davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I have disputed a XXXX account Equifax is reporting on my credit report. I have requested debt verification by mail from the address Equifax has listed and with no response. I also filed a complaint with the Consumer Protection Finance Bureau. Verizion also has not responded to them with any documents and its also been beyond 30 days. 

I would like details on the date and the person or department that has verified this account with Equifax. Also there is no phone number to contact this creditor listed. The only one who can verify this account exist is Equifax.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TN)

Equifax is stating they are only reporting what XXXX report by electronic update. I 've have a dispute with CFPB with XXXX as well. Which states they posted to the wrong account on XXXX 2014. XXXX is said it 's Equifax and Equifax says XXXX. Please advise!
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GU)

I am a member of XXXX. On Equifax it states that I have an open account and XXXX closed account. I had only XXXX loan with them and it is now closed since 2013. Its showing on my Equifax that I have an open account. I want to dispute it but unfortunately the system can not find my file. Please help
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

Equifax wrongly changed my last name on my credit report, and deleted all of my previous credit history, and started a new credit report. After several attempts of explaining the situation, XXXX supervisor found my old report and promised to combine with the new XXXX. They had XXXX credit reports for me with the SAME ssn. I initiated a dispute to have this corrected, they only updated my last name to the correct XXXX. ALL of my previous credit history is gone. I have been denied credit due to Equifax reporting my credit history incorrectly. It shows that I only have XXXX months of credit history, and I am XXXX years old with a mortgage, car loans, credit cards, etc. All of this showed on my credit report as recently as XXXX 2014. None of it shows now, and it is all current information.
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I want to file a complaint against Seterus Inc. XXXX was suppose to take the check that I sent in for my Escrow Account for {$500.00} back in XX/XX/XXXX, which they applied as a partial payment, though I sent in my normal payment for XXXX, XXXX, and XXXX of XXXX. Since they were not willing to apply to my escrow account, nor return the money to me, we discussed that this partial payment would be reversed and applied to my principal balance, which I agreed to. Then I get a letter from her responding to me that no, they did not do as we discussed, instead she took the payment I had sent in for my XX/XX/XXXX payment and reversed it instead. Then she went on to reverse all of my payments for XXXX, which should not have been affected and then put my account in Suspense. I have been denied refinancing of my loan with another bank as Seterus Inc has reported to the Credit Reporting Companies that I have been 180 day delinquent on my loan. I have never been late, nor missed a payment and now I have been denied refinancing because they have falsely reported to the credit bureau 's regarding that I 'm delinquent. I have my canceled checks to prove this. This is ruining my lively hood and my credit worthiness. I would like to know how can they continue to get away with running people lives like this? How do I get this corrected? Please advise.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (NY)

Why are credit seekers punished for seeking the best rates? My wife and I recently sought a home equity line of credit and a new car loan. When seeking the best rates, credit issuers check our credit scores which cause the scores to drop. This is ridiculous. This is the only situation in which a consumer is PUNISHED for trying to get the best deal. I understand why it would affect the credit score when a person applies for multiple credit cards. But there should be a protected class of inquires including mortgage and car loan inquires which do not damage or lower a consumer 's credit score.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the CB and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. XX/XX/XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the CB investigation and a statement from Santander of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency )
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

Equifax continues to erroneously report an account ( XXXX XXXX ) with a negative payment status to my credit report even after I have disputed the account both directly with Equifax and with XXXX XXXX. XXXX and XXXX have correctly removed this account from their records, but Equifax has refused to do so. This account was my husband 's account and I was only an authorized user.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I am trying to refinance my home. 
Equifax will not provide restore. 
Because XXXX has lost/stolenWhich is their policy. I took daughter of card. 
Equifax wants it removed or explained! Bank says there isNo need because it does effect my score. 
HELP. Yesterday Equifax said I had a dispute against XXXX. XXXXThere was none. The other reporting agencies did not show. 
If I lose financing Who will help me for Equifax nonsenseRequests?
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC. (GA)

My score drops about XXXX points ( from XXXX to XXXX ... ) for a month, there are some things that do n't make since ... 
My Credit Card Utilization - XXXX from XXXX XXXX, {$10000.00} Limit / {$8500.00} Used - it is 24 months interest free, but it is count as real credit card ... 
XXXX from XXXX - that XXXX is for 60 months interest free, but still counts as real credit card ... 
Credit Inquiries - I get a new mortgage this spring from XXXX XXXX, for some reason they have XXXX Credit Inquiries for the same thing .... 
in the same time, another bank run another Credit Inquiry fro the same thing and I only has been asking for quota ... 
I really do not remember asking XXXX and XXXX XXXX for anything and why they issued Credit Inquiries ... 
So, without even a late payment on anything, my score drops XXXX points, I do not think this is fair ...
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

Both Equifax and XXXX may be using unfair and inappropriate questions in their online screening and verification questionnaires prior to sending an online free credit report. Their motive may be to sell an online service providing that report, since many people like me do not trust the security the postal mail for sending and receiving a ready-made identify theft packet of information. Specifically, both Equifax and XXXX have asked me, when applying for an online report, whether I have a retail credit card for which the provider is XXXX XXXX. The tricky part for holders of XXXX XXXX is that originally the provider was XXXX XXXX, but that changed some years ago to XXXX XXXX XXXX. There are XXXX issues here. First, are XXXX or XXXX of these credit bureaus using XXXX XXXX as the correct answer, which was true at one time but has not been for a long time? Second, how can the consumer be expected to know the correct answer to such an arcane question anyway? For years I had mostly no problems getting an online report, but that has changed, despite no change of address or anything else relevant on my part. Given these perhaps inappropriate screening questions, and perhaps other such questions, my real options are to pay for an online report or get a free postal mail report, neither of which is a very good option, and the credit bureaus gain revenue from my dilemma, whether their questionnaires are clumsy and inappropriate by design or by accident.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (MS)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX  to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX Inquiry dated XX/XX/XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX
Consumer complaint received 2015-07-21
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

I used my personal checking account to make a XXXX time payment to Discover on behalf of my son. Some months later Discover used my account information, which they saved, without my permission to debit my checking account with an e payment for my son 's account without my authorization. When contacted Disover stated they could not remove my account information until the charge was disputed and declined by my bank. Is it legal for Discover to store my information without my permission and refuse to remove it at my request.
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (OR)

I had a debt from Kay jewelers that was bought by national credit adjusters. I paid in total  XXXX  dollars in 12 months way of  XXXX   XXXX  dollars a month and a last payment of  XXXX  dollars. The debt does not show on my credit report and Kay jewelers said I do not owe anything.  XXXX   XXXX   XXXX   XXXX   has contacted me and said I owe money for a debt to Kay jewelers. I told them it was paid and provided phone numbers to verify that it was. I have received nothing in writing from the regional mediation services about this supposive debt. On  XXXX   XXXX    XXXX   I received a call from an Idaho number which I do not live saying they are a courier to serve me papers on behalf of regional media services to sue me. I believe these people are scams and need to be looked into. I have done some research online and have seen the same stories from others and was provided this site address to file a complaint. Thank you  XXXX   XXXX
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (NY)

I paid payment in full to one collection agency, XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX. Then, a year later I get dunned for the same debt by another collection agency : ERC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

I called both agencies, plus the original debt holder, XXXX XXXX. XXXX XXXX sent me all related receipts indicating payment in full, but ERC and XXXX do n't appear motived enough to look at my paid receipts. 

I have attempted to clear this matter up on my own, but it seems not to be working. Thank you for your time.
Consumer complaint received 2016-07-27
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC (NE)

I had gotten a payday loan thru castle payday loans they charged and debited my account for more than what was agreed and now some guy from XXXX Named XXXX XXXX XXXX XXXX XXXX is calling people and saying i gave their information as a contact person and i never did. He has constantly called them several times after i have told him they are not related to me nor did i ever put them down as a contact form. Their names are XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX have called and talked to the manager and told him this guy had been harassing these people and he said he would take care of it and hasnt. He calls them at least XXXX4 times per day and they have as well asked him to stop calling and he continues to call
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: ERC (OK)

XXXX reports that I opened an account in XX/XX/XXXX. I opened no accounts of such type in XX/XX/XXXX. The account was opened in XX/XX/XXXX. They illegally changed the date of opening this account.
Consumer complaint received 2017-03-02
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (MI)

I have a few clients that deposit monies into my checkings and they frequent your warren office on gratiot and EVERYTIME a deposit is made the clerk gives my balance to the people I do not appreciate it and am aware it 's against your regulations because you make me show my own identification before you give me my own balance. Also discussed a deposit and where it came from I am the only one on the account so this information should n't be released from any clerk to anyone I am livid and would like this to be fixed ASAP IT HAPPENED TODAY and numerous other occasions
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: KEYCORP (NY)

I have a XXXX credit card, formerly with XXXX XXXX XXXX which switched to Key Bank. On the switch, I was unable to log on to the Key Bank web site. There was suppose to be a smooth transition. On, Tuesday XXXX XXXX 2016, I was placed on telephone hold for one half hour until I gave up. Today, XXXX XXXX 2016, I was placed on hold for 1 hour and 20 minutes until I reached a rep, who switched me to another rep line, which gave me a recorded message that there would be at least another hour hold time. This is totally unexceptionable.
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: Transaction issue — 
Company: KEYCORP (NY)

Key Bank requires online statements and payment in order to avoid a $ XXXX monthly fee. Because I have an older computer system that XXXX considers to be below its minimum standard for downloading the latest version of XXXX XXXX, my popup windows are not working to remind me of the calendar entry for paying my credit card. As such, I paid my credit card a week late. The Key Bank representative graciously waived the {$37.00} late fee but kept the {$.00} minimum charge to cover the additional interest, to which I agreed, because that is fair. As Key Bank, in an attempt to obtain prepayment of its outstanding balance, sets the next month 's payment as a two-month payment, even though the previous month payment has now been paid and late fee waived. I called Key Bank 's credit card customer service representative, who told me she nor her supervisor had the authority to modify the minimum payment to reflect the previous month 's payment. I have complained once before on this subject when I received this response once before, and Key Bank representative XXXX XXXX competently modified the minimum balance calculation manually. I am looking for this resolution again, but more important, I would like to solve this problem once and for all. I asked the credit card customer service representative, if I could schedule payments in the future when I receive my statement or, even simply schedule a recurring payment every month which will slightly overpay the payment as the balance is paid. Incredibly, I was told that Key Bank offered these features but no longer does so, features that other banks typically provide ( e.g. XXXX XXXX )! Accompanying this complaint are the two relevant screenshots, showing my attempt to set up a recurring transaction and how that feature is disabled once I enter the Key Bank Mastercard account as the recipient of the monthly recurring transaction. I would like to be able to make a recurring transaction because of my inability to receive reminders from my electronic calendar.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I contacted Equifax to dispute XXXX debts that were n't mine. They never sent me notification the dispute was properly investigated. They simply stopped sending me e-mails telling me they were working on the dispute. I checked on the website but was denied the ability to view the results. This was different than a previous address dispute that was handled in the same manner. In that case I had no problem viewing their results. When I called on the phone, they simply said the creditor verified the debt but would not tell me how or provide me any documentation.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I am filing this complaint because Equifax has ignored my request to provide 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 ( 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 manner as soon as possible. Thank you.
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I sold my house. I requested a payoff as did escrow. We did not receive the payoff until I submitted a complain with you. I finally received my payoff and they added XXXX to the payoff for " estimated additional charges through XXXX XXXX County property taxes '' I have an impound account that has XXXX in it. Property taxes are not due in California until XXXX late after XXXX XXXX. My account was payoff on XXXX XXXX. There is no reason they should have added that to the payoff. I called in and they say they do n't know why that was added but it has not been added to my impound account. I should receive a full refund of what is left in my impound account plus this XXXX. They statement I am providing you is from XX/XX/2015. they are no longer sending statements but instead a coupon with no loan information. It states you can only get loan information by going on their website. Since my account is paid off I have no access to their website Many people do n't have access to computers. I do n't know how they can not send a statement with no information. I have included my payoff I received, my XXXX 2015 statement and the XXXX coupon. I want to make sure this company gives me back my impound account plus this additional XXXX of my money they took that was not needed. This company has been very hard to deal with. I can get no answers from customer service. I appreciated your assistance in this matterElizabeth LongdenSeterusLoan # XXXX