davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

My credit report have 7 years old accounts still showing and student loans and creditors that included in bankruptcy still listed individual double my credit ratio making my score low. The accounts listed in bankruptcy should be listed still on report but they removed bankruptcy XXXX. The bankruptcy and all creditors still showing from XXXX to XXXX. My student loans debt double they charging putting extra money to pay back on the balance of XXXX bankruptcy that was paid in chapter XXXX. I asked for a copy of the original balance bill with my signature on it that on my report no answer in for inquiries. Equifax has replied lowered my score more. Why third -partiy are listed with same amount with the original creditor it not fair XXXX XXXX and their XXXX party XXXX XXXX XXXX {$580.00}.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

I am having an issue with challenging incorrect information on my credit reports. There is Public Record Information tat is inaccurate in its filing. The term " Dismissed '' means that it is adjudicated by the law so as my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC (TX)

On XXXX XXXX, 2016, my husband and I were informed by a leasing agent in XXXX XXXX that incorrect information CoreLogic provided to the owners of the complex resulted in the rejection of our rental application. The cost of this application was {$250.00}. 
CoreLogic falsely disseminated information stating that I have XXXX XXXX XXXX XXXX criminal charges/convictions against me, according to the leasing agent and their consumer relations ' employee. This is completely incorrect. Nothing other than a negligent failure to perform due diligence on the veracity of the information being provided to consumers ' current and potential employers, creditors, landlords and others can explain such incorrect information. 

I encourage -- nay, urge -- you to begin immediate investigation of this company to ensure it is n't ruining others ' lives.
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each one of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CT)

I have previously reported, XXXX had agreed to remove the inquiries on my report, XXXX has been removed the other remains. The XXXX court record was paid in full, paid medical bills should be be removed. The XXXX account is reporting open, this was closed last year. I never had a loan with XXXX that should be removed
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that EQUIFAX CREDIT INFORMATION SERVICEhas an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
EQUIFAX CREDIT INFORMATION SERVICE IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
EQUIFAX CREDIT INFORMATION SERVICE IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND EQUIFAX CREDIT INFORMATION SERVICE SHOULD STOP VIOLATING ALL CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! AS WELL AS STOP DAMAGING MY CREDIT WORTHINESS!
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

I filed chapter XXXX XXXX 2007. It was dismissed not discharged. It has been well over 7 years since the date filed and Equifax refuses to remove it. Also I have XXXX federal tax liens on my report that have been paid and released that were filed XX/XX/2007 and XX/XX/2007 and have been well over 7 years. Equifax refuses to remove all XXXX public records but XXXX and XXXX have done so. I would like these records removed please. Thank you
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have ask for investigation from the credit reporting agency because accounts that are being reported for XXXX XXXX XXXX also known as XXXX XXXX XXXX has never been validated with me. I have no knowledge of these companies and have never made any type of contractual agreement to pay these companies. The credit bureau is claiming they are investigating the dispute but I have been unable to contact the company. My certified letters have always been returned. No phone number to contact company. So how is the credit bureau able to verify information when I am not able. In addition to their bogus investigation process, these accounts are in violation of HIPAA laws.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

For them to remove the items off my credit report like they should have already even without me having to dispute them. 
There are 3 or 4 total that I have disputed with them from XXXX and XXXX. 
1 is XXXX, another is XXXX, another is XXXX, and there are XXXX XXXX XXXX credit cards that are all really old. But the companies either changed the dates or sent them to collection and started them from that date. But either way I only had these cards for a short period of time and they are well over XXXX years old. And for them to refuse to remove them is illegal. Please help, thanks
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Trying to log in an existing account with Experian. Won't allow me into my account -- says can't verify. Won't allow me to talk to a real person and none of the online or phone things they want me to do is helping. Not real happy right now considering there was a recent data breach!!!!!! Experian has had issues in the past with being hacked so am concerned that something is wrong. XXXX help and satisfaction from this company!!!!!!
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CO)

I vacated my old apartment on XXXX/XXXX/2015. I provided to the apartment my forwarding address where the balance of my deposit should be sent. I never receive any from my old landlord. I started to receive call from the collection agency ( XXXX XXXX XXXX ) asking to pay an alleged debt regarding this matter. I told XXXX that I was not aware about the debt and I needed more details. I visited my old apartment to find out more about the matter. Unfortunately, I found that the apartment did change the name. I asked my lawyer to write to the collection agency to request more information. While I was still waiting for the answer, which came today, the collection agency XXXX XXXX XXXX report NEGATIVE INFORMATION on my credit report. I attached mails I exchanged with the collection agency
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

As of now, the issue I have is with XXXX XXXX and not with any credit bureau. XXXX XXXX claims to have pulled a hard inquiry on my credit on XXXX XXXX, 2015, which is reflected in my Equifax report, potentially harming my score. I do have a pending dispute with Equifax ( confirmation number XXXX ), filed today. However, prior to lodging the dispute with Equifax , I contacted XXXX directly and was told, after about an hour on the phone with them/dealing with dropped calls, that although I DID NOT authorize an inquiry into my credit in 2015, they were " unable '' to remove reporting of the event because it was " too old. '' I had an account with XXXX at a prior residence ( XXXX XXXX, XXXX ) and had asked them to transfer my service to my new home in XXXX, XXXX as of XXXX 2015. They failed to properly close my New Jersey account and thus were " unable '' to transfer it to XXXX. After weeks of trying to hold their hands through the process of determining what was so difficult about this process, I realized I was getting nowhere and gave up. It took me another several weeks to address that they were beginning collections for my XXXX account, which I had closed and paid in full, because they did n't close it properly. My concern is that this hard inquiry on my credit was a component of their incompetence during this time. I never authorized an inquiry and although I am hopeful Equifax will remove it without conflict, I want to report this practice by XXXX to the CFPB.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I have been repairing my credit for 5 years. XXXX and XXXX work wonderfully and erroneous items are being removed at a good pace. My XXXX score is XXXX, my XXXX score is XXXX ... ..and wait for it ... .my Equifax score is XXXX and it does not move. They are violating my rights under the laws that they must live by ; they must response in a certain period of time and they are not. THEY MUST PROVIDE ME WITH MY ORIGINAL SIGNED CREDIT APPLICATION, ALL STATEMENTS ITEMIZING EVERY CHARGES, AND A COMPLETE ACCOUNTING OF ALL FEE, ETC ASSESSED TO ME - THAT IS THERE OBLIGATION IF THEY WANT TO BE IN THE BUSINESS THEY ARE IN. They are not doing this and the are not sitting on the process while XXXX and XXXX are doing a great job. I am getting ready to sue Equifax for financial damages in the form of high interest rate loans do to their refuse to comply with the law that governs them. They said they have no record of me ( that 's a stall ) ; I 'm XXXX years old, they had over XXXX trade lines on me. I am calling the governors office in XXXX next, this is criminal.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (WI)

Equifax is in violation of FCRA laws. Instead of conducting a reasonable investigation of my dispute they have continued to " parrot '' the creditors clearly inaccurate portrayal of the account in question ( XXXX ). The creditor has routinely refused to report the date of closure and date of last activity, and rather than correct the erroneous information they update the aforementioned field by leaving them blank. This allows them to continue to report negative information on an account that has been closed for several years.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Several inquiries on my reports are unfamiliar and were not authorized by me. I have been victim of identity theft in the not so distant past. 

I disputed these inquiries only to be informed that inquiries were information that could not be removed as they simply reflect credit checking These false inquiries affect my score and if its information provided by agencies then it has to be removed if it 's not accurate
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (DE)

In XXXX XXXX, I signed a credit card agreement through Home Depot that Citibank services which stated that I had 24 months of interest free financing. When I discovered that Citibank charged my interest on the principle after 6 months, I called Citibank to get this issue fixed. The rep said it was n't Citibank 's fault and that it was my issue and Home Depot 's fault for not sending Citibank the correct documents. Eventually, the rep said she would fix the account and apply 24 months interest free financing. That never happened. Since XXXX XXXX, I have called many times trying to get this resolved. Most recently, I called and talked with XXXX ( REF # is XXXX ) in XXXX XXXX. She was very resistant to resolving this but agreed to do it. It 's now XXXX XXXX and nothing has changed. What Citibank and Home Depot are doing is fraudulent. This needs to be fixed immediately. I have been charged literally thousands of dollars in interest fraudulently.
Consumer complaint received 2016-01-20
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: High Point Asset Inc (MN)

This debt collections company contacted me today stating I owed XXXX different payday loan companies I have never heard of. They were able to verify my old email address at the time as well as my bank. I know I do n't owe because I just recently checked my credit report and none of these companies have ever been listed at any point in time, nor are there any matching amounts. This company can seriously SCAM innocent people out of their money. I know my consumer rights and this is out right wrong of them.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (OH)

We XXXX a XXXX and as of XX/XX/XXXX of this year we were forced to close down due to the COVID-19 pandemic. We had attempted to provide take out and delivery and it was no success at all. We have had no income for 3 months. We have two business credit cards with US Bank and have requested a deferral for the three months we have been closed down. We called and finally reached someone to speak to on XX/XX/XXXX. Before that time the hold times were beyond 45 minutes and we could not reach a live person. When we spoke on XX/XX/XXXX the operator stated she would defer until XX/XX/XXXX. When we called today to discuss the account, we were told it was 78 days in arrears and they would not work with us because the payments were late. They have no programs for deferment. We have a history of paying on time that lasted more than 8 years. All we are asking for is a three month deferment and to take back the negative report on the credit record. We are opening the XXXX  on the XXXX of this month. After a couple of weeks we should be back on our feet.
Consumer complaint received 2015-07-22
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Wilson, Riley & Associates (TX)

Received a voice mail from an XXXX XXXX stating she was from XXXX XXXX XXXX XXXX. Said she had a summons to deliver to me and would be there Friday morning between XXXX and XXXX and wanted to be sure I was there. Also called my mother and demanded she contact me. My mother said please do not call her she was told they have every right to call as she was listed as a reference and the only person who could take her off would be me. I called th number given in the voice mail XXXX XXXX XXXX. I was transferred to a man who refused to tell me what this was about and told me he will continue to call my mother as he has every legal right to. Told me that he understood it would be hard for me to understand since XXXX XXXX has XXXX of the lowest XXXX 's in the nation. Said I was a XXXX debtor and he was sure I was getting calls from other people because I was XXXX and I didnt pay my bills. I asked what this was in regards to he said we just need to know if you will be home Friday cause we have been there before and no one was home. Told him they have called me before and he said that was a lie and that I was a liar. I asked him again what this was in reference to he refused to tell me. He continued to berate me and call me XXXX and a low life etc. This is clearly a debt collector and the number is registered to XXXX XXXX. If this was a legit legal issue there would have been a local number and the address they are trying to serve me at isnt my current address it is my ex-husbands house. If it was XXXX XXXX County they would know my address. My ex works from home and said no one has ever been there before and said this is a scam and to report it.
Consumer complaint received 2016-08-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (FL)

On XXXX XXXX, 2016, I received a letter from XXXX XXXX XXXX that a check was presented for payment in the amount of {$110.00} from Global Client Solutions of XXXX, XXXX. I had just {$100.00} in the account so FCU returned the check and charged me a {$41.00} NSF fee. I have never ever heard of Global Client Solutions and did not write them a check or provide anyone with that name my checking account information. FCU did refund the NSF fee but I was forced to close my account since it 's obvious that someone has my check account information illegally. I want action taken against this company.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-19
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. (GA)

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (VA)

A Target XXXXCard account was opened in my name on XX/XX/2023. I received an alert from Target and XXXX on XX/XX/2023, alerting me to the fraudulent account. I contacted Target on XX/XX/2023 and they were able to verify my identity, close the account and recommend next steps ( alert CFPB and credit bureaus ). They said no charges had been made on the card yet. They will be sending me a report to complete and mail back with additional information they need in order to close the case. I have updated my email password and verified that my correct information is on file with Target. I have attached copies of the emails from Target and XXXX.
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (NJ)

The company Vance and Huffman LLC has been harassing me and trying to contact me for a collection that is not mine. Its for {$1500.00} and its from the XXXX XXXX which when I looked it up is located in Texas and I live in XXXX XXXX. Ive been dealing with identify theft and credit card fraud from my ex girlfriend XXXX XXXX XXXX and I am sure she did this. The company even somehow got ahold of my dads number ( which is very private ) and asked for my whereabouts and he said it was very threatening. Ive called them to tell them its fraud and XXXX XXXX is the worst and sketchiest salesman.