davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (VI)

I contacted Citibank regarding my Home Depot Credit Card. We have been using the credit line heavily during the renovation of our home. I noticed that the interest rate on the card was at 25.99 %, and the amount of interest I have been charged as of my XXXX, 2015 statement was over {$3000.00}!! I almost died! My Dad has a Home Depot credit card and his interest rate is only 17.99 %. I have always made payments on time to the account and do n't understand why the rate that I am being charged is so high. I called Customer Service to ask if my account could be reviewed and if my interest rate could be lowered. The agent told me that a lower rate was " not available ''. I mentioned the lower rate on my Dad 's Home Depot account and said it was a whole 8 % less than the rate on my account, so how can that be possible? She said that this is how the account was opened and there is nothing she could do about it. I had the account set to auto-pay the minimum amount every statement, but realized that the amount of interest being billed was the same or more - for example, on my last statement the minimum payment due was {$510.00}, but the interest charged was {$510.00}, so at this rate I would never be able to actually pay down any principle and would be just paying interest unless I increase the payment amount to actually try and reduce the outstanding balance. With the interest rate as high as it is, it is very difficult and I am a victim of being stuck paying interest through my nose!! Since the interest amount is eating up ALL of my monthly payment, I do n't know how I am going to catch up and actually reduce the balance on this card which is around {$19000.00} at the moment. I feel like this is price gouging and very unfair!
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

Trying to remove hard inquires from my credit report with Experian as i do not have any obligation or any line of credit or services from some of the inquires on my report. Have contacted all three credit bureaus about these hard inquires on my report and they wo n't budge or remove any of them. i just want to remove the inquires that i have no financial obligations to. Also they have a public record on my report which i have found out that the court does not share this information with the credit bureaus and should not be a part of my credit report either have try calling to have removed and told they can not be removed which i found out to be not the truth. also they have a XXXX listed on my report that should also be removed have n't had a XXXX in over 14 years
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (MI)

I do not receive my mortgage statement until the day before my mortgage is due and they state they have n't received my payment and it has been 10 days since I snt them the payment. I requested they send me a book or send the statement out earlier and the lady told me that I need to work with my local postal service ... my husband is one of the XXXX..this is not the issue. They have told me know that I will be charged late fees if I do n't get my payment to them on time.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

I made a banking online payment to XXXX for XX/XX/2016, and XX/XX/2016. My bank, XXXX XXXX XXXX returned the 2 mortgage payments to my acct stating there had been an address error in delivering the 2 payments. By the time I got the monies back in my acct, and paid the 2 payments, it was late, XX/XX/2016 payment arrived XX/XX/2016. My bank wrote a good faith letter which XXXX honored and waived any lates, negative credit reporting for those 2 payments. I sent Experian a copy of the good faith letter from my bank, and also a letter from XXXX stating they honor the good faith letter. Experian refuses to delete the negative credit reporting for the XX/XX/2016, XX/XX/2016 payments.
Consumer complaint received 2016-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (IN)

Credit bureaus are reporting my former addresses as being ( 1 ). XXXX XXXX, XXXX, IN ( 2 ). XXXX XXXX, XXXX, IN I have lived at XXXX XXXX XXXX XXXX, XXXX, IN since 1994. and have never lived at the XXXX other addresses listed.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

They said they took off the debt for XXXX XXXX after it was paid and I noticed ok my credit file again for the same amount with a different company after it was token off becuase the debt was paid in XXXX 2016
Consumer complaint received 2015-07-29
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: EQUIFAX, INC. (NC)

EQUIFAX MORTAGE PUT A UNKNOWN INQIURE ON MY CREDIT REPORT AND HAS FAILED TO TRY TO REMOVED IT AND ITS NOT FAIR TO ME TO HAVE IT ON MY CREDIT REPORT HURTING MY SCORE
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TN)

XXXX is negatively reporting a medical collection that does not belong to me. They have increased the amount and changed the location of the office but it 's still the same debt that was removed. XXXX is negatively reporting on my credit report with both Equifax and XXXX for a medical collection that does not belong to me. The debt belongs to a XXXX XXXX. I filed a police report with XXXX XXXX Police Report for Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX. I have been a resident of XXXX TN Resident since 2008. I was a victim of identity theft and filed a police report due to fraud occurring in XXXX. I do n't owe this debt I would like it removed from my credit report immediately. It should not have been reinserted in the first place.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

My score dropped XXXX after XXXX credit inquiries on Equifax according to XXXX, asked XXXX MY score that they report but was not given the information. Asked how could my score dropped so drastically and was given no answer. Informed that I can pay to get MY report but not MY score. A change in score like the one I 'm suffering with should come with some answers and a way to dispute.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

XXXX XXXX Account reporting with a a balance of {$560.00}, a minimum payment of {$330.00}. That information is incorrect, my balance is {$460.00} with a minimum balance of {$0.00} and monthly minimum payment of {$35.00}. I have attached a screenshot of my account as of XXXX/XXXX/2016. Both XXXX and XXXX have updated it however equifax claims that they have verified this false information. I have also attached the letter straight from XXXX XXXX. 

I would also like the remark " Consumer disputes this account information '' removed from XXXX and from XXXX " Consumer disputes after resolution '' I no longer dispute none of these account.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

I have XXXX credit cars with XXXX, XXXX is a XXXX, the other a XXXX. Both are current. Equifax is now showing that I have a card with XXXX numbered XXXX ( it does not list the last XXXX digits ) with a balance of {$720.00} that is over 120 days past due. This is not my card. I have notified Equifax. I called XXXX XXXX to notify them, as well. XXXX XXXX says they will need 90 days to investigate, and that I need to deal with it through Equifax , as it is their error, not XXXX. The XXXX employees speak XXXX very poorly, and communicating verbally with them is difficult. They provide no email address to which one may send electronic correspondence. The entire thing reeks of a scam. I had this same problem with XXXX and this same card. These people are ruining my credit in an attempt to extort payment from me for a debt which is not mine. They actually suggested that I just pay it, even though it is n't my debt, in order to have it removed quickly.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

There is a XXXX account in collections that I know nothing about. This is not my account. I disputed it, received a denial to remove it from Equifax. I then called Equifax and spoke with a person and I asked them what the phone number was, address, any info to connect it to the real me and they were unable/unwilling to offer any proof of connection of that account to me. They also have incorrect personal information, address, work info, and did NOT report a car loan that was paid in full, never late which helps my credit. This is Not Fair. They are corrupt. This is life altering information used against us and nothing we can do to make sure it 's accurate. Disputing does not work, talking to a human does not work. 

I do n't understand how this is Legal.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (PA)

Equifax refuses to provide the free credit report online or by mail. The last time that I was able to obtain my credit report online was on XXXX. Since XXXX, they always ask XXXX bogus questions to verify my identity, which I correctly answer as " None of the Above '', then they tell me that they ca n't verify my identity and that I have to apply by mail with copies of my driver 's license and SS cards. I have done that and still never get my credit report back. This year, I tried again and, once again, got the XXXX bogus questions. This only happens with Equifax XXXX give me my report without any problems. A quick XXXX search for " Equifax '', " Credit Report '', and " None of the above '' will yield thousands of complaints from other users for the same problem that I am having.
Consumer complaint received 2015-12-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IN)

Equifax is pretending that they ca n't read disputes. I find this very destructive to consumers when they use this type of delay tactic. My dispute was CLEAR and PERCISE and you can see for yourselves as I 've attached it. Against my consumer rights they respond with " PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING ACCOUNT NAMES, NUMBERS AND THE NATURE OF DISPUTE '' I can assume that they are doing this to other consumers and probably NOT just me and need a FINE to get them working on consumers issues. I clearly stated as you will see by my included letter the items under dispute and was clear about the reason for dispute. This a clear case of not doing a proper NOR 'REASONABLE '' investigation as required by LAW.
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

My husband of    18 years  and I have  XXXX  joint credit cards, among our own others. In my current credit report, I 've finally noticed that Experian is the only reporting agency that actually halves my " available credit '' for  XXXX  joint card, and completely omits the  XXXX  joint card and gives him full credit for that joint card towards a more favorable score. We have that card paid off every month and are carrying a balance on the  XXXX  Experian " lets " me count.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I have a XXXX collection bill on my credit report that does not belong to me. It belongs to my sister in law. The amount is for XXXX dollars. My sister in law and I share the same name. We also have a common address involved as well.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (PA)

EXPERIAN refuses to delete incorrect variations of my name and address despite my repeated requests to do so as well as providing documentation to them again and again. They refuse to list the XXXX XXXX on my address and have placed the statement " High Risk address because it has pertained to a business or was used as a mail drop or a delivery service. '' This is because they are confusing the business and Post Office in the LOBBY of my building with my condo!
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

I have XXXX separate credit accounts which were sold to third party law firms then I was sued, received judgments, and BOTH were eventually vacated AND discontinued by the court system, as they were never proven to be my accounts in the first place. 'Chase/ XXXX ' XXXX sold to 'XXXX ', and XXXX ' is listed under the same name. Experian is not listing them as 'public records ', however the original accounts are still listed, and as 'seriously delinquent ' when they should be completely 'deleted ' ; as with the other XXXX bureaus which have done so successfully. I sent Experian the certificates of disposition from the court, via USPS certified mail, and received my return receipt, yet no response via mail. I followed up online yet the form would not allow me to submit 'proof ', so I followed up with a phone call at which point I was able to upload proof. I received my finalized dispute results via e-mail, listing both accounts as still 'remaining ' on my report, with no explanation.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

I reviewed my credit report with Experian and learned of an account with XXXX XXXX that I am not familiar with. I attempted to dispute this account with XXXX XXXX via certified letter with the contact information provided on my credit report by Experian as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This letter was returned to me on XXXX/XXXX/16, not deliverable. I then sent a certified letter of dispute to Experian requesting this account be deleted from my personal file due to inaccurate reporting information with copies of my returned certified letter and proper identification. The above case number was assigned as a result of my letter of dispute of inaccurate information. On XXXX/XXXX/16, I received the results of Experian 's investigation, via letter, stating the account was " updated ''. I reviewed the updated information, and the contact address for XXXX XXXX is still showing as the original address I attempted to send my letter of dispute. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) I am unable to dispute the account with XXXX XXXX to the validity of it being mine, and I have no alternative as how to settle. I am enclosing copies of my returned certified letter to XXXX XXXX, the results from Experian on the investigation of XXXX XXXX as to my dispute of inaccurate information, a letter of Request of Investigation Validation by Experian, and my XXXX request of the deletion of XXXX Funding from my personal file. 
Any assistance in this matter will be so greatly appreciated. I look forward to hearing from you.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

There is a business item on my personal credit file and outdated. I have disputed and Experian still has listed. The account is XXXX Bank XXXX XXXX This is outdated ( past the statute ) and should not be on my personal credit file. Action is needed
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2016 I started my dispute with XXXX regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Experian deleted all except for the bankruptcy. However, they did not provide any documentation verifying my signature on this bankruptcy. They stated verified but provided no evidence of how it was verified. I then sent another letter on XX/XX/2016 to Experian to validate this information and provide me with copies of documentation associated with this account. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In response to this letter, Experian states they have verified the bankruptcy. However, they did not provide any documentation verifying my signature. They stated verified but provided no evidence of how it was verified. I 've attached my letters to the credit bureaus, their correspondence, certified letter receipts, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against this agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CA)

I received a letter from Experian stating that " we are required to notify you that within the last 30 days changes to your name, address, or Social Security Number have been reported to us by a creditor. '' I have not changed any of these items about myself. I contacted Experian to find out who the creditor is that did this. They will not tell me or provide any details. They asked me to order a copy of my credit report to check that all is correct. I did that and everything is ok. But I still want to know what creditor is trying to change my personal information and I believe Experian is required to provide this information to me.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I am submitting a complaint about experian credit reporting agency. I just received my credit report again and I went to re-dispute information on there that is incorrect. Experian will not allow me to re-dispute the information. I have XXXX accts that are held with XXXX bank ... .XXXX. I was told by experian a few months ago that I need to contact the bank directly. I contacted the bank and it was confirmed that my accts were not late and should be showing as satisfactory on my report. I received XXXX seperate letters for each credit card company. I sent in the letters as proof and all they did was fix my express account and put that to the satisfactory where it belongs. As far as my XXXX and XXXX cards they are still listing as negative. This has been going on for months as it is affecting my score which is giving me a hardship in obtaining credit etc. I am annoyed that experian will not let me re-dispute the information. This is completely wrong. This is my credit and information on the report is INCORRECT and they are doing nothing about it. I have provided substantial proof probably 4 times already. My question is why would they finally fix my express account and not the other XXXX being all XXXX cards are held by the same bank. This information should have been corrected all at the same time. It just proves to me that they do not do a thourough investigation and do n't care about me sending them the letters from commenity bank telling them these acct 's were not late and they should show as satisfactory. I also had identity theft done with a XXXX card and XXXX XXXX. I contacted XXXX directly as well ... .i filled out the investigation report XXXX sent me and received confirmation after there investigation it was identity theft and the information should be removed from my report. ( which it is ) however the XXXX XXXX acct that was opened as a result of identity theft they are doing nothing about. Experian just keeps updating the information. I am beyond fustrated as this is my credit and not there 's and it is affecting my score.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I have requested that these address be remove from my credit file they are not mine. I need a copy of my FULL XXXX XXXX, XXXX, CoreLogic, XXXX XXXX. Please remvoe the following addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (KY)

Recently I disputed a bankruptcy with Experian that was verified as accurate. I disagree with the results. Although i have filed for bankruptcy in the past the date that Experian is reporting is incorrect my bankruptcy was filed XX/XX/XXXX and should have expired off my report XX/XX/XXXX. The bankruptcy is now only reflected on my Experian report and has long been gone from the other credit reporting agency 's ( XXXX and XXXX ). I have uploaded documentation that supports my claim. please review thanks.