davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (IN)

In accordance with the fair credit reporting act, this creditors have violated my right. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S Code 1681e- A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). The IRS states that charge-offs are considered Income and income should not be reported under a consumer report. 
Besides this creditor is committing fraud by reporting the negative charge-off on my consumer report. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Consumer complaint received 2017-04-28
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: Experian Information Solutions Inc. (VA)

M y credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO report shows that I 've made 100 % of my payments on time in the last 24 months.
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (SD)

I called to make a payment on my card today, and was told it was {$120.00}. I spent an hour on the phone trying to get the woman to tell me why it was {$120.00} today. Finally a manager gets on the phone and tries to tell me that he listen to the last conversations I had but lied and said I knew that I owe the past due amount 's and that I was in collections which is false finally he said that I had no choice but to pay the minimum of {$75.00} that was due today I was a palled because the previous woman told me it was {$120.00} today neither one of them could come up with any excuse as to why I owe these amounts I made the payment so I would n't get any more late charges but this is a fraudulent scam these people just add on amounts neither one of them New my actual payment due was for today I have recorded the call and I 'd like to email that call to you. Finally every time I call I 'm told is different amount is due when I pay that amount the next month they tell me that was n't enough so now you owe extra and our fees this is a scam. Also I 've never received one statement in never received one statement in the mail. Please look into this and let me know where I can send the recording they trip all over themselves backtracking trying to come up with reasons why there 's fees what the fees are for and how much they are it takes her an hour to try to just tell me that. They put me on hold for long periods of time I was on the phone perhaps two hours it seems like. Unprofessional and seems to me like a scam or somebody scraping money off the top. Thank you
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

I have been writing letters to the XXXX major credit bureaus, XXXX Equifax and XXXX since XXXX of XXXX but until now, they still continue to report inaccurate information to some of the accounts that are being listed to my credit report. It has been more than a year writing to them but to no avail! So, I am here hoping that you will be able to help me have these accounts deleted from my credit report since it has been a year now and they seem ca n't seem to get it right. 
Please take a look at my list below : 1. XXXX XXXX XXXX ( Account # XXXX ) I have been telling the XXXX major credit bureaus that this account is reporting different information to them but all they got to tell me is either " they have it verified, they are reporting is right or they have added new information ''. But until now, this account continues to report different information. For instance, the Account Balance. XXXX and Equifax are reporting a balance of {$17000.00}, while XXXX reports a balance of {$17000.00}. The Date of Last Payment also does not match! XXXX reports XXXX/XXXX/XXXX, Equifax reports XXXX while XXXX does not state the date of last payment. I also noticed that the Date of Late Payment or the Payment History are different the XXXX credit major credit bureaus. 

2. XXXX ( Account # XXXX ) This is another account that continues to report information inaccurately as they do not match what is being posted between XXXX Equifax and XXXX. For instance, the Open date on Equifax says XXXX/XXXX/XXXX but on XXXX it is XXXX/XXXX/XXXX. The payment history also does not report accurately. 

I wrote to each of the XXXX major credit bureaus almost every month asking them to remove inaccuracies on my credit report. They have done their investigation many, many times! I am believe that they are violation of the FCRA. I wish to have these errant accounts removed from my credit report asap. It is very important to me to get my credit report right as I am considering on getting a new car. I badly need your help on this.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (FL)

I have challenged all XXXX credit bureau agencies, to collect the right data, there is a serious of problems that my credit bureau, continues to allow creditors to review my credit and make inquiries, without contacting me for my personal id number having Fraud Alerts activated. These inquiries, has caused some severe issues and lower my credit score tremedously. I have not authorize them to review my credit without my consent, nor was a phone call ever made to me to address the validity of the inquiry. If these features are turned on, why are they being allowed to enter my credit report and make inquiries without my permission, in addition, there are many accounts on my credit that are not sustained by said creditors, the account were not open at the time stated either, all these have been challenged and continued to be challenged, the effort is becoming endless and I have now resorted to your organization for assistance, since I was immediately helped in the past with a greater issue regarding my mortgage, and the resolution was amazing. Thank you
Consumer complaint received 2016-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CT)

In reviewing my credit report I found that my account XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX had an incorrect " Date Opened '' of my account. This account was not opened XXXX XXXX, XXXX. This account was opened with XXXX Bank in XXXX and sold to XXXX XXXX XXXX in XXXX. This error is illegally decreasing the age of the account by more than 3 years. The attached letter dated XXXX XXXX, XXXX which notified me that my XXXX Bank card was being reissued by XXXX XXXX XXXX with a new number, proves that the account was opened prior to XXXX XXXX, XXXX. By reporting a later, incorrect date they are shortening the average age of my accounts to my detriment. I am trying to refinance my house and this error is making it more difficult. I requested that they please either report the correct date the account was opened or delete the account as required by law. Equifax has done neither.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

In 2008 we moved out of our home in NJ, requiring the return of a cable box to XXXX. I have a receipt from when the box was returned. I tried explaining to XXXX XXXX, the collection agency retained to service this account, that I paid this amount in full but they refused to listen. I disputed according to credit bureau instructions but XXXX XXXX refuses to even investigate. This has done significant damage to my otherwise perfect credit in the past 4 years and I demand this be corrected and removed from my bureau report. I should also be compensated given their obstinacy in recognizing my case is unjustified to be in a collections status.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (CO)

Theres a whole bunch of credit inquires on my credit and i barley turned XXXX yrs old i havnt done anything to mess up my credit please help i need toget a loan n want to get a credit card n havnr tried but says i have??
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLDMAN SACHS BANK USA (PA)

Nearly  one year ago, I c ontacted the CFPB to inquire about specific transaction details regarding my mortgage that was purchase d by Goldman Sachs  on  XXXX   XXXX ,  XXXX  from  XXXX   XXXX   XXXX   XXXX   XXXX  .     The company has not provided an adequate response to my inquiry and representatives from the CFPB indicated that followup emails had been sen t to Goldman Sachs for a   response. Yet, no reply has been received.      Goldman Sachs was  asked to provide details about the dates that my loan was sold from its controlling interest (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    )  to  XXXX   XXXX   XXXX  .     Additionally, my loan that was purchased on  XXXX   XXXX ,  XXXX  via a securitized transaction did not include the note, as an assignment was ultimately crafted in  XXXX  of  XXXX .     The bank purchased a loan without ownership control of the note. So, I want to know how it was able to sell the securitized mortgage notes / trust without ownership.
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I paid XXXX XXXX Systems back in XXXX. They sent a letter to all XXXX credit bureaus and my wife and I showing that the account was satisfied in full. The problem is that all the credit bureaus are reporting this account in the remark section as " settled for less than full amount ''. I asked them all to remove the remark from this account. I uploaded and faxed documentation from XXXX XXXX XXXX showing this account was satisfied in full. It 's now XXXX, and we are in the final process of getting our first home, and the remark is still showing on our reports. We need to have the remark removed.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I spoke with a representative from United States Senator XXXX office regarding credit errors on my credit report. I was informed by Senator XXXX 's representative that they spoke to Equifax representatives and they would review my credit report immediately and remove the unauthorized and fraudulent accounts listed on my Equifax credit report because the accounts do not belong to me. Review the letter from Senator XXXX 's office attached to this complaint.
Consumer complaint received 2016-10-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (WA)

I have placed a fraud freeze on my credit reports. Recently, I attempted to get a new credit card. The freeze worked exactly the way it should ; XXXX sent me a letter saying they needed a pin, or for me to release the freeze to continue. 

The problem is with Equifax. Through their website, they asked for indentification from me, but did NOT request the pin I have recorded from them. Immediately after, they refused all further contact by phone or internet : " We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. '' I am not comfortable with sending information that is already sensitive in the clear, and especially when it includes the PIN that is the master key to my credit report with XXXX. 

But I have no other option.
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I have a collection account listed with XXXX. I have not had an account with them for years and I 've received solicitation stating how bad they want me back. I fulfilled my account with them and have not been contacted. This is the first I 've seen this. I 'm disputing this and I want it removed.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family.
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

I have disputed this a few times with equaifax. They come back every time saying VERIFIED. Show me proof for once! I have called the courthouse and they said i do not have a recorded judgment and that equifax has NEVER called them ever. 

They are lieing. How can you let this happen. They must remove the judgment from XXXX they have XXXX file asap.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (CA)

When I was approved for my auto loan. The bank rep said I was approved for a credit card. I clarified if it was an application for a preapproval or was I already approved. SHe responded that I was already approved. I said ok. SHe explained that I have an introductory offer of 0 % interest for 12 months on new purchases. I asked could I prepay 12 months of my auto loan on the card. It makes sense to paydown an interest loan on a card with no interest. SHe responded that she did not know & that I should call the loan department. Instead of prepaying on my auto loan. I made some large purchases. Two were prepaying other bills to receive a discount & the third was an expensive watch. When I received my first bill I saw I was charged interest. I contacted US Bank through their website explaining the situation. I also explained that I was lied to on a previous card application. I was also told I had no interest for 12 months & 1 % cash back. I received a response explaining what the introductory offer was. Which did not include 0 % interest on new purchases. They basically danced around my complaint & blew me off. Last XXXX I emailed the rep who assisted me with the auto loan. I still have yet to receive a response. I do n't like being lied to so that you can make a sale, earn a spiff, or anything else. THen for the company just to not even address the complaint is XXXX! Now I am paying interest which counter productive on the savings for prepaying & on a watch that I would not have purchased.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MO)

I paid my consumer credit card bill in full on the date due. They sent me a statement with a balance for interest. When I called them I was advised even though payment was received on the due date my payment didn't post until the following day. I questioned this and they waived the interest charges, but in my mind this deceptive business practices as if I would not have known to check further and question it I would have been responsible for interest I technically did not know. How many people are getting stuck this way? Shameful this company operates this way.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DC)

XXXX lied and told me they offer internet services at my apartment in order to obtain permission to view my credit information. They do not offer internet, only telephone services, and no cable in my area and yet they still tell consumers they can receive their services before they request all your personal information. I tried to remove the fraudulently obtained permission from my credit report, which includes XXXX fraudulently obtained permissions to which XXXX hard credit inquiries are on my credit and affecting my score. XXXX refuses to correct the issue even though XXXX representatives lie in order to obtain sensitive personal information. XXXX will lie to you to obtain personal information and use it for their benefit because they will not correct their mistakes.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

XXXX XXXX responded Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. Please send the requested document such as, driver 's license/state ID card or utility bill showing the current address information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, XXXX XXXX or fax the documents to ( XXXX XXXX XXXX to have the Fraud Alert removed from your file. You may also contact us directly at ( XXXX ) XXXX to speak with an Equifax representative regarding additional concerns or questions. Written confirmation was mailed on XXXX/XXXX/XXXX. 


Dispute Response Equifax has reviewed the complaint and its records. Equifax did not receive any additional communications from the consumer during the review of the complaint. No follow up actions are required in further response to the complaint. 


What happened Product Credit reporting Issue Credit reporting company 's investigation : Problem with statement of dispute Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Remove fraud alert from my credit profile. 


XXXX to publish the description of what happened? Consent provided Supporting documents PDF document XXXX Product information Information about the credit reporting company Equifax XXXX XXXX XXXX XXXX XXXX XXXX United States Social Security number XXXX Date of birth XXXX/XXXX/XXXX Desired resolution What do you think would be a fair resolution to your issue? 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Remove fraud alert from my credit profile Consumer information Contact information Mailing address XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX United States XXXX XXXXXXXXXXXX Phone XXXX
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MI)

Equifax list student loans backed by the Stafford Loan agreement as " Installment Loans ''. Which technically they are installment loans but you can not declare bankruptcy on them. The other Credit Reporting agencies do not use Student Loans as installment loans. They are listed as Other or Student. That way the Debt To Income ratio for your score is not as highly affected. This is not fair if the Student loans are on a " Income Based Repayment plan '' like 48 % of Americans use. This compounds any actually " Installment '' loans such as Auto, mortgage, etc.. we may get. For instance my DTI ratio is 109 % because of the equifax listing. My student loans are compounded with my car loan. This throws your credit score down about 40 points.
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have disputed this with Equifax XXXX times now and they are not correcting the information. There is an account with XXXX that is showing 120 days past due - Paid in full. How can it be paid but past due at the same time? Its not 120 days past due. I 've explained it to them several times - over the phone and in writing and they will not correct it. The person I spoke to on the phone even said it does n't make sense, but they would have to re-send it electronically to XXXX which is what they said they did the previous XXXX times. This is effecting my credit score. I do n't know what else to do. They ca n't by law report erroneous information and their investigation process is horrible. There is no way I should have to dispute the same information XXXX separate times for almost a year with nothing being done. Please help. Can I sue them? They are responsible for reporting correct information and Equifax does not seem to take that responsibility seriously.
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors University XXXX, XXXX, and XXXX. and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CT)

I have tried to apply with several lenders and they all tell me that my Equifax report is blocked. I have spoken to Equifax and they deny that the report is blocked. That said, it clearly is blocked because I am getting the same response from several lenders. The lenders can not access the report at all.