davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

At the XXXX week of XX/XX/XXXX, after some research, I had to open a police investigation as somebody opened a bank account under my name and, according to the procedure, I need to get my credit report from the XXXX credit bureaus so I can check for unusual activity and try to minimize the impact. 
On XX/XX/XXXX I contacted Equifax to get a copy of my credit report ( as I did with the other XXXX bureaus, XXXX and XXXX ), I did get a previous copy last year around the same date so, I was expecting not to be able to get it immediately online, as I do n't have a SSN but an ITIN instead, they told me they were unable to get me the report because I had to provide some documents they were missing and then transferred my call to a department called XXXX.. I sent a copy of my ITIN, copy of my Passport and a Social Security Administration Denial Letter ... they said they had to verify who I was ... I sent immediately these documents via XXXX and a week later via certified mail as they were unable to read them. On the XX/XX/XXXX I decided to check on the documents delivered by XXXX ... They told me they received the documents, that they were going to send me the report via regular mail in XXXX business days and even gave me a confirmation ID # XXXX, I never got the report. 
The next day, XX/XX/XXXX I received a letter on the mail ( with ID # XXXX ) saying that they received the request of my credit file but the provided information did not match their records ... they did want to verify my identity and current address ... I did contact the XXXX and provided my confirmation ID ... I ended talking to a supervisor who did talk to a " XXXX Department '' and came back saying that the report has been sent and to ignore the letter ... but I have nothing. 
Today XX/XX/XXXX I got an e-mail with another confirmation # XXXX and I did call, the lady I spoke to told me she was not able to open my file, because some documents were missing, I responded that I already sent them, she told me to contact the XXXX and ask why they did not update my file ... the response was the same or even worse ... the response of the rep was " we need a ssn '' ... Basically THEY ARE DENYING MY CREDIT HISTORY BECAUSE I CAN NOT PROVIDE A SSN but I know I can not get my Credit Score BUT my Credit History. 
I tried to report the people on their customer service but, the same people they have in these call centers are the ones who respond ... for example I reported this incident to them with ID XXXX and the response was : " Please contact our customer service department '' which is the same people who are unable to help. Its now a month since I started this request, I still have nothing ... I need to know why Equifax asked me to send very private information such as a copy of my Passport and ITIN if they are not able to provide me with the report??
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc. (PA)

I was deceptively charged a fee after receiving a credit report for XXXX dollar. I cancelled the service immediately and Experian did not honor the cancellation. his company was sued before for the same offense and it is at it again. Experian is getting away with deceptive practices and no one is stopping them. I feel that the US government should intervene before many others are being ripped off.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

I am disputing hard inquires on my credit report because this is fraud and does not belong to me. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (VA)

I asked the Credit Bureau to please provide me with the written or verbal authorization that I gave to ANY entity to provide Public Record Information to them, if not they are breaking the FCRA law XXXX and those items need to be removed from my credit report. The Credit Bureau sent me a response stating that it had been verified by XXXX XXXX, which is strange because thier is a freeze on my XXXX XXXX report, so that 's a lie. They have yet to send me the validation I requested and it has been over 30 days and a statement of re-investigation has yet to be added to my credit report, which is another law they are breaking.
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

I had XXXX late payment to XXXX XXXX Bank in XX/XX/XXXX. Since then II have not had a late payment. I have had the card since XX/XX/XXXX. I did not havehave a late payment prior to XX/XX/XXXX. They put this account in the " con-sidered negative '' category and refuse to remove it from that categoryuntil XX/XX/XXXX. .7 years of punishment for XXXX late payment. I contacted thebank and they said that they did not request the negative assessment. Icontacted the reporting agency and they refuse to adjust the time line. 
The punishment is onerous and unfair and I am unable to find a way toremove the negative connotation. I am not saying that I was not late thatone time -- I am not arguing about the validity of the " lateness '' but I amupset that I can not get the account re-classified. 7 years is way toolong to be punished for XXXX late payment.
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (OH)

On XXXX XXXX, 2015, I attended a sales presentation by XXXX hotel and resorts in XXXX, FL. After a 5-6 hour sales presentation, after being promised the presentation would take no longer than 2 hours, they pressured us, like I 've never been pressured before ; we were worn down, exhaused and confused. They gave us reassurance that we could own a time share for approx {$50.00} per month, as they kept asking us what we could afford to pay. We told them that was our limit, in no uncertain terms. Shortly before they made the sale, they presented with me a pay pal line of credit card, in my name. I assumed I would have to give them my personal authorization to open up this line or any line of credit as I have had an extended fraud alert for the last 7 years through experian, transunion and equifax. To my chagrin and astonishment, they went ahead and opened up this pay pal line of credit, without ANY consideration of my ability to pay. It was apparently, I later surmised, opened on my credit score alone? I 'm not even certain about this. And conveniently, they paid THEIR Wyndam time share off with my pay pal line of credit I NEVER would have agreed to if I knew what was going on. They also make it next to impossible to read over the materials they present to you. The pay pay line of credit is what caught me off guard the most. I learned later that they tried to qualify me by opening an account with XXXX, which was denied. Also they tried to qualify my husband and he was denied to. WE do NOT have the ability to pay for this, feel that our consumer rights were violated in more ways than one, and we are in the process of returning the timeshare to XXXX, who make it clear that they will not offer us a penny in return. Still we want to be free of this organization forever. Please reconsider this debt we owe to paypal credit, as we feel is is not ours to repay as we were violated and I believe scammed. Thank you in advance for your attention to this matter!
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (NC)

The debt collector called me stating that I owed money for a Paypal account that I have. I paid the account off in XXXX but left the account open. The agency stated that there were charges on the account and described things that had been ordered and sent to my address. I immediately thought my identity had been stolen. Upon calling Paypal I found that the account had a XXXX balance and there had been no charges. I closed the account as a precaution, this all happened today, XXXX/XXXX/XXXX. The agency that called, once I advised that the purchases were not mine, stated that they would open a fraud case, they verified my address, phone and email. Paypal advised me that they were the frauds and they were aware of what was going on.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

Equifax has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Equifax as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Equifax has continued to report this along with a civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Equifax but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Equifax credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which Equifax has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both XXXX and financially.
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (DE)

XXXX has a charge off listed on my file. They showed it as having a XXXX balance in XXXX with a paid balance and then a {$28000.00} balance in XXXX. We filed a complaint with several government entities. I disputed it with the XXXX credit bureaus. The Fair Credit Reporting Act ( Sec. 611 ( a ) ( 1 ) ( A ) says : In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I disputed this item in XXXX and the credit bureaus left it on the file. THERE IS NO BALANCE ON THIS ITEM.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (VA)

I was declined credit based upon an Equifax credit report. After unsuccessfully attempting to pull the file under FCRA from Equifax 's online portal, my wife contacted Equifax 's Executive Services office to inform them of the issue and was informed that Equifax did not have to provide online access to the file, and that if my file met certain unknown " perimeters '' of Equifax 's security system, I could only get it via USPS. My wife informed Equifax of the security concerns of mailing the report due to poor service in our area with USPS and was told it did not matter, online access was a " courtesy '' not a requirement. I had to go to Equifax 's website and pay {$15.00} for a report and score because Equifax refused to reach out to their security department to address the issue. When my wife called Equifax this morning to request a refund, as I am entitled to a free report under FCRA, she reached an overseas call center that refused to even speak to her about the refund even though the card that paid for the report was hers and she was not asking for them to disclose information on my file. She informed them that we would be contacting CFPB to inform them that Equifax was refusing the refund ( they claimed the charge " does n't qualify for a refund '' ) and XXXX, the supervisor in Personal Solutions for Equifax responded by telling my wife " go ahead, tell them. ''
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have disputed this with the Credit Reporting Agencies and with the credit card company. The credit card company has admitted that this was a fraudulent attempt to open a line of credit in my name and that they would have the inquiry removed from my credit. It has been 41 days since I was told it would be removed. I was told it might take up to 30 days to be removed. Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately! ( See case # XXXX )
Consumer complaint received 2017-02-21
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: JPMORGAN CHASE & CO. (NY)

Chase had my Mortgage loan I got behind on my loan JP Morgan started foreclosure proceedings at the same time I also received papers stating I had a new servicer. I began working a modification with the new servicer while I was doing that Chase was still moving forward with the foreclosure I contacted Chase again they claimed they were not moving forward with the foreclosure yet all the legal papers clearly state JP MORGAN CHASE. I contacted the new servicer asked them they inquired whose name was on the legal documents and said that it was not them it was whomever was on the legal papers. I have letters from JP Morgan Chase stating they withdrew the foreclosure I have letters stating that they have no interest in my home yet they still move forward with the foreclosure So I dont even know who I am supposed to be working out the modification with because as I do Chase is still foreclosing I missed conferences because they told me to disregard any notices i received with JP Morgan Chase on them because they were not moving forward with anything. I HAVE TO APPEAR ON XX/XX/XXXX 2017 AGAIN TO STOP THE SALE OF MY HOME THIS HAS BEEN A NIGHTMARE AND CHASE THE ATTORNEYS COULD CARE LESS
Consumer complaint received 2017-02-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

I am unable to pay the full amount required for my private loans. I asked for a decrease and they only offered a XXXX dollar reduction. I am only working part-time. They said there are no other options at this time. I said, " So you 'd rather I pay nothing? '' and she replied, " You ca n't call a bank and demand your loan payment be lowered. '' She then stated it will " hurt me '' if I do n't pay.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

I sent equifax my dispute on XX/XX/XXXX,2017 ask to dispute several accounts that 's on my credit report. Equifax refuse to do a proper investigation calling the companies and asking them to verify over the phone or via the computer does n't constitutes an investigation. Equifax does n't have any paperwork nor contract that bear my signature stating that I have a contract obligation to these accounts. Which is a violation of the FCRA per section 611. Due to the findings of your investigation which was published and the fines that cfpb issued to equifax for these same illegal practices.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions 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 XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/2016 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 3 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 2016. 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 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 XXXXXXXX XXXX Address of credit bureaus Experian XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

hi, The This complaint is credit reporting agency " EXPERIAN '' they are reporting Bankruptcy on my credit report which is inaccurate it should been removed, The other credit reporting Agency 's XXXX and XXXX XXXX deleted the " BANKRUPTCY '' Why not Experian does the same thing, also want to remove my personal statement on Expierian report i want to remove it also experian drop my credit score for no reason from XXXX to XXXX which is not fair, i do n't know why is experian treating me like this, i think is my name because i am XXXX othe wise there is no reason the way they are treating me like this XXXX XXXX
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MI)

Experian has reported incorrectly a judgement that I have satisfied as still owing. This information has hurt my ability to get new credit and need them to update my report. I have tried through other means ( XXXX XXXX ) to have it removed or to have it show as " satisfied : or " paid ''. 

Please help! 

Respectfully ; XXXX XXXX XXXX
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Date sent : XX/XX/2021 To XXXX, Equifax  and XXXX  Letter of Request to Experian included the following information : " Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

2. Validate this account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under the Fair Credit Reporting ACT 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. '' XXXX and XXXX did an investigation and came back with the same results reported prior to my request. Equifax has not yet responded. Sadlly enough, I was impacted by both the XXXX  and Equifax Data Breach. 

I feel as though my request was completely ignored and treated as frivolous. It is unfortunate that any private agency has the power to inflict damage to a Consumer 's credit rating with such a broken credit reporting and credit scoring system, which is grossly inefficient and life impacting. 

My last resort will be to file for litigation due to the stress this has caused me. I am seeking your support in having this information removed from my credit report immediately. Your assistance is greatly appreciated. 

Sincere Thanks!