davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XXXX for a balance of approximately $ XXXX. Sometime late XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. This XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ 18k. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from XXXX, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I was able to go online and get XXXX of my XXXX credit reports ... with the exception of my Equifax Report ... there has always been problem with them. Either I ca n't get the report or their dispute process links are broken.
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX all improperly report my XXXX credit with only a {$1000.00} credit limit when in fact it is {$4000.00}. They report the proper amount owed but do not reflect the {$4000.00} credit limit. 

Equifax improperly reports my XXXX credit limit as {$2000.00} when it is actually {$3300.00}. They are also several months behind in reporting the correct balance owed, as they show it as {$830.00} instead of {$41.00}. 

Both of these errors lower my credit score, which is important at this time as I am looking toward buying a home. 

Thank you for your assistance in this manner.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

The issue is that Equifax, XXXX, and XXXX have not removed information off of my report that does n't belong to me. I started this process with them in XX/XX/XXXX and it is XX/XX/XXXX. I have been more than patient. At this point I have obtained an attorney to start the process of filing a small claims case against all XXXX bureaus. There is information on my report that does not belong to me and I have stated that every month. At this point the Bureaus have stopped responding to me. This is their final chance to do right, by removing these items off of my report before they are contacted by my attorney. There are also several addresses on my reports that do not belong to me either. 
Attached to this complaint are word documents of each bureau with everything that should not be on there. Addresses included. It is my expectation that they remove the items after I have been disputing these items for 10 months. If not, they are facing a lawsuit.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

XXXX unauthorized inquiries on my credit file. Made my score drop by XXXX points. I submitted a dispute with equifax and they sent back over the results stating that the inquires are factual. I never authorized the companies I disputed permission to pull my credit file. I had a preapproval and only wanted to use XXXX XXXX. I only needed proof of my income and proof of my residence to obtain the vehicle. Why would I go through the hassel of applying to other companies when I had spoken with a lender and had an approval. The dealership did not have my permission to submit no deals on my behalf to any of the companies listed in my inquiries. I explained to them what I wanted and asked if they could not abide by the approval, let me know and I would move on. Each XXXX told me that they could submit my approval with a car and give me the final structure. Then I would get all kinds of emails stating that I had new inquiries. I never signed a credit form and never gave permission to anyone. I am attaching a copy of my preapproval.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MD)

I spoke with Equifax directly on XX/XX/2017 and advised the credit reporting agency that the reported website score was inaccurate. My Equifax score was almost XXXX points higher, per my current creditors, than what was being reported online. My credit scores for XXXX and XXXX are significantly higher than the information reported on the site, even with the discrepancy in the scoring models. XXXX utilizes that XXXX scoring model as well and reported a score over XXXX on all documented creditor/credit reporting sites. Equifax has no explanation for the inaccurate information and offered no remedy during my conversation on XX/XX/2017 with their representative.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

Current Creditor on my file has been denied access to my file due to my Credit Freeze. according to Federal Law any current creditor is allowed access without consumer having to Thaw credit. I called equfax. Employee XXXX in XXXX stated I must first purchase a product before he will Tell me why current creditor was denied. I explained my rights and asked to speak to supervisor. Was only hold 17 min before I hung up. All return calls were answered in XXXX again.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

I 've been asking Equifax to assist me with correcting information on my credit report for more than 4 years. It seems they have some incorrect personal information because I can not be " verified '' using their automated system. 
I 've called, which leads to an automated system that hangs up on me, i 've attempted to use their web service for disputing errors, and i 'm not able to login because i 'm not able to be verified, and i 've written letters, but never received a response to a letter.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I ca n't see what to dispute but i do know someone had access to my social security numberaddress etc.and pulled my credit for loansalso there are names I 've never been associated withplus there are address i have never lived atalso there are bills i have n't charged and do not owe. 
i am unable to access my credit report someone else already has. Even though I had a fraud alert on my creditI am unable to access my social security number to change it because I have a electronic block on it. 
The credit report has not began a investigation as of yet. I have no past or present credit reports.
Consumer complaint received 2017-04-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (NC)

On  X/XX/2017    my roommate reported that I needed to ca ll Citi Cards to pay  my debt. They discussed the details of debt including amounts. I have not given permission to speak to anyone other then myself regarding my debt. They have violated my privacy and put mt in an uncomfortable position.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I have sent disputes to the credit bureaus and they have failed to send me any kind of validation providing me with proof that the accounts actually belong to me. They have violated my right under the fcra to send me proof of all accounts listed on my credit report that were disputed. Instead they add comments to my report that the information meets fcra and when comment are added to my account they each drop my credit score as if they are punishing me for asking for them to send me proof of accounts disputing belonging to m e. Equafax just again dropp ed my credit score because I made on time payments and my balance decreased. I do n't know how this can be legal your credit score should go up when balances decrease not when go down.   I recently disputed late payments from my student loans due to the fact the company knew I was in deferment but claim I never sent paper in when I called to verify it was received over a year ago only to still have them reporting negative information of late payments. When payment history was disputed fed loan only agreed to remove two late payments and when this was updated my credit scores again decreased. Thanks for any help you can give. It is sad that these credit bureaus are getting away with false information and dropping someone 's credit score because they dispute negative information and for paying your bills on time.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX Account name -XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXXXXXX account name-XXXX XXXX  # XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-04-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

back in  XXXX  when I bought my home was a interest only loan for 5 years it was suppose to change to conventional in  XXXX  .i go t a letter from citi mortgage 6 years later that my payment before escrow was going up from  XXXX  to  XXXX  in  XXXX   XXXX  if it would of adjusted when it was suppose too it would of went up to  XXXX  in  XXXX  instead of 2400.i feel something not right.so in 6 years we paid  XXXX  an there only crediting  XXXX  towards the loan
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (CA)

XXXX called my place of employment twice. First was on Friday XX/XX/XXXX and the second was on Monday XX/XX/XXXX. The third time they called me on my cell phone on Monday XX/XX/XXXX Both times there was an automated recording that was left on my work voicemail stating " This massage is intended for XXXX, Im contacting you from the XXXX, I received an order for you, It looks like two charges pending. Now, unfortunately because I am unable to reach by phone, I will be actively pursuing you at your place of employment and your resident. You have the right to contact the client to resolve this matter voluntarily. Understand, when you are located, you forfeit that right. Your case number is XXXX. You can reach the office at COB XXXX. '' They called me again today at work and I finally decided to speak to the person in regards to this matter and why they kept calling my work number. 

The gentleman was completely rude and kept interrupting me every time I spoke. More like, trying to intimidate me. He then asked if I have been served with any type of documents and this debt is from US Bank. 
I tried to tell him that I havent been with US Bank for several years ( XX/XX/XXXX or XX/XX/XXXX ). As I was trying to speak he interrupted me again saying that I was going to served and sued and they will be contacting my employer in regards to this matter if I dont pay them. He continued his threats of suing me and also said that I would be charged with fraud and I 've committed a crime. I could n't take the threats any longer so I hung up the phone.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (NC)

I need to file a formal complaint regarding my XX/XX/XXXX credit card statement from US Bank. I was incorrectly charged interest of {$100.00} on this statement. I had a 0 % purchase transaction balance on this card which expired in XX/XX/2017, which I made a payment of {$8600.00} on XX/XX/XXXX to fully pay off. However, US Bank applied this payment to my 0 % balance transfer balance, which does not expire until XX/XX/XXXX. This is an Unfair and Deceptive Act and Practice. I am requesting that US Bank refund the interest charge of {$100.00} and reinstate the 0 % rate on my balance transfer remaining balance until XX/XX/XXXX. Please call me at XXXX if you have any questions. 
I already tried to resolve this with US Bank by sending them a secure email while logged into my US Bank online account. However, instead of processing the complaint, they sent me the following ridiculous message : " While we look forward to being of service to you, unfortunately, we are unable to match the verification information in your request to what is listed on your account. '' Why would they be unable to verify my information when I was logged into my account to send them the complaint? This seems to me like they are just trying to AVOID processing complaints from their customers.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP (WI)

Creditor Elan Financial pulled XXXX separate hard inquires on my credit account for the same application. I had requested a joint account with my spouse, which I understand would draw XXXX hard credit pull on my account and XXXX hard credit pull on my spouses account. There showing that they pulled an " individual '' and " joint '' request which I did NOT request. I requested a joint account ONLY. There should not be XXXX hard credit pulls on my individual account.
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I have been disputing incorrect information that is reporting on my credit reports. XXXX/equifax/XXXX. I have an acct on there that is a result of identity theft ( XXXX ) and the credit reporting agencies just keep updating the information and keep telling me that it meets the fcra. This is completely ridiciulous as I am being penalized for something I did not do. I also had a XXXX card opened in my name and it has been verified directly with XXXX that this acct was opened fraudulantly. I have been writing letters and making thousands of calls to the credit beaurous to please remove this information off my report and they are doing nothing about it but keep updating the information. This is affecting me in obtaining credit as it is affecting my credit score. I have obtained free legal advise as to what steps I should take in suing the credit beaurous because I have allowed more than enough time for them to investigate this and remove it from my report. This has been going on for months now. I also received letters from equifax telling me I need to be more specific with my complaint. This is ridicilous as well as I ca n't be anymore explanatory. It 's IDENTITY THEFT.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

i never applied for the following inquires i disputed several times and they keep confirming this and its not mind i send over the police report they asked for and there still not removing the following fraudulent inquires that i NEVER authorized or applied for : accion new yorn XX/XX/XXXX credit XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX/XXXX/14, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX logic XXXX logic XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX factual XXXX factual XXXX payment systems XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX trust XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WV)

I had a loan for a motorcycle through XXXX credit company. I received a check from my bank offering to transfer balances at 0 % for a year. I called XXXX and gave the clerk my check number and paid my loan off. The next month I received a statement stating that i owed for two months. I immediately called XXXX and spoke to a supervisor ( XXXX at ext. XXXX ). He apologized for their error on the check for it not going through and no one from XXXX called to tell me. I gave him the check again and it got processed correctly. He stated that XXXX was not showing a late payment due to their. So, my loan is paid in full and I have my title. I got my annual credit report and Equifax is showing that I was two months or more late and my credit score went from 728 to 684. This needs to be taken off my credit report and my credit needs to revert back to where it was. My account number for the loan is as follows:XXXX. Again, the supervisor that i dealt with was XXXX ( not sure on the spelling ) at XXXX. When I called on XX/XX/2017 and spoke to the clerk that answered the phone she reassured me that I was not a day late. I will be patiently waiting for this issue to get resolved. Thank you.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (PA)

I HATE Equifax!! I file for my free credit reports every year for the last 10 years. 
AnnualCreditReport.com is a great one stop place to pull all XXXX and I view, print, and dispute seamlessly with XXXX and XXXX. Equifax always locks me from my report as soon as I answer the identification questions. I answered correctly, I know I did, because I answered the questions from the other XXXX bureaus without issue. So I logon to Equifax.com with my username & password, click Reports, the Credit Report ... blank screen. Call Equifax and they tell me I have to call AnnualCreditReport, ACR tells me to call Equifax. Equifax offers to mail me a copy of my credit report in 10 days and then I can fill out forms to file a dispute - BUT I can do all that online if I pay for a subscription. They know people do n't have time to keep cleaning up their credit & know people will pay for the service so they can clean up their credit in one swing. This " bureau '' is a joke, its a private company controlling the credit of every American citizen without repercussion. If these private business are federally regulated, then I encourage someone from the federal government to monitor Equifax. Try obtaining your report and then calling in when your blocked from doing so.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (UT)

This has been going on for over a year and a half. It has to do with XXXX XXXX XXXX ( XXXX separate accounts ). I contacted XXXX to fix the problem with Equifax , who was still reporting accounts were not paid in full and open that was still open. I wanted to give them a chance to fix the issue. Then to my surprise they made a Key Derogatory on the XXXX accounts to XXXX. 
I am just trying to fix my credit report and XXXX keeps making it worse. I have paid these accounts in full, one of them they put to a lawyers office and put me through a very difficult time, but I did pay them off. I did disputed the with credit reporting agencies about the fact XXXX was not updating my records that I was making monthly payments. I then recieved a letter for XXXX that they would not respond to any other disputes about any of my accounts. I can continue to look for that letter and the letter from the lawyer that the other account was paid in full, but on my credit report it shows that account has a XXXX balance, but with Equifax it is not closed. 
I would like to see some kind of justice happen. I want my report to reflect the truth.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

ok I have been trying to to dispute inaccuracies on my credit report and have had no luck with equifax the accounts that i issues with is XXXX is XXXX communications it is on my file twice i only have XXXX account and i cant get frontier to help and equifax claims that frontier is validating accounts over phone when i have request proof in writing i get nowhere acount has been paid but payments are inaccurate and i ld like account removed from credit file XXXX is a duplicate and still shows balance also XXXX tax leans with the state of michigan has been released and they refuse to update XXXX is a duplicate but i cant get the treasury to help but i would at least like to get update to say paid and satisfied