davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a XXXX time ( certified mail to all XXXX bureau 's ) XXXX made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. Equifax has come to me requesting further proof of identity ( the exact same thing was in my both of my affidavit mailings a copy of my state issued ID and social security card, this is just stalling ) and XXXX sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC in XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within XXXX business days according to FCRA! therefore I am filing this dispute because I am tired of their XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves ( XXXX and XXXX ) because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

I received a low credit score and did not understand why. I pulled my credit report and found that I my XXXX account had been sent to the credit reporting agencies. It was a bill for {$37.00} that I never received a bill for. I contacted XXXX at that time to find out why I had never received a bill. They replied that my account has a returned mail restriction on it and they could not send me any mail, this is why I have not received any mail from them. I do not know why that would have happened because I have never put any kind of restriction on my account, and I would never tell any creditor that they could not send me mail. As soon as I discovered that I had a outstanding bill out there I paid the bill and requested that they inform the credit agencies that it has been paid and to ask the credit agencies to remove it from my credit reports. They referred my to their legal department. I would like to dispute this action on the part of XXXX because I never received a bill and nobody from XXXX made an effort to contact me about the past due balance. I did not ask or request any kind of restriction to keep them from sending me a bill. I am sending the replies I received from XXXX acknowledging these facts
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MI)

I have filed complaints with Experian about getting my credit report and Score and fixing anything that is not right on my credit report. 
I want my credit report and score so that I can see what is on it. 
My credit report should not have any thing negative on it.
Consumer complaint received 2016-10-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I am unable to access my Experian credit report online or initiate an investigation online. I subscribe to Experian 's credit monitoring service, however when ever I attempt to initiate an investigation and I enter my identifying information, a page appears that they are unable to honor my request and I must do it by mail. 

When I receive a paper copy of my report, I attempt to use the report number to view report again and I get the same message saying they are unable to honor my request. I can not initiate a dispute even after receiving the paper copy by mail. 

It appaears Experian has blocked my online access to my credit report information.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (LA)

Today I received a letter from Experian regarding an account reporting incorrectly on my credit report, however I do not agree with their method of collecting or furnishing consumer information. According to Experian the collections account for XXXX was validated however I did not receive anything showing how the account was in fact verified. When I requested validation from the collection agency I asked for HIPAA authorization as well as my signature for services rendered and I did not receive either. What I did receive was a letter with fees and personal medical information which was not actual validation of the account. I would like to see supporting documentation from XXXX as well as XXXX regarding this negative reporting account on my credit file. I would like to see a copy of what steps and documents Experian used to validate this account is in fact my account. This account is negatively affecting my credit report and credit worthiness. It is also making it hard to obtain legitimate credit.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

Experian continues to report an inaccurate tradeline regarding XXXX XXXX XXXX. I have contacted XXXX XXXX via certified mail attempting to validate this debt, with no response. I have disputed this with Experian multiple times, but they keep insisting the account is correct. This evening while speaking with XXXX, I asked to speak to a supervisor or the person responsible for reviewing the documentation from XXXX verifying this debt. XXXX told me those individuals do not have telephones and I could not contact them. After a long debate, XXXX finally agreed to get a supervisor for me, but he just transferred me to a VM box. As the consumer, it seems unreasonable that I have provided sufficient documentation to support my claim, but as XXXX explained, XXXX XXXX does not have to provide any proof to Experian regarding this debt. I want this account permanently removed from my credit report.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (OH)

Experian sent back a partial response on XXXX/XXXX/2016 stating that the will respond within 60 days. By law they do not have 60 days. Experian has 30 days to respond to my complaint. Case number : XXXX this is the number connected to the case.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

These two collection accounts are not mines. I have disputed with the company and with the attorney general of XXXX. I also never received notification of this debt and by law I have a right to dispute once I have been notified of debt. 

XXXX Address : XXXX XXXX 2 XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX - XXXX XXXX Address : XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX The two accounts below are the same and should be deleted. 
XXXX Address : XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX .... 
XXXX Address : XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX ....
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX, 2016, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to have them investigated have been ignored.
Consumer complaint received 2016-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc (MN)

XXXX/XXXX/XXXX - Received a bill from XXXX XXXX for {$220.00} Plusfor ( a XXXX debt collector ) reported this debt on my credit report although I have never received any communication directly from Plusfor. Apparently they assigned the collection to XXXX XXXX ( a XXXX debt collector ) as I was a XXXX resident. 
XXXX/XXXX/XXXX - Received a collections notice from XXXX for {$220.00} XXXX/XXXX/XXXX - Sent my HSA account debit card information to XXXX to settle the debt of {$220.00} XXXX/XXXX/XXXX - Called XXXX to confirm they had received my payment information because there had been no transaction on my account. They told me the card had been declined. I asked them to run it again and they told me that once again it had been declined. It turns out that XXXX can not take an HSA payment which is why it was declined. They agreed that I pay XXXX XXXX directly. 
XXXX/XXXX/XXXX - Called XXXX XXXX and paid outstanding balance of {$220.00} XXXX/XXXX/XXXX - Called XXXX to let them know that I had paid the outstanding balance. They informed me that they would get confirmation from XXXX XXXX ( via Plusfor ) and close my account. 
Some days later I talked with XXXX XXXX XXXX at XXXX to confirm that everything was in order. He told me that Plusfor had informed him that there was still an unpaid balance of some {$95.00} - they did update the credit report item from the original {$220.00} to {$98.00}. 
I have followed up several times with all parties : XXXX are clear that my account has been paid in full, Plusfor refuse to talk to me, XXXX XXXX XXXX XXXX XXXX keeps telling me that I still owe some {$95.00}. 
XXXX/XXXX/XXXX - XXXX XXXX XXXX called me. He told me that Plusfor still showed that I had an outstanding debt of {$95.00}. I told him that I had paid the bill in full and that if there was an outstanding debt he should send me the proof - he refused. He said that he had looked at my account on the XXXX XXXX website ( surely a HIPPA violation ) and he said it showed an outstanding balance of {$95.00} - this is not true - the balance shows XXXX following the payment of $ XXXXthat I made on XXXX/XXXX/XXXX to XXXX XXXX. 
Plusfor continue to report a non-existent debt on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX continues to insist that I pay a non-existent {$95.00} debt. The tone of XXXX XXXX 's communication on XXXX/XXXX/XXXX, when he called me, felt like I was being harassed.
Consumer complaint received 2017-02-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC. (AR)

I sent Ally Auto Loan Department a Promissory Note, in accordance with the Uniform Commercial Code, as a Security Negotiable Instrument, Legal Tender by Law, to pay off the remaining amount that was left on our truck loan, to receive our truck title. The Legal Tender was sent XXXX express mail, and received by Ally on XX/XX/2017, and signed for by XXXX. Ally Bank has not bothered to respond to the Promissory Note that I have sent them, which is asset for a Bank, I had to call them, and they refused to apply it to pay off our debt. I specifically stated in a legal notice, that I sent them along with the Promissory Note ; that if they refuse my Promissory Note, to send it back with a written explanation as to why Ally is exempt from Legislation. Ally did not respond, nor apply my Legal Tender to pay off our debt, and they kept my Legal Tender, which is asset for them, that can easily be monetized by them. The UCC states, that if Legal Tender is refused, then there is discharge of the debt, and the Federal US court appeals ruled on Title 31 USC 5118 ; that the requirement to repay a debt in the form of coin or currency or legal tender is against Public Policy, since money, as in the Federal Reserve Notes that we use as money ; means a promise to pay, or owe according to the Banking dictionary XXXX addition ; and that a repayment for a debt only needs to be made in equivalent kind ; a Negotiable Instrument, which is a Promissory Note. As a Private Banker, in accordance with the XXXX Law Dictionary, I have a right to use a Promissory Note with the Banks to pay off a debt! I recently sent them another Promissory Note, that they received on XX/XX/2017, to see what type of response I would receive, but the fact remains, they should have responded to my first Note!
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CO)

Experian has charged my bank check card {$110.00} for the seven months ( beginning in XXXX 2015 ). Experian allowed XXXX people to fraudulently use my bank card to open Experian accounts. My check card was billed 4 times monthly for {$29.00} for seven months totaling {$830.00}. The Experian manager stated that she could not refund the money that my bank would. My bank will only refund two months because my debit card was used for those transactions. Experian closed the fraudulent accounts and provided this information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I have repeatedly disputed credit report information to Experian regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX XXXX and XXXX from XXXX XXXX XXXX Acct ( XXXX ). I received XXXX Cancellation of Debt forms in XXXX from XXXX as well as XXXX from XXXX in XXXX ( see attached ). These are specifically marked that the debts were discharged/forgiven and have supplied these to them disputing the reporting of them having currently delinquent open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I have provided to them in prior disputes, they updated the items correctly. Unfortunately Experian reverted back to reporting it incorrectly as originally disputed and resolved. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts charged off, closed, with {$0.00} balances. Please help me get this corrected permanently. Thank you for your time.
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (GA)

The original disputes for these accounts were sent out XXXX XXXX, XXXX. The first correspondence from your company stated you reviewed documentation and determined you were not able to use it to make a determination for changes or deletions XXXX XXXX, XXXX. See Attached. Documentation in all disputes contained credit report with account in question circled and letter detailing issue related to it. See Attached. All of these accounts were sent seperately by certified mail on the same day. See Attached. Your correspondence letter indicated all accounts disputed had projected completion dates of XX/XX/XXXX and XX/XX/XXXX, respectively. See Attached. Results from investigations were dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX included : XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Accounts, and XXXX XXXX XXXX. See Attached. 

On XXXX XXXX, XXXX you were sent a certified letter as a followup to the investigation results. See Attached. This letter requested a method of verification for each account verified and notice to delete all accounts not investigated within 30 days. See Attached. On XXXX XXXX, XXXX, I received documents dated XXXX XXXX, XXXX providing additional results for XXXX, XXXX XXXX XXXX and uncompleted XXXX projection date. See Attached. As a result these accounts were not investigated timely. Whether this late response attempts to circumvent the rule, nevertheless it is ineffective due to sufficient record keeping by customer. One further note, after contacting the US Bkpt Ct Ga XXXX concerning accounts # XXXX ; XXXX ; XXXX ; and XXXX, at ( XXXX ) XXXX XXXX no debt validation or otherwise took place as reported by your results. Customer seeks compliance to these enforceable rules.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

experian received my request for investigation of XXXX items on my credit report XXXX/XXXX/2016. I received a letter XXXX stating that XXXX items in my request were not going to be investigated, when I called experian today to find out why I got no valid reason. I was told there was a letter sent regarding the results of the full investigation at the same time, I voiced I had not received, I requested another copy of investigation results and was told no, to check '' website '' for new credit report. I have no idea what was addressed and who verified information regarding my investigation as I requested. This violation of my rights under the FCRA needs to stop.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (CO)

According to Colorado Revised Statute XXXX ( XXXX ), in the case of a foreclosure sale by the Public Trustee, a sale date can be no less than XXXX calendar days nor more than XXXX calendar days after the date of recording of the notice of election and demand, which is this case was recorded on XX/XX/XXXX. 

Also, according to Colorado Revised Statute XXXX ( XXXX ) Dual Tracking Prohibited Defendant received confirmation from servicer, M & T Bank XXXX during the first week of XX/XX/XXXX ( letter dated XX/XX/XXXX ) that a loss mitigation application had been received and that it was complete. In addition, during the same time period, M & T Bank stated in multiple phone conversations that foreclosure proceedings were suspended pending the " process of being reviewed to determine if you ( I ) qualify for assistance ''. The Public Trustee was NOT notified of such status so the foreclosure process was continuing in the " eyes '' of the Public Trustee, therefore Dual Tracking. 

Some time during the second week of XX/XX/XXXX the defendant was notified by M & T Bank that the application as submitted by defendant was not accepted, and that a new application could be submitted, which is currently in progress. The XX/XX/XXXX notification set in motion the foreclosure proceeding that was recorded on XX/XX/XXXX, setting at sale date of XX/XX/XXXX, which is only 57 days from the recording date of XX/XX/XXXX.
Consumer complaint received 2015-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IN)

I have a student loan that went into default, I repaid it through the XXXX program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my XXXX score and this inaccurate information.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GU)

In accordance with FCRA & 650B paragraph ( a ), Experian, are required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. Cash Call XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Experian delete these accounts from my good credit record in accordance with FCRA & XXXX paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that Experian remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).