davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

Contacted Equifax, XXXX & XXXX regarding unauthorized inquires on my credit report from XXXX. Transunion removed immediately. XXXX removed XXXX. Equifax stated I have to contact XXXX directly for removal if I consider inquiries fraudulent. Sent letter to XXXX as directed. XXXX responded stating I have extended alert on my credit file but no response regarding removal. Sent letter response to Equifax and Experian and still refuse to remove. Sent additional letter to XXXX. No Response to date.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I pulled my Equifax credit report for my XXXX XXXX course at my college. Upon looking at the report, I noticed an inquiry that did not belong to me ( XXXX ). It stated this inquiry took place on XX/XX/2016. I have never had a business relationship with XXXX and have never contacted them. I contacted Equifax over online chat to attempt to dispute it after finding their online dispute form did not allow me to dispute this fraudulent entry. After speaking with an Equifax representative, she rudely informed me inquiries are " matter of fact '' and to contact XXXX. I contacted XXXX and after searching numerous ways, they found that they had never pulled a report on me and I was not even in their system. I contacted Equifax again and spoke with another representative who also told me he could not help me. I just want the fraudulent entry off my credit report and no one will even investigate, despite the fact they claim they will within 30 days.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I opened a non-reporting installment agreement with XXXX XX/XX/XXXX. Our agreement specifically stated that no reporting to credit bureaus would be used, and no reporting of payments or status of the account to any of the major reporting agencies. The company changed its receiving company XX/XX/XXXX, and there was an error in my payment history and amounts due. After I paid what was my correct balance, XXXX decided to break our agreement and place an erroneous balance on the Equifax report. I filed a dispute with Equifax XX/XX/XXXX, and this information was removed. Now I find out recently, that XXXX has placed this information back on Equifax as a revolving credit card. I never had a credit nor a revolving line of credit with this organization. All information about this account is erroneous and should not be reported per our original agreement.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

hello, My name is XXXX XXXX XXXX, a victim of fraud that was done on XXXX XXXX and XXXX XXXX 2015. As someone got my " social security and fake id also have other personal information '' and has tried to open an XXXX account and also a XXXX account first on the internet and then XXXX also along with in activity as they had purchased XXXX XXXX phones I phone XXXX plus cash from the customer service representative Along with opening XXXX lines in while opening the account under my name and information, lacking enough information leading back to me. Alone with providing false fraud information! Has currently been shut down a email was sent to you regarding this from XXXX and fax with all my personal information was sent to equifax if you could forward all this information to all credit bereus it would be greatly appeciated. You will also get a response back on the paperwork in a couple of days as i plan to send it by the end of this week. I have sent over police report and have contacted avon police and sterling heights and also have not yet heard response back from avon police as it is still under investigation in XXXX Indiana. Please feel free to contact them or me at anytime. 
Please leave a message if i do n't answer. I am not answering unknown numbers, so i ill get back to you. : ) thank you. 
Tell me what is the next plan in action to pursue more into taking care of these active accounts. 

Again, please contact credit bureau also i also have contact all the ( 3 credit bereaus ) and to take care of the credit scores etc. Also have followed the instructions of the fraud information that the police had given me to follow through in the process of being a identity theft victim and have done fraud alerts as well if you can further take action in providing me safe and security in my personal information. 
Please look into asap. 

Best regards, XXXX XXXX
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

This item is wrong and inaccurately reported on my report for a while now under different names, first started with XXXX, then XXXX XXXX and now it 's listed under XXXX. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : XXXX/XXXX balance : {$1000.00}
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I submitted a complaint with the CFPB regarding an issue with Equifax reporting XXXX XXXX XXXX accounts that I was an authorized user on. I am no longer associated with the account so I requested the accounts to be removed. The CFBP sent my complaint to Equifax and I just received an alert that the accounts are still on my report and no longer in dispute. This cause my Equifax FICO score to drop XXXX points.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Equifax, is continuing to report a Chapter XXXX bankruptcy that was filed XXXX, the law/ statue states is should be deleted 7 yrs from the date of filing, also a Chapter XXXX bankruptcy filed XXXX, which should be deleted 10yrs from the date of filing.Equifax is violating the statue of LIMITATION on the ChapterXXXX, & the Chapter XXXX should be deleted XXXX. 
Please, review the statue, regarding bankruptcy.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with XXXX business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX XXXX tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NJ)

I have been trying to have Equifax remove XXXX satisfied public records/Judgment. XXXX Credit agency has removed the XXXX satisfied judgments totally from my report but, Equifax Still holds, displays & advertises that said judgments as Public collections on the credit report. I have been trying to repair my credit but Equifax needs to remove this displayed satisfied judgment. We are looking at a satisfied judgment from 2010. I believe It has passed the statute of limitations for sometime now & needs to be totally removed from my report. Please help me with this problem. And thank you in advance for any considerations to this matter. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Equifax assisted in reporting this negative account without proper investigation. 

I decided to go and do research through the secretary of state ( Texas ) as of XX/XX/2017 ( XXXX ) XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

XXXX of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NC)

The mortgage servicing company does not mail me Form XXXX ( Mortgage Interest Statement ) as required annually in the last 3 years in order for me to file my tax returns. Every year, I called to get the information and they kept saying they required an authorization from my attorney. The loan is in Chapter XXXX and payments on the loan are being made by the trustee. The attorney 's office sent the required authorization letter for the servicer to provide me with this information. The servicer claimed that they send the information to my attorney, however, the attorney 's office said they did not have the information.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

My XXXX XXXX account has a credit limit of {$2500.00}. I have disputed this directly with Equifax twice and their update states my credit is {$650.00}. The other credit bureaus are reporting the correct credit limit. XXXX XXXX has the {$2500.00} credit limit in their records.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (LA)

Afni Inc  is reporting a debt of {$320.00} that I do not owe them.     They claim to be servicing a debt on behalf of  XXXX   XXXX   XXXX  but I 've never had an account wit  XXXX   XXXX   XXXX   XXXX   before. Not just that, at this very moment there is another collection agency under the name "   XXXX   XXXX   '' who is also reporting this same account to my credit?     How can  XXXX  collection companies be collecting on the same debt? Is n't that illegal?     I am attaching a screenshot from a recent report which shows how   XXXX   XXXX   is reporting this to my credit with a different account number.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by these  XXXX  collection companies. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     The account number for  Afni Inc ' s debt is "  XXXX  ''. My report indicates that the account has an " open date '' of    XXXX   XXXX
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AR)

I have disputed the account ( Account number XXXX ) online through Equifax information systems. Equifax came back and said that it was " verified '' by the collection agency, however they could not provide me with the information on HOW it was verified or a contract that I signed with their agency ( XXXX XXXX XXXX.. This account does not belong to me. I started checking my credit in XX/XX/XXXX When I researched my credit history I had absolutely NOTHING on my record aside from names and addresses as of XX/XX/XXXX. I applied for a credit card and was approved. Meanwhile, I check my score a month later only to find out that a company by the name of XXXX. has reported a debt that is 7 years old on my Equifax credit report. The account " says '' XXXX date : XX/XX/XXXX. However, the last reporting date was XX/XX/XXXX. This is unfair credit reporting. I have/had no knowledge of the account and feel as I have been unfairly targeted. There was no collections on my credit in XX/XX/XXXX and now there is XXXX on there 7 years old. This practice is not right and it is compromising the integrity of my reputation, and the ability for me create opportunities for my family. Please look into my situation. This company has not followed proper protocol when it comes to debt collection and had not provided me with any written or verbal communication stating they would be placing said debt on my credit report ; which is a direct violation. I should have been notified in writing five days before the account is placed on any of my reports. Therefore, the account is invalid, unverified, and illegitimate and should be removed immediately.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

I had a bankruptcy over 7 years ago. All other reporting agencies have removed it from my report. Equifax continues to carry it. There response was that it stays on for 10 years. Nowhere have I read that a personal bankruptcy stays on for 10 years. Why are they the only ones that continue to want to ruin my life. I 've paid for my mistakes and am trying to move forward but they refuse to let my past go. 7 years is n't enough ...
Consumer complaint received 2016-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I had a XXXX XXXX XXXX credit card Acct # XXXX which was in the name of a Corporation and used only for such Corporation. I did not have a personal guaranty on this account. XXXX XXXX took me to NYS supreme court and sued me personally. The Court ruled in my favor dismissing the complaint and stating that there was no personal guarantee and that it was a business credit card and I was not liable for such account. I sent the documentation to XXXX XXXX who then deleted the account from my record in 2 days. I sent a copy to Equifax XX/XX/XXXX and they acknowledged the dispute and said it would take up to 30 days to resolve. After not hearing back and finding it impossible to reach them on the phone I sent another Dispute on XX/XX/XXXX to which they responded in 1 day and there results were that they verified the account was mine and I was individually liable for this account. Thus defying a Court ruling. I would like this account removed from my credit report. Thank You XXXX XXXX XXXX
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

This item shown on my personal credit report by your office XXXX County Public Records, Docket # XXXX, XXXX XXXX, XXXX, AL XXXX ( XXXX ) XXXX, is inaccurate. Because based on Alabama Tax Code and the decision by Alabama Department of Revenue, I was not an Alabama resident XX/XX/XXXX, and I shall not be liable for any Alabama State Personal Income Tax. 

The tax lien order was formally rescinded by the State of Alabama Department of Revenue on XXXX/XXXX/XXXX with the issuance of Taxpayer Assistance Order. Although the status of lien later changed to release of tax lien on XXXX/XXXX/XXXX, however it should be changed to deleted or formerly erroneously reported lien and now cancelled, according to all three national credit bureaus, this incorrectly reported tax lien record shown as released will stay on my personal credit report for at least 7 years. Due to this tax lien record, my credit score was at XXXX before but currently dived to XXXX level. 

I have contacted the credit bureau and corresponding parties many times, requested for removal of this tax lien before, however, this incorrect Tax lien item still has not been removed, this time I am writing this matter to CFPB and hoping you can help to take a further look into this matter and correct the incorrectly reported record. 

The credit bureau office reported the Tax lien was released was incorrect, the Department of Revenue clearly stated in its " Taxpayer Assistance Order TAO # XXXX '' Dated XXXX/XXXX/XXXX ( COPY attached ) and also its " Alabama Income Tax Final Assessment and Lien for XX/XX/XXXX '' Dated XXXX/XXXX/XXXX ( See attached ), " the XXXX income tax assessment filed against you was incorrect ... ... ..that you were not an Alabama resident for the XXXX tax year, consequently, a TAO, rescinded the XX/XX/XXXX income tax final assessment entered XXXX XXXX, XXXX ... .... '' The final assessment further stated " Please do not interpret that the Department released the lien due to payment. The Department 's Taxpayer Assistance Order rescinded the original final assessment for the XXXX tax period and your credit record should be corrected to reflect that fact. " Based on all above, I am requesting that the released Tax Lien shall be removed to in order to show the general public correct information on my personal credit report. Enclosed are copies of " Alabama Income Tax Final Assessment and Lien for year XXXX CSD Case # XXXX '' and " Taxpayer Assistance Order '' supporting my position. Please help to investigate this matter.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OR)

My home went into foreclosure in XXXX of 2009 and both the mortgage holder and the XXXX ( XXXX ) signed off on the agreement. XXXX used XXXX XXXX XXXX as their servicing agent. A copy of the agreement is attached. I have made many attempts, but Equifax refuses to remove the XXXX debt listing from my credit report, thereby preventing me from obtaining a favorable interest rate on a home loan I am trying to obtain.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (KY)

Below is my issues ... 
1. Bankruptcy Filed XXXX ; US Bankruptcy XXXX ; XXXX or ID # XXXX ; this has been discharged and should be listed as discharged but they still have not updated this.. It was discharged in XXXX 2015 ... When i apply for credit everyone tells me my Bankrupt is still active but it is not. Discharged in XXXX on XXXX XXXX, 2015. 
2. Case or ID # XXXX -- - this needs to be deleted from my report. It has been more than 8 years. 
3. Case or ID # XXXX -- this needs to be removed. it was included in my chapter XXXX and needs to be deleted because I am no longer liable. 
4. Case or ID # XXXX -- - This needs to be removed. I am no longer liable for this account. Please delete .... 
5. Case or ID # XXXX -- - Needs to be deleted..I am no longer liable for this account. 
6. Account # XXXX -- -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
7. Account # XXXX -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
8. Account # XXXX -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
9. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
10. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
11. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
12. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete13. Account # XXXX Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete14. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete15. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete16. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete17.Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete18. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 I attempted to withdraw {$18000.00} from my Wells Fargo checking account to purchase my vehicle. Brach info : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, Telephone number XXXX, Fax : XXXX. To sum the story up, I waited over 2 hours for the the service XXXX XXXX XXXX to tell me that she was unable to release the funds because she could not reach the employer who issued the check that I deposited. I asked her when would I be able to withdraw the funds. Her response was, " I don't know. '' I contacted Wells Fargo customer service. I explained the issue to the representative and she was not sure why I couldn't withdraw the funds. She stated that every branch has their own rules. The representative advised trying another Wells Fargo branch. I then went to Wells Fargo, branch # XXXX XXXX. I was able to withdraw the {$18000.00} to purchase my vehicle in less thank 15 minutes. The service manager as this locating did not understand why the other branch would not issue the funds.