davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

This info is incorrect please remove from my record DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. XXXX. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO ( R ) Credit Score. Your credit report shows recent missed and/or late payments with creditors.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

I just pulled up my Free Annual Credit reports from XXXX and XXXX. No Problem accessing and receiving the reports. When I went to the Equifax site, they refused to process my report on line. They stated that I needed to send them copies of my Social Security Card, Drivers License, etc. They said it 's for my protection. What is their problem. XXXX and XXXX were quite friendly.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (LA)

Below is my email to the Equifax PR Director this morning that was returned as undeliverable : To : XXXX XXXX XXXX I feel Equifax 's online fraud alert system has issues. I generally request a fraud alert by phone by calling XXXX. Yesterday I called and the automated system stated the system for phone request for a fraud alert was not in service. It stated a fraud alert could be place online or by mailing Ecquifax. Later, after placing the fraud alert online ( without receiving immediate confirmation of receipt ) I located a telephone number on your website for phone request for a fraud alert. I called it and it is operational. The XXXX system should have provided that number for a fraud alert. 
I completed the online fraud alert request and on hitting " Submit '' my computer screen went totally white. I went back to the request page and your Terms of Service states " you are willing to receive email notification ... and if not received, provides the Equifax mailing address. There is no indication of how long one must wait to receive that notification. 
Here is the problem : your fraud alert request requires almost all personal information necessary for identity theft - name, SSAN, address, previous address, DOB, etc. Without immediate confirmation of receipt, the person requesting does not know where his or her personal information has been sent, who may have received it, or if hacking is possible. 
I called XXXX this morning and spoke with your representative XXXX. After explaining this she said my request would be " expedited. '' When asked how long " expedited '' might take, she said 8 - 10 business days - another unacceptable delay. 
I was so frustrated yesterday after the online submission that I filed a complaint with the FTC. This morning I 've received an email from the US Gov. agency over credit reporting agencies and unless I get immediate assistance from Ecquifax, will file a complaint as they direct. If for any reason I have no resolution to my problem soon, I will then follow up with the appropriate agency for the State of Georgia and, if also necessary, request assistance from my Congressional Representative who has been helpful with issues in the past. 
Please understand how disconcerting it is for consumers who feel their personal information may be at risk. Your assistance will be much appreciated. 
XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX resolution would be immediate notification of if my online fraud alert was received and by whom.
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MA)

I have contacted Equifax three times now disputing a collection account that was to be deleted by request of the collection agency. The latest dispute results states that it is " verified to be mine '' although I have attached the same letter from the collection agency each time stating it is to be deleted. it has been deleted with both XXXX and XXXX without having to investigate. It is completely disregarded each time and I want this deleted as soon as possible.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WI)

On Thursday, XXXX XXXX, XXXX, I was offered by XXXX XXXX, on behalf of XXXX XXXX XXXX, the ability to pay off the remaining balance of the account with XXXX payments of {$710.00} on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Once it was paid I began to dispute the remaining balance on my credit report, which showed as still owing over {$3000.00}. When I received my Paid in Full, Resolved letter from XXXX XXXX on XXXX XXXX, XXXX, I submitted that to Equifax and XXXX online ( XXXX I am required to mail in the information ). XXXX has changed the balance to {$0.00}, but Equifax refuses to acknowledge that the balance is now {$0.00} as agreed upon with XXXX XXXX XXXX and XXXX XXXX. This continues to negatively affect my credit score and my ability to receive any credit in the future, and it is wrong for them to continually report that I have a balance when, in fact, I do not, and it was paid off six months ago. 

Additionally, they are reporting XXXX credit card balance TWICE on my credit report, and even though I have disputed that as incorrect numerous times, they refuse to modify my credit report to show the remaining balance once.
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AL)

hi my name XXXX XXXX Ive tried countless of times to get this matter taken care of Equifax is reporting my car loan twice on my report and it has had a negative impact on my score I only have XXXX car loan that 's suppose to be reporting also XXXX financial do not report to Equifax so im wondering how do they get the information and still reporting it please investigate asap
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

This is in response to Equifax 's results on my reinvestigation on XXXX XXXX, 2015 regarding my dispute of XXXX XXXX XXXX account number XXXX. 
Equifax has not submitted any reinvestigation results to me or to XXXX XXXX XXXX regarsing this misinformed account. This account is reflecting numerous inaccuracies which I am disputing on my behalf. I am entitled to a legal and informed reinvestigation and but they have failed me and have not verified, proved or corrected anything regarding my initial dispute Please have Equifax formwrd me every signed documentation which was reviewed by XXXX, who informed me over the telephone, that their investigation was complete. 
Upon my phone call tI was refused any and all information that was verified to me and the payments information was held from me. I am disputing its accuracy and completeness and have nothing to go XXXX. XXXX XXXX XXXX has informed me that all information is non-verifiable and in archive and nothing can be verified beyond a name. 
If I have no signature, proof of payment, correct payment history how did Equifax get this verified? 
I believe there is fraud and lies on Equifax 's behalf and this seems like a blatant violation of the law. I will not accept these results and have nothing further to say.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NC)

Attempting to refinance a mortgage. Lender indicated there were some derogatory marks from old credit cards that, based on Equifax retention policies, must remain on file for at least 7 years. Derogatory marks were due to a business partner 's XXXX and medical issues. In the last 5 years, all debts have been paid/resolved and current debt service payments have been paid on time. Credit scoring does not give any weight to financial hardships brought on by involuntary circumstances. This places an undue burden on individuals. Someone in the credit reporting field needs to take a look at this and come up with a scoring model that takes into account these kinds of medical/financial hardships. I believe this is a failure of the credit scoring process that unnecessarily impacts many individuals in this country.
Consumer complaint received 2016-01-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (CT)

Unified Recovery Services for XXXX XXXX on a credit card, stating I owe {$1000.00}. I do not. I was mailed a letter from XXXX Office manged by XXXX XXXX and I responded by USPS mail within 30 days of that letter yesterday on XXXX/XXXX/2016 and also by fax. I told them I disupte this debt and that I am contacting the FTC. I dispute this debt.
Consumer complaint received 2017-02-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (MN)

I submitted a stop payment order to my bank ( US BANK ) on XXXX/XXXX/2017. They charged my account XXXX and the fee was paid. On XXXX/XXXX/2017 the withdrawal was taken from my account in the amount of XXXX -. The bank acknowledged they did receive the stop payment order in time but said the merchant put the withdrawal in by another way they changed their name - XXXX XXXX previous withdrawals and this is the way they put in on XXXX/XXXX/2017 -XXXX. Payment was not reimbursed by bank instead they refunded the stop payment order of XXXX to my account. What can I do? Because of the stop payment order I am unable to pay my rent ... Need help.
Consumer complaint received 2016-03-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MO)

Duplicate payment was made for an auto loan. I contested this duplicate payment at local branch and 2 days later when using my debit card, it was declined twice. I learned from local branch account had been frozen. I did not request the account be frozen and was not informed account would be frozen. This resulted in late fees as well as fees associated with pending eviction due to debits posting during this time period. The branch referred me to a corporate number to request the account be unfrozen. The local branch manager acknowledged fault and agreed to reimburse my losses, however has since decided to not act as agreed and referred me to the fraud unit. There is no fraud. There is only misconduct of US Bank.
Consumer complaint received 2015-03-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (NV)

US Bank branch refused to accept pennies in a jar, about {$10.00} dollars worth. Bank employees said no US Bank in my area accepts large amounts of pennies. I called national customer service who said each branch can have its own policy, but could n't tell me a location that acually would accept pennies. 

Apparently the Federal Reserve does n't have a regulation requiring banks to accept pennies. If that 's the case, what value do pennies have if nobody is willing to accept them? If banks refuse pennies, and the Fed does n't mandate banks to accept them, then obviously neither one of them wants the pennies. This makes pennies worthless, so why would I, or any consumer, want them? What if consumers refused pennies as a form of change from merchants because they have no value? 

Finally, if the policy of banks and the Fed have rendered pennies worthless, why ca n't consumers melt them for the copper value? Pennies ca n't be melted because they are US currency, but should n't anything defined as US currency have a value of more than XXXX? 

Either the Federal Reserve needs to require banks to accept pennies, or it needs to allow consumers to melt them. 

Thank you.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

there are XXXX public records ( bankruptcies ) reporting on my credit report, I have sent numerous letters as well as called numerous times to dispute these records ... US court sent a letter saying they do not furnish information to credit bureaus ... .and Equifax HAS NOT AND REFUSES to tell me the furnisher of this information and will not provide proof of the validity of these XXXX RECORDS ... .THIS IS CLEARLY A VIOLATION OF MY fair credit reporting rights ... ....
Consumer complaint received 2015-06-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I filed disputes with the XXXX credit bureaus 14 months ago. all my d ddisputes d dddddd disputes were resolved but XXXX these XXXX companies have some how kept e e e somehow kept these disputes active for 14 months. which has prevented me from getting an fha loan. the rules and laws say a dispute should be resolved in 60 days. so these XXXX companies along with the XXXX credit bureaus are breaking the law.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

A delinquent XXXX account in the charge off amount of {$19000.00} showed up on my credit report. It was disputed immediately as the name reported does not belong to me. The first and last names are correct, however the middle initial is not, nor is it an initial I have ever used in any of my records. The address connected with this account did not belong to me as well.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I have disputed this XXXX Credit card charge off for almost a year straight now. This account has been reported with incorrect information the entire time it was placed on my credit report. I disputed this back in XX/XX/2015 to verify this was my debt. They did not provide me with a single piece of documentation showing this belonged to me. They sent me a letter stating they do n't have reason to believe it is anyone else account. At this point they realized they need to stop reporting it in XX/XX/XXXX. They did not stop actually reporting it though until XX/XX/XXXX in which at that point they went and sold it to XXXX They then reported on my Credit report that they sold it in XX/XX/XXXX! This is not the case as I have attached copies of my report showing it was still being reported by XXXX all the way up until XX/XX/XXXX. They have also had all pieces of information mis-matching all XXXX bureaus with account status, date opened, balance, past due amount, and payment history. I have contacted them directly to get this taken care of. They told me that it is not them and that in fact it is the bureaus that are reporting the information incorrectly. I then contacted the bureaus who in return said XXXX and XXXX is reporting it this way. So they are giving me the run around. I am at a stall hitting a wall because they are not following the laws here. Please help!
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

ON OR AROUND XXXX XXXX, 2016 CONSUMER ( MYSELF ) FAXED TO CREDIT REPORTING AGENCY " EQUIFAX '' A IDENTITY THEFT FRAUD AFFIDAVIT PACKET CONTAINING A XXXX POLICE REPORT AND SEVERAL DISPUTES ALLEGING FRAUDULENT ACCOUNTS BEING OPEN WITHOUT HIS ( MYSELF ) CONSENT. PER FEDERAL LAW, INFORMATION RECEIVED TO BLOCK SUCH INFORMATION SHOULD HAVE BEEN TAKEN WITHIN 5 BUSINESS DAY HOWEVER, CONSUMER HAD TO CONTINUOUSLY DISPUTE ACCOUNTS AS IF NOTHING WAS EVER RECEIVED VIA FAX. TO THIS DATE NEGATIVE ITEMS REFLECT ON REPORTS AND EQUIFAX IS REFUSING TO TAKE SUCH ACTIONS.
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

Equifax credit bureau is inaccurate coding soft inquires as hard inquires to remain on my credit for 2yrs instead of 12 months. XXXX XXXX XXXX, XXXX cable and XXXX should be removed from my credit these inquires are consider as soft inquires. All of these companies review my credit was for services to promotional offers with these utilities company. This inaccurate coding of inquires is causing damage to my credit rating from Equifax Credit Bureau and I plead that this would be corrected and remove. I had attach document to support my claim.
Consumer complaint received 2015-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have been disputing and requesting validation of a debt I do not owe for nearly XXXX months now and EQUIFAX has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts. IN ADDITION THE OTHER XXXX BUREAUS XXXX AND XXXX HAVE ALREADY REMOVED THE ITEM in question, so it appears EQUIFAX wants to play by their own rules. The item on my credit report XXXX Acct # : XXXX is falsely showing. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items 1-6 ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

Equifax did not properly " reinvestigate '' the false item on my credit report that does not belong to me. It did n't not tell the method it used and did not provide me with copies of her supprporting documents to support its conclusion. And, most importantly, it did not remove the erroneous item.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

Dear Sir/Madam : Please note : I am filing a new complaint due to the fact that my previous complaint, XXXX was unable to be verified to to a lack of information. I called your offices and they suggested that I file XXXX new separate complaints, one for each of the credit reporting agencies that I would like to dispute with. So to be clear, this is a new complaint, and not a duplicate. 

I am requesting your assistance to clear up my credit report due to an inaccurate collection placed on it recently. Kindly allow me to provide some background information below : I paid {$150.00} because I discovered the apartment management XXXX had forwarded my claim to the collection agency, however, this does not mean I accept the claim. In fact, I completely disagree with this claim, and it is absolutely unjustified, erroneous, and unfair. I just wanted to get this issue resolved and off my mind so that I could pay attention to real issues and other priorities in my life. 

We have tried reaching out to the credit bureaus and asked them to correct the discrepancy. Attached are the letters that I have written to all XXXX credit bureaus, and also to the apartment complex XXXX XXXX. 

Kindly look into this matter and take appropriate action in accordance with laws to clear my credit history of this negative remark and collection at all the bureaus. I am in a process of buying my first home and this is negatively impacting my credit score and my ability to secure a Home Mortgage Loan. 

XXXX has already removed this off my credit report, I am requesting that you contact Equifax on my behalf and further investigate this matter. 

Thank you very much, and I look forward to your prompt attention to this matter.
Consumer complaint received 2022-08-04
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. (CA)

The Credit Bureaus have failed to comply with the FCRA section 605b and cont inuied reporting the disputed items completely from my Credit Report despite all the letters and complaints I have been submitting to the Credit Bureaus. I am frustrated by the Credit Bureaus ' course of action. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. I am inclined to taking legal actions and sue the Credit Bureaus for the damages done. I have been disputing the removal of the fraudulent items from my Credit Report for a long time, and the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting yet another investigation and proofs to support the Credit Bureaus claims that the disputd items belong to me. Pursuant of the FCRA section 605b, I am urging the Credit Bureaus that they remove the disputed fraudulent items comepletely from my Credit report : XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX  XXXX Balance {$4600.00}
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

I wrote to Equifax to have an error on my credit report corrected. I had an auto loan with XXXX Bank, all payments were made on time and paid as agreed. Equifax is reporting erroneous information regarding this account, there have been no late payments. In response from Equifax I received the attached document. It has another person 's name and credit information. Equifax did not address the errors on my credit report.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.