davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IA)

After the death of my husband on XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys on XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me in early XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over XXXX year and XXXX months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact with XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date in XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (PA)

Regarding XXXX XXXX XXXX Credit Card : I have been trying to receive information regarding this negative information on all XXXX credit reports for 6 months. I have filed disputes and the agencies respond as the information is correct. XXXX XXXX has been reporting sporadically over the past 18 months.It has been either an " OK '', no reporting at all or " PD ''. I have not had this card for XXXX years!. I had written XXXX letters to XXXX XXXX and received the same response. Call a number. I call the number and they tell me they no longer have access to this account! If they no longer have access, how is it being reported? They give me another number for XXXX XXXX. I call that number and the system asks if I am tracking an order???? They give me another number, no one ever answers, I leave a message and do not receive a return call. 
I called Experian directly. Explained this to the representative. She asked me to hold and she would call XXXX XXXX herself. After five minutes I got transferred to the same number I called for XXXX and am asked to leave a message!! The Experian Rep never came back on the phone. 
No one can tell me who is reporting this account to the agencies, why it is being reporting as " OK '' when I have no activity, why months go by with no reporting, and now it shows as " Derogatory '' and I ca n't find these people to find out if I owe them money, and if I do where do I send it. Also, at this point, if I do owe any monies, I would not trust the company to pay them and then delete it off of my credit reports. I am receiving the same responses from XXXX and XXXX. 
Two years have gone now since I have repairing my credit. I have completed everything that all agencies, credit companies and financial institutions have asked, and my score has gone down! I am unable to secure loans, a mortgage or credit cards. I am a XXXX XXXX XXXX male who has lived by the rules and that has not helped as I can not work any longer. 
You may contact me for any additional information you may need to complete this complaint.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

Creditor has advised that they have verified the bankruptcy listed on my report. They advised that the number and name of the company that verified this is listed on my report. My dispute clearly requested original creditors documentation on file to verify this information is mine. This bureau has refused to reinvestigate this and I have yet to receive the requested documentation /original contract with my signature to prove this is my bankruptcy.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

After filing a dispute with Experian for erroneously reporting XXXX dismissed bankruptcies, they refused to delete them. The bankruptcy court does not verify or report to the credit bureaus. Sending someone to the courthouse to check public records or using an Internet service such as XXXX is not a legal validation for credit reporting and violates my rights under the FCRA. Experian can not provide my signature and legal validation of these bankruptcies. Additionally, my Experian credit report now shows a comment added on XXXX mortgage account ( XXXX XXXX ) that states, " Chapter XXXX Bankruptcy Dismissed on XX/XX/2016 '' which is completely FALSE and INACCURATE information, another violation of my rights under the FCRA. I request these bankruptcies and derogatory, false comments be deleted from my credit report.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SC)

Due to illness, I used an XXXX to get to hospital XX/XX/XXXX. The ambulance service sent a bill XX/XX/XXXX which my husband paid online on XX/XX/XXXX. XX/XX/XXXX we received a letter from collection agency saying we did not pay for the XX/XX/XXXX service. We provided to the collection agency both verbally and twice in writing with a partial copy of our credit card report showing we had paid and therefore we believe they submitted a false report to the credit bureau because we would not pay again for the service.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (AZ)

I have been a victim of identity theft since XX/XX/2012. I have an extended fraud alert on my credit file. Recently, there has been an increase in attempts by identity thieves to open credit/loan accounts using my identity. Most of the creditors will call by phone and ask me to identify myself and ask if I applied for credit with them. When I deny that it was me who made the application, they simply deny the application and send me a letter in the US Mail stating that they were unable to approve the application because they were unable to verify the information that was provided on the application. Some creditors will send a second letter stating that they will submit a request to delete the inquiry to the credit reporting agencies. My complaint is two-sided - one side is with a particular company that calls and asks for all of my identification ( name, address, phone number, date of birth and social security number ) when notifying me that an application for credit has been made with them in my name. It makes me very uncomfortable when I am asked for this information over the phone and I am told that the company can not verify my application without this information. I am not confident that this request for my information is even legitimate because my information is not requested by all of the companies that notify me about applications that they have received in my name. The other side of my complaint is with a particular credit reporting agency which, although there is a fraud alert on my credit file, has released my credit report to that company.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint to help a loved one and other consumers who are in need of repairing their credit after a divorce or because they do not have any credit established because they paid cash for purchases and never obtained a credit card. My complaint is this. Why is our ability to pay our rent ( which is as much as 2 months of my house mortgage ), utility bills and credit union loans in a timely manner not included as good accounts on our credit reports but get a divorce, move and someone neglect to return a component to XXXX and you find yourself with a 7 year negative account listed on your credit report? 
Also, on one of these government websites, ( it may be this one ) I read a " Special Note to Women '' regarding repairing their credit after a divorce ... no offense but what about the many many men who end up in divorce and after the divorce is finalized is stuck paying for things they had no idea even existed ( as is the story with the XXXX ), or was deviously charged after the fact, or found that their social security number was used to make other purchases they were unaware of, then find they ca n't even get a decent deal on car or motorcycle insurance? These are just a few things in question. It just seems to me that the people who run their lives using credit cards as securing their purchases and not insuring their automobiles make out and us normal everyday people who try everyday to do the right thing pay for it. I could really use some direction on how to help my loved one and others. I look forward to your response and thank you in advance to taking the time to consider my complaint.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (PA)

I 've always had a rep payee and they have always paid the bills in their own name, while taking the rest of my checks and using them for their own purposes. Now I do n't have a rep payee and I had gotten out of prison after 10 years, I did have valid credit cards which were taken and used but no payments were made while I was in XXXX XXXX XXXX XXXX. I have been out of jail now for over 5 years and spent over XXXX of them at XXXX XXXX XXXX home. I started a bank account at XXXX XXXX XXXX XXXX, but since I 'm XXXX and I had to rely on other people 's to do my banking when the weather conditions are too bad, I have been ripped off of over {$150.00} which XXXX XXXX XXXX XXXX refused to help me overcome, they then closed my account and charged me {$99.00} more for this. 
I 'm in a XXXX I ca n't help but rely on emergycare to get me home when my XXXX dies. I ca n't even pay them when my dies on the street and they charge outrageous rates to go XXXX blocks, plus as for my phone bill from XXXX XXXX XXXX, I 'd just pay them and they would tell me I did not pay them and then they 'd cut my service, charging the same amount as I was paying for my monthly service, which was also inferior to other companies services. 
I always pay my debts but am always told that I do n't. 
Now I ca n't open a bank account, get a credit card or even find a job. 
My bills are paid as far as I made legitimate purchases that I 'm actually able and cognizant of making. I ca n't pay for services that I need on an emergency basis and I ca n't cover fees that I was supposed to have made while I was holding on for life or from a hospital room, and I 'm especially not going to pay for costs that I did not make. 
Plus I can see if I just used these services for recreational purposes but I never used any service included herein for any purpose other than what they were absolutely needed for. 
I ca n't even find decent housing and am on the verge of losing the apartment where I currently stay, so what good is it going to do if I ca n't find a place to stay and end up back in jail to keep insisting that I have to pay all these charges when my cell phones were stolen and used without my knowledge or permission while I was at XXXX XXXX. Am I really responsible for these things? And do I really need to pay outrageous fees for things that were either necessary or done in my absence or without even my knowledge?
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

there are many inquires from each of my credit reports that are not mine Equifax XXXX XXXX front point security XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX 3 times XXXX XXXX 2 times XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect information
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE FRAUDULENT COLLECTION ACCOUNT FROM CREDIT FILE. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Equifax removed XXXX accounts off my credit report. All accounts were not old and this has effected my credit score. I have attached the credit report with all XXXX accounts. 

XXXX XXXX XXXX account XXXX XXXX XXXX
Consumer complaint received 2016-06-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (MI)

I want to file a complaint on Seterus regarding in saving my home. Just for Seterus allowed my home to be sold right from up under me. Here is the events that I took to save my home : On XXXX XXXX, XXXX I made every effort to comply : XXXX The process was done with the assistance of XXXX XXXX XXXX XXXX HUD approved XXXX XXXX XXXX. 

XXXX Was told by Seterus my name was not on account as a co-borrower. 
XXXX Was told to go to Probate & get fiduciary letter. When I did XXXX days later paying {$170.00} plus {$12.00} for printing. This had to be signed by my daughters. 

XXXX Paperwork was submitted along with XXXX form, Taxes again with signatures and bank statements. 

XXXX Follow-up with Seterus per any other documents needed they sent a new XXXX ( with check bot ) and they wanted a new XXXX award letter & retirement. 

XXXX Faxed over re-requested documents ( was told will make sure F/C date was noted ). 

XXXX Follow-up spoke to XXXX XXXX she assured all documents in was being escalated to push back F/C sale date. Asked that I call on XXXX for follow-up Stated the fil was in review received letter that all documents in and was being reviewed. 

XXXX Follow-up with Seterus file in review I received a letter stating all documents was in and in review. 

XXXX Received a letter saying that my property was sold on XXXX/XXXX/XXXX I made every effort, complied with all that was asked of me WHAT HAPPENED!!! Why now was my name an issue? I was allowed to repayment plan in XXXX - again way was my home sold and I did everything in my power to comply. For the past four years I have had to deal with the loss of my husband, my health and among other things I 'm trying so hard to keep what I worked so hard for so my children can have a place to come to. 
I am a XXXX year old woman with health problems I XXXX. I have been so stressed out and frustrated over this whole ordeal that I feel like there nothing else for me to do. I thought that you were supposed to help your customers not rob them from their home. I and my husband worked hard to purchase the house we would spend the rest of our lives in only for it to be snatched right from under me. I simply do n't understand that at all. What happened to nice America is it gone it is ashamed that I have had to go through this ordeal to approve or try to save my home. I feel at this point you were never was out to help me to save my home but just to sit me out doors in the streets. All I 'm asking if you could work with me on this matter of saving my home.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NV)

its the same old thing with EQ. i dispute an item on my CR and EQ does no investigation just verifies the information. Sent in paperwork proving item was removed off CR in XXXX 2015, but showed back up 6 months ago. i guess there is no law requiring them to investigate or forward info to credit furnisher. i hear there are really no laws about investigating disputes. the system is automated and ran on computers that are outsourced to other countries. the XXXX credit agencies are worried about ID theft yet outsource to XXXX known for id theft. to save a few bucks EQ puts my info into foreign peoples hands. i hear these investigations are never looked. my complaint is that EQ do a real investigation. that " XXXX. '' DELETED COLLECTION OFF CREDIT REPORT THEN REINSERTED A YEAR LATER WITH NO STOPPING THEM BY EQUIFAX AND NO COMMUNICATION TO ME. I DISPUTED A FEW MONTHS AGO. VERIFIED IN 1 DAY. SOME INVESTIGATION!?!? IM A XXXX VETERAN AND ITS DRIVING ME CRAZY TRYING FIX MY CREDIT REPORT
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

I received my credit report on XXXX/XXXX/2017. Equifax eliminated accounts. Subsequently the report contained XXXX positive accounts and XXXX negative. According to information Equifax shared with XXXX XXXX, not only was XXXX XXXX reinstated but my score went down XXXX points! Screenshots attached. 

Account quantity is not a major score factor according to XXXX XXXX, yet it went down XXXX points, despite my credit increase by XXXX XXXX ( a satisfactory account that I 've had for a year ) and a decrease in in my credit utilization of the same account. 

So where is the science in the Advantage algorithm? It 's fallacious.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

There are XXXX auto loans being negatively reported on my credit report that has both been paid off in full. The creditors XXXX XXXX has sent me a paid in full letter that I have since forwarded to XXXX. Credit report has not been updated. Submitted several documents within the past few months and issues has not be resolved.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

Hello, I have attached an Excel sheet of my credit report with a color code, the yellows are inquires are made but not by me or even my permission, I suspect an identity theft. it seam to me that somebody want to issue a credit card under my name or buy some thing under my name or they might sent these bills to the old address which i moved since thtee years and I undated my new address by phone or online. 
The red coded color:1- XXXX , they never sent me a bill, statement or email to notify me that i owe them money, they reported me without contacting me, However, I went online to check if I owe them and paid my bills. 
2 XXXX company they were sending there statement to the wrong account I called them and inform them that you are trying to draw the payment from the closed account please change the account to another one and I gave them the account number, they never bother to contact me when the first payment came back to fix the issue, but they ran fast to hit my credit. I am current with them. 
3- XXXX XXXX XXXX they never contacted me or emailed me, but because I knew I bought something from them and longed online and paid my bill, three months after I paid my bill they called me and told me that you have a balance of late charges which i am not aware of, I tried to explain what happened, but they insist that I have to pay these late fees which accrued because of their fault. 
4- XXXX XXXX XXXX : I filled the application in the store and filled my correct address, but I do n't know how they were sending my bill to the old address, they called me and discussed the issue and solved and I paid the the amount due at the same time. 
I do n't know why they reported me as a delinquent5- the new employment - XXXX XXXX , who I work for them, I contacted them and asked them, they told me we never ran your credit report and we do n't have the right to do without your permission .. 
please help me out to take all the highlighted items with yellow and red to improve my score. 
your help is much appreciatedXXXX XXXXPhone : XXXX
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

Equifax thank you for the same info you provide in the US MAIL. UMM But you still are not sending the info that I 'M REQUESTION. Ugh.. The creditor report to you. send you all the info on the consumer. you should have every signed contract that the creditor and I had agreed to when opening up a new account. the law states that the reporting agency should have that info on file and it should be available to the consumer by the credit agency ( which is you Equifax. I have asked you for months to send this to me and you have fail to do so. I DO NOT WANT THE CONTRACT FROM THE CREDITOR I WANT IT FROM YOU TO MAKE SURE YOU ARE REPORTING THE CORRECT INFO
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have disputed this information with Equifax and with XXXX XXXX. XXXX XXXX and Equifax has refused to validate that this account is mine. I demand that during this investigation it be deleted from any and all my credit reports. Equifax claims that this information is being reported correctly and has refused to provide me with full details of their investigation. As for XXXX XXXX they have refused to delete this from my credit report as well but has not validated that this account is even mine. I have requested VALIDATION OF THIS ACCOUNT and proof of payment history to show the so called balance owed along with proof of payments that were posted to the account I also requested this information. As of today I have not received this from either XXXX XXXX and or Equifax. I demand that they send me proof that this is my account and that the amount and the information is correct along with complete payment and statement history from day one and the signed contract showing I owned this vehicle as I do not recall ever having an account with XXXX XXXX.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

I did dispute this nonsense withe equifax no respond from this XXXX, they reinserted deleted items on my report I did send them letter to explain too me why did you reinserted deleted item I even talk to them on the phone, they r very nasty they toll me we never report them, wow I see them on my credit report then I toll them here is the amount and dates when they ware deleted, here cfpb I give you amounts and dates when they deleted, XXXX XXXX was deleted XXXX dollars. Another XXXX was deleted on XXXX XXXX amount XXXX dollars, now after a year they did reinserted back on credit file this collection account they delete, XXXX XXXX XXXX, I contact both wats going on no respond from them they blame each other, by the law when they delete accounts from file they ca n't pout them back I blame both equifax and XXXX XXXX XXXX, more I blame equifax for reinserting deleted items