davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

XXXX/XXXX/15 : UPDATE i HAVE SUBMITTED A REVISED POLICE REPORT AND YET STILL THE ITEMS REMAINS. And just recently Equifax has added back old addresses in which I have disputed months ago to be removed. 
I have submitted this complaint to have this charge-off accounts off of removed from my credit report on at least three occasions. Three times I have mailed in my dispute and I have also submitted my dispute via CFPB and online via Equifax dispute portal. The items that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEach time that I have disputed these accounts Equifax has stated to me that they have come back verified and belonging to me. Impossible, I have attached a police report, FTC Affidavit that least these accounts to be removed and I have also included Equifax 's own credit report that still lists the account on my credit report and an email and the delete report from one of the charge off account stating that they are deleting the account listed on my credit report due to fraud. I have submitted the same information to XXXX of the other Credit Reporting Agencies and they have removed all of the accounts but Equifax continues to do the direct opposite from what they are suppose to do. I spoke to Equifax customer service and fraudulent department on XXXX/XXXX/15 and they have again stated that the reports have come back verified. No matter how much information I send to them to show that these accounts do n't belong to me they still say they do. How can you do a detailed verification when you actually do n't. I need all XXXX of these accounts removed from my credit report and an updated report sent to me as soon as possible. Since this has taken already 60 days to do I believe 15 days for them to complete their job is suffice.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I disputed XXXX unauthorized inquiries on my Equifax Credit Report. The other XXXX reporting agencies removed the inquiries after a properly and timely investigation. However, EQUIFAX whose in the habit of pleasing creditors, refused to perform the required investigation. I submitted my dispute on XX/XX/2016 and it completed its investigation on the day, citing " Inquiries are a factual record of file access ... '' and therefore, refused to investigate the unauthorized inquiries. I read online XXXX complaints from other consumers who experienced the same issues with EQUIFAX when disputing inquiries. This agency should slap them with a lawsuit to cease and desist them from doing that
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I am filing a complaint against Equifax and the creditor Voluntune for defamation of my credit. 
on XXXX/XXXX/2015, I discovered the creditor XXXX has been reinserted into my credit profile. 
The credit bearu is required to notify me within five ( 5 ) days of reinserting a prieviously deleted item. I did not recieve any such notification. 
I have requested Equifax to delete this item Immediately from my credit profile. 

I am ready to file a lawsuit against the creditor for reinserting the preivously deleted item under the fair reporting credit act.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Equifax is in violation of the FCRA by not giving my case a fair investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all fradulent accounts. XXXX XXXX XXXX claims the account has an address in XXXX Virginia, that it was closed out with my wife 's maiden name on it 2 years after we were married, and has also claimed that they filled a XXXX with the IRS stating that it has been claimed as miscellaneous income and therefore the debt can not even be collected since it was declared as income. XXXX XXXX XXXX had a settlement agreement with me stating that the debt can never be collected upon as well as being fradulent and XXXX XXXX has never provided me with the results of their investigation. All XXXX of these accounts are fradulent and were opened by an identity thief. Neither of these banks has ever provided me with a contract and Virginia law states that with no contract produced, these companies have 3 years to collect and it has passed 3 years. I have provided proof of everything I have written to Equifax who refuses to investigate and says that my name, SSN, birthdate, and address are correct according to these companies, of course they are going to say that, they want money and do n't care who gives it to them. Equifax is in violation of the FCRA, judges have found in favor of plaintiffs against Equifax many of times stating that the only information Equifax requires for a report is not in compliance with the FCRA since that information was used to open the accounts. If Equifax wants to part with money then I will take it, but I will be able to show a judge that I tried in good faith to keep this out of court. Equifax has until XX/XX/XXXX to remove the fradulent information or my lawyer will file the paperwork with the court to begin a lawsuit. I will not settle, so this gets fixed now or infront of a judge.
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

There has been an bankrupty on my account that keeps updating ive went to coweta court house in gotton paper work showing debt was discharged there was never a bankrupty that was taking place nor have i ever went to court for this case. I will like for this iteam to be removed i have all docm. if needed
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

THEY DELETED A COLLECTION AND XXXX CLOSED CREDIT CARD ACCOUNTS ON XX/XX/2017 AND REINSERTED THESE ITEMS BACK ON MY CREDIT REPORT ON XX/XX/2017 WITHOUT GIVING A NOTICE OR REASON AS TO WHY THEY WHO DO THAT. I ATTACHED PROOF THAT IT WAS SUPPOSED TO BE REMOVED
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

Hello. I have had nothing but problems for years with EQUIFAX. I recently filed Chapter XXXX got all my debt cleared trying to have a fresh start. I have asked EQUIFAX to remove all inquires I circled and sent them from my Equifax credit report. I have had so many people pull my credit unknowing since filing bankruptcy to offer me car deals and send stuff through mail. I also saw a change within a week of my credit score dropping XXXX points from where?? They have not provided why my score dropped so drastic. it is bizarre because XXXX and XXXX have honored my requests and my score is XXXX on both Equifax reports XXXX in XXXX XXXX and now XXXX XXXX XXXX something is clearly wrong especially since I have not occured any more debt and XXXX points is massive to not know where and why it dropped and came from. I always get a auto generated message from them no answers to why or how they found the information. They just say call the person inquiring but they say call Equifax!! Please help me I am restoring my life and trying to open a non profit for children in human trafficking. This is frustrating and unfair. 

RespectfullyXXXX XXXX
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OR)

On my credit report I notice a delinquency, for a charge of {$190.00}, that had been sent to collections. I had never received that service ( XXXX ) or received a bill from ( XXXX ). XXXX has acknowledged the mistake and has claimed to be fixing the issue. I did not find out about this charge until the credit report.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have contacted Equifax multiple times to inform them that they are reporting someone else 's outdated Public Records information on my credit file. Transitions have not removed this information from my credit file to date. The XXXX/XXXX/2010. I need your assistance in getting this matter resolved and removed from my credit file.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam, I have requested my annual report online like I do every year. Equifax tells me I am denied my free report and has asked me to MAIL them a copy of my social security card, my XXXX and my driver 's license copy. I am 100 % confident that I have answered all my verification questions with care and correctly! It seems like they are looking for the smallest reason to deny reports to consumers. I have contacted an agent who only gave further attitude and threatened to cut communications. I have an email saying my report is ready and I have an order number form Equifax. I successfully logged in to my account but all I see is buy now buttons! Nothing is free! Equifax is not letting me see my free annual report that was granted to every US citizen by federal law ( s ). I am writing to let you know that Equifax is being very aggressive and using everything not to let me see my free report. All they do is solicit me for selling their products! They are using my email to get me to log in to buy products from them! They are not giving me my free annual credit report! 
Thank you for your help and taking time to look into this issue.
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I had a case opened with equifax here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX XXXX, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. '' XXXX
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

This is my 8th letter to all XXXX bureaus and I 'm making complaints against all XXXX of them. I also keep receiving notifications from Experian that they will no longer investigate these accounts and the first notice I received was after receipt of the FIRST letter! That 's in violation of the FCRA and I 'm not an idiot.Once I notify them that their findings are wrong, they legally have to investigate! I notified them that if they did n't comply with the FCRA that i would make complaints so here I am. Experian, specifically, is reporting late payments that i know to be incorrect and in XXXX, 1997 it specifically states that Congress says that the FCRA is in clear language that they need to reinvestigate and go beyond the original source of information to ascertain that the information they are receiving is complete and accurate. Congress also states that the only way they can legally verify something is with firsthand knowledge which means that they have to have the actual documentation that proves that i was late. So does that mean that they have the creditors ' bank statements to show when my payments were received? No, they do n't. So then how are they verifying this information? By using XXXX and parroting what the creditors say? That 's not legal verification! Do I have to take them to court? How are they going to prove it then? They 're not going to be able to do so and I will win and they will need to pay me for XXXX up my life, my credit, my finances, my income ; everything. Here is the information that i am disputing with Experian : XXXX - You violated section 611 of the FCRA which states that you can not reinsert a previously deleted negative item without notifying me within 5 business days of said reinsertion, which you did not. I was not ever late on this account. Remove this immediately XXXX - You violated section 611 of the FCRA which states that you can not reinsert a previously deleted negative item without notifying me within 5 business days of said reinsertion, which you did not. I was not ever late on this account. Remove this immediately XXXX - where 's your proof that I was late? I know for a fact that I was n't and you still report it as such, so remove this right now XXXX - I asked for the proof that I was late and of course you did n't provide it and neither did the creditor, so you need to remove this. Someone seeing my name on a screen is NOT legal verification and you must have firsthand knowledge, which you do not, so take this off immediately XXXX - once again, you have this marked as 30 days late and I know that I was n't late for that month and you have n't provided anything and I know that you do n't have firsthand knowledge so remove this XXXX - I already told you that I was n't late. This needs to come off my of credit file. Where 's your proof? You do n't have any! 
XXXX - # 1 I was never late on this account # 2 you have the wrong open date of this account and # 3 you have n't provided any proof. Remove this right now
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

I disputed XXXX tradelines in my credit file & report that does not belong ( XXXX XXXX XXXX, XXXX ). The company reporting the tradelines had no right to be reporting any information on me to any CRA. As a 2nd issue, the information is also inaccurate and incomplete. I disputed this information with XXXX, Experian and XXXX. XXXX has recently deleted the XXXX tradelines. Only XXXX & Experian are still reporting. To date, I disputed the tradelines 3 separate times directly with each CRA. I also disputed the alleged accounts with the furnisher directly on at least 2 separate occasions. At no time did the CRAs forward to me any documentation supporting how they veirifed the information & tradelines. I want the items deleted asap because at no time was the company a creditor of mine nor were they working on behalf of a creditor of mine and XXXX & Experian did not & could not conduct a reasonable investigation under the statute without the proper authenticated documents. Also, how could this information be deleted in my XXXX credit file but be verified in my XXXX & Experian credit files & reports.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CT)

I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the second score ( XXXX ) was nearly the same and the third score was super low ( EXPERIAN ). All three reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( XXXX, XXXX, and experian ) had three different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

Experian is reporting an inaccurate Dismissed Chapter XXXX BK filing with the Illinois Federal BK Court case # XXXX associated with a social security number # XXXX I have disputed this several attempts to have it removed based on the FCRA Law of inaccurate filing. I have contacted XXXX XXXX XXXX that the Experian Bureau says they are verifying the information. Experian keeps stating " IT IS VERIFIED ''.
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (FL)

My Mom passed away in XXXX XXXX. Her mortgage company, M & T bank, refuses to give me any information even though I am on the original mortgage and the title to the house. The house has been sold in XXXX and the mortgage paid in full. I am asking for the XXXX, and a refund of the escrow account. They refuse to do anything. They have NOT sent these documents out at all as we had the same address before she passed. Even if they sent this to her home address, it would have been forwarded to me. I believe the law is 30 days from payoff for the escrows, and XXXX/XXXX/XXXX for the XXXX. We have received nothing. Please assist. Thank you!
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

My identity was stolen in early 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX JUDGEMENT. 3. XXXX BANKI Feel like Experian is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (VT)

I originally had a mortgage with XXXX Bank. A few months ago the loan service was transfer to Statebridge. I had a " hail damage '' claim and the checks had to be forwarded to the mortgagor. Currently, Statebridge has the estimated {$25000.00} in their escrow. 

I have given everything Statebridge has requested from me. They even paid an adjuster to take pictures and monitor the progress of the house repairs. The roof is completed and the siding is 90 % completed ( waiting for the windows ) I spoke with a XXXX XXXX and she said on XXXX XXXX, 2016 that she would releace the money so I could paid the contractor and part of the Supply bill to XXXX XXXX XXXX. 
I have faxed and or e-mail XXXX XXXX and the company. As of this writing Friday XXXX XXXX, 2016 at XXXX XXXX no one has responded to my correspondence. 
The contractor has workers that have families to shelter and feed and their is no reason whatsoever that Statebridge should hold the monies Your assistance in this matter is greatly appreciated.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (TX)

Recently, in XX/XX/XXXX, our home mortgage was discounted ( sold ) to Statebridge, LLC. Statebridge failed to pay our property taxes from the escrow account in XX/XX/XXXX, costing us {$1.00} in taxes. As a matter of fact, Statebridge waited until XX/XX/XXXX to pay the property taxes which are due each XXXX. 
Our accountant has advised us that this company has really made a huge mistake and should be held responsible. 
Statebridge is the worst finance company we have ever dealt with. They are tacking on miscellaneous charges to our mortgage payments that their representatives ca n't even explain! 
We want Statebridge to reimburse us for the {$1400.00} that they cost us by paying our property taxes too late.
Consumer complaint received 2015-06-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patenaude & Felix A Professional Corporation (NV)

This debt collector has been assigned to collect a debt for XXXX/XXXX that is involved in an FBI fraud investigation for a year and half now. I have sent this complaint to you about XXXX and you have DONE NOTHING. Now they have sent this to a debt collector. I wrote them back with supporting documention which includes my FBI Victims Letters and the XXXX banks that have released me from XXXX fraudulent accounts in my name. 

You as the CFPB have done NOTHING to protect the consumer, you have done EVERYTHING to protect the credit card company. I 'm not sure what you people do n't understand, and it 's obvious I 'm a victim or the FBI would not be involved I expect you to do something this time and have this creditor along with XXXX quit harassing me and call the FBI which they have NEVER done and release this debt and take it off my credit report as a charge off They have ruin my once STELLAR credit.