davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

Please see the CFPB number listed below and the response from Equifax. Equifax stated they would send a copy of my credit report and score, which they did not ... I was denied credit based off the score Equifax provide XXXX XXXX. I have Equifax Monitoring system, and they score is stating I have an XXXX, but the score provide to XXXX XXXX is XXXX ... I have attached the letter from Equifax stating they would provide me with my score. I attached the letter they sent as always they are trying to hide the truth! 
Please question why Equifax did not send the score and report as they promised. Now, I have been denied credit because if there concerns with keeping consumers credits score low for greater interest rate for banks and others. Please see all the attached letters and sue Equifax for there action and I will consult an lawyer as well. 

How can Equifax provide a score directly from there site and give a creditor a totally different score .... XXXX stated they got that score directly from Equifax! Please see pictures and letters. Someone is not telling the truth and the lawyer will find out as well. 

# XXXX Response disputed Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. A revised copy of your credit file has been sent to XXXX XXXX. Equifax has sent you a complimentary copy of your credit file with credit score on XXXX/XXXX/16. 
Written confirmation has been mailed to you.
Consumer complaint received 2015-11-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MD)

Equifax Office XXXX XXXX XXXX, GA XXXXFax number XXXX XXXX ( once you reach an agent ask to transfer to office XXXX ) I was nastily informed that the Office XXXX made a " in house decision '' that without my consent they had the right to house my credit file and put an alert on there to freeze my credit report without my permission and not disclose any information to me as to why they did it. I received no notification via mail. I was advised that no creditor of my choosing will view or pull my report unless they call a XXXX number first. I did not authorize this. I received many run around and faxed much documents but no avail. I want my credit file with no Fraud Alerts and no freeze and to be open and Available for viewing at any time not just 24-48 hours then re-locked. I informed them I am not the victim of identity theft after verifying much information. but no avail. I was rudely informed by Equifax Office XXXX that my file is with them " indefinitely " I was advised of many different things by different agents in that department of Equifax which is very inconsistent. As a consumer I am very angry and unsatisfied with how I am treated. I do not want my credit being handled by this department of Equifax. I ask that they follow the LAW guidelines of The Federal trade Commission and not there own.
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (MD)

I have twice paid to have a credit freeze removed from Equifax and they will not lift the freeze and do do not respond to online inquiries. This company should be driven out of business by the Feds they are defrauding people. XXXX and XXXX are never a problem. Only Equifax
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NH)

The debt in dispute is actually a much bigger problem that it appears. First of all the account was with XXXX XXXX, in default XXXX XXXX. The Fair Debt Collection Practices Act is in play here. The timeline for any collection process ended at six ( 6 ) years in the state of New Hampshire. That date has come and gone. Secondly, XXXX XXXX sold the debt without any assigned proof, and the collection agency maintains a negative item across the board on all credit bureaus, along with XXXX XXXX. Under the Fair Credit Reporting Act, the XXXX XXXX account is at seven ( 7 ) years past the first late payment, and as the 7-year rule goes, all aspects of the account must be deleted permanently. I demand a purge of my information from both XXXX XXXX and XXXX XXXX XXXX. I have attached a copy of an illegal collection from XXXX XXXX XXXX. By law, this matter is dead on all levels. There is no further attachment to credit as well as collection. I demand this account be deleted permanently by XXXX XXXX XXXX in addition to XXXX XXXX. I demand a full review of this illegal collection practice by the Consumer Financial Protection Bureau, a division of the Federal Trade Commission mandated under XXXX XXXX XXXX. This matter must be resolved immediately and all aspects of my file information must be purged permanently. The attached credit bureau posts show the first late payment XXXX XXXX, and as such the timeline can not be extended. Accordingly, I am well within my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (IL)

I was offered a streamline modification in XX/XX/2016 from Seterus Bank. I made all the trial payments and received permanent paperwork in XX/XX/2016. I continued paying for XXXX and XX/XX/XXXX. They are sending me paperework that I am past due. I am not past due. They have not sent back the permanent loan modification paperwork back to me, leading me to believe my loan is not modified.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

I purchased the home at XXXX XXXX XXXX XXXX in XXXX through XXXX in XXXX of 2003. I have never been late on a payment or had any issues in the, almost, 13 years since. Since the inception of the loan I have had the mortgage taken directly out of my checking account. 
In XXXX of this year, after a 3 month interview process, I was offered a job in XXXX XXXX. I started with my new company on XXXX XXXX. From the day I accepted the offer my life has been upside down. I have a XXXX, a XXXX year old and a XXXX year old. I had one month to find a place to rent in XXXX XXXX, tie up loose ends with my employer, figure out health care ( a must with XXXX little ones ), find a new pre-school etc. Since we did n't have any time to look for a new home we are renting a small condo in a rough part of the city. My wife agreed to the area because it was " temporary ''. We were to move here for a couple of months while we found a new house. We are now past the holidays and are starting to look for a new home. With everything going on I did n't notice that the mortgage had n't been deducted from my checking account. I have n't given this a thought in the last 13 years! I thought that an automatic deduction was the safest way of paying the mortgage. I never received any notification that the mortgage holder had changed. 
On Wednesday XXXX XXXX I received a call from someone in the XXXX. This was the first inkling that something was wrong. XXXX called me in the middle of a meeting. I had to tell her that I would call her back. That night I looked my checking account and realized that the mortgage had n't been taken out since XXXX. As you can imagine, I was upset. Anything negative on my credit can potentially ruin my chances to get a new home loan. I called XXXX back the next day ( Thursday the XXXX of XXXX ) and gave her my checking account information to pay off all of the unpaid balance. Of course, I had all of the money ... it had just been sitting in my account. On Friday, the XXXX of XXXX, I called back to follow up on the payment because I did n't see that it had been taken out of my checking account. It was at this point that I realized how this could truly harm my family and me. The organization had reported a 90 day late and 60 day late to the credit bureaus. I will not be able to get a loan with this on my record. This would effectively take me out of the market for a new mortgage for years to come. I know that I should look at my account carefully and I usually do. The last couple of months have been crazy for my family and me and it just did n't dawn on me that this would ever happen. It was a total surprise that I rectified as soon as I could. 

This is in regards to Experian.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (LA)

I disputed the XXXX account listed on my credit file XX/XX/XXXX. Experian responded stating they updated information. When I reviewed the information the payment history on the account makes no sense. The report the account with late payments in XX/XX/XXXX then charged off in XX/XX/XXXX then suddenly begin reporting late payments again of 180 days late XX/XX/XXXX-XX/XX/XXXX the suddenly begin reporting the account as a charged off account again XX/XX/XXXX. I had no idea that an account could report as charged off and report this way for many months then suddenly begin reporting late payments again years later. So I sent a second dispute in XX/XX/XXXX pertaining to this account and Experian responded stating they believed it was a suspicious request and they were n't going to address the matter. However, after reviewing my credit report tonight on line with Experian, I noticed that more information still changed pertaining to this account even though they were n't going to address my concern, the still allowed XXXX to report more inaccurate information. This time, the account reports as a late for XX/XX/XXXX-XXXX then charges off. It then begins reporting the account as 180 days late XX/XX/XXXX-XX/XX/XXXX the marks the account as a charge off XX/XX/XXXX, the again begins marking the account as 180 days late for XX/XX/XXXX and XX/XX/XXXX then again the account begins being marked as a charge off again. This is different than what XXXX shows and either way is completely illegal and only takes common sense to realize the account is misreporting. RAther than sending me back a letter stating that they suspect suspisicous acitivity with me, the should be suspecting suspicious activity with XXXX and the way they continue to report inaccurate and illegal information. I 'd also like to dispute the social security number reporting on my credit report that I 'm just now noticing ending in XXXX because that is not my social security number. I 've already provided Experian a copy of my social security number and there is no reason for a XXXX to report on my credit report other than the XXXX they have proof of.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

Experian has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. XXXX has a 30 day late in XXXX that should have been removed by now. XXXX, XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? XXXX shows a late date in XXXX that should have been removed by now. XXXX, XXXX, and XXXX have refused all of my requests for validation and I feel that at this point it should be assumed that they have no proof because it has been so long.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MO)

I challenged a public record for a civil claim that showed up on my credit report 3 years after this was filed and then withdrawn. It only showed up after having my credit report pulled for a mortgage. When I challenged the accounts with XXXX and Equifax , XXXX removed immediately because they could not verify the information. The XXXX XXXX county courts do not verify or validate information with the XXXX reporting agencies at all. Then I challenged the public record with Equifax and asked for validation of their source and the information required by the FCRA to put such information on my credit report knowing that their is no record of this anywhere. Again Equifax ignored the request and the account is still on my credit report. Equifax sent back responses however they did not list the Judgment that was challenged, they only listed other items on my report. .They are violating my credit reporting rights and causing me financial distress while Im trying to get a mortgage. Please help me. I have attached a credit report that was pulled in XXXX this year, XXXX response showing they deleted the item, Equifax 2 responses that ignored or even listed they were reporting the judgment at all but as you can see they are.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I have two items on my credit report with Equifax that I attempted to dispute in XXXX. I never received any notification on the status of this dispute. Today I called and was transferred to 3 different representatives and received absolutely no information on the status for the resolution of this dispute. Ask them what evidence or information they had to provide me with an order to show that this was my account or my claim and they can not find me with anything I 'd like to make a complaint against Equifax as I do not have any justification as to why this is on my credit bureau. These items are not appear on my XXXX credit report and this is negatively affecting me.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

I have tried fro XXXX months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

I am a victim of Identity Theft, my name was used to open a XXXX account and XXXX cable account. I contacted both companies, disputed the accounts, both creditors provided me with letters stating they acknowledge the accounts were fraudulent and would notify the bureaus to remove the inquiries. On XX/XX/XXXX I mailed a certified letter, tracking number XXXX, including my police report, DL and proof of address advising Equifax to remove this. Equifax failed to remove the inquiry. On XX/XX/XXXX, I again disputed the XXXX and a XXXX inquiry off my report and Equifax again stated the inquiry is factual and told me to call the creditor. I already included copies of a letter from XXXX clearing me of the debt in XXXX and a letter from XXXX XX/XX/XXXX showing I contacted the creditor, yet am being told to contact the creditor. 

Equifax is failing to complete an investigation timely and accurately, they are impacting my credit rating and reporting items that are fraudulent to my files.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Equifax refuses to remove unverifiable negative information on my credit report. They continue to show a charge off of an XXXX, unsolicited account, # XXXX, claiming I was a personal gaurantor on this account. I have repeatedly requested both Equifax, and XXXX, to show me ANY documentation with my signature as gaurantor, in any capacity on this account, and they have not been able to do so. Both XXXX and XXXX have investigated this issue, and have removed it completely from my credit history. I am respectfully requesting that you look into this matter with Equifax, and if as they claim, have signed documents that I was personal gaurantor on this unsolicited corporate account, to please mail me said documents so that I may see it for myself. Other than that, I feel you should require that Equifax remove this item completely from my credit history, just as XXXX and XXXX have. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX : XXXXXXXXXXXX : XXXX, Acct . # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

fraud department told me the SSN and name matches records and that the account is mine when i 'm disputing i never applied, or used the card. i requested for billing statements from account open to charge-off and bank records for purchases and payments, but they were not able to provide me with documents. if they are not going to carry on fraud investigations then i will have to file police reports to get them to release those documents and ultimately press charges against XXXX XXXX for fraud. there are XXXX other accounts, all fraud committed in the 2013 year with XXXX of inquiries for credit. XXXX i already have filed a complaint for not co-operating.
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (MN)

I spoke to an account representative about an interest rate reduction. They offered me 16.24 % APR which I specifically asked if it was the best rate they had. They said yes. I manage my finances online using a number of bank aggregators who actively look for the best deals in banking, credit cards and loans. The advertised rate was significantly lower than the one I was given ( 10.99 % ). When I called to try and resolve this issue with them, they were dismissive and were not even open to the idea that mistakes can happen on their end. My credit has been above XXXX for the better part of a year, no significant debts or credit inquiries. If I do not qualify for prime I 'm not sure who would.
Consumer complaint received 2015-09-23
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: P.S.C., Inc (WA)

Puget Sound Collections is attempting to collect this debt in an unfair and unconscionable manner. I have stated numerous times the debt in question is unrelated to my XXXX accident, and therefore, I wanted to pay this debt immediately. Each and every time I spoke with a Puget Sound Collections representative, they advised me they would not speak to me as I had attorney representation. I have tried to take care of this debt however, Puget Sound Collections will not speak to me about the debt or tell me how much I need to pay to satisfy this debt. These actions are unfair and they are financially harming me. I hereby request that Puget Sound Collections take the following action : 1 ) remove this negative reporting from my credit bureau at once, 2 ) have a manager speak to me about my debt so I can make arrangements to satisfy this outstanding amount ( if the debt is truly non related to accident ). And last but not least they lied to me and my attorneys office stating this would not go on my credit until the accident has been resolved. They spoke with my attorneys office in XXXX 2015 and as of XXXX 2015 it has now been put on my credit report dropping me down XXXX points. I have worked to hard to have the cruel people ruin this. I Have No DEBT Was NOT Even Informed About this bill Until Months after and I have No Clue If IT Was even put Through My health Insurance thats Carpenters union. I 'm beyond upset by this company 's actions. Please help.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AZ)

I obtained my credit reports from all XXXX agencies. I started to dispute information that was incorrect. I even uploaded bank statements and letters from the court house showing these items were paid or released. When I disputed the information, Experian in particular, would respond to me in less than XXXX hours stating " the information has been verified and please contact the company '' I find it hard to believe this company investigated with a company when the dispute was issued at XXXX at night and then I heard back from them at XXXX in the morning, via email. When I tried to resend them information showing it was paid with receipts, their system refused to let me up load or resubmit and investigation. I called them and placed on hold, and hung up on 3 times. Experian even reissued negative information on my credit report when I showed them the information had been paid. Experian is the company that is refusing to work with me, will not file disputes correctly, and when they do have to correct information they present it in a way that leaves a creditor wondering if it is paid, example the balance will say zero, but they will report it as a collection and open and for the balance they will put N/A versus paid/closed collection. I do not know what else to do, I have supporting documentation that these accounts are paid, I have had some credit issues, but I have paid them, it is only right by law they correct the information and not in a way that damages me further. Because of the way that Experian reported information, my credit score dropped by XXXX points even though it was paid, it was strictly because of HOW they reported the information. With the creditor XXXX, I have shown bank statement and screen shots that these bills are paid and they keep them on my credit. They also have XXXX different social securities numbers on my report and every time I call a number then I am transferred 4 times. Please help, I do not want to hire a lawyer because that is more money out of my pocket,. Thank you
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

Equifax refuses to remove an account from my credit report from XXXX. I have notice received through the Consumer Financial Protection Bureau from XXXX stating that they have requested Equifax to remove the account information as of XX/XX/2016. Today is XX/XX/2016 and Equifax continues to report this incorrect information. I submitted a notice through the CFPB with a copy and they ignored the letter. I am re sending this as a final notice that this should be removed. It is unfair for them to continue to damage my credit reporting
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (LA)

I have attempted to get this inaccurate judgment removed from my Equifax and XXXX credit reports for months. They keep referring me back to the courthouse and when I contact the courthouse, they are indicating that they did not report nor do they do any reporting to the credit bureaus, so they ca n't help me. 

The staff at the courthouse also provided the above information in writing. After submitting it to XXXX and Equifax, they still refuse to remove this inaccurate information from my credit report.