davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I had a XXXX card for many years I paid on time every single time never missed a single payment, my card was on auto pay so the the monthly payments where made automatically by the bank. 
XXXX XXXX XXXX has closed my account from one day to the other with out notice therefore my auto payment did not go through, I was in XXXX when all this happened as soon as i noticed the problem I immediate took action to correct it and i had added a other bank account so all is running smooth now, I am clearly not at fault on this issue. 
Please help me out thank you very much Happy new year
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

My Mortgage company will not process a loan payoff request. It has been 10 phone calls and 3 weeks to try to get this info. I am convinced they are milking days of interest for this. I was supposed to close on a re-fi on XX/XX/XXXX and I am now calling them again with no resolve
Consumer complaint received 2017-10-11
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. (IL)

In my previous complaint XXXX. Equifax stated they reviewed my complaint and its records regarding my dispute. They responded the disputed inquiries XXXX XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX are currently not reporting on my Equifax credit file. Written confirmation was to been mailed to me. XXXX XXXX XXXX, XXXX I checked my credit report and the inquiries are still reporting. I called Equifax and was told they would n't be removing the inquiries. I was also blocked from accessing my report online through their website/
Consumer complaint received 2017-04-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Business Bureau (PA)

Hello I joined XXXX last week.. Noticed a debt. ( medical ) was in collections from a XX/XX/XXXX.. XXXX Visit.. That my medical plan and company med plan had handled. This company called me for ..XX/XX/XXXX.. Had contacted XXXX .. Was told Its handled.. Here is confirmation # s bla bla bla.. Told them that they still called a couple times ... Then stopped. I figured they got the info.. This is an agency the hospital uses.. From the start.. They never called me.= The hospital.
Consumer complaint received 2015-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (UT)

Experian has not been letting me challenge items on my credit credit report that violates FCRA guidelines. 
The Accounts in questions are : 1. XXXX XXXX XXXX - Account Number XXXX Problem : XXXX XXXX did not follow FDCPA and FCBA Guidelines and unfairly reported the collection account to Experian. Its paid in full as well. Account should be removed from my credit bureau report. 
2. XXXX XXXX XXXX XXXX Problem : Date of First Delinquency with the original Creditor ( XXXX ), is more than 7 years old. This collection account should be removed pursuant to FCRA. 
3. XXXX XXXX Problem : XXXX Did not follow FCBA and FDCPA guidelines and sent the bill to incorrect address and I was not notified of the account being charged off and sold to XXXX XXXX, XXXX. I have complained against XXXX and XXXX. 
This negative information adversely affects my credit report and financial well being. Please remove this account. 

I am currently a member of experian.com but the website does not let me challenge or dispute the questionable negative items. I feel like I am being treated unfairly with the creditors having an upper hand with experian. The account security credit services also provided experian incorrect documentation in the past satisfying expeian. The date of first delinquency with the original credit of this account is around XXXX 2008.
Consumer complaint received 2023-02-05
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. (CA)

The following credit inquires have appeared on my credit report with my knowledge or written consent. Please remove these inquires from my credit report as soon as possible. I have filed a report with FTC which is attached to the complaint. 

Please remove the following credit inquires : XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2015-09-26
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NJ)

Macy 's credit card website is designed to confuse its credit holder. I enrolled paperless statement, but the website does n't offer download monthly statement in PDF file. It is extremely difficult to read Macys ' credit card statement in an excel format. I have asked the electronic PDF statement, but no avail. I had to unenroll paperless, and wait for the us mail.
Consumer complaint received 2015-12-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MI)

I am writing requesting an investigation into the issues surrounding the series of delays and lack of cooperation regarding my appeal for a loan modification with my lender US Bank. I obtained a mortgage in 2009 with downpayment assistance from Tennessee Housing Authority. The property taxes increased XXXX % from what I was told from the closing attorney and title company. As a result of this, the payment increased drastically and I began to struggle making the payments. I sought help via a HUD counseling agency after a representative from US Bank said that I needed to be delinquent in making payments to initially qualify for a loan mod. I stopped making payments and took the advise of US Bank and engaged a housing counselor. After several months of working with the counselor and providing numerous documents as requested, I was told that US Bank could n't approve a loan modification SOLELY because Tennessee Housing Authority was refusing to cooperate due to their presence on the mortgage via the XXXX lien because of the down payment assistance. It has know been over 12 months and no one can tell me why I am being prevented from mortgage assistance that I clearly qualify for based on my sole income being retirement income. I need help and most recently was told over the phoe on XX/XX/XXXX that I no longer qualify because I 'm over 12 months delinquent. First of all, I became delinquent at the advise of US Bank! I believe the position that is being taken is gross negligence and I need immediate help.
Consumer complaint received 2016-07-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (OR)

This is the second time this has happened. My 3.120 % fixed interest rate was raised in error. Without looking at the promissory note, the agent insisted that it was variable. I had an extra {$3.00} showing as past due. This easily could have affected my credit if I did not catch it.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

Hello, this is XXXX XXXX XXXX XXXX again and I am submitting this complaint against Experian over their frivolous attempt at an investigation at my expense. They are tarnishing my creditability and my good credit by allowing a false riddled account with incomplete and incorrect information to appear on my credit file under XXXX XXXX XXXX account # XXXX ... This account is under another persons name at my business address and it does not belong to me personally and it is affecting every aspect of my financial stability. 

I work for XXXX XXXX XXXX, in the XXXX XXXX offices and I will pursue strict litigation against Experian for false reporting and responding to my initial dispute through the CFPB portal with absolutely ZERO investigative results, evidence and facts! They have not responded to my complain AT ALL though this portal. They have submitted generic and cookie cutter responses to me through this portal that make absolutely no sense. Their has been ZERO validation or investigation with XXXX XXXX XXXX on my account and they have not even verified the addresses that are displayed on this inaccurate account versus the addressed that appear legally join my credit report. 

This account is inaccurate and illegally reporting to my credit report and the investigation I received was UNLAWFUL, INSUFFICIENT and a SHAM! I have no idea what investigation was conducted, there has been ZERO proof, ZERO documentation verified and provided and NO forwarding of my documents to they furnishers illegally reporting to my credit file. This violates FCRA law, this investigation was absolutely half assed and completely unacceptable. If this item is not removed within the next week I will be sending letters for Experian to cease and desist any and all activity upon my account under FCRA law and appear in court regarding this sham of an investigation!
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

I have too many inquiries on my credit report. I have not applied to any companies for credit. I have been a victim of identity fraud in the past and my bank cards have been hacked on multiple occasions. I noticed that XXXX of the options for improper use of a credit report is opting out from marketers. I 'm not sure if that is the case with me but I know I have not applied for any credit except car insurance. Please help me resolve this issue. Thank you.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.
Consumer complaint received 2015-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

On XXXX/XXXX/15 Experian received, per US Postal Service Cert. Mail, my request to investigate and then remove a number of outdated and incorrect items on my Experian credit report. To date XXXX/XXXX/15 the items still remain on my report as per their on line viewing of my report. I contacted them today and advised them as per FCRA and your bureau that those items must be removed because they did not act with in the 30 day time frame. I would ask that you act on my behalf to inforce the laws of financial protection and also include me in any legal action against Experian.
Consumer complaint received 2017-10-11
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: EQUIFAX, INC. (GA)

Equifax have placed my file in the consumer affairs department and refuses to block the fraudulent items that are on my credit report. Every time I call in to request they remove my credit file out of the fraud department, a lady by the name of XXXX XXXX is very rude and tell me it will remain in the consumer affairs department. There are fraudulent addresses and accounts that are on my file the department refuses to block and remove.
Consumer complaint received 2023-01-31
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)

On XX/XX/2022, I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( XXXX  ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have no complied with my request. I regret that I am being forced to take such action.
Consumer complaint received 2022-08-25
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ) Remove these accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Please investigate the practices of Experian. They have manipulated my credit report and score. They are unresponsive and vague. My score has recently dropped XXXX points yet no one is able to give me a consistent answer as to what has happened. I have filed several disputes and they remain unresolved in addition I have cancelled my monitoring service. 2 days before the cancellation I was notified my score dropped XXXX points. I pay my credit card balances in full every month and I do not have any late payments that are undisputed. In addition, they are allowing a creditor to continue to " update '' information that is 15 years old. I have made XXXX calls and spoke with a manager " XXXX '' who all provided me with inconsistent and unverified information. I am exhausted with the run around, the responses I receive from Experian are. '' We do n't know '', " Probably '', " Contact the lender '', " It will take 30 days for a response '' I am in need of assistance from a governing agency above and beyond Experian and again I want a complete review into the very suspicious dramatic decline of my credit score upon cancellation of my subscription service. That is key information and I am willing to contact local media to investigate this company. In addition, it is my concern that this action is discriminatory. PLEASE contact me ASAP, I have been caught in this cycle for over a year and I have pending important matters that I need to take care of that involve my credit. Time is of the essence, I need to bring attention to and STOP this FRAUDULENT behavior.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I asked that Experian remove the bankruptcy from my credit report as it has been on the report for 10 years. Experian arbitrarily claims the bankruptcy will come off my credit report in 6 months. There is no reason why Experian should keep the bankruptcy on my report any longer. 
I know this because I asked XXXX to take the bankruptcy off and they did so without any complaint, see uploaded document.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 'm writing in regards to XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, XXXX. 

My son left the apartment in XXXX, XXXX. Working with XXXX . XXXX XXXX, Senior Leasing Consultant, at the time, they agreed the apartment complex would keep his deposit and the rent for XX/XX/XXXX in return for letting him leave the apartment at the time. My son did not get anything in writing from XXXX XXXX as he trusted her to keep her word. 

Now I understand there is a notation on mine and his credit report that an amount is owing to the apartment complex due to his leaving prior to the end of the lease. 

I know XXXX XXXX was sold to other owners who put the bad debt on our credit reports. 

I would like this matter cleared up very quickly. 

I can be reached at XXXX during the day or at XXXX after XXXX XXXX here in XXXX.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (CA)

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1400.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (TX)

Took a loan with Big picture loans they continue to change payment amounts and XXXX which I have already paid that amount over XXXX every two weeks since XX/XX/2017 and the payoff is XXXX over XXXX dollars in payments no principle reduction and they say it will be paid off in 3 years
Consumer complaint received 2022-10-01
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. (AL)

In accordance to fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A section 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
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

I have repeatedly called & asked representatives at Equifax to remove any type of freeze or block they have without my knowledge from my credit report. I have for the last 5 months been trying to obtain a car loan only to be told that Equifax have a block on my credit report so it can not be pulled. I have called over 8 times to have this taken care of only to be told that it was off. I have even sent in the information that they required & still as of XX/XX/2017 the block is still on it.
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's XXXX XXXX Equifax and XXXX still show it on my creditreport I want it off now.