifax to conduct a reasonable investigation, I demand that the report be removed from my account immediately.
Consumer complaint received 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: HANCOCK WHITNEY BANK (OH)

Between XXXX and XXXX this morning ( XXXX XXXX, 2017 ), this collector called me 15 times in a row. Many times, calls were overlapping other calls, filling up all of my auxiliary lines.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Equifax is violating laws, I have submitted several complaints and disputes and I dont believe that theres been actual investigations on these accounts as they still reporting inaccurate and Equifax has failed to furnish any documentation that prove they are reported correctly. I have submitted factual data disputes with inaccurate balances, date last active, high credit, and etc. On XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I was given results from Equifax stating the accounts in question are 100 % accurate which is false, as I have submitted my credit reports with the highlighted inaccurate and inconsistent information and they are still not removed. 

These inaccurate accounts are causing mental stress to my life, because Equifax keeps telling me that Im wrong when Im sending the bureau info taken directly from my credit report! This is what Equifax is reporting and Im pointing out the errors and inconsistencies, so how am I wrong when its what you are showing to me. These errors on are making it hard for me to obtain new credit and Equifax is reporting inaccurate accounts and keeping them on my account is violating the FCRA and FTC laws. I have attached my credit report with the highlighted inaccurate accounts with errors on my credit report. I demand these inaccurate accounts be Deleted Immediately
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (WI)

Equifax apparently removed XXXX incorrect addresses off of my credit report. However, they have refused to correct the current address on file without my faxing or mailing them personally identifiable information. I am reluctant to fax or mail the documentation requested. because I am concerned my documents could be intercepted in the mail, or made available to an untrusted source if the documents remain unattended on a fax machine. I requested the option of emailing the documents, and Equifax refused. They also would not guarantee the safety of my documents. Equifax also refused to provide me with the source of the incorrect information, so I was unable to coordinate address corrections with that so-called reporting source. It is unfair that our official records and credit score is based on credit reporting agencies that are not under the scrutiny of a federal agency, and consumers are forced to go through hoops and jeopardize our personally identifiable information to correct errors of the credit reporting agency.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX hosted a XXXX time home buyers seminar that was mandatory to attend to qualify for an XXXX county first time home buyers grant. While attending this meeting the Host of XXXX XXXX XXXX stated we could get a free copy of our credit report from them and it would not count against us as it would be a soft inquiry. XXXX XXXX Mortgage handed out an application to get our free credit report right after that and we thought that is what we had to fill out to get the soft pull. 3 days later a hard inquiry is showing up from XXXX XXXX Mortgage. After speaking with XXXX XXXX Mortgage and XXXX XXXX XXXX, XXXX wrote a letter the other an email to help me get this removed from my report. I sent these letters as well as an explanation to the credit bureau 's. Their response was I could not request for an inquiry to be removed only the company that pulled the credit could call the business department to have it removed. I forwarded this information on to XXXX XXXX Mortgage and was told it would have to be reviewed by there back office to see what could be done. I never recieved correspondence for 2 weeks. I call back and was told that they were unwilling to do anything at this time. 
I would like this hard inquiry to be removed from my wife and I 's credit as it was in error pulled by the wrong company.
Consumer complaint received 2017-05-01
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. (NY)

In or around  XXXX   XXXX , I purchased a vehicle and informed Equifax,   XXXX   and   XXXX    that they are incorrectly reporting a judgment on my report.   XXXX   and  XXXX  have since removed it. I purchased another vehicle  (   XXXX / XXXX / XXXX   ), and was shocked that Equifax did not remove this derogatory remark which increased my monthly paym ent due to the interest rate. I gave proof to Equifax in  XXXX  that there was not a judgment entered in favor of a prior Landlord in  XXXX  against me. In  XXXX  I called the clerk 's office of the jurisdiction of whom recorded it. They advised that they do not report, emailed the pla intiff 's attorney he advised that they do not report, or the creditor ( in this matter being the " Landlord ''.  I settled this matter before it even went to litigation, because I did not want my credit reflecting a judgment, and have been penalized for the last 6 years. I emailed the attorney again on  XXXX / XXXX / XXXX  and he advised that I need to co ntact the CBR agency b ecause he nor his clients can do anything about it.     Judgment recorded  XXXX  for {$4200.00} against another party
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX has furnished Experian, XXXX, and XXXX, with inaccurate information to be reported on my credit file. I was never notified of such accused debt and only came to realize this information was on my file through my own investigation. This debt is unsubstantiated, and could not be validated by the alleged 'original creditor ', who stated that it could n't provide copies of original signed contract, and was unable to review original account level documents. 
Upon these finding I contacted XXXX XXXX in a certified letter via United States Postal Service. Under Massachusetts General Laws M.G.L. c. 93, s. 58 the reporting agency ( XXXX XXXX XXXX ) had 30 days to respond in writing to my inquiry and dispute. They have been negligent in regards to responding. It seems they have no intention of proving the debt when in fact they have the burden to prove the debt is in fact owed and accurate. To date, XXXX has a poor track record in regards to it collections and business practices, which had resulted in numerous fines from the U.S. Government and individual states as well, including Massachusetts. The illegal actions of XXXX XXXX XXXX have cause XXXX consumer 's credit files to be tainted with negative information, including myself.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

This is not a dispute of fraud, please DO not classify it as such. 

Experian is making changes to my record, with no substantiation for these changes. 

For this complaint, I assert that Experian is adding a " personal statement '' on my behalf, and without merit, and as a Fraud Statement. 

1. Experian - please provide your rational for adding the following statement to my report, because adding it without reasoning/documentation and on my behalf, is wholly inaccurate. 

2. After you have provided the reasoning for adding this details, delete this unsupported text. 

3. A screen shot of such verbiage, and from Experian 's website is attached.
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complaint Department Experian.com XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the following information that your company provided to Experian.com my Report number is XXXX on XX/XX/XXXX I have circled the items I dispute on the attached copy of the credit report I received. 
This item XXXX Credit Account Number : XXXX .... 
Date Opened : XX/XX/XXXX Status : Transferred, closed. Account XXXX : XXXX ... Date Opened : XX/XX/XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XX/XX/XXXX Status : Transferred, closed. 
These above accounts are been rehabilitated according to the department of education Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open/Never late Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XX/XX/XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the department of education. U.S department of education National payment center XXXX XXXX XXXX GA XXXX ( phoneXXXX XXXX ) my account is XXXX. 
According to the department of education the above duplicate accounts listed ( XXXX ) should be removed. The department of education further reports that credit bureaus should contact the department of education while these items was disputed. While the credit bureaus never contacted the department of education, provided me the letter as evidence mail to Experian.com. according to the department of education these items should be removed. 
Furthermore Account Number : XXXX .... Date Opened : XX/XX/XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. 
I am requesting that Experian.com have the item ( s ) removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my U.S passport and driving lic, as evidence that I have one single name. supporting my position. Please reinvestigate this [ these ] matter [ s ] and contact the national credit reporting companies to which you provided this information to have them deleted the disputed item [ s ] as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
University of Pennsylvania
Consumer complaint received 2016-04-15
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Dyck-O'Neal, Inc. (CO)

I had a loan with Dyck O'neal Inc. that was created as part of a settlement after a short sale of my home in XXXX. I had this loan from XXXX until the autumn XXXX when I paid the loan off and closed the account. I was offered twice a year by Dyck O'neal a 15 to 20 % discount on the principal of the loan if I paid it off all at once instead of the installments. This past fall I had the money to pay off the remaining balance of about {$5000.00}. I took the offer of a 20 % discount and paid the loan off and closed the account. I learned today as I was checking my credit score in preparation for a new mortgage application that I was reported by Dyck O'neal to the credit agencies as having paid my loan off for less than the agreed upon amount. This is a negative report that has resulted in dropping my credit score over XXXX points from XXXX to XXXX. My XXXX score is XXXX, my XXXX score is XXXX and XXXX is XXXX. Dyck Oneal apparently does not report to XXXX. I called Dyck O'neal and they said they have no control over how they report to the credit agencies which I think is a lie. They also never once explained in any of the twice yearly teaser coupons offering a 15-20 % discount that it will be considered a negative on your credit. They never told me this in any conversation I had with them when I called to pay off the loan. They were all too happy to take my money. How can they say I paid the loan off for less than the agreed upon amount if they agreed to offer me a discount so I would pay it off sooner. I ca n't have paid a loan off without them agreeing to it correct? I feel this is extremely deceptive and also harmful to my financial condition because I will now have to pay a much higher interest rate on a loan.
Consumer complaint received 2017-02-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

For about the past two years, Navient ( XXXX ) has been " accidentally '' applying my payment to the wrong loan. Monthly, I pay one of my private loans that my uncle has co-signed so I do not default on the loan and mess up his credit. Navient states that if you pay on time on a loan consecutively for a year, you can possibly remove a co-signer from the loan. I want to remove my uncle as a co-signer, so I tried to pay the monthly fee on that loan on time for two years. Whenever my last month of paying on time comes, I call Navient and pay over the phone, thinking I am paying on the co-signed loan. A few days later, I get a call saying that the payment is past due. I call Navient stating that I already paid on the loan, but they tell me that my payment was " accidentally '' applied to another loan. They tell me that they can not reapply the payment to the correct loan and that I have to pay again. I ask them if I would still be eligible to release my uncle as a co-signer from the loan because I would have paid consecutively on the loan if it was not for their fault. They tell me that I have to start the whole process again. I tried to pay consecutively on the loan for two years, and each year the same incident happened. It is not fair and unjust.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NC)

I was trying to get a credit report through XXXX and it seems that my social security number is not matching with my name or anything of my identity. I do n't know what the problem is but I want to improve my credit and pay on my credits but I can not if I cant get down to the bottom of things if I have been identity theft or not. Please respond as soon as possible. Thank you.
Consumer complaint received 2016-10-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MN)

I went to the free credit report website to request my free annual reports. I was able to get reports from XXXX and XXXX without a problem. However, when I requested my report from Experian, it said that " a condition exists '' that prevented me from receiving my report, and directed me to mail my request. No other explanation was provided. This seems like a very intentional barrier created by the company to reduce the number of requests they receive. By making it more difficult to get a report, they likely stop many people from requesting them, and thus avoid having to provide them and address challenges to the contents.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (VA)

XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} XXXX. 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. XXXX has removed the XXXX XXXX XXXX XXXX but Experian refuses to do so.
Consumer complaint received 2015-08-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

XXXX refuses to re-invistigate legitimate disputes. I keep getting generic responses stating that they have already investigated, but do not provide proof as to what they used to verify the accuracy. I know the disputes I am making are legitimate and not my accounts. They have also refused to re-investigate inquiries that I know are not ones I have made and are hurting my credit score.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft. I have numerous unauthorized and fraudulent accounts listed on my Experian credit report. I have sent XXXX police reports in regards to the unauthorized accounts, but the accounts is listed on my credit report. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, U.S. Dept of Education/XXXX, U.S. Dept of Education/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AR)

I have had numerous issues with unauthorized inquiries on my account as well as previously deleted information that was reinserted. Well with Experian I have XXXX unauthorized inquiries on my account that were not authorized my me. I have disputed with the credit reporting company to no avail. I have tried contacting the company who placed the inquiries and they do not exist anymore, their phone does n't work and I can not find a partner company or anyone to get in touch with. These are inquiries from the beginning of the year and I am not aware of them. XXXX of them are on XX/XX/2016 and another is on XX/XX/2016 ( see attachment with phone numbers and addresses of non-existent business. I started monitoring my credit around XX/XX/XXXX and I ca n't seem to get any help from Experian other than filing fraud but they will not promise an investigation or removal. i am out of options other than a lawyer so I am asking that this is investigated and that these are taken off of my report with Experian in a timely manner as it is causing lower scores in my credit, could be the cause of me not getting employment or other opportunities to move forward with becoming self-sufficient.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I recently applied for a mortagage and the company declined my app because of my credit score. The notice from the comapny stated that my score was XXXX but Experians own website stated my score was XXXX which reads as fair on experians scale.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I received credit card information in the mail in XXXX and called XXXX stating that I did not inquire about opening an account. Fraud alert was implemented on my name/SSN. The day that the alert expired, a new account was opened in my name and {$4300.00} was charged to new account. I find it suspicious that it was opened on that date and I was not notified. I found out that my identity was stolen because I received a credit card in the mail ( again ) and checked my score. After obtaining a free credit report, I checked the accounts and saw the fraudulent account. I have closed the account and have opened another fraud alert on my information with all XXXX credit bureaus. I want this taken care of quickly and smoothly.