davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Dear sir/madam, First I would like to thank you, my previous issues were resolved because of your advocacy. 
As I am rebuilding my credit, I am watching my credit reports closely now. Please see pages XXXX, XXXX and XXXX. Page XXXX for example : XXXX ; XXXX reported " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX or XXXX '' -last reported XX/XX/XXXX. EQUIFAX and XXXX also reported " included in BK '' but last report date is XXXX. 
My question is : Are credit bureaus mandated to do additional reporting after the bankruptcy filing date? ( restating the same facts! ). 
Please advise ; I will write a complaint directly to the respective credit bureau if what they are doing does not conform with the law.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

Equifax continues to report information on my credit report that does not belong to me. My report number is XXXX. 
The bankruptcy filings listed are not mine. I will need proof that it does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how Equifax verified the information, including the business name and address contacted and the telephone number if reasonably available. 
I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 

I am requesting that these entries be investigated and removed. 

Thank you.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I had a police report with police report with some fraudulent account XXXX XXXX XXXX XXXX, was one. ). 

Equifax refused to block this item on my credit report even though the police report said that the account was open without my knowledge. Additionally, I had also filed a XXXX postal office report as the account could have been open via mail fraud.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

both XXXX and XXXX are reporting late payments. I was told by my banker at XXXX not to pay my mortgage during both my refinance and my mortgage modification. They are reporting that time period as late. I feel this is poor and unfair credit reporting. XXXX offered a holiday relief program, I took advantage of this program offered by the bank. At no time did they tell me that I would be reported as paying late.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

Reporting a collection from a third party collection agency XXXX. They were unable to validate the debt within 30 days, still reporting. I disputed with the credit bureaus asking them to VALIDATE not verify with a XXXX digit code, they refused and did a XXXX digit code verify and did not VALIDATE still reporting negetive. 
Received court documents on a judgement that 's not mine that was reported by a third party not the court. All credit bureaus except for equifax removed after validate the judgment was not mine and received the court notice stating the same
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

This is not a Duplicate. 

I have tried to escalate this matter to Equifax multiple times without success on XXXX XXXX XXXX Account XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XXXX/XXXX/XXXX - XXXX USPS Certified mail - XXXX/XXXX/XXXX - XXXX I have tried bringing this to Equifax multiple times notifying them that the Collector agent did not validate this account within the 30days required by the FDCPA and Equifax repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for Equifax XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX This account showed up on my credit report on XXXX, XXXX for a balance of {$670.00}. This current Equifax report on XXXX XXXX, XXXX Confirmation XXXX and XXXX XXXX, XXXX Confirmation XXXX both states a repetitive response that Equifax verified this account to be a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XXXX XXXX, XXXX. I have a copy of my lease which I 'm attaching. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XXXX XXXX, XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Seterus Inc called my cell phone at XXXX on XX/XX/2015, while I admit I am late this month since I paid a large questionable audit from an IRS agent named XXXX XXXX, there is no reason to harass me this early in the morning when I have not been late for years on my mortgage. In additional Seterus a cease and desist order in teh past as I fought about this type of stuff years ago.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I have a security freeze place on my credit file. I have asked for my freeze to be lifted and every time I call to speak to agent Im being transferred to the Office of Consumer Affairs. I ask the office of consumer affairs to lift my credit freeze and I 'm rudely talked to and hung up on each and every time I call in. They continue to discriminate me and mistreat me. I have now been hung up on 3 times on XX/XX/2016 by a rep in the office of consumer affairs named XXXX XXXX. She is extremely rude and talks to me in a disrespectful unprofessional manner.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TN)

EQUIFAX is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, XXXX Federal Reserve form XXXX XXXX XXXX XXXX prospectus, XXXX XXXX Federal Reserve form FR XXXX balance sheet XXXX XXXX XXXX, XXXX XXXX Federal Reserve form FR XXXX balance sheet ( XXXX ), XXXX XXXX XXXX Federal Reserve form XXXX balance sheet ( XXXX XXXX, XXXX The Deed of Trust. XXXX XXXX XXXX Chain of custody and They need to responded to my request within 30 days from today. EQUIFAX also needs to present me with a certified final forensic audit in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I 'm also requesting them to present the same documents from the following vendors/creditors : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

I mailed written request for verification of alleged debt to XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX. XXXX noted duplication on report and sent notice of removal of record regarding XXXX yet it remains on report. See attached. 

XXXX has failed to provide my dated signature for this alleged debt. 

This alleged debt is listed as being created in XXXX of 2009. According to statutes, the debt, alleged or otherwise, should be removed after 7 years. I respectfully request the alleged and inaccurate debt be removed from my credit report.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: GOLDMAN SACHS BANK USA (MI)

The migration from the previous XXXX XXXX vendor to Marcus by Goldman Sachs has been a complete nightmare for myself and my business. This is sold as a business card. During the transition, it took multiple attempts to actually get cards sent to us after they disabled the previous cards. Then we received multiple batches of cards for the same people in the mail. No one batch of cards worked for everyone. Some people 's cards from the first batch were the ones XXXX used for the account, and then some in a third batch. Moreover, they generated cards for administrative users who were not supposed to receive physical cards and were not assigned credit limits within the company, causing additional charging issues and attempts to link our corporate line of credit against their personal credit lines. 
Moreover, they do not have a way for us to pull the transactions from the website unless you've been assigned a card. No longer does the pull into XXXX work. Their export utilities for XXXX and XXXX files are not compliant, and these files are regularly missing transactions in the export. This has caused my business thousands of dollars in damages and delays, which they still have not been able to resolve.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

Equfax reported, for years, an erroneously {$100000.00} tax lien which was satisfied years ago. They finally corrected that, but now their report also erroneously lists a debt of {$320.00} which is listed by XXXX. I requested, by certified mail ( with proof of receipt by XXXX ), of this XXXX year old puroported debt and they sent nothing. Yet Equifax refuses to either require XXXX to furnish the documentation or drop the claim. XXXX is sued for this type actions frequently and Equifax knows or should know that.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

i have disputed and asked equifax credit bureau to validate a collection that is reported on my credit report. i have no business with this collection company. i was told it was verified but when i asked them to provide me proof, such as, my signature on this, they did n't and could n't provide me any proof that this was mine and i signed for it. to this day, this collection that is n't mine is still on my report. i need validation of my signature and this credit bureau is refusing to provide validation. i need this fix asap. pls help me. thank you.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : I have sent several disputes to Equifax and they have gone ignored dates i sent disputes : XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response. To date they have not responded in any way. 

1. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. Please provide me the name and address of the medical provider the date and type of service along with information detailing to whom the service was provided as any account I might have had would be obsolete. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 3. The status is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 
4. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

7. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

8. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
11. The status is incorrect for the following account ONLINE INFORMATION S Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

13. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

14. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

They are reporting a XXXX XXXX account on my Equifax report from 2010 which besides that it is already over seven time period there is no info whatsoever and reflects negetive on my report because of the way they are reporting it that payment status is uknown. 

Thank you for your help
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

The account below was just readied to my credit report for the third time. For some reason XXXX keeps adding accounts that have been deleted atleast once every two months. they have given me a XXXX for this debt. I have to prove again this should not be on credit report. And they continue to change the account number. 

Name : XXXX XXXX XXXX Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$19000.00} Past Due : {$19000.00} Acct Status : CHARGE-OFF Show Details They also have a lot of inquiries that I continue to dispute. I did not approve of companies getting my credit report.
Consumer complaint received 2015-05-04
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC. (FL)

I have been renting a condo unit for 2 years. The original owner had passed away. The condo association. had Certificate of Title for the property and was renting to me. I have a signed lease thru XX/XX/XXXX.The condo went into foreclosure last year. On XXXX XXXX, XXXX, Ally Bank purchased the property. In XXXX XXXX, they sent a Demand for Possession letter stating that I may have additional rights under the Protecting Tenants Act of XX/XX/XXXX, and asked for my lease copy. My realtor sent both Ally Bank and their lawyer, XXXX XXXX XXXX, XXXX, FL, the lease, proof of my timely rent payments and a letter asking where my rent payments should now be sent. No response to this letter was ever received from either Ally Bank or XXXX XXXX XXXX. In XXXX XXXX a Motion to Issue a Writ of Possession was taped to my door. ( on my end, everyone involved, my realtor, the condo assoc. lawyer, realtor for new owner assured me that my signed lease had to be honored ). On XXXX XXXX, XXXX, a Writ of Possession was taped to my door. Calls to XXXX XXXX XXXX by my realtor, myself and a local lawyer were fruitless. XXXX NOW said they would NOT honor my lease as they deemed it " invalid '' as it was signed after the foreclosure process started. My lease was signed XXXX XXXX. Ally purchased the property XXXX XXXX. They had never stated this to either me or my realtor until XXXX XXXX. They would not grant me an extension. They told my realtor ( not me ) that the sheriff was coming the next day at XXXX to evict me. This was XXXX and I had to scramble to get movers and work all night to pack what I could. Both the sheriff and eviction crew were very kind and they waited while I moved out what I could. I am XXXX years old and Ally Bank and XXXX XXXX XXXX put me out on the street even though I had a signed lease, paid rent timely for 2 years, and kept their property in good condition. Their actions were reprehensible. People need to be aware of their tactics. I am asking Ally Bank to reimburse me for the {$2000.00} moving and storage costs and the {$500.00} in refrigerated and food items I had to leave. No dollar value can be placed on the personal items I had to leave ... things that were to be given to my grandchildren, or on the unnecessary stress I suffered. Instead of sending notices saying " send a copy of your valid lease '', which we did XXXX times, they could have easily told my or my realtor they deemed my lease invalid. I surely would have moved out. I was prepared to leave at lease end anyway as I assumed they would be selling the property. Ally Bank 's slogan is " bank human '' ... .I think they should re-think that one. They and XXXX XXXX XXXX did not have the decency to honor a signed lease for 3 more months. It was easier for them to evict an innocent XXXX. The public needs to know how they operate and give pause before dealing with them. F.Y.I ... If you have a signed lease on a foreclosed property ... .beware, it may do you no good.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I had disputed via the online system with Equifax information in regard to XXXX public records listed on my credit report. They immediately responded to me 5 days later that the information had been verified. I received this information : Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //equifaxconsumers.XXXX XXXX I called XXXX XXXX by phone today at the number Equifax provided at XXXX. I was transferred to the Public Records division. I was told that there is no record of Equifax contacting them about information listed on my file because my file is frozen. My XXXX XXXX file was frozen on XX/XX/2017 and NO information is accessible. I was also mailed a PIN to my home address in the event I wanted to un-freeze, which I have not done! 

They stated NO ONE has the ability to access my record with XXXX XXXX because the file is frozen. I am confused as to whom Equifax spoke with or verified the information with because of the information given to me by XXXX XXXX.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

XXXX XXXX Account 1. The Activity Designator Is NA - And should be PAID and CLOSED 2. The Pay History is inaccurate, and was updated when the Activity Designator was set to NA - and space filled through that month. 
3. There is a Payment XX/XX/XXXX, because THE Activity Designator was changed - on this date. It is Wholly Inaccurate.. 
XXXX. The Pay History during the actual time this account was open - is missing. XX/XX/XXXX though XX/XX/XXXX. 

Please verify the account, correct the Pay History and correct the Activity Designator - OR Delete this inaccurate, and then incomplete Tradeline.
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I am writing in regards 'default ' judgment against me back in 2008. XXXX XXXX XXXX purchased old debt, which the original creditor filed bankruptcy on. When they tried to collect the money from me, the violated many of my consumer rights and have sense been reported ( and corrected by ) to the Federal Trade Commissioner. Had my rights not been violated and I understood what was happening, they never would have won the case. 
I am writing to see if you would consider removing the judgment from my credit report. It has been satisfied and scheduled to be removed in 5 months anyway. XXXX was removed the judgment without my request due to the violations, I believe. I am wondering if you would consider doing the same?
Consumer complaint received 2015-08-17
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: DISCOVER BANK (IL)

My son, XXXX, is applying for a student loan at Discover to attend Univ XXXX XXXX - XXXX and I am his father and cosigning the loan. Discover advertises a 2.99 % rate as their lowest rate. 

In XXXX, my son and I applied for and received a loan at the lowest rate from Discover. 

In XXXX, another son of mine, XXXX, and I applied to Discover for a student loan for him to attend XXXX XXXX - XXXX XXXX. We received this loan at the lowest rate. 

My credit is excellent. I checked with XXXX XXXX and it is XXXX and XXXX. It is as good as it has ever been. I also recently paid down my home mortgage considerably, which seemed to have a positive impact on my credit score. 

Last week XXXX and I applied for his fall semester and we were give a secondary rate of 4.6 % ( over 50 % higher than the lowest rate ). I called and they said my credit score in XXXX was XXXX and my credit now was XXXX, but still both outstanding scores. 

I have worked hard to get my credit score in an excellent range. Paying down the mortgage was a big part of that and took considerable resources. 

Discover offered no explanation other than the decision is based on their algorithm. 

I do n't believe them and I believe I am unfairly being treated and discriminated against.