davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TN)

I have had nothing but denials from Eqifax , Inc. attempting to dispute credit information on their dispute website. Each time I try to identify myself, on their automated system, it will ask ridiculous questions regarding credit information. I answer the questions correctly. Each time it indicates it can not " identify me ''. Here is an excerpt from their page. 
" Great! We 've found your fileNow we just need to verify you are accessing your own file. The following questions are based on information on your file, and only you should know the answers to them. 
1. Your credit file indicates you may have an auto loan/lease, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX XXXX OF THE ABOVE2. What is the total monthly payment for the above-referenced account? 
{$800.00} - {$840.00} {$850.00} - {$890.00} {$900.00} - {$940.00} {$950.00} - $ XXXXNONE OF THE ABOVE3. Your credit file indicates you may have an installment account ( personal loans, electronic/appliance accounts, jeweler accounts, auto loans, etc. ), opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX OF THE ABOVE4. What is the total monthly payment for the above-referenced account? 
{$750.00} - {$790.00} {$800.00} - {$840.00} {$850.00} - {$890.00} {$900.00} - $ XXXXNONE OF THE ABOVE '' I answer all of the questions correctly. I have gone through this process XXXX separate times. 
Each time I get the following message : '' The information you provided does not match our records so we are unable to process your request online. " " Please FAX your dispute and a copy of your driver 's license to XXXX XXXX. " Equifax HAS this information ON FILE. This was completed several months ago. It was explained to me it would never happen again. They admitted they had transposed my social security number. Equifax should be held accountable for their egregious business practices. Any assistance with this matter would be greatly appreciated.
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

XX/XX/XXXX I made arrangements with XXXX that I would make smaller monthly payments due to financial strain and could not make the enormous monthly payments that they requested but I would make my payments, on time every month ( which I did ). I was surprised to learn that XXXX turned my account over to a collection agency ( XXXX XXXX ) who demanded the balance be paid in full. I spoke with a representative from XXXX and she stated I could make monthly payments which I did. I was later notified by XXXX that the balance needed to be paid in full or it would reflect negative on my credit report. I sent a check for the remaining balance and the account was closed in late XX/XX/XXXX. I recently checked my credit report and discovered that my credit rating dropped from the XXXX 's down to XXXX. I do n't understand why this account was ever turned over to a collection agency when I was making monthly payments on time. I am requesting that this be investigated and removed from my credit report. The status on the collection charge shows ... Status- " Paid, closed ''. Why am I being punished for an account that was being paid ( on time ) and now reflects my credit report as " negative ''?
Consumer complaint received 2015-05-22
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I purchased a pair of XXXX XXXX boots from XXXX XXXX XXXX through Paypal on XXXX/XXXX/15. The boots were {$550.00} plus a {$25.00} shipping fee but I never received the item.
Consumer complaint received 2016-11-09
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CT)

I used Paypal to purchase XXXX from XXXX. XXXX never sent the XXXX I purchased. I contact Paypal to open a dispute. Paypal reviewed the case and denied my claim and did not allow me to appeal their decision. When I paid for the XXXX purchase it was paid as a good purchased but Paypal processed the transaction as a money transfer.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

there are XXXX accounts that are being reported incorrectly and have been under investigation for over 90 days XXXX bank account # XXXX says under investigation for over 90 days federal bankruptcy account number XXXX says under investigation for over 90 days
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MS)

I have contacted the courts and they stated the removal of all these bankruptcies case # XXXX. They are all reported on XXXX credit reporting agency and that is Equifax. That is strange to me when the courts stated they deleted them from all XXXX credit reporting agencies. Equifax has broken the law because I have evidence they were removed from all XXXX of the credit reporting agency last year.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AL)

I submitted my dispute to Equifax and they stated they would not investigate it. I then get a letter requesting information I had provided previously. They still have yet to initiate the dispute which was submitted on XXXX XXXX. It has now been XXXX days they have only XXXX left to complete the dispute.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

EQUIFAX CONTINUES TO NOT FOLLOW THE GUIDELINES SET FORTH BY THE FEDERAL GOVERNMENT IN ACCORDANCE HOW INFORMATION IS REPORTED UNDER THE FCRA/FDCPA/NCFDCPA/ DODD FRANK ACT. EQUIFAX STATED ON XXXX DIFFERENT DISPUTES WITH XXXX XXXX XXXX XXXX STATING THAT THE INFORMATION BELONGED TO MY CONSUMER CREDIT FILE AND ALL INFORMATION WAS VERFIED AS MY ORIGINAL DISPUTE STATED THAT THE INFORMATION WAS NOT BELONGING TO ME. IN XXXX XXXX THE FEDERAL TRADE COMMISION SENT FORWARDED DOCUMENTS TO EQUIFAX FRAUD DEPT TO HAVE THEM REMOVE ANY INQUIRIES AND ACCOUNT INFORMATION FROM REPORTING TO MY FILE FOR FRAUDLENT ACTIVITY AND VIOLATIONS UNDER FCRA. THE INFORMATION WAS REMOVED AND XXXX REPORTED BACK TO MY FILE XX/XX/XXXX. ON XXXX XXXX XXXX LOCAL LAW ENFORCEMENT LAUNCHED AN INVESTIGATION AT THE LOCAL BRANCH AFTER RECIEVING INFORMATION THAT THE ACCOUNTS THAT ARE ON MY CREDIT FILE ARE NOT THE ACCOUNTS THAT ARE IN XXXX XXXX CR REPORTING SYSTEM. AFTER SEVERAL INTERVIEWS AND STATEMENTS FROM XXXX XXXX EMPLOYEES EVEN IN THERE COLLECTION DEPT THE ACCOUNT NUMBERS ON MY CREDIT REPORT ARE NOT IN THERE SYSTEM. LAW ENFORCEMENT FILED A CRIMINAL REPORT AGAINST XXXX XXXX FOR COMMITING FRAUD BY WIRE AND COMPUTER CRIMES OF IDENTITY THEFT. IF EQUIFAX HAD DONE AN INVESTIGATION AND VERFIED THE ACCOUNTS AFTER EQUIFAX STATED IT DID ON SEVERAL OCCASIONS THEY WOULD HAD SEEN THAT THE ACCOUNT NUMBERS DID N'T BELONG TO ME. ALSO ON SEVERAL PHONE CONVERSATIONS WITH XXXX XXXX WHICH SHE STATED SHE PERSONALLY VERIFIED. ITS CLEAR TO SEE THAT SHE DIDNT DO SO AS IF SHE DID IT WOULD NOT HAD BEEN VERIFIED AS BEING CORRECT THIS SHOWS BY PREPONDERANCE OF EVIDENCE THAT WHAT WAS BEING TOLD TO ME WAS BLATANTLY UNTRUE AND A DIRECT CASE OF WHAT I HAVE BEEN TELLING REGULATORY AGENCIES THIS ENTIRE TIME THAT IT HAS NOT BEEN ANY PROPER INVESTIGATIONS OR EVEN REASONABLE ONES. EVERY TIME THAT I ASKED HER TO GIVE THESE CREDITORS A CALLED AS THE INFORMATION WAS CONFLICTING I WAS TOLD BY XXXX XXXX XXXX THAT SHE WILL NOT TAKE THE TIME TO CALL THEM TO GET THE CORRECT INFORMATION. WHICH I COULDNT UNDERSTAND SINCE THE REGULAR AVENUES OF EQUIFAX COULDNT ASSIST AT THE TIME. AND SHE HAD ALL THE RESOURCES TO RECTIFY THE PROBLEM. I INCLUDED A COPY OF THE INVESTIGATION RESULTS SENT TO ME ON XXXX/XXXX/XXXX OUTLINED IN PINK TO SHOW THOSE ACCOUNTS.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. ()

I have been trying to get my credit information for 4 day in a row. I have been on every site and even called customer service who told me to go one the sites and try again so I did .. but the same information came up .. can not authenticate .. so my wife tried to get hers and it said the same thing.. I talked to customer service again .. having a hard time understanding them and asked them why do n't they have access to any of my information and they said they were not equipted .. I think that it is very stupid to have a customer service department that can only advice a person to do the very thing that they were doing in the first place..I think that it is very bad practice by those companies that tells people they can get their credit information on line for free .. it is a false statement or in my own words a bunch of XXXX.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

An account on my file is reporting inaccurately and Equifax has refused to properly investigate this or do any proper investigation. XXXX XXXX XXXX # XXXX is reporting incorrect status ', dates and balances. It is not correct and I have contacted the furnishers and they have informed me that no one from Equifax has called to conduct an investigation. I have repeatedly asked them to verify this account and show me why it is on my file in such a derogatory manner and they refuse to speak to me, give me absolutely any investigation results and paper work and they have not transferred any of the paper work i have submitted to the data furnishers on my behalf, which would have exonerated me. this account is inaccurately reporting and showing as open and it is badly affecting my life.
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (FL)

BARCLAY BANK issued a XXXX XXXX credit card to me and within a few months I received several unauthorized charges. Many calls were made to correct this over a few months. Reassurances were made by many representatives that the charges would be corrected and the account was closed for safety purposes. Yet the charges continued and the calls to Barclays continued. The last correction was for {$49.00}. Two months later I received an email for a late balance all regarding this {$49.00} and interest and multiple late fees. A bill that I was guaranteed had been removed after several more calls. I am refusing to pay this bill and I am not receiving any satisfaction from BARCLAYS BANK to correct this problem. How does a person protect themselves from these issues? This card balance should be XXXX. However ...
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

EQUIFAX employees/resolution supervisor " XXXX '' Id # XXXX informed me along with other reps. that EQUIFAX will not and does not comply to federal rules/regulations and laws pertaining to the Fair Credit Report Act under Section 609 ( A ). In which in my case would suffice as proof and verification that debt is being reported inaccurate on my report. Currently creditors- XXXX acc # XXXX. I requested that EQUIFAX per the FCRA 609 verify through physical verification of the original signed certified consumer contract of any the account. In addition I supported a paid in full letter from the collection agency that collects for XXXXXXXX ( the creditor ) has advised me that they have incorrect information reporting on my file due to a glitch in their system that interchanges data with the credit bureau EQUIFAX system. Therefore in accurate information continues to reports until they can fix the issue etc. However Equifax refusal to verify this information physically would clear the issue up but EQUIFAX is stating they only verify electronically and they are not require to verify the information physically nor comply with the FCRA SECTION 609 law per my right as the consumer .They are stating the in accurate information via electronic interchange is correct ( when its not ). I am asking that EQUIFAX comply with this LAW per my written request dated XX/XX/2017 but denied XX/XX/2017 per documents attached .I am requesting that EQUIFAX request for the accurate information to report and comply with the lase, in the case information not reported to please delete from my credit report as the law complies. In addition XXXX needs to comply and provide correct reporting information to the EQUIFAX as well or EQUIFAX must removed it from my report completely. The response EQUIFAX provided me with is not physical verification of the debt amount due to XXXX has communicated that the information via electronic is a glitch. Therefore physical documentation is needed at this time in order to accurately report this information in which EQUIFAX refuses to comply with.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NV)

Equifax is reporting a number of outdated and erroneous accounts on my credit file. I notified them of the errors and they completely ignored my request to verify the timeliness of specific accounts which, had Equifax actually conducted an investigation and done their due diligence, they would know that these accounts are being reported in violation section 611 of the FCRA. 

First of all, there is a XXXX XXXX XXXX account which not only is missing information : Scheduled payment amount -- blank, Date of last activity -- blank, XXXX months in 2015 " no data available '' -- I believe it was in one of these months that I paid the balance off on this, I do n't have the records anymore because it 's over a year ago and I do n't hold on bank statements and receipts once I 've filed my taxes for that year, I get rid of it ), and has confusing information : Date of XXXX delinquency : XXXX, Date of Delinquency XXXX reported : XXXX -- what took them so long to report?. And most damaging to my credit score is what information they are reporting is DEMONSTRABLY and BLATANLTY FALSE. It says my credit limit was ZERO for this card. Really? Zero? Then how did I rack up a bill of almost {$9000.00}. If you 're saying that my credit limit was zero, then essentially, you 're saying that the entire balance of that card was accrued without my understanding and knowledge, because according to you, I had a credit line of ZERO on this card, and therefore did n't expect it ever to reach a balance of {$8000.00}. 

This account 's information is far to corrupted to be considered reliable by any reasonable standard and I demand that Equifax remove this account from my credit file immediately, or I shall pursue further action in addition to filing this complaint. Thank you.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

I disputed the response from Equifax on my first complaint ( # XXXX ). I requested that my personal information be corrected and the formerly known as and addresses be deleted because it is crossing information on my credit report. If you review my case, you will see I submitted my request on XX/XX/2016, Equifax response, and my proof of identification. Their response did not have anything to do with my complaint, and now I am requesting another complaint against them improperly updating my personal information. Since then, I did receive another letter from them updating my legal name but still have me incorrectly formally known as and previous addresses still incorrect. I have attached the new case number and proof of them still not correcting my information.
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

On XXXX/XXXX/XXXX Equifax issued the results of my dispute concerning erroneous information reported in my credit file. My report was updated as a result. Today I discovered that the false information had been re-inserted in the file, a fact I only learned because I received a letter from XXXX ( my credit card company ), advising me that as a result of reviewing my credit report with Equifax they took advserse action as to my standing and reduced my credit line ( essentially down to the existing balance amount ). Equifax acted illegally because I was not provided 5 days notice of the re-insertion ( which they have also failed to do in the past ) and because the information is false. The XXXX account in question was forgiven in XXXX and reported to the IRS on a XXXX as income to me as a result. It appears that the account has once again been re-aged for purposes of updating the negative reporting ( shows XXXX ) which is also illegal. Moreover, the law states that if the account can not be verified it must be deleted, which Equifax appears unwilling to do as it is required. I am attaching the following documentation : 1 ) the entry of XXXX in my report as it is showing today, 2 ) the XXXX from the XXXX forgiveness, 3 ) the XXXX/XXXX/XXXX Equifax dispute results, 4 ) the entry of the XXXX account on my credit report as of the XXXX/XXXX/XXXX dispute results and 5 ) the list of creditors, from my report as of today, which have done an account review when the false information was included in my report and depressing my credit score ( this include XXXX 's which too adverse action and XXXX ).
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

I had investigate XXXX XXXX XXXX XXXX credit card. After 30 days of this creditor being investigated through Equifax the item was deleted. I just check my credit reports through XXXX XXXX and it 's showing New Accounts Reported Since your last update on XX/XX/XXXX, XXXX accounts have been added to your credit report. 

AccountTypeDate OpenedCredit LimitBalanceReported ByXXXX XXXX XXXX XXXX XX/XX/XXXX {$25000.00} $ XXXXEquifaxXXXX/XXXXCredit CardXXXXN/A $ XXXXEquifax These accounts were deleted!! #
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

XXXX XXXX Collection account should be removed from my credit report as this should never have been sent collections, as it was paid by XXXX XXXX XXXX XXXX back in 2013 and the amount of the bill was {$280.00} not {$410.00} as XXXX XXXX is claiming
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, my wife and I sent a request to Equifax, asking them to investigate errors on our credit report. My wife received a timely response to the request, but Equifax has not sent me the results of my investigations. It has been 45 days already, and I have yet to receive any word from Equifax regarding my investigation results.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

Equifax continues to list the dismissed my Chapter XXXX bankruptcy that was dismissed in XX/XX/XXXX as confirmed within my credit file. XXXX and XXXX removed the Chapter XXXX from my credit report in XX/XX/XXXX, 7 years from dismissal date. I called Equifax 's customer service and spoke with two different associates located in XXXX. They explained that their policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years in keeping with the Fair Credit Reporting Act. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I want this bankruptcy removed from my Equifax credit report as I am being denied credit and paying higher interest rates on credit cards and car insurance.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

Equifax XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police reportI 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as followsXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX RECOVERY Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2018-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (IL)

Hi, do you know that XXXX has this practice? I overpaid my XXXX credit card, they gave me a check for the refund, XXXX out my credit card that I dont owe them anything anymore, I presented the check to the bank after a month and they said that the check is expired! Checks dont expire after a month, I havent use my XXXX credit card and worse part my bank charged me {$25.00} for presenting an expired check. You know what XXXX did? They requested for my bank statement! Wow!! For all the inconvenience I got, they question my {$25.00} and the {$34.00} that Im out. Its quite a sneaky practice! Please help us, thats sneaky! 

This happened to me today. They will be giving me back my {$34.00} but isnt that practice sneaky?!?! Who cancels a check after 1 month just because it was not presented?!?! 

Please help. Thank you.