davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OH)

I tried to get all XXXX free annual credit reports online but was informed that the request could not be processed online. So, on XXXX/XXXX/15, I mailed my request using the completed paper form along with copies of the requested documentation to the XXXX Request Service in XXXX. I requested a report from all XXXX companies. I quickly received my free report in the mail from XXXX. But I never received my free reports nor any other communications from Experian and XXXX. I want those latter XXXX companies to send my free reports.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MD)

NONE OF YOUR CATEGORIES FIT MY PROBLEM. 
I am trying to apply for health care. My identity is apparently verified through Experian. I am told I have to lift my credit freeze, for which a fee is charged. I believe there should be no fee related to health care identity verification. I am unable to find ANY TELEPHONE NUMBER THAT WILL CONNECT ME WITH A HUMAN at Experian so that I can try to resolve this issue. I have been unable to find any other source of information about this problem.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

On or about XXXX XXXX, 2016 I contacted the Experian XXXX CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (TX)

I disputed several medical collections in my credit file with all XXXX CRA 's. Once the investigation was completed and " verified '' I contacted the CA directly. To make a long story short, there was an issue with my particular insurance company so the accounts would be removed from my credit file. I sent in a copy of an email that I received from the CA to the CRA 's. They verified that they did receive the email. I was told that was not enough for them to remove the accounts ( the email had the senders ( CA Supervisor ) contact information, phone, email and fax number. All they had to do was call them. Once I received the actual deletion letters from the CA 's, I sent in the copy 's to the CRA 's ( all on company letterhead ). I called and verified that they did receive the letters. Still the accounts are in my credit file. I am trying to get a mortgage. Since sending the request to deleted the interest rates have increased and who knows whether the rates will increase again by the time they remove theses items. I informed the reps of this. I do n't understand why, if you have letters from the creditor saying delete the accounts, why it 's taking nearly a month to get them removed? I am still waiting ... ...
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

An erroneous default judgment was filed against, The courts issued and order that canceled the default judgment on XXXX XXXX, 2016. Experian credit bureau had been reporting this on my credit report. I disputed it in XXXX 2016. I received an result of the investigation despite providing copies of the canceled order and Experian continues to have this on my credit report.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NC)

i have submitted to Experian documentations that supports my complaint of fals and inaccurate information being reported by their agency. I have submitted bank statements reflecting correct payments amount being paid to XXXX on this account and a copy of sales contract when credit was established reflecting a {$730.00} down payment. Experian has failed to acknowledge the correct payments being made and the beginning balance in lieu of the false information that they are reporting without any evidence to support their erroneous information. My monthly payment s of {$170.00} are being shown as {$120.00} and the beginning balance as {$3900.00}
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

XXXX off I do n't owe these petty criminals XXXX anything. They intentionally committed fraud and deceit. Painfully obvious by the XXXX XXXX payback they stole from there customers. These clowns have taken me to XXXX seperate collection agencies. NOW I just seen a fraudulent claim in my experian credit report. XXXX refused to get accountable, now these petty thieves think they can harass and scam my credit file. This is criminal.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have been disputing inquiry 's on my credit file with Experian since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a experian representative. The rep told me the only way they inquirys could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (SC)

I wrote letters to XXXX XXXX and Experian asking them to investigate and REMOVE the inquires form my credit reports from ALL XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with XXXX XXXX. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DE)

I disputed the following account on my credit report ; I sent Experian letters which I received from the creditors which shows that the account are being reported in correctly. The letter also states that the accounts should be deleted, and or updated to reflect no late payments and etc. I have disputed this with Experian who fail to perform a proper investigation into the matter. They also have failed to removed the accounts from my reports, even after the creditors have requested it all be deleted or updated to reflect no late payments or past due. Please help me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I filled out online form for my free credit report with Equifax it did not go through they said they needed more information, I mailed them the information they requested and still no Free annual Credit Report from them or any other Credit Report. This is causing me a problem if there are items I may need to dispute as found in other reports. 
I would like this resolved
Consumer complaint received 2016-08-31
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (FL)

I receive a call at XXXX I spoke with a gentleman who proceeded to tell me about the Citibank/home depot card which is for my husband I told him I am at work I ca n't talk on this issue as of now and ended call..However at XXXX est I receive another call from a rep at the same company name XXXX who id her rep number to be XXXX she also continue talking about the Citibank/homedepot card in which I told her I already receive a call today and I am at work and it is illegal to keep calling me and I 'm not even the person. SH CONTINUE TO TALK Telling me she do not see that I was called I told her I was and I have proof she really COULD CARE LESS I ASK HER WHAT NUMBE IS SHE CALLING FROM SHE REFUSE TO GIVE ME HER DIRECT NUMBER HOWEVER TELLING ME THAT I CAN CALL THE NUMBER ON THE BACK OF MY CARD I TOLD HER I WANT HER DIRECT NUMBER WHICH SHE STILL GAVE ME THE NUMBE RON THE BACK IM AT WORK AND CANT CONTINUE TO TAKE CALLS AND IM SURE THIS IS NOT EVEN ILLEGAL FOR THEM TO CALL ME MULTIPLY TIMES AND ASLO FOR THEM TO KEEP CALLING A SPOUSE WHO DOES NOT EVEN OWE THE DEBTOR IS JUST CRAZY
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AL)

I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company XXXX and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company XXXX showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining XXXX for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, EQUIFAX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AL)

I have XXXX accounts on my credit report that I have disputed repeatedly for just over a year now. I have provided proof from the creditors about the accounts and the errors that needed to be corrected. Each time I file the dispute with Equifax they come back saying that it has already been verified and has refused to make the correct changes according to the letters I have submitted to Equifax from the different creditors. The following is a list of the accounts with issues. I will also be attaching the documentation showing that these accounts should be corrected. If Equifax does not fix these accounts this time I will file a law suite against them for reporting false information and violating my rights under FCRA. 
1. XXXX XXXX XXXX # XXXX - this account was paid in full back in 2007. Was never a charge off. Also, this account is past the statute of limitations for repotting and must be deleted from my report. 
2.XXXX XXXX XXXX # XXXX - this dr office is balance billing for amount over my co-pay which I am not required to pay. I contacted them and they provided a letter that this was reported incorrectly and was to be removed from my credit report. I have attached the letter as proof that this account is to be deleted. This account is being falsely reported and is past the statue of limitations. It must be deleted. 
3. XXXX XXXX XXXX XXXX - this account was paid in full before being sent to collection. This company has repeatedly harassed me despite me providing them with proof that this account was paid in full prior to it being sent to them. I have filed several complaints and disputed this account as required. I have also provided proof that it was paid and never should have been reported. This account must be deleted. 
4.XXXX XXXX XXXX XXXX XXXX this account was paid by insurance company late due to the provider not filing the claim properly. I have a letter form this agency saying this account should have never been reported on my credit report and is being reported in error. Not to mention this account is also past the statue of limitations. It must be removed. 
4. XXXX - # XXXX - is reporting my account late. This account was never paid late as stated in the attached letter. These late payments reporting must be removed. 
I hope to finally get some results with the CFPB help. Every time I dispute, send, call Equifax with the documentation that this accounts are in error. I get the standard we investigated it and it is reporting correctly. How? can that be when I have proof that it is wrong.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Account information on my credit report is reporting information incorrectly. The account history information is showing L ( charge off ). The history information does not show or include the payment history and they are re-aging the account. Account information needs to include payment history, late payment 30-day and 150-day delinquency dates. They are not including this information on their reporting period and are in violation of FCRA ( 7 year maximum reporting period ). Any information that can not be provided or deleted showing the correct account history information confirms that they are attempting to re-age their reporting period. I request that all negative information that is reported incorrectly, not providing accurate account history, or deleted account history to be removed from my credit report.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CO)

A collection account from XXXX has been miss reported on my credit reportwith Equifax. I have disputed this with Equifax for over XXXX years and it still remains. This collection account has been removed from both XXXX and XXXX XXXX and XXXX companies have shared this information with Equifax. However, it still remains on my file with Equifax. I have even spoke with a supervisor at Equifax about this. It 's time they receive a {$1000.00} fine for non-compliance of FTC regulations.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

I have been trying to clear a XXXX XXXX account from my report since XX/XX/XXXX. 
This account was included and discharged in a Chapter XXXX Bankruptcy XX/XX/XXXX. I have repeatedly sent credit dispute forms to Equifax as they are reporting the account with a past due balance of {$100.00}. All Chapter XXXX accounts were paid and should report a XXXX balance. For some reason, they refuse to clear this XXXX account up and it is hurting my credit score and reporting negatively. The account was from XX/XX/XXXX. I have been working very hard to recover from a bankruptcy and trying to clean up my credit. Equifax just keeps ignoring my requests and never seems to resolve the negative status. All of the other XXXX accounts in the Bankruptcy are reporting correctly with a XXXX balance except for this XXXX. Thank you, XXXX XXXX
Consumer complaint received 2016-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (TX)

I was out of school for XX/XX/2015, and before my grace period was over I signed up for a class in summer. I was under the impression that XXXX 3 hour class in the summer would mean, I am a half time student. Turns out It was n't and I am wrong, however, I contacted " Fedloan Servicing '' and explained the situation to them ( This is after I was reported late for my payments ). They agreed to put me on a forbearance, and I started paying my monthly payments. After that, I tried my hardest, to contact them about removing the late payments that they have reported and every time they tell me a different thing, I disputed the late payments 3 times, sent the credit bureaus copies of the forbearance letter, but I made no progress in getting those late payments removed from my credit report. My credit score is horrible right now, I had XXXX different loans, and each loan was reported late twice, so I have 10 missed payments. I 'm on the verge of losing my job if I do n't relocate, every apartment complex that I contact wants to run a credit check and I tell them to stop ( what a shame! ). Thanks U.S. Department of Education for helping financially during the hard times, but seriously you are XXXX exactly XXXX times as much as you helped me, and frankly your making my life worse than when I was just student with no income.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, Equifax, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, Equifax, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Equifax XXXX XXXX XXXX XXXX XXXX Item Status : Was removed XXXX, XXXX, and XXXX and latest credit file showing items re-inserted after FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

Equifax is continually reporting inaccurate information although I have provided documentation to the contrary twice before. The issue is under the category Public Records, Equifax is reporting that I have a civil judgement of eviction, this is incorrect. 
I was not evicted from my apartment ; I was able to pay the rent arrears in full before a court-appointed deadline. I only received a Notice of Petition -- I was never evicted from my apartment. I have provided documentation of my XXXX County Civil Court Case Summary showing : ( 1 ) I was granted XXXX extensions and then a full payment was made. 
( 2 ) The vacate judgment outcome is Inactive and Discontinued ( not a judgment of eviction ), meaning it was paid before the court-appointed deadline ; therefore, no civil judgment made. 
I have contacted the other XXXX credit bureaus, both bureaus, which corrected the error immediately months ago. Equifax refuses to correct my report.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MO)

Equifax is continuing to report inaccurate information on an account that I disputed with them. I have continuously ask for proof of their findings to validate why this is still on my report and they have fail to provide it. I have contacted the collection agency to ask why are they continuing to try and collect after being to told to cease and deceit prior to the being report to the bureau and was told the credit bureau are reporting without their consent. I have request to prove your accuracy are remove it at once and nothing has been done. I hope reporting them to CFPB will help
Consumer complaint received 2016-06-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Seterus, Inc. (FL)

My dad died XXXX/XXXX/2015 while in bankruptcy proceeding. 
The Seterus/XXXX of his loan and their attorneys were on notice since XX/XX/2015 and still after many requests for an assumption document to assume my dad 's property as his heir they refuse to provide me any documents they never even contact me to assume his loan a requirement by this agency but they care less about any CFPB new rules not even the federal law mandatory to do what Im saying here To them you guys are nothing no matter you the law. Obviously this agency a fake so the people think they do live in the land called free when is not they have put my/dad house for sale 4 times and 4 times say we will agree for you to assume the loan but never they do sent me anything. The house sale date is the XXXX XXXX, this tuesday and obviously when this get any attention is to late Further, they email me saying they will advise the judge to again stay the sale hearing was XX/XX/XXXX 3 days ago and they didnt say that to the judge nothing they said I got email conversion they saying that the attorney assigned to the case is on notice to input that information to the judge They liars and they think this is not serious what they doing to me and my dead dad my dad will rest in peace while they will have no peace in my dads foreclosure XXXX XXXX XXXX XXXX. Case XXXX XXXX Property XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX Account # XXXX Equifax account # XXXX From XXXX XXXX, 2015 I have written over five letters to the credit company stating that this company Enhanced recovery is reporting inaccurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is so why are they still reporting this item illegally on my account? I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help