davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

My HELOC with XXXX Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years XXXX last six months of statements are enclosed ). In XXXX I filed a complaint against XXXX Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for XXXX Bank dated XXXX/XXXX/XXXX XXXX letter enclosed ) saying that they would take care of it. I disputed this response because although XXXX Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted XXXX Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with XXXX, a division of XXXX Bank XXXX. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX XXXX letter enclosed ). The HELOC was then transferred back to XXXX XXXX effected XXXX/XXXX/XXXX XXXX letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that XXXX XXXX was now XXXX Bank XXXX letter enclosed XXXX. 

ACTION NEEDEDThis HELOC with XXXX Bank should be reported as open with a 10 year credit history. 

Under XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : XXXX 1 XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in XXXX XXXX XXXX for violation of my rights under the FCRA naming XXXX Bank, and the XXXX credit bureaus.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (PA)

I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : 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 AND XXXX XXXX XXXX ( XXXX ) i would like them removed from my credit file
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

MY wife was late with a monthly payment in XXXX and XX/XX/XXXX. XXXX times the department store " XXXX '' added appropiate late fee and included interest with original balance and with additional late fee. In XX/XX/XXXX and XX/XX/XXXX my wife did pay the balance if the " XXXX XXXX credit card payment due. However XXXX XXXX did report my wife with a delquant payment to all XXXX credit reporting agencies for both XXXX and XX/XX/XXXX. In XX/XX/XXXX my wife and I started a application for refinace our home for the hopes of a 30 year 4 % rate but, due to the late payment and XXXX XXXX reporting XXXX the late payments to all credit reporting agencies brought my wife credit score down which kept us from achieving the top tier rate of 4 % but got a 4.25 %. My wife called the department store " XXXX XXXX '' explained that she was late but did pay in full the balance interest and late fee for both months but the department store was unwilling to remove the report they made once again even though my wife made full resituition for the credit card amount due. The department store XXXX XXXX credit card divisionwere perhaps well within their legal right anc correct in doing so but my wife did make full payment did not welch or file bankruptcy and welch on the amount due rather she payed it with fee, interest and balance. I guesss there is No law or rule against poor bussiness practice.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

I need immediate assistance please. I 've proven to Equifax numerous times that they 're reporting " unknown medical collections '' on my credit file. They have come back and stated these items are " verified '' although they have no idenifiers. How can they verify something in which they have no information to validate? Why have n't they corrected, removed or sent me the actual information that pertains to these accounts? I do know that everything on my credit file must be accurate, complete and correct. These are not any XXXX of those. I 've also received letters stating that every single XXXX of the accounts that I have disputed with them are verified. I would like to see the proof of ownership because I do n't even think that some of these accounts are mine! I 've asked for the physical documentation that verifies the ownership to no avail. I know my rights and I 'm positive after reading lawsuits and the FCRA that the bureaus are required to have the actual documentation prior to reporting these accounts. In consideration of the fact they are saying these items are " verified '', and they are required to have these docs, there should be no problem sending to me! I understand that the bureaus are paid to report accounts, and therefore, have no incentive to remove any of them. I also know that federal law states that everything on my credit file is required to be accurate and correct. Another issue I have is that XXXX of the accounts was removed and then reinserted later without any notification as required under section XXXX! I do know that because there was no notification, they are required to remove it once again. Please see the letter that I have attached which reflects the information that I am disputing.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have notified Equifax that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Equifax have not removed these accounts and inquiries within the last 16 months from my credit file. The Release Tax Lien is not mine because I never had a Tax Lien
Consumer complaint received 2015-05-11
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Penn Credit Corporation (PA)

Penn Credit XXXX XXXX XXXX XXXX XXXX, Pa. XXXX Ph. # XXXX, has been calling me about a medical debt they say I owe. On XXXX/XXXX/15 I sent them a debt validation letter requesting proof of debt, I also requested in the certified letter that they no longer make phone calls to my home, work, cell, or any third party. Penn Credit received and signed for the certified letter on XX/XX/2015.Now my XXXX year old mother is receiving phone calls from them looking for me. Penn Credit has all my information and their is no need to call anyone else. She received these calls beginning XXXX/XXXX/15, over 40 days after they received my letter. The certified letter number is XXXX XXXX XXXX XXXX XXXX. When I called Penn Credit I was hung up on by one of their associates after I was told it was MY JOB to call the original creditor to dispute the charge NOT THEIRS.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I received notification that one of my credit cards were over-utilized and Experian dropped my score by about XXXX points. It was in fact my son 's credit card and Experian put that on my profile. After disputing it, Experian deleted it but never put the points back. I called them on numerous times and every time was disconnected by Experian when requesting to speak to a supervisor. Also found numerous phone numbers and even employer names that do not belong to me.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I mailed a second dispute letter and proof of payment ( a copy of my money order ) to Experian on XXXX XXXX, 2017 for the collection reported from XXXX XXXX XXXX. Acct # XXXX for a balance of {$310.00}. I advised that I paid the apartment complex directly and found a copy of the money order that I gave to the manager and she cashed it. I was a previous employee at the apartment complex and the manager did not notify of the balance per lease contract within 15 days. She mailed it out over 30 days later. Once I received it, I paid it. Experian sent a letter today, XXXX XXXX that it is reporting correctly and it is not. In fact, I submitted the same to another credit bureau, they investigated, and deleted this item. It should not be reporting on my Experian credit report.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have a XXXX XXXX XXXX XXXX dispute on credit report. This was ID theft. I sent bank and credit reporting company a copy of sworn statement. I sent this statement prior to this being posted to my report and it was still posted by bank. I should not be held responsible for something I did not do.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

I have tried to reach out to Experian to ask them why my credit score for utilities ( XXXX ) is so different from my primary credit report ( around XXXX ) ; I have n't been able to get through their systems, as their phone is useless ( XXXX ) and they require a report number on their site -- a report about my credit on utilities, that I do not have. As a result of this report, ( and I only found out through a letter from the utility company ), I was asked for a deposit for my energy bill, and due to this and additional other issues, my power was turned off without warning. -I 've paid my bills consistently for the last 5 years, so I did n't understand where this was coming from ; my previous energy company issued a very positive letter of credit to the new company. 

I would like to know : 1. Why there is a drastic difference between the XXXX? 
2. What items are on that report that are bringing it down? 
3. A copy of my 'utilities credit ' report. 
4. Information on how to challenge anything on said report. 
5. A contact phone number or email that actually works
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

Experian has been reporting a secret consumer file used to provide leasing reports to various companies. Reports that I have never received attached to my credit file and also reports that they will not disclose to myself. As I am a victim of identity theft by a property manager who assumed and attempted to use my name after finding it was clear and free of any criminal activity, and when told that she could n't, she tried to send a bill to me two years later in the name of the person that committed identity theft prior to her that I filed charges on. I have since tried to contact Experian, and they will not furnish the report. They have blocked me from access to my file requesting that I mail a request, and releasing it to others with a click of a button, with fraudulent accounts and reports and court filings. I have asked Experian not to add, inquiries, collections, or anything pertaining to my file unless it is Legally verified. I request that Experian Unblock my file to myself, so that I may see what they have been reporting pertaining to me, and my information. It is someone that works within the Experian Corporation giving access to my information, while blocking myself from seeing what they are disclosing.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

As of XXXX XXXX, 2016, I have now submitted on three different occasions, XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, 2016 disputed information to Experian Credit Monitoring Services regarding incorrect personal informatin on my credit report. The fact that my disputes and requests for correction never get addressed and I 'm never even notified by any party on the outcome, if there is an issue ( s ), if there 's a need for additional information, or of anything, I 'm continuing to have to submit disputes to Experian Credit Monitoring Services regarding correction of my personal information. The fact that each time nothing gets corrected, raises significant question regarding the overall reliability, integrity and validity of Experian Credit Monitoring Services of doing any part of their job in investigating and correcting and responding to my inquiries, disputes, and requests. A copy of this complaint is being forwarded to other governing agencies, one of which will include the Office of Inspector General, Federal Reserve. 

On XXXX XXXX, 2016, I submitted an online dispute notification to Experian Credit Monitoring Services, but nothing was ever corrected regarding my dispute of personal information. 
On XXXX XXXX, 2016, I called Experian Credit Monitoring Services and spoke with a representative who identified herself as XXXX and she indicated she was on " Team XXXX ''. XXXX stated she would correct all of my personal information in which I had originally disputed on XXXX XXXX, 2016. We went through each item line by line. 

On XXXX XXXX, 2016, upon reviewing my credit report once again from Experian Credit Monitoring Services, my report is still showing the incorrect personal information that was supposed to have been corrected upon online submission of my dispute and correction request on XXXX XXXX, 2016, and upon my subsequent follow up verbal telephone call on XXXX XXXX, 2016 to Experian Credit Monitoring Services which entailed a verbal discussion with representative, XXXX, who stated over the telephone on XXXX XXXX, 2016 that the personal information has been corrected.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

I have written and contacted Experian so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.
Consumer complaint received 2021-10-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (SC)

I opened a Citi XXXX XXXX savings account on XX/XX/21 after I was solicited by Citi to open the account due to being approved for an XXXX XXXX XXXX XXXX XXXX credit card. Per the solicitation, I was supposed to receive XXXX XXXX XXXX XXXX miles in exchange for depositing {$200000.00} dollars into the Citi XXXX XXXX savings account. The miles were supposed to be deposited 90 days after the funds were received. My {$200000.00} deposit posted two days after I opened the account. Citi repeatedly tells me that the miles will be posted soon but they continue to not to fulfill their obligation even though it has been almost 2 months since I fulfilled mine. Between this issue and Citi having withdrawal limits that almost make it impossible to gain access to your funds, the entire experience has been unacceptable.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with XXXX, Equifax, and XXXX. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remained on my credit report, but I do not have a reason why the account remains when XXXX shows I do not owe them and the balance was resolved. XXXX die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

In 2014 I disputed directly with the Creditor XXXX XXXX XXXX XXXX XXXX an account that was reporting derogatory to the XXXX credit agencies. During this time XXXX VP of Operations sent me a letter stating that the account had been corrected. XXXX and XXXX did in fact correct my account to reflect my accounts as paying on time and current. However, Equifax has not. I have submitted numerous disputes and Equifax has not corrected the issue. The reasoning on the disputes states that the information has been verified with the creditor. Even after I have notified them and submitted the letter from XXXX XXXX XXXX they refuse to correct this. I have also contacted XXXX directly and they stated that Equifax has not reached out to them. I would like this matter resolved immediately as possible as this is affecting my score.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my husbands late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, XXXX times and they still refuse to fix it.
Consumer complaint received 2015-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I also have issues with XXXX XXXX bank where there was settlement in agreement they remove there information from my credit reporting. That was purpose of doing settlement since they had wrong information and I never miss any payments. The XXXX Bank smart connect have me down highest balance XXXX that 's incorrect its a lesser balance XXXX. My credit score did n't go up since made my last payment to XXXX smart connect. Im trying to get my credit score credit should be showing much higher score XXXX. I would like Department Education to be remove off my credit report because past statue limitation that can be shown on my account thank you.
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Seterus Inc. has told us that our loan is a XXXX loan, and that their company ONLY services XXXX loans. I have proof attached that this is NOT a XXXX loan FROM XXXX. My loan needs to be returned to XXXX as Seterus falsely purchased it as a XXXX loan, as it is NOT a XXXX loan. Certified letters to Seterus and faxes have gone unanswered and ignored for months. Seterus has a terrible reputation and I do n't want to deal with this company, in particular since they have no business owning my loan.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OR)

I have put in disputes through the credit bureau, as well as, sent validation letters to XXXX. This is a false debt that the company is trying to collect on. I did not recieve any response from XXXX in response to the validate or delete letter I have sent. I have also have not received sufficient evidence from the credit bureau that they indeed had the creditor themselves validate or delete the false account.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MO)

Equifax is currently reporting XXXX charged-off accounts from XXXX that are grossly incorrect. I contacted XXXX via phone some months ago to obtain account numbers to investigate these accounts. They were unable to provide them. I filed an online dispute with Equifax and they were incorrectly " verified ''. Equifax is being grossly negligent in reporting these accounts and is causing a great hardship.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I talked with this company directly about 2-3years ago and paid this debt in full. I think that maybe they did n't report it. I have had problems with this company before. ... .didnt know i had an unpaid balance with them because it was a payroll deduction. ... either way I settled this debt!!!!