davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I submitted a complaint to the Consumer Financial Protection Bureau, stating that Equifax has not responded to my request to investigate erroneous, inaccurate and incomplete information in my credit file. After the complaint was filed, a partial response was returned by Equifax stating that they will investigate the disputed items and get back with me within 60 days. This is totally unacceptable. Federal Law clearly states that a Credit Reporting Agency has 30 days to respond to a consumer 's complaint or dispute. The original dispute was filed on XX/XX/XXXX, and it has not been resolved yet. It has been over 120 days and they are still saying it will be another XXXX. Why even have Federal Laws if the Credit Bureaus do not follow them and are not held accountable. At this point, I am making a formal request that the disputed information be immediately deleted from my file, since no evidence has been properly established as to the validity of this erroneous information in the time allotted by Law.
Consumer complaint received 2015-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

recently learned that my identity was stolen and still trying to resolve the many problems that pop up daily due that. 
i filed a FTC Identity Theft Victims ' Complaint and Affidavit no. XXXX, then filed police report with XXXX police department report no. XXXX, in addition i filed US Postal inspector mail theft report and faxed and mailed through certify mail to all the fraudulent creditors and the XXXX reporting agencies ( sent police report, completed Ftc affidavit, copy of driver license and social security along with letter requesting all the records and requesting the credit reporting agencies to block the fraudulent accounts removed and blocked in pursuant of section 605B of the fair credit reporting act. 

XXXX and XXXX both respond in timely manner. 

Equifax refused to do so and attached their response as follows " XXXX We have reviewed your concerns and our conclusions are : Please be advised that Equifax , at this time will not block the information subject to the submitted identity theft and /orpolice report you provided as part of your dispute. We are contacting each creditor directly to verify the account /s onyour behalf. We will also forward a copy of documents you have provided to each creditor for their review. " please help me solve this issue its costing me time and money that i do n't have. 

thank you
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

I disputed XXXX accounts with equifax. the accounts were XXXX from XXXX. equifax reported : We have verified that this item has been reported correctly. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. We have verified that the date closed is reporting correctly. how can they verify those items above when my documents prove otherwise. its like XXXX and EQ dont care about the consumer. EQ will just go along with what ever XXXX says. 
but they did not verify account history with status codes and late payments. they did not verify that i had a veteran XXXX discharge on XXXX XXXX XXXX and was XXXX on XX/XX/XXXX by SSA . thus they are not verifying all info on tradeline and saying the account stays on credit report due to lack of their own verifying of whole tradeline the payment history is wrong. and saying transferred to government. when the loan was discharged the loans were still with XXXX. i have disputed and disputed with the CRA 'S and XXXX yet they keep reporting the same wrong info. equifax has many pages of documents i uploaded proving my position. yet they dont verify all info on the accounts,. these XXXX accounts have already been deleted on experian. how much XXXX and frustration do i have to deal with on these accounts. i feel like equifax and XXXX are in collusion on this. i an XXXX XXXX with XXXX, XXXX, XXXX. its hard to fight these guys over and over. you will see the account numbers are different from experian to XXXX to equifax. i have uploaded the EQ dispute result and the EQ full credit report
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

Why does it seem like getting Equifax to actual perform an investigation is like an act of god? 

I do n't understand. This is the 4th time I 'm sending them a letter requesting them to investigate. It 's almost like they are n't even reading my certified letters. 

They have not provided me with an updated Credit Report as well and again, refuse to investigate. Why? 

I need someone to please take an interest. I do not wish to file a lawsuit. 

Please see attached.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

There are multiple entries on my credit report file that belong to my father, whom shares the same name with me. I would like the issue resolved as soon as possible, as to amend this situation. The incorrect entries are the following in the document attached : Reference Number : XXXX Reference Number : XXXX Case/Docket # XXXX I have never filed for bankruptcy, nor approved of any filing of bankruptcy on my behalf. Furthermore, the lease taken out for occupation at XXXX was not, and could not have been done on my behalf at the time as I did n't have a credit score or history ath the time of the lease. Again, as my father and I share the same name, it appears there was a clerical error in entering it on both of our credit histories.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OR)

I found out the company is owned by XXXX at XXXX XXXX, OR XXXX and that is who filed the complaint with Equifax. I just double checked with the leasing office that I applied to that received this fraudulent information from the credit report from Equifax telling me that it was the last apartment I lived at and gave me the property name of XXXX that was on the credit report. This company runs XXXX and XXXX my Account ending in XXXX. I will attach my ID that has nothing to do with the address where I use to live, but I hope it helps. I can also attach a photo of the first page of the first year lease. Also it 's {$650.00} that is listed that I owe on the credit report - my rent was {$680.00} - they had me moved once and possible are confusing me with someone else 's old lease - they actually owe me money, security deposit - {$150.00} - possibly being accused by two roommates whom verbally and physically assaulted me continuously accusing me of not paying the electric bill ( verbal abuser replaced her lease to a physical abuser ) They felt I was solely responsible for the electric bill ( which all my payments are noted on EWEB for my share or I have a receipt for the much earlier ones to this of the physically delivered payments to the verbally abusive roommate whose name was on the bill. Being XXXX, it appeared the office was abusively discriminating me to this constantly trying to run me out. I have video on Instagram to the physical abuse and living conditions to this as well as emails from XXXX ignoring my cries and even trying to throw me out to previous cries before moving me to this different room when I was getting seriously ill from smells of heavy drug use which I reported to campus police.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I mailed out multiple letters to Equifax stating a XXXX mortgage is reporting o my credit report. There is no activity on this account in XX/XX/XXXX or XX/XX/XXXX. I want it removed from my credit profile. I do not live in TN. 

XXXX XXXX
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

My complaint is in regards to an investigation by EQUIFAX and a recent claim dated XX/XX/2017 regarding account # XXXX which XXXX claims to have verified, and that I owe them in the amount of {$64.00}. I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they have sent me was a statement. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. They inform that they have requested that the consumer reporting agencies report the account as disputed, but they have not provided " validation '' of the debt. Therefore, they have broken the law by not validating said debt. 

On XX/XX/2017, Equifax informed that they have researched the collection account # XXXX and the results are that they have " verified '' that this item belongs to me and that additional information has been provided by the original source regarding this item. Again, I have never signed any contract with XXXX who have failed to validate this debt and confirm that I owe them any money. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX
Consumer complaint received 2015-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (AL)

While viewing my EQUIFAX credit report, I noticed an unauthorized and fraudulent credit inquiry was conducted by XXXX on XXXX/XXXX/2015. I did not authorize anyone employed by this company to initiate an credit inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681 b ( c ) .XXXX were not legally entitled to unilaterally review my credit report without my written consent, thus, this was a fraudulent inquiry and a serious breach of my Privacy Act.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NJ)

XXXX is continuously re-aging the accounts on my credit report and Equifax continues to report credit account. per FCRA XXXX is in serious violation of repeatedly adding the account to my file. They are trying to ruin my credit score.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NM)

I visit www.XXXX.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to get it when it timed out with out giving it to me!!!
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC (NJ)

Back in XXXX 2015 I mailed my request to have my consumer report sent to me so that I can go over the information. I receive the consumer report and noticed there were alot of inaccurate information being reported and this could harm me for employment, financially and negatively in every aspect. On the report they have crimicl information for Texas so I contacted the XXXX XXXX Police department and received a letter from them saying those charges were dismissed because I was n't in Texas. There are several other charges on there associated with addresses that I have disputed because of ID Fraud those items also needs to be removed, They have a judgement that is n't mine that also should be removed. On top of inquiries that I did n't authorize that should be deleted. Safe Rent also have my parents address on my report as mine and this information should not have been included at all. There are XXXX dismissed eviction filings that needs to be removed as well
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I had an Equifax Platinum Monitoring membership for almost 2 years. Last month I tried to upgrade my monitoring product to another one which provided me a XXXX score. I tried a number of times and always received an error message. Following that situation, I called Equifax Customer Service and have been calling them for over 10 days. I have lasted more than 1 hour on each call with representatives that are n't capable of helping me figure out what is wrong with my profile and I now have no access whatsoever to my own credit profile from Equifax. My credit card was ran more than 9 times because the representatives were trying to experiment with different products and none work. I also tried going thru XXXX and the only report that I ca n't access is the Equifax XXXX. I was told to check if there was a hold, freeze, or a fraud alert and this is n't the case. I 've been t old a number of times that there is nothing that should impede any other company or myself from obtaining my credit report yet Equifax themselves ca n't process my order for a credit product which they provide. I have proof that I have had several credit transactions and voids and yet after 2.5 weeks I still ca n't get access to my report. I do n't understand how a company not have answers as to why I ca n't obtain a product that they service.. Plus I am growing worried as to why I ca n't access my information online.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Transform Credit Inc. (OR)

Company : TRANSFORM CREDIT INC Amount : {$220.00} Dates : XX/XX/2021 I have tried calling the company to talk to someone and no one ever answers. 

Makes it hard to try to reconcile the inaccurate account. 

I am not sure what else to do except continue spamming their phone with calls. 

I have no signed documents or any documents for that matter that would justify the account that was created under my name. Therefore, the company does not have the right to establish an account in my name. 

Help!
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I previously submitted a complaint regarding a IRS Withdrawl for XXXX which should have been deleted from my Credit File relating to Lien XXXX. 
Equifax claimed in there last response below that is was deleted from my file. However the XXXX is still appearing on my credit report and is drastically affecting my credit score which is causing a major hinderance in obtaining new credit. 
XXXX is part of XXXX and was reporting as a duplicate on my credit report from the beginning and needs to be deleted. This has already been Withdrawn by IRS. 
IRS Serial Number for Release & Withdrawl of this included amount of XXXX is Serial Number : XXXX. 
Also, they retaliated with my prior complaint and reinserted XXXX prior State Tax Public Records which were previously deleted. This is blatant Credit Discrimination in itself and I am requesting the XXXX Public Records be removed from my Credit File.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I 'd want to have an inquiry removed from my credit report resulting from identity theft. I contacted XXXX about the fraudulent account in XXXX 2016. They immediately closed the account and said that they would submit information to the credit bureaus removing any reporting on the account. They have not done so. When I submitted the information to Equifax in XXXX 2016, I was referred back to XXXX. I spoke with XXXX in XXXX 2016 and XXXX says it will take 90 days to have the bureau update the information. Seven months is quite long enough to wait. My credit has been affected by this entry and I want the information on the fraudulent account removed immediately. XXXX has not lived up to is responsibility to remove the information and even when presented with evidence that the account is not mine, Equifax refuses to remove the information.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (CA)

US Bank issued the XXXX credit card that I used. The current complaint is that my identity was stolen ( everything from Social Security number to password and all personal information ). The bank employees told me that they knew of the theft but did not contact me. Someone had called the bank and asked to change my password and address. The person had my personal identity information. I only learned of the theft when I called US Bank asking why they had blocked my use of my card when I tried to use it to buy printer ink. I talked to US Bank employees who basically said they were too busy to contact me. There were many earlier occasions when the bank blocked my card usage when I was outside my immediate home area. Each time I asked them to call me and ask if I used the card and was assured that they would do so. It did n't happen. 
I am a senior citizen.
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (LA)

US Bank ( Bancorp ) refuses to pay for a homeowner 's insurance policy which is included in escrow as part of the mortgage payment. I have contacted US Bank no less than three times in an effort to resolve the lack of payment. Despite my previous requestes, US Bank still has not made the policy payment as requested. US Bank now claims I called them to request the distribution payment to my insurance company be stopped. My insurance company and I have been attempting to resolve this issue since the beginning of XXXX ( approximately 20 days ).
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: Balance transfer — 
Company: U.S. BANCORP (PA)

I have XXXX balance transfers on my US Bank credit card - XXXX due XXXX XXXX, XXXX due XXXX XXXX and XXXX due XXXX XXXX. All at 0 % so there is no highest percentage to payoff first. However, the minimum due amount goes towards the XXXX XXXX balance and the rest goes to the XXXX XXXX balance with none going towards the XXXX XXXX. How is this fair. They are paying off the one that is due longer not what is due now. I want to payoff the XXXX XXXX balance but was told that if I do that only minimum payment goes towards that balance and the rest will go to the XXXX XXXX. I have to payoff the XXXX XXXX first to payoff the XXXX XXXX. This is not fair! I do not have the money for the entire amounts just the XXXX XXXX. So when I can not pay off the XXXX XXXX balance because of the way they are allocating my payments I will have to pay accrued interest on the balance due XXXX XXXX.
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (CO)

A new bank took over from the previous one, from XXXX to visa ( fidelity credit card ). I setup auto-pay but they failed to take payments, failed to notify me of unpaid balances. I had been a customer for at least 5 years, maybe 10, never late, always paid balance in full with auto-pay. They cancelled all fees and interests once I called them, however they refused to undo their reporting to credit reporting agencies. It turns out that while they did not feel necessary to communicate with me for the unpaid balance issue, it warranted immediate notifications to credit agences. They refused to reconsider this action. It is unacceptable that a corporation can at their whim damage my credit report with the only recourse that I have is a lawsuit.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (OR)

Good day. My name is XXXX, and I am filing a complaint against US BANK CORP in regards to multiple fees. I opened a US BANK account around XX/XX/XXXX, responding to an internet offer. After an initial deposit to open the bank, I found myself not using the account and did not manage the account for a period time. After receiving a statement saying they were closing the account, I concluded that there was no further action to be taken. Not knowing that a credit card payment had been made due to an auto payment set up, US BANK continued to add on several or more fees knowing that the balance was accumulating over XXXX dollars in the negative. After receiving a letter from a collection agency regarding the US BANK account ( I was unable to login to the account after US BANK had locked up online bank access ) I was shocked to see a balance of {$250.00}. After contacting the collection agency and having them cease and further efforts to collect on the debt, I filed a dispute with the XXXX, and received a statement from US BANK Corp regarding the balance. I disputed their efforts to collect on the balance stating that their numerous weekly overdraft fees, along with a " closing account '' fee of {$30.00} were unacceptable and that I would be willing to pay for the overdraft fee and balance for the payment to my XXXX. What I do not agree with is why banks allow an account to go negative, thus accepting a payment, allowing the balance to go negative and then adding on nearly {$200.00} in fees. It feels like I paid US BANK {$200.00} to open an account for a promotional offer. I replied to their first statement noting the fees and my offer to pay for what I feel is my responsibility, only to receive a second response stating that I was to pay the full amount, and that the record would remain on my XXXX file. No remorse, no empathy for my situation, pretty much that " this is how it is, we hold all the cards, you pay us now ''. I find this unacceptable and for the most part, criminal. I come to you today to assist me in showing these big banks that they can not bully us into paying all these ridiculous fees, a " closing account fee '', really? The further you put somebody in a negative balance the worse an impact it has on their financial situation. I would never even have taken their promo offer if I knew I would be out {$200.00} after XXXX months.
Consumer complaint received 2018-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge PIte Haan, LLP (WI)

In XX/XX/2017, agreed to terms with Aldrige Pite Haan regarding my medical debt. Provided payment information and agreed to payment terms for {$830.00}. After the last payment, I called to confirm that everything was paid, they told me that I was in good standings. 8 months later they file an Affidavit of Noncompliance for the Money Judgement. No communication from them from the last payment to 8 months later. No phone calls, no letters that a payment did not go through, 3 months after the judgement, I receive a letter from them with the affidavit.