davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WI)

I am trying to fix my credit reports. In Wisconsin, after 6 years adverse items should be deleted. I settled with XXXX in 2013 and it 's still on there, etc.etc. Experian has NOT followed up in proper manner. While the too big to Fail banks XXXX, XXXX, XXXX have sold to debt buyers, and paid the feds XXXX in fines, these credit bureau 's have not deleted adverse accounts, and, followed individual state statutes. I originally asked, pleaded to take to consumer settlements and have not been responded to.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (IL)

Our mortgage was transferred to Fay Services from XXXX XXXX XXXX as of XXXX/XXXX/16 due to us being behind on payments. On XXXX/XXXX/16, we made a payment of {$1800.00} which cleared our bank on XXXX/XXXX/16. On XXXX/XXXX/16 we made a payment for {$1800.00} which cleared our bank on XXXX/XXXX/16. On XXXX/XXXX/16 we made a payment of {$1800.00}. This check was sent back to us with a letter stating that they could only accept the full balance due for payment. Our XXXX/XXXX/16 statement had a balance due of {$6700.00}. On XXXX/XXXX/16, we sent a payment for {$6700.00} paying the balance in full as the letter requested. On XXXX/XXXX/16, we received a check from them in the amount of {$1800.00} refunding our XXXX/XXXX/16 payment. To date they have not applied the {$6700.00} payment and have put our house into pre-foreclosure. I called on XXXX/XXXX/16, when we received the check in the mail. I left a message for our account manager, and he still has not called me back as of XXXX/XXXX/16. I finally got to another representative on XXXX/XXXX/16, who hung up on me in the middle of explaining our payment application issue. My husband called on XXXX/XXXX/16 and left a message for our account manager and has not received a call back either. He spoke to another representative who said he would look into our {$6700.00} payment and call him back by the end of the day. He did not receive a call back. I checked our account online this morning, and not only have they not applied the {$6700.00}, but they have put a property preservation notation on our account for the pre-foreclosure. In addition, they told my husband we would owe additional late fees for the money that they returned back to us. Our XXXX/XXXX/16 statement shows a late payment will be assessed if the full balance of {$6700.00} is n't paid by XXXX/XXXX/16. They are holding onto our funds to accrue late fees, and sending payments back so they can continue to refuse payments for payment not being paid in full.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CO)

I was involved in a real estate investment over 10 years ago. I lost XXXX propertis to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a XXXX late mortgage only on Experian. We have disputed this numerous times and asking for proof of the loan. The company is XXXX XXXX XXXX. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to Experian continues to be they are reporting accurately. Experian has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach Experian credit reports. 
Thank you for your assistance!
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

About 6 months ago, I opened my first Citi Bank checking account. I opened this account due to a promotional offer, which after completing a few requirements promised to award me XXXX XXXX XXXX miles. I completed the requirements, including the minimums of two consecutive months of bill pays and {$1000.00} of debit transactions. Additionally, I spoke directly with a Citi representative regarding my account, and the representative confirmed that I was indeed eligible for the promotion and that I had also completed all requirements to receive the bonus miles. I have waited 4 months for the miles to post, and have still not received them. Citi has not been able to give me an estimated time of resolution for this matter either. I am quite unhappy with the way I have been treated, and would expect for the miles to be awarded as I have completed my end of the promotional offer.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

To whom it may concerns, I am writing regarding a few accounts that have been on my credit report with Equifax for more than 7 years. I have contacted Equifax many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Equifax has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Equifax and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   /  XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD  XXXX    XXXX   XXXX   XXXX   (  XXXX    XXXX    NEVADA ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Thank you
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I have checked my credit report that Experian sent and they claim to have verified data that is inaccurate. I was sent no proof, just a updated report with the same inaccuracies. I have attached a letter to prove the inaccuracies from the most updated report I received from them # XXXX. This is my due diligence to correct these inaccurate items. Any response that claims the verbiage is similar to a third party will be considered a stall tactic and recorded to support a claim in small claims court and a FTC complaint. Attached is my identification and letter proving the inaccuracies.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

I have been working with Experian for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. ) There are also XXXX judgments that have the wrong filing dates. No matter what I do and say, they refuse to do anything.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (MD)

I had a Macy 's credit card. The account had gone into collections in XXXX. On XXXX, I called and offered that I would pay off the account in full -- however, only with the condition that Macy 's agreed to then request the XXXX credit bureaus delete the account from my credit file. The agent, XXXX # XXXX told me that if I paid the account off in full, I could then submit a " credit bureau dispute '' to their office, at fax # XXXX and request a deletion, after which they would delete the account. I paid the full balance of {$320.00} and I sent the credit dispute to Macy 's office by fax on XXXX. I called on XXXX. The agent said that they completed the review, but mailed the response to my old address. I requested that it be sent to my new address. She refused. She also said that they declined my request. Thus the initial Macy 's agent falsely promised that if I followed the steps outlined, they would delete the Macy 's account from my file. It appears that he lied in order to get a commission on the payment. This is dishonest.
Consumer complaint received 2020-10-06
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. (AZ)

I submitted a previous complaint # XXXX to CFPB as Equifax had no data for my loan office to obtain. I was contacted by XXXX XXXX from Equifax whom asked me to provide a copy of my drivers license and Social Security card so she could verify my identity. After numerous back and forth conversations, she advised me that my account was taken care of. Well needless to say, my account is far from taken care of. I am attaching a copy of the credit bureau data for all 3 credit reporting agencies and Equifax is showing me a credit score of 4 with no data and both XXXX and  XXXX  have a credit score for me of XXXX & XXXX and substantial reporting data. Equifax is restricting my ability to be able to secure a home loan as they have no reporting data for me and a credit score of XXXX  How can a credit reporting agency impact a consumer this way? I know the CFPB takes matters like this extremely important. I feel I am not being treated equally and I have asked numerous times for Equifax to explain what happened and why this has become quite the cumbersome task that I am asking them to complete. Doesn't Equifax have an obligation to report the facts on my credit report? How can the facts be reported accurately from 2 other credit reporting agencies? 

I have reached out to Equifax numerous times since XX/XX/XXXX and it is no longer good for my health or well being to be put in this situation. I feel they are discriminating against me based on my background that I have shared with them and my age which is why I am asking the CFPB to get involved and resolve this matter. I have been working with XXXX XXXX, from XXXX XXXX XXXX  for almost a month now and he is waiting on answers as well to why he can't obtain any information on Equifax.
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

*****this is not a request to put any personal freezes or fraud alerts on my account**** There are XXXX specific items that are reporting on my credit file that are not meeting FCRA guidelines under section 609. I have continued to ask Equifax to send me the proper documentation and they refuse. The original creditors have not responded to my requests by writing and that process started back in XXXX of 2016 so enough time to respond but have not. 

1. XXXX XXXX XXXX in XXXX XXXX MN XXXX as told me on the phone that they do not have the original signed documentation for this debt of {$100.00} and yet Equifax still lists it on my credit report. They are specifically violating section 609 and no on wants to do anything about it. They have already been fined for breaking the law in the past and this is no different. This account can not be properly verified or validated and yet they keep reporting it on my credit file. 

2. XXXX XXXX XXXX is trying to collect on a debt from a XXXX XXXX XXXX. When I have reached out to this practice they can not produce any signed documents from. Also when I asked them to produce a signed HIPAA release form showing that if I were the patient owing this debt that I gave them permission to release any part of my medical file so they are technically in violation of Federal Law. Equifax can not verify this debt per section 609 with an original source document. 

Please understand that it is not my responsibility to reach out to these companies and to verify the debt. If you are going to list a negative item against me you must produce original documentation with my signature showing this debt is mine and you have been unable to or unwilling to do your job per the law.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

My Insurance Company, XXXX XXXX, increased our auto policy due to no credit rating for me but did have credit rating for my wife, but it lowered our credit score. 
Checking with XXXX XXXX ( contract firm who collects credit data for ins. co. ) they supplied me with a listing of the information they received from Equifax, the credit reporting company they use to provide info to the insurance company and said any corrections would have to come from Equifax. The report has indicated that along with my personal credit record, they include an entry for one XXXX XXXX XXXX, XXXX with a SS # that is almost identical to mine except for XXXX ( XXXX ) digit, XXXX instead of XXXX AND XXXX XXXX is now deceased. The record shows my address I have had for 24 years and his former address was in Florida but they added my address instead. I tried to resolve this with Equifax twice and each time I was directed to request a copy of my credit report from them again and submit more copies but each request got only another form letter asking for more information to be submitted. The last request I sent ( third time ) I included copies of my birth cert., social security card, XXXX copy, drivers license, XXXX utility bills with my address ( even after my supposed death ), and still got the infamous form letter for more of the same information to be submitted. I feel this is a clerical error on someone 's part adding the incorrect information to my file.
Consumer complaint received 2015-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

They are reporting bankruptcy to all XXXX credit buros XXXX XXXX eqifax and XXXX the information is incorrect it says it was discharged in XX/XX/XXXX but it was discharged in XX/XX/XXXX that 's 13 years from now it was chaper XXXX which should only stay on 10 years the most this is hurting me from getting a house for my kids n I and I have reestablished credit over the years and this is still coming up the credit report company 's are sending no proof to back up there claim I want it removed at once or ill sue
Consumer complaint received 2023-01-05
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: GOLDMAN SACHS BANK USA (TX)

According to my consumer report I received dated XX/XX/XXXX and XXXX XX/XX/XXXX. I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. 

Due to your companys neglect and unjust actions it has cause damage to my consumer report. You company fails to thoroughly investigate and you staff has given misinformation on important information constantly on recorded phone lines! 

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. Inaccurately. These accounts should PROMPTLY be updated as PAID/ON TIME : XXXX Bank XXXX XXXX Acct. # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

There is an unauthorized and fraudulent account from XXXX XXXX for {$270.00} listed on my Equifax credit report. This account do not belong to me. I have never had an account with XXXX XXXX. The account is the result of identity theft.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the XXXX Bankruptcy Court XXXX XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (CT)

My attorney ( who was authorized by me ) submitted a request for a Mortgage payoff statement 2 weeks ago to Seterus Inc. She was told it could take 7-10 business days. She followed up several times during that period and was told that it was still within the acceptable window and that the statement was being processed. She was given information during that time frame that she should not have received if she was authorized by me to do so. I followed up today and was informed that she was never truly authorized and that it will take an additional 7-10 business days. Neither me nor my attorney was informed of this. Quite the opposite, we were told everything was within standard procedure. Now, instead of being able to close I may not be able to sell this house. A process that most companies can do in a couple of hours take Seterus a month. They are holding on to the money as long as possible to try and make as much as they can off of the interest, meanwhile I am in jeopardy of being financially ruined. They told me they have the ability to escalate this request, but refuse to do so. Their underhanded business practices and complete lack of compassion and even human decency is appalling.
Consumer complaint received 2021-09-01
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. (WI)

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX asked to certify using metro 2 not done asked the company to certify using metro 2 and they did not do it
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Inaccurate information on my credit report on accounts i have, some in good standings and others wrong amount reported. 
XXXX, XXXX XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

I have disputed this banruptcy XXXX times as a dismissed bankruptcy, and equifax keeps stating they have verified it as a discharged backruptcy which is inaccurate, and only this credit bureau shows it as a discharged bankruptcy which means they are not verifying this information as they should with the courthouse or whatever method is being used.This bankruptcy was never fully completed, it was only filed and never discharge, it was dismissed.So this record has been inaccurate and i do not believe equifax is actually verifying this information, this will be easy to prove.There should be no reason for other reporting agency to obtain the accurate information while equifax cant? This info continues to be reported incorrectly and now should be removed because of the failure to properly report it, since it has been proven that no investigations actually have been taking place, as required.This item should be deleted immediately on that basis, otherwise report that the Fair Credit Report Act is being disregarded.