davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

My mortgage provider made an error and reported me late for over 30 days. I initiated a dispute with Equifax and the mortgage provider sent them a letter to remove the information over three months ago. Equifax has not removed the information. I have called and written letters and provided them with the letter stating the incorrect info should be removed. The other two bureaus took it off immediately. Every time I attempt to contact them they pass the ball to another department, this erroneous information being on my report is negatively affecting my FICO score. What can you do when its the credit reporting agency making a mistake?
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

Was recently denied a credit card due to having delinquency/bankruptcy in my credit report. This has never happened to me. I went online to try and get my credit report and all questions to verify my identity at Equifax were entirely wrong- referencing mortgages I never had, paymants I 've never done, retail cards I 've never owned and more. It never accepted " None of the above '' for any of these. I reached out to Equifax, faxing them my drivers license and change of address form, to tell them that 1 ) I 've never been bankrupt, and 2 ) Every question they have on me is entirely wrong. I 've not heard back from them since.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

I had a property in XXXX with a mortgage with XXXX XXXX Bank XXXX. An XXXX Deed was filed on XXXX XXXX, XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX FIVE YEARS to finally finished the foreclosure of a property they already owned in XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

Equifax has been reporting mortgage loans from XXXX and XXXX with XXXX digits that are not mine. These loans were unilaterally created by XXXX and XXXX in XXXX 2011 thru XXXX 2011 and reported these loans as new loans applied for by me. they reported these loans the same way to XXXX and XXXX. none of these mortgage loans are mine and I never applied for them and never settled on them. they are new orginated loans unilaterally by XXXX with illegal account numbers that are not compliant with federal reserve regulations or XXXX practice in the banking industry. the only time that consumer protection laws and XXXX regulations allow for XXXX digits to be used for mortgage loans is for internal reporting and computer data storage only. not only is Equifax violating the FCRA but also colluding with XXXX bank and XXXX allegedly to report false mortgage loans while these loans have never been settled and have no loan docs for them attached is my attorneys second letter to Equifax that is stonewalling me on this issue. in addition the report shows that Equifax is making hard inquiries on my credit from their mortgage services company which I never applied to for anything which lowers my credit score significantly besides the false information about mortgage loans and reporting that I applied for these loans which I did not. Equifax is also in violation of their agreement with XXXX partner New York State Attorney General 's settlement agreement with Equifax that they will not continue to maintain false information on anyone 's credit file XXXX they continue to do this without impunity or enforcement or fines from any financial regulator or the federal trade commission.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

I settled XXXX outsanding credit accounts that went into collection when I lost my job XX/XX/XXXX. I finally returned to work XX/XX/XXXX and began fixing. I settled with XXXX XXXX and XXXX XXXX Bank, both of which sent me settlement letters BEFORE I made the payments to verify the settlement reporting terms to the XXXX credit bureausI have attached for your review. 

For XXXX months now, I continue to dispute the status of these accounts as currently stated as " Charge Off '', which is not what I agreed to in their settlement letter. 
Correct Status for these accounts is " Paid - Settled, {$0.00} Balance " Nothing more, nothing lessEquaifax continues to show Charge Off, late payment, paid after charge charge, all comments that are not a part of the agreed settlement letter each stated they would report to the bureaus
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (AL)

A few months ago I had some issues with XXXX XXXX XXXX XXXX repporting XXXX delinquencies to the credit bureau. At the time it had affected my credit significantly since than negative reporting has been removed but my credit has never recovered since than. I have had XXXX XXXX remove an account reporting delinquent completely from the credit report only to be reported by a collection agency. That is incorrect. The last issue is that XXXX XXXX XXXX has falsely reported me for non payment and my insurance on the credit card made a payment for me towards the bill and XXXX XXXX XXXX is alleging that was applied as a credit and they are malesly reporting me for a 30 day 60 day and 90 day. all of which are incorrect. Ever since the XXXX XXXX XXXX XXXX issue my credit was never rescored.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I have contacted Ally multiple times to address this credit reporting error of a car loan I had with them. I had originally purchased the vehicle through a dealership called XXXX XXXX of XXXX who financed it through XXXX. The financing through XXXX should have been through my company XXXX XXXX XXXX XXXX XXXX XXXX, but instead the finance manager inadvertently put down the Federal ID number belonging to XXXX XXXX Rental which was a company I had sold previously to buying and financing the vehicle. The new owners of XXXX XXXX had filed BK and it automatically showed up on this vehicle as being in a BK status. I spent countless hours to clear this up and you guys accepted all the payments in full for the vehicle but still continue to report a charged off vehicle on my credit report instead of always having on time payments. The only time I did not have on time payments, was when you guys would not accept payments because it was in BK status. I have contacted the credit bureaus to clear this up with you guys. I have contacted you guys personally. And I have contacted you guys through the CFPB with no response. I have attached the letter from the dealership admitting the mistake, and you guys still continue to report this incorrectly on my credit report. 

I am demanding a response and removal of this negative trade line on my credit report. It should state paid in full and on time, with no late payments. If this is not fixed in a timely manner, I have no other option but to pursue financial distress for all the damages you have caused. This credit issue has prevented me from financing new business loans and home ownership, costing me hundreds of thousands of dollars in earned income and interest. My interest rates are all high because of this negligent mistake. Please respond as soon as possible to prevent further legal action.
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (GA)

XXXX continued to bill me erroneously for service after I physically visited them in XXXX on XX/XX/XXXX and cancelled my service and turned in my equipment. XXXX confirmed by phone finally in XX/XX/XXXX they had located paperwork indicating I had cancelled my service and should not have been billed. The paperwork was sold to collection agencies - this is # XXXX and is now being erroneously reported as a collection on my credit report. IC Systems is falsely reporting a collection for a debt I do not owe. My XXXX account was paid through XX/XX/XXXX and service was cancelled in person on XX/XX/XXXX. If anything, they owe me money. I have had over XXXX scores for over 10 years and now Equifax score is XXXX. This is simply not right and not fair. XXXX tells me this is too old to retrieve records since it 's over 2 years. The collection companies automatically think the consumer is guilty. My credit report says otherwise. I pay my bills and I pay them on time and often ahead - way ahead. I want this collection removed from my credit report and my credit score restored. I do not owe anyone anything! For XXXX years I 've had to put up with these collection agencies calling constantly and sending letters trying to collect a XXXX debt I do not owe.
Consumer complaint received 2016-11-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (OH)

In XXXX I purchased my first car from XXXX XXXX, Ford Motor Credit actually financed the deal for me. The car was repossessed in XXXX. This information is still being reported 16 years later. I 've worked with the Credit Bureaus who advised I needed to contact Ford Motor Credit directly. I reached out to Ford was transferred to a couple different departments and left a voice message. I received a call back from someone who said they were looking into it. Yet and still this is still being reported on my credit as an OPEN account. I 've been denied credit due to repossession recently and this is the only repossession in my history. This has made my credit appear worse than what it is. I 've struggled trying to clean up my credit even recently filing Chapter XXXX Bankruptcy which is now discharged. Still this account remains.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

Bureau keeps reporting addresses and accounts that are not mine. They initially delete the addresses and then report them again. The accounts have not been verified and I have requested several times now for verification which is my legal right under the FCRA and to date I have received NOTHING in form of signed contracts, authorization signature or, anything else they can provide to verify these accounts from the credit bureau and/or creditors.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

Equifax has been sent a letter of dispute and was given 30 Days to respond to the first Dispute. 30 Days after not responding they were given 15 Days to Remove the account that they never responded to or disputed. It has now been almost 60 Days and still no response from Equifax in regards to my dispute. Please see attached the return receipt request as well as the documents that were mailed each time for your review.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (AL)

A hard inquiry was done by Equifax, XX/XX/2016, it was concluded that it should not have been done., the company. Sent documents to all XXXX CRA 'S showing inquiry should be deleted. Equifax has not removed it yet. XXXX and XXXX have. Document from company was sent to verify removal to Equifax, they said they need a call or electronic submission, they said it was their policy. I want the inquiry removec
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

Recently I refinanced my home mortgage to a lower interest rate and, because of a bonus received at work, I paid off my all other credit accounts. I included a first and second mortgage in the refinance but did not increase the overall amount owed. To my surprise, all of the credit bureaus ( XXXX, Equifax , XXXX ) lowered my score from over XXXX n XXXX ( good ) to the XXXX, XXXX, XXXX ( poor ) in XXXX! This is counter-intuitive to me. I am in better financial shape now than what I was XXXX! 
I even asked XXXX how they calculated the score. They refuse to disclose the algorithms they use to calculate the score and only provided generalities. 
This is just not fair. I am in the process of going for XXXX jobs where they may pull my credit score and it may prevent advancement in my career.
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I 've disputed accounts listed on my Equifax credit report numerous times and the bureau refuses to correct the errors. The other XXXX reporting bureaus has corrected them and even deleted a few from my reports on their bureau 's reports, but Equifax has n't.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX and I 'm writing you about an entry listed on my credit report. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they do n't provide anyone with debtor 's full social security number and they do n't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I 'm requesting to have it removed immediately.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

I am challenging a Public Record Information on my credit report that is inaccurate in its filing. Although, " Dismissed '' means that it is adjudicated by the law, the credit reporting agencies are holding my credit status " HOSTAGE '' for the next 10 years. In the eyes of the Federal Government XXXX XXXX XXXX XXXX XXXX this voluntary dismissal does NOT exist!! 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 XXXX 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 2016-05-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NE)

I have sent Equifax XXXX notices to resolve an issue on my credit report regarding XXXX XXXX XXXX XXXX which has to accounts on my Equifax reports. These accounts are now been negatively impacting my reports for almost 8 years. And because they have reached their 7 year mark, they need to be removed immediately. As I am trying to get mortgage.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

Using CREDIT KARMA at XXXX, and viewing my credit report, I disputed a report ( on EQUIFAX the reporting agency ) by XXXX XXXX XXXX who billed me on a balance when they were supposed to refund me a balance. Equifax Credit XXXX agency resolved the issue by taking that report off my credit report. In doing so, Equifax punished and/or penalized me by reducing my Credit Score by forty ( XXXX XXXX points : from XXXX to XXXX, and then added a remark that says, XXXX XXXX '. I had been deathly seek for years and my illness caused me to be financially handicapped. I worked hard to build it back up paying off thousands of dollars in bills that this same agency is slow to give me credit for. I am currently permanently XXXX and a veteran of the United States XXXX. Equifax needs to review their XXXX reporting system. It is not fair. I am now inclined to give up on building my credit if I am going to surfer set backs like this just because I filed a complaint against a business that is clearly at fault. Equifax can not be reached at XXXX or XXXX, or at their convoluted and cumbersome website to resolve this issue. Hence, my resorting to contacting C.F.P.B. Businesses, are always right is the message I am getting here. If I had known that filing a dispute or complaint will bring this much penalty or repercussion I would not have filed XXXX. Please help in resolving this issue. MY INFORMATION IS GATHERED FROM 'CREDIT KARMA.COM ' a website designed to give parallel/combined Credit Reports from Credit Reporting Agencies like Equifax and TransUnion XXXX
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MO)

I have on several occasions requested my annual credit report and waited the allotted time, and still have n't received my report from EQUIFAX. Then on top of that it will not allow me to dispute inaccurate information on my report such as the derogatory accounts not being mine. I have been denied credit because of information specifically in my credit file with EQUIFAX!
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

to who it may concern i am having concerns about the Credit report company Equifax, i Pulled my Annual Credit Report online XXXX XXXX 17. I Receive it so that means that i prove to be who i was stating to be i reviewed it saw things that did'nt add up disputed in a letter and provided my social security and My driver license, then received a letter XXXX XXXX 17 stating that the Identification i provided does not match there files, So does that mean everything on my credit report is unreliable and unverifiable. i uploaded the letters
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

I have written a few times and the bureaus just are n't doing anything for me and I am pretty certain that they are violating the FCRA by not correcting the items that I am disputing. They are reporting a bankruptcy on my file, and yet the accounts that are part of that bankruptcy still have " included in bankruptcy '' which is not supposed to be there. I have repeatedly notified them of this and they failed to remove it. They also did not provide any documentation whatsoever verifying anything.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

XXXX 
1. SETERUS was not responsive to payoff requests, which resulted in them securing more time to collect interest payments - I believe they owe me interest that they collected past the closing date2. SETERUS is now not responding to my requests for a refund of {$1600.00}, as escrow funds they collected for city taxes are no longer my responsibility as I sold the home and they are now the responsibility of the new ownerI sold my home with a closing date of XXXX XXXX, 2015. Beginning in XXXX, the title company began contacting SETERUS requesting a loan payoff statement. After multiple faxes and phone calls, SETERUS kept claiming that not only did they never receive a payoff request, the title company was n't authorized to request the payoff, and it had to be done by me, the homeowner. I made multiple requests via phone and online, yet it took over a week to get a response and we finally received the payoff notice after the closing date. My loan was paid in full on XXXX XXXX, yet they have XXXX XXXX as the payoff date, which gives them 3 extra days of interest charges. The issue now is that I am having a difficult time getting the city property taxes they collected returned to me. The taxes are due XXXX XXXX and are now the responsibility of the new homeowner. SETERUS can not keep the money they collected, yet they will not give me a definite answer on sending it back to me, just that the refund is pending. I have made multiple phone calls, and SETERUS does not have a way to be contacted via email. I need help getting SETERUS to send me the refund check for taxes collected, yet no longer my responsibility.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have made many attempts to rectify this issue with both Experian and XXXX XXXX XXXX XXXX. I never finance or open any loan account with XXXX XXXX XXXX. My sister open this account. This is not my account. My name is not on any financial instruments or obligation documents. I have called orange lake to discuss and as recent as today. I have yet to get any resolution to this matter. Please help me to get this account removed from my Experian credit report.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Experian is still listing an account that is past the 7 year reporting period in violation of the FCRA. XXXX XXXX XXXX account number XXXX. 
Attached is a copy of the item on my Experian credit report. Please note the STATUS DETAILS where it states that this account is scheduled to continue on record until XX/XX/2017.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AZ)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern 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 " XXXX XXXX '' 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.