davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Credit Report score was not adjusted to represent items removed from credit report. In the XXXX XXXX I had XXXX negative accounts on my credit report and a score of XXXX. This XXXX XXXX XXXX accounts were removed and my score went up to XXXX. Several of the accounts removed were charged offs and foreclosures and my score only improved XXXX points. It appears that XXXX is not taking into account the delinquency reason/severity, such as removal of charge offs and judgements, in their calculations. Also, several companies that have negative information on my credit report do not properly reported the delinquency history of the account making it difficult to dispute an account. XXXX of the accounts is XXXX XXXX XXXX, which reported the account delinquent in the year XXXX. The account was opened in the XXXX XXXX. But no History appears for that year. Experian only allows to dispute an account once. After that XXXX time dispute the company makes it very difficult to dispute items. Experian does not have a contact email to write to them directly making it difficult to contact them. Phone calls are not the best method to contact a company since there is no paper trail to connect the customer with Experian.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (WA)

On XXXX XXXX 2015, I submitted a dispute sheet to Experian with several items of disputes. On XXXX XXXX 2015, I received a letter from Experian claiming that they have determined that my disputes were not sent by me. The disputes have been tagged as " suspicious '' and " fraudulent ''. They furthermore claimed that they will not be initiating any further disputes based upon what they have determined as suspicious correspondence in regards to my initial disputes. The Experian letter disclosed a phone number to discuss the problem with a representative. I called Experian and spoke with a representative. This person echoed the verbiage in the letter that was sent to me and would not remove the red flag, thus denying me investigation of my disputes. The representative insisted that I give the dispute information over the phone. I refused to do so because I want a paper trail of my disputes. Subsequently, before I received the denial letter from the 1st disputes, I sent a 2nd dispute sheet on XXXX XXXX, 2015. According to Experian, any subsequent disputes will be discarded. I am attempting to improve my credit score. Several years ago, I was a victim of ID theft. There was a report filed with the XXXX XXXX Sheriffs. Since then I 've seen items that I 'm not familiar with, therefore I 'm exercising my right to dispute those items that I 'm not familiar with. Please enforce Experian to honor my disputes and investigate.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AZ)

When a corporation, bank or any institute checks on a credit rating, and then denies one because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past XXXX years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. XXXX XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the USA will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the American people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

my credit score has been XXXX for over a year and the past 7 months nothing has changed dramatically to warrant a NEW SCORE OF XXXX? Are you really doing this to me Experian? I am a member that looks and updates my report daily so this significant drop in my score needs to be explained .... NOTNING NEGATIVE HAS BEEN ADDED TO MY REPORT SO WHATS GOING ON WITH MY NEW SCORE THAT HAS DROPPED ME TO A MEDIUM RISK FROM A LOW RISK TO LENDERS AND WILL AFFECT MY LIFE IN A BAD WAY ... .I DONT DESRVE THIS XXXX ... ..
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

Have put XXXX on even after power and utilities commission told them to take off Then put att back on and refuse to take off even thou its thru another company that is not original debiter they have refused for 4 years to take of lates of XXXX/XXXX/XXXX / XXXX and XXXX late payments even thu i have sent them all documents proof many times over they show my student loan twice and that it is not paid off XXXX owed they show half of credit limits and have XXXX limits and XXXX balance they XXXX limit and up to XXXX balance that they need to send all companies over the last 4 years new credit reports with an apology to me and company for not complying to federal and state regulations. 
That they have had information and letters rom fed and state agencies sent to them many times over and they take off then put right back on when they no better and have cost me XXXX in time copies certified mail and countless complaints over and over for the same thing for years Consent to publish the description of what happened? Consent not provided Supporting documents
Consumer complaint received 2017-01-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

US Bank XXXX, CA branch manager has frozen my business & personal bank accounts due to a personal vendetta against me. My accounts have been frozen for three months. I have reached out to the bank but received no response as to why my account was frozen or when my funds will be released.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

Experian are willfully reporting inaccurate information on my credit report Acct XXXX # XXXX XXXX # XXXX I disputed XXXX accounts they were showing open and delinquent past due. After the dispute it now states zero balance and closed. I Also disputed with XXXX and they removed /Deleted off of my credit report. All XXXX Credit bureau 's need to report the same information but Experian Has not Remove/ deleted the item.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NE)

My husband had me listed as an authorized user on his XXXX XXXX card for a couple of months and I asked to be removed from it, as I did not apply or ask for it. XXXX XXXX and Experian have both refused to remove the history of the account from my Experian Credit Report, thus causing irreparable damage to my ability to apply for a specific credit card, due to too many new accounts being reported. In addition, the card is erroneously listed as being opened on XXXX XXXX. XXXX, but was actually opened back in XXXX XXXX.
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a judgment on my credit report from XXXX/XXXX. It is saying unpaid but I finished paying in full of XX/XX/2015. I was told multiple times by XXXX that it would be updated but it has not.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2016-01-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (TX)

1.I am a XXXX year old vet. Single Mom. Went through XXXX. used up all savings. Federal student loans were expunged. Survived thanks to V.A. : but got behind on my XXXX loan. 

2. I filed a bankrupcy to save my home from foreclosure. 
3. Paid XXXX {$10000.00}. 
4. Finish bankruptcy successfully. 
5. XX/XX/XXXX loan was sold by XXXX to Residential Credit Services Inc.This is where XXXX starts. 
In XXXX 2015 they stopped sending paper statements. I told them I had to have a paper statement to see how my loan was doing. I am XXXX now and have XXXX -- sometimes do n't have internet connection. 
They refused saying : " we do n't send statements to you bankruptcy folks anymore. '' NOW : XXXX XXXX CALLED FROM RCS LOSS PREVENTION : he called me and demanded {$6000.00}. 
I said : how can that be? I paid all the arrears in bankruptcy. After than period, I have n't missed a payment. '' He said : " Oh, this happens to lots of folks. They have n't really paid enough in the bankruptcy. That 's why there still money owed. I suggest you try a loan modification. or pay it all right now. We 'll start foreclosing if you do n't. '' Later, when I called RCS to see if a scammer had called me, they seemed genuinely confused. It says here you owe {$6000.00}. said XXXX. " Fax us all the info you have : the bankruptcy papers, the Money order receipts, a letter carefulling detailing everything. We 'll look at it an figure everything out. '' I had all these things, ( including a mortgage analysis which was worthless. ) I have hundreds of papers.Also, the attorney who originally filed the bankruptcy, XXXX XXXX XXXX. in XXXX XXXX. 
" You mean -- I have to PROVE I 'm NOT IN ARREARS? '' " Yes. '' " Meantime, you might have foreclosed by the time it 's all straight. ' " yes. your attorney can fax the info. ' I realized right then : They did n't know or have my mortgage information. 
My hair stood straight up. they wanted it from me because theirs was messed up. 
Meantime, I might loose my house.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA (CA)

My bank, Union Bank was supposed to have paid a check in the amount of {$710.00} in XXXX to First Bankcard, my credit card company which will be taken over by Union Bank in about a month. I had to open a new checking account because I was burglarized and my checking information may have been compromised. Union Bank did not honor the check. I made a second payment via phone to First Bankcard in the amount of {$720.00} on XXXX XXXX, that included a {$10.00} service fee. I received a letter from Union Bank on XXXX XXXX stating that my check did not go through again. I paid {$890.00} on XXXX XXXX ( {$710.00} plus {$160.00} for the second month 's bill and another {$10.00} service fee ). 
My Union Bank statement shows that on XXXX XXXX, {$720.00} was taken out and on XXXX XXXX, {$890.00} was taken out. In essence I paid twice for the {$710.00} bill from First Bankcard. When ever I call First Bankcard, I am told that they show a credit on their end but can not tell me why I do n't see one on my statement. The assistant manager at Union Bank who was supposedly working on resolving this issue is not responding to my email or phone calls. She was the one who made the mistake of not honoring my check when I requested it twice, in person at the bank branch and later that day, in an e-mail on XXXX XXXX. 
First Bankcard states that I may or may not see a credit in 5-7 days. I spent over 2 hours on the phone with both supervisors from First Bankcard and Union Bank and no one has resolved my issue. I would like to be credited the overpayment from First Bankcard.
Consumer complaint received 2015-08-31
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Asset Management, Inc. (UT)

They repeatedly call several times a day using false phone numbers from around the country and leaving an automated message not actual person calling me even after I 've contacted them letting them know when I can pay. And they deny that it is them calling me. This happens about XXXX times a day. It has caused a great deal of stress for me affecting my job as well as personal life.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX continues to report the XXXX XXXX account XXXX as derogatory charge off over seven years later. This reporting is 10 years old and the account was open in 2008, 12 years ago!!! 
Despite multiple dispute attempts and countless phone calls XXXX   has refused to remove the egregious information. XXXX XXXX is also reporting the egregious information to the other CRA 's XXXX and Equifax.
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

From XXXX of XXXX to XXXX XXXX I lived in the income restricted property, XXXX XXXX XXXX in XXXX, FL. XXXX of the lease addenda stated that if my family size or income changed, I was to report it immediately, and if the income exceeded the allowance, I was to move out within 30 days or by the end of the lease, whichever was sooner. I married, my family income rose, exceeding the allowance, I paid my prorated rent and submitted the 30 day notice, but the manager refused and returned my check and told me I was going to be liable for the remainder of the lease. I continued to proceed with moving out, and when management filed for eviction, I responded and requested an amount to pay into the court registry. However, their unethical lawyer claimed I never replied to him ( he actually never picked up the response I sent via certified mail, which was eventually returned to me. He motioned the court for a default judgment without notifying me, and when I called the court to find out when the hearing was, they told me that the judge had already issued a default. I subsequently filed to vacate the judgment, showing proof that I 'd been denied due process, I was granted a hearing, argued the case myself, and won. The court ruled that I had acted according to the terms of the lease and granted my motion to vacate, ordering that I send the original prorated amount I attempted to give the manager. I actually mailed the check prior to receiving the signed copy of the court order, and still have the certified mail receipt indicating that it was received. Nevertheless, the management company had reported a debt of {$1500.00} to each of the XXXX credit bureaus which they have not only never removed despite my disputes, but most recently reported to Equifax last month. Apparently the collection agency and/or management company is still misrepresenting this, and the credit bureaus are taking their word for it that I owe them this money. They list the account as " opened '' on XXXX XXXX, XXXX, which was 3 months after I moved out of the apartment and two weeks AFTER the court vacated the default judgment. What do I need to do to get this fraudulent report off of my record? Can I sue them for this? Can they be fined? This is n't an oversight ; it is intentional. I am attaching the following documentation : the original Order of Court 's Default ( XXXX/XXXX/XXXX ), Order Vacating Final Judgment ( XXXX/XXXX/XXXX ), Notice of Hearing ( XXXX/XXXX/XXXX ), Order on Defendant 's Motion to Vacate Default Final Judgment ( XXXX/XXXX/XXXX ), the stub from the money order I used for payment ( XXXX/XXXX/XXXX ), and the XXXX Postal Service Return Receipt for the rent ordered by the court, signed by XXXX XXXX 's manager on XXXX XXXX ( the hearing was on XXXX XXXX ; I mailed it the next day ). I want this removed from all XXXX credit bureaus. Your assistance will be appreciated.
Consumer complaint received 2020-09-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have attempted to dispute XXXX XXXX reporting of XXXX XXXX XXXX accounts as recently as XX/XX/XXXX with XXXX repeatedly refusing to open the FCRA dispute. XXXX XXXX XXXX is reporting the wrong amounts and wrong dates to XXXX by their own admission to Consumer Finance Protection Bureau ( please see attached ) in ongoing efforts to extend the duration of irreparable to my credit report and rating score. The accounts were open in XXXX and XXXX respectively but are noted as XXXX. I do not have a contract with XXXX XXXX XXXX and these accounts are not in an open status. XXXX   should immediately delete the false and inaccurate reports being nade by XXXX XXXX XXXX. XXXX should appropriately reage my credit score. Also, I am victim of a natural disaster and XXXX  has refused to update the report as such. 

XXXX XXXX XXXX statement on XX/XX/XXXX. 
" Business records provided to us by XXXX XXXX XXXX ( XXXX ), XXXX. ( XXXX XXXX ) reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract was formed when the account was used and that a balance of {$460.00} was due on the account when we purchased that account and its contract from XXXX XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. XXXX sent its initial notification letter regarding this account to you on or about XX/XX/XXXX, XXXX Business records also provided to us by XXXX  XXXX reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. ''
Consumer complaint received 2016-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (AL)

When I was 1st contacted I was told this account was for a type of wireless internet router that a person could travel with. I never opened this account nor did I give anyone permission nor do I know who opened this account. I have informed XXXX of this and have informed the collection agency in writing with no results. I have never had any need personal or work related for this type of equipment. Being that I did not open this account, I feel I am not responsible for paying for it and will not do so. I always pay for all credit accounts that are mine in full yes I have made late payments in my life but still paid what I owed.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MO)

I have disputed several paid, closed student loan accounts a number of times as having incorrect data listed. Each time, Equifax has opened a reinvestigation, and then closed it as being accurate. I requested twice the proof that they investigated the accounts as I have proof that they are incorrect based on information obtained from the National Student Loan Database and in speaking to the original creditors. 

I received nothing, just repeated updates that the accounts belong to me. 

XXXX/XXXX does n't list a Date of first Delinquency, and lists my account as being late 150 days prior to the end of my 6-month grace period on XX/XX/XXXX. The account was defaulted based on an incorrect time period, and has since been paid in full through reconsolidation in XX/XX/XXXX. XXXX has refused to remove the status that it is currently in a delinquent state and it has been negatively affecting my credit at a greater impact for more than 2 years. 

There are XXXX collection accounts listing a " collection '' as the only status in XX/XX/XXXX. XXXX of the loans were paid in full in a previous consolidation with XXXX in XX/XX/XXXX. There is also a loan listed that was never dispersed. The XXXX remaining entries are repeated multiple times for XXXX loans that historically existed, however ALL of the listings state that the tradelines were inserted in XX/XX/XXXX, and also list the date of the delinquency as XX/XX/XXXX, which is over a full year after the first 30 day late of XX/XX/XXXX, and after the default dates of XX/XX/XXXX and XX/XX/XXXX. I disputed these repeatedly over the last year and a half. Equifax has refused to investigate this with due diligence, otherwise they would have discovered these errors. Equifax also refused to listen to me when I told them it was inaccurate and demanded proof that they investigated it under the requirements of the FCRA.