davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (IA)

I have supplied the dispute report number and will attach that document along with the additional documents. 
Background : I tried to sign up of the Social Security website for an on line account- upon doing so I was not able to so I called the SSA office number supplied by the website. I explained all of my information is correct etc. 
The SSA rep. explained that identity verification is drawn from Experian and I needed to contact them ; si I did. 
Upon doing so, the Experian rep. explained to me that she has no idea what information was supplied to the SSA office, but did I see anything? Yes I did an address AND that my complete and legal name is n't referenced anywhere!! 
I said so I dispute the reported address and my name and that 's it? NO she replied- I was told I HAD TO CONTACT the creditor and supply them with all my correct contact information!! I said the creditor HAS my correct information as I have mail from them and I have never lived at that address nor had I supplied on a credit application etc. Her reply once again was I needed to contact the creditor!! 
So the attached documents validate that the creditor reporting incorrect information has my REAL information as I have documents from them- see attached- I even supplied who and what business is actually at that address. 
Please see attached Experian Report for their answer to my dispute and documentation. By the way- XXXX XXXX and XXXX a report my current address correctly AND list it as such- Experian does not identify the current address. 
When looking at their Values statements posted on their website and comparing it to the baloney they list as how they collect data and apparently the information was deleted but its still on my report. 
In closing, I find it reprehensible that Experian provides an UNKNOWN combination of information reported by people other than the legal entity that the report is about to SSA, and frankly anyone, this debacle creates stress on me and delays important benefits health, financial and Identity Verification. If you read the Personal Information section and then read their website on their commitments to the integrity of their data and services. Its sounds GREAT! But in actuality it is poor at best and the US Government and Experian are playing the NOT OUR FAULT GAME and pointing fault at each other. 
The simple solution is full disclosure and transparency of the specific details about the information provided, shared and collected and put the ownership of validity on the credit reporters and account providers. not what is in the personal information section.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (AR)

On XXXX XXXX, 2016, I received an unsolicited call from XXXX XXXX at US Bank in XXXX XXXX, Arkansas extending an offer to consolidate our loans ( a first and home equity line ). She offered 3.5 % interest on an {$88000.00} loan, for 13 years and payments of {$700.00} ( excluding taxes and insurance ). We agreed to the proposal and began to complete the paperwork to finalize the loan. In the course of our conversation, I *specifically* said " Now XXXX, you 're locking us in at the 3.5 % interest rate, right? '' and she responded with " Yes, I 'll lock in the 3.5 % interest rate ''. I know her exact words because I 've had problems with being baited and mislead with this bank before and I was typing as she spoke. I subsequently received a written Loan Estimate from US Bank with multiple errors - an increase from {$88000.00} to {$94000.00}, cash back which I told her I did NOT want, and ( the primary reason for my complaint ) and interest rate of 4.74 %. I contacted her, expressing my concern, and her reply was " Hello XXXX, I am sorry for the misunderstanding but the rates that were quoted were as low as rates ''. As I mentioned above, I 've had problems with being mislead by US Bank before when we agreed to a Home Equity Line of Credit, but I accepted that as being my fault for not reading the fine print ... that 's why I was so exact with my wording and took the time to write down her specific words when she called. She did NOT say that she was extending us an offer " with rates as low as 3.5 ''. She deliberately and specifically said " I can offer you 3.5 % interest on a loan consolidation '' and then specifically said ( I know I 'm over-using that word, but I 'm very upset right now ) she was going to lock that rate in WHILE WE WERE FILLING OUT THE PAPERWORK ( taking down wage information, confirming employment, etc ).
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (GA)

4 ) Seterus inc acct # XXXX was never late! The XX/XX/XXXX payment received by Seterus on XX/XX/XXXX was not posted to account until XX/XX/XXXX. No payment was reflected has been paid for XX/XX/XXXX and XX/XX/XXXX but I have paid every month since the origination of loan. Seterus claim that my payment of {$960.00} ( for over a year ) was a partial payment due to an increase in my monthly escrow! They claim they sent me a letter but I never receive an analysis or oppurtunity to pay the shortage upfront according to Consumer finance regulatio 12CPR part 1024.17 ( 1 )
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (DE)

Equifax has ignored my request to provide me with documents that their company has on file that were used to verify accounts that I disputed. Being as though they have gone past the 30 days allowed and that they did not provide me with my contracts with my signature, they are required to promptly delete, under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 7 ).
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX National Credit Card Cos. 
XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Complete Dept. Stores XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financin Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

Hi, There is always an issue with Equifax. Equifax has changed my " complete '' credit profile and lowered score over " XXXX '' points! My score dropped from " XXXX '' to an " XXXX ''. Equifax has added XXXX negative accounts, XXXX collections, changed the length of my credit history, placed an inquire on my profile that has been removed. 

Please see the attachments ( credit reports ) from Equifax website. The XXXX dated XXXX/XXXX/2016 is how my profile should look and I 'm sure the score has increased because I paid down some cards. Now, I have many alerts on Equifax credit monitoring system stating my score has drop from " Good '' to " Fair ''. My score has dropped over " XXXX points '' because of this error. They continue to cause this issues with me because I reported them to you all before. Please see the report from Equifax website date XXXX/XXXX/2016, which display Equifax placed all negative information on my profile, which should not be there. All this information was reinserted. 

I have also, attached a screen shot from my other credit monitoring system, which states Equifax has a " New Address '' for me and my address has not changed ... 

Please compare the XXXX and see how they clearly changes my profile. Please have Equifax to correct this information ASAP as it 's stopping me from obtaining credit and employment! I should not have to wait 30 days fro their mistake and I believe this was done on purpose. A month before that after report them for some odd reason my score dropped XXXX points and noting bad or increase cards or anything changed on my credit for it drop XXXX points ... 

Please have Equifax correct this error ASAP. I 'm in the process of buying a house.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

I received an email from equifax stating that XXXX XXXX was deleted from my credit file. I checked my credit report today online and I saw that equifax failed to remove XXXX XXXX off my report. So I called and spoke with a representative and they stated they do n't see the letter that I was sent in there system and that the only thing they could do was start another investigation for the third time which is totally unacceptable and we 'll be young the 30 day mark.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NJ)

XXXX Card XXXX was disputed for accuracy with claim XXXX. 
Date Opened XXXX/XXXX/2008 is incorrect and not verified. No copies of signed contract supplied. 
Date Last Activity is blank and incomplete Charge off Amount is Blank and Incomplete CRA XXXX XXXX XXXX XXXX ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR XXXX FORMERLY KA : XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, EQUIFAX FOR MY HUSBAND ( XXXX XXXX, XXXX ) AND XXXX FOR MYSELF ( XXXX XXXX ). WE HAVE REPEATEDLY CONTACTED XXXX AKA XXXX AT THE XXXX XXXX XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY. 

ADDITONALLY, EQUIFAX CONTINUES TO REPORT A BANKRUPTCY IN ERROR. DISPUTE MY REPEATED SUBMITTED PROOF EXPLAINING IT WAS IN FACT A DUPLICATE. CASE # XXXX WAS FILE IN DUPLICATE AND STRIKEN FROM THE COURTS RECORDS AND SUBSEQUENTLY SHOULD NOT BE REPORTING. MY CREDIT FILE SHOULD REFLECT XXXX BANKRUPTCY CASE # XXXX, DISCHARGED XX/XX/XXXX.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (OH)

I have disputed an account that has been in my equifax credit file. This was a car loan that was taken out back in XXXX. I filed bankruptcy in approximately XXXX XXXX this loan went into default 4 month before that which would of started the 7 years of remaining on my credit report in which the credit laws states. This was a chapter XXXX filing or wage earner plan in which this account was under a stay of the united states bankruptcy code. My attorney at that time made incorrect calculations and my case was ultimately dismissed 3 months before its maturity date by the trustee. So in XXXX the firm agreed this was an error on there part and they refilled the case at their expense and I went thru 4 more years of a wage earner plan and this case was finished in XXXX. XXXX is the company that is still reporting derogatory information on my equifax credit report. I have called them numerous times pleading my case with them to remove this old account. They refused by telling me that any time a new agreement is made and it goes delinquent again the 7 year cycle restarts and that they are reporting according to law. The date of first major delinquency was in XXXX not XXXX as they are trying to make their case. They want to have their cake and eat it too and this is n't fair to the consumer and unlawful at that. I feel this is some sort of retaliation for filling bankruptcy to begin with. I have asked equifax to remove this and they told me I have to get first investors to remove it. They will not give me and payment history as they have deleted all that information. They refuse to give me any documentation for a pay history. The way I see it is this if they want to stay with their claim of a XXXX delinquency then I want a pay history from that point showing this account was paid as agreed by the trustee, I brought that point up and she told me they cant do that by law, and I said you cantreport a delinquency of XXXX when it actually occurred in XXXX that is breaking the law. I want this stricken from my credit report and never to return on my report again and I want the government to investigate this company for possible laws they may have violated for reporting this way and if they have broken laws their reporting privileges should be revoked permanently
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

The credit reporting agency continues to show inaccurate or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc. 

The following are a list of inaccuracies/erroneous statuses still showing on my credit report:1. ) XXXX XXXX XXXX, XXXX shows a late payment status. As per my last complaint, and the documentation to go with that complaint, it is XXXX that has mis-managed the escrow, and as a result, caused the account to fall behind. I have always paid according to the agreement ( s ) I 've had with XXXX. 

2. ) XXXX. This account was never opened under my social security, yet the credit reporting agency continues to allow this inaccuracy to remain on my account in violation of the Fair Credit Reporting Act, et. al. 

3. ) The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report. 

4. ) Any inquiries, XXXX or more years old, should no longer be showing on the accountFinally, there should be no new accounts, except a car loan via XXXX XXXX, showing on my record.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CA)

I was recently taken by a felon con artist. I discovered that he used identity theft as a means to clear his credit history. I tried to call all XXXX credit reporting agencies to let the know and so they would remove the fraud protection from his credit check. By fraudulently saying his identity was stolen his is able to continue his fraud and criminal behavior. They should remove the alert and press charges against him. They should also include that he has not paid the attorney fees or costs as ordered by the court of California.
Consumer complaint received 2015-08-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK (GA)

I have continually received calls from a XXXX that ask for various names of people ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) about missed payments. Not only am I NOT any of these people, but I have no outstanding card debit. 

Upon googling the number I came to find that the harrassers are Discover card in XXXX, OH. I have notified them several times that it 's the wrong number due to 1. I am not who they ask for and 2. I closed my Discover account 5 months ago due to their ineptitude. I also came across a web board where dozens of people have had the EXACT same thing of being continuously called by Discover & asked for the same people ( XXXX XXXX, XXXX, etc ), even though they have stated on numerous times that it 's the wrong number. They always want to argue with me about who I am. Growing frustrated, I called them back and asked for a supervisor. After debating with one of their XXXX, I was finally put in contact with a supervisor named XXXX XXXX, who felt it appropriate to tell me " we can call whoever we want until we are satisfied '' and when I told her I had been called over XXXX times, she said " Oh well. '' I filed a complaint with the FTC after every call and yet, they have done nothing. 

Growing tired of their XXXX times a day calls and the FTC refusing to do their jobs, I contacted the XXXX, who sent the information forward. I received an e-mail from a XXXX XXXX who is listed as the Executive Office of Customer Advocacy of Discover shortly there after and a plea to call her so we could " figure this out. '' Upon calling her, I talked to yet another XXXX who could n't comprehend English very well. Stating first that " she had left for the day '' I notified him that I was in the process of contacting a lawyer due to the continuous harassment at which point he stated " Uhhhh, give me a minute, she might be around. '' After several minutes of being on hold, he stated " she 's in a meeting, she 'll call you back. '' I 'm still waiting for that call. 

All in all I have been called XXXX times, XXXX of them in the last XXXX weeks. I 've talked to a XXXX at Discover who I literally had a 5 minute conversation with about not being XXXX XXXX and he wanted to argue that I was. He called back the very next day and had the same arguement. I 've talked to a XXXX that has asked for XXXX different people when she 's called me in the span of 3 days and when I told her I was neither, her response was " are you sure? " The continued harassment by this company goes beyond unreasonable and somebody really needs to hold them accountable for their actions. Either through fines or just a good old fashion XXXX, I do n't care, but it is ridiculious. 

Dates and Times of the last XXXX calls : 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 2017-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I recently froze my XXXX report, and have received verification that my report has an activity freeze on it. I contacted Equifax & XXXX credit reporting agencies on two different occasions, and asked them to verify a public record of bankruptcy on my credit report. They sent a reply stating that it was verified through XXXX, which is untruthful.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I am challenging a Public Record Information on my current credit profile as inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit profiles under their procedure of reporting as a derogatory for 10 years. The credit bureaus have stated that the information is " verified by it 's origin '', the origin is the Bankruptcy Court. I have contacted the Federal Court to confirm this information and they have confirmed, by documentation, that they did not and do not verify to credit reporting agencies. This is misleading and false verbiage on behalf of the reporting agencies. This discrepancy has prevented me in my personal life 's pursuit and I am requesting CFPB to advocate for me in this challenge. I have a consumer right to know the identity of the origin entity that is reporting this negative.