davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their answer to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as misleading information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AXOS FINANCIAL, INC. (CA)

To Whom It May Concern : Settled in full with XXXX XXXX XX/XX/XXXX XXXX Credit reports reflect derogatory information. 

I reported to aXXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the nine-week basic training course, I was transferred to the US XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the XXXX XXXX XXXX   course in XXXX of XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX   XXXX, and XXXX XXXX for the XXXX Rifle and the Hand Grenade. 

Axis has taken adverse action against me for the same debt. This harm to me during a pandemic is mostly because I am XXXX American. Can there be some since of justice? I never received the accelerant letter until last month. The Gap claimed I had requested last the 90 days and even after a settled in full contract another company has taken adverse action against me.
Consumer complaint received 2023-03-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023, I sent 3 certified mail letters to 3 credit reporting agencies, Experian https : XXXX? XXXX, XXXX https : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX regarding FCRA , METRO 2 standards violations on my credit report and an alleged debt of {$1300.00}, that was not verified and not validated as per USC 1692g. 

Experian, XXXX tried to correct the FCRA, METRO 2 violations but they still remain, I'll add two credit reports as proof, one before sending the letters and one after, further they did not verify and they did not validate the debt as per USC 1692g i.e, provide irrefutable proof of loan contract with original wet ink signature. 

XXXX didn't take any action at all. 

This is a gross violation of my rights and privacy and I plead CFPB to take swift action.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

In XXXX 2015, I had settled a debt with XXXX XXXX for an amount less than what was originally asked. This amount was agreed to, and I was given a confirmation over the phone, as well as a receipt over email. However, recently I noticed that a derogatory entry was made on my credit report for the difference between the original debt and what was agreed to in settlement.
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PINNACLE RECOVERY, INC. (WA)

Pinnacle debt collection company tried to collect our quarterly maintenance fee of {$370.00} ( for XXXX quarters ) and we were willing to pay the past due but they said there is an additional fee of {$120.00} for collecting service which we can not agree with.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (MI)

Last year in XXXX I found a fraudulent account opened with my social security number at Apple Card/GS Bank XXXX I filled an identitytheft.gov report, ref # XXXX. I notified XXXX about the fraud. The account was removed and I thought everything was taken care of. Then a couple months ago I checked the other credit bureaus and the fraudulent account is still there. 

Since then I have been in contact with the other credit bureaus and with Apple Card/GS Bank XXXX I have made many calls and filled disputes, but they will not remove it from my credit report and keep verifying it as correct.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion continues report inaccurate personal information about me and continuously reports inaccurate accounts on my credit file. I have tried numerous times to ask that they investigate per the FCR A 611 ( a ) ( 6 ).  None of the dusts have ever had a proper method of verification where as they would 've provided me with PHYSICAL documentation and proof of these accounts. They just state words like remains, verified, and meets requirements of the FCRA. In no way shape or form is that a verification. These accounts are not and have not been verified and I have provided documentation that I am again providing along with my identification to delete thees inaccuracies.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. XXXX and XXXX and Equifax have violated my rights, and they violated the law, 15 USC 1681. I have written on many occasions asking them to fix the issue or delete the following due to inaccurate reporting. its reporting a balance on a paid off account and they have failed to delete or update the account. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

I have New AND UPDATED INFORMATION ABOUT EXPERIAN. 
EXPERIAN RESPONDED SAYING THEY WOULD REINVESTIGATE WITH THE FURNISHERS AS I REQUESTED, WHEN THAT IS NOT THE INFORMATION I AM REQUESTING, I AM REQUESTING PROOF OF THE INVESTIGATION THEY COMPLETED BEFORE ALLOWING THE FURNISHERS TO FURNISH INACCURATE INFORMATION ON MY CONSUMER REPORT, INCLUDING EVERY PERSON YOU INVESTIGATED WITH ALONG WITH THE INFORMATION I REQUESTED IN THE RESOLUTION AREA. 
I CALLED EXPERIAN TODAY TO SPEAK WITH SOMEONE REGUARDING THE DISPUTE ( XXXX EXPERIAN REPRESENTAIVE ) TRANSFERRED ME TO A SUPERVISOR BECAUSE SHE WAS UNSURE WHAT TO DO, THE SUPERVISOR GOT ON THE LINE, I ASKED IF HE CAN EMAIL THE TEAM THAT HANDLES THE DISPUTE HE SAID HE DOESNT HAVE ACCESS. I WAS NOT ABLE TO REACH SOMEONE THAT CAN CONTACT THE BACK TEAM TO GIVE THEM THE CORRECT INFORMATION AND WAS TOLD BY THE SUPERVISOR THE ONLY WAY TO CONTACT A BACK TEAM REPRESENTATIVE WAS TO FILE A CFPB COMPLAINT OR MAIL.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (WA)

I tried to switch TV service to XXXX. Several attempts were made to get my credit infor from Equifax. XXXX only uses Equifax. First Equifax advised that I have a security freeze. I do not. I have fraud alerts due to identity theft XXXX yrs ago. The reps were impossible to understand their English. I was told I needed to write to get the security alert lifted. This is incorrect as I do not have a security freeze. After several calls over 5days, I was told that XXXX needed to only use my XXXX . XXXX would only submit with XXXX. 4 times I went to XXXX. XXXX reported XXXX ordered by credit report and gave their sales rep a ref. number ( total XXXX ref. numbers as their sale rep still could not get my credit infor. Equifax has done this to me before. That is how I knew it was not a security freeze. These errors cost me money. I still do n't have XXXX service ( choices in area are limited ) and I have a " hard inquiry '' on my account. Credit reporting agencys have too much power and abuse it. I ask that both XXXX and XXXX be contacted and my " hard inquiry '' be removed.
Consumer complaint received 2015-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NV)

XXXX credit services who is a XXXX party debt collector submitted an old account that was removed off my credit from XXXX due to it being past the staute of limitations in the state of Nevada. This was not on my credit until we we 're at the final steps of purchasing a home and they ran XXXX last credit report and this showed up. Obviously preventing my family from purchasing a home and has now left me in the position of having to possibly ask family members if we can stay with them, uprooting my XXXX children from their school XXXX of which Has a XXXX. XXXX keeps transferring us to another company called vision. They hang up on us, claim they do not need to furnish us with documentation regarding this account. Then they tell us to call XXXX and XXXX claims they do n't answer questions in regards to collections. I have read and read about how this company has done this to so many individuals out there and nobody can understand how the credit bureaus do n't research what is being placed on a report that basically is the prime basis for an individuals life. This seems fraudulent on both XXXX and the credit reporting agencies. It ruins lives just like it ruined mine because nobody at the bureau took a minute to fully reaserach the information being submitted.
Consumer complaint received 2020-11-02
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: Experian Information Solutions Inc. (MI)

I've been attempting to dispute a creditor that is negatively reporting on my credit report. I've sent multiple letters to the bureaus as well as directly to the original creditor to no avail. I used the contact information for XXXX XXXX listed on my credit report to contact them and my letter was returned undeliverable. I followed up with the supporting documents and the bureaus are still reporting this negative item on my report.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

XXXX/XXXX/16 mailed a letter and included required supporting documentation to 1 ) have my married name updated & 2 ) address updated. Results - address was updated but name was not. 

XXXX/XXXX/16 - phone Equifax. Result - name was updated incorrectly. 

XXXX/XXXX/16 - opened an online request. Result - Equifax marked it complete the same day with out taking any action. Name is still incorrect. 

XXXX/XXXX/16 - phoned Equifax. Informed it will take 30 days to have name updated. Request is already 6 weeks old and 30 days is not an acceptable amount to time to complete such a simple customer service request.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

There is duplicate reporting on my credit report for a home equity loan from XXXX XXXX and XXXX XXXX XXXX. The original loan was with XXXX XXXX who was bought out by XXXX XXXX. So the information is repeated twice which effects my credit score. The loan was eventually paid off in full ( {$180000.00} ) five months late. There is no balance. XXXX has XXXX XXXX reported correctly. However, XXXX Bank is incorrect and should be removed. Experian is also duplicated. XXXX should be removed and corrected. XXXX XXXX should show a XXXX balance and reflect paid in full. 
XXXX also reported XXXX XXXX and XXXX XXXX but the information is correct, XXXX should be removed. I hope that was not to confusing. Please see attached. I have additional paperwork if required.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXXXXXX XXXX. After sending my information to the credit bureaus on the XXXX of XXXX. This company took more than 30 days to investigate this case. Initially removed the late payment from my report and added it once more without notification.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

False Credit Reporting XXXX XXXX currently reports three ( 3 ) open credit card accounts in my name with as being open in my name whereas I have only one open credit card account with them. I have reached out to them several times via email and telephone. They refuse to correct the false records have XXXX balance, I should not be worried about it. A manager in the bank even hung up on me today.
Consumer complaint received 2021-01-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MI)

I have a FHA mortgage with said company. The loan is escrowed for taxes and insurance. Annual insurance was due XX/XX/XXXX. The insurance was not paid and I was not informed until I received a notice to cancel from my insurance. I immediately called my insurance company to find out if they had not sent bill to bank. They informed me they had sent them 3 requests for payment with no response. I then called the mortgage company who had no idea why it hadn't been paid. The woman put me on hold and came back moments later saying she called and did a payment and had our late fee waived. At this point I thought we were all taken care of. Then I recieved a letter dated XX/XX/XXXX from the mortgage company stating I failed to keep insurance on the property and due to insurance cancelation they had placed forced insurance on our property until we obtain proof of insurance. I immediately called the insurance company again. They stated that the payment from the bank never came through. I called the bank back once again and was told that they refused to pay the premium out of our escrow. They mentioned something about our house being under construction so they would not pay the policy. I then asked them how that is possible considering that we moved back into our home XX/XX/XXXXXXXX  and they had their evidence of completion and had released the final insurance claim funds to the contractor which confirmed that the home was completed. Either way under construction or completed you still have to have insurance on the property. She said there was nothing she could do about it that we would have to get insurance again. I spoke to my insurance agency again and they informed me that they could not re-instate our policy nor could they find a insurance company that would write us a policy due to the recent fire claim and a canceled nonpayment policy. Now we can not find any insurance company to cover us leaving in a horrible situation. Here 's the " this doesn't make sense '' part. 
Our home burnt down XXXX XXXX. They paid the premium for insurance in XXXX XXXX  ( with no home on property ), but then refused to pay XX/XX/XXXXXXXX  premium that actually had a home ( a brand new home ) on the property.
Consumer complaint received 2016-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

Original Creditor is XXXX, XXXX, then it was sold to XXXX , XXXX and now XXXX XXXX XXXX has the account XXXX. This is not my loan, I have a police report and a fraud affidavit I sent numerous times to all XXXX companies. I have also sent XXXX information on this too and they are still reporting Springleaf on my credit report. This is not fair that I have provided the information and I am still be punished for something I never received.
Consumer complaint received 2015-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EOS Holdings, Inc. (GA)

someone used my stolen identity information and created several accounts including this one from getting services and things that i was not apart of yet the information that was stolen was used this account is fraudulent and from id theft and needs to be taken off asap
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I received a letter from XXXX XXXX stating they have submitted a request to the major credit reporting agencies to delete any delinquency that occurred from XX/XX/XXXX to XX/XX/XXXX. In addition, XXXX also sent me a letter on XX/XX/XXXX stating they have requested the credit bureaus remove the inquiry on my credit profile dated XX/XX/XXXX and I sent the letters to Experian and I 've called a number of times and they are not being helpful in updating and correcting my credit report. Please help me! Thank you in advance.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

On XXXX/XXXX/XXXX I contacted Experian regarding their reporting under Public Records of a balance on a Judgement which was satisfied on XXXX/XXXX/XXXX. They updated my credit report to show the Judgement as satisfied but they still show a balance of over {$12000.00} I asked them why they are still reporting an open balance when the Judgement was satisfied. Their response was to state they are reporting the Judgment as satisfied yet they still have not changed the balance on their report. When I contacted XXXX about the satisfaction of judgement they quickly and correctly changed the status to satisfied and updated the balance to zero. Experian has provided know explanation as to how they can still be reporting an open balance and yet also state that the judgement is satisfied.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

You are reporting inaccurate and unverifiable information on my credit report. There are fraudulent information on my credit report. I ask for a full dislcoser of this debt. I have not receive my sign signature, original contract or any information about this debt. 

XXXX XXXX XXXX # XXXX BY LAW AFTER 30 DAYS THIS ACCOUNT IS NOT MINE. Delete this account asap. You are reporting fraudulent information on my credit report. Delete this account asap.
Consumer complaint received 2016-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (TX)

On XXXX XXXX, 2016 First National Collection contacted my husband regarding a debt that they are saying that I owe from XXXX. My husband informed them that he had no idea what they were talking about and asked how they got his phone number. He called me to find out what was going on and so then I called them. When i asked them for proof of debt they did not have anything, when I asked simply for something that shows that I actually owe this they could not provide anything other than a bill from them that says I owe money to some online university. They have asked me to send them a letter requesting proof of debt. I feel it is very unfair that I should have to prove to them that I do n't owe anything .... they should have to prove that I do owe something, Its highly unethical for a company to call and harass me about something they are saying that I owe when they have no way to prove or even validate that I do owe them anything.
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Merchants and Professional Bureau, Inc. (TX)

This is with regards to a notice from " Merchants & Professional Credit Bureau Inc '' A/C No : XXXXThis company has been trying to collect a debt that i do not really owe as i have worked with the debt owner ( Medical company ) on why it was paid by my insurance. 
This collection agency has not paid heed to all my communication in this regard and went ahead with reporting this to all credit agencies. This caused my credit score to go down drastically and prevented me from getting a mortgage on my new home.