davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

I contacted Equifax online and by phone to obtain a copy of my credit report. I was able to obtain my credit score without a problem. However, there was no place on the web site to order a FREE credit report, and when I called them, the Equifax representative said they could not mail me a free credit report unless I paid for it. I checked the CFPB website and learned that, per the regulation, I should be able to obtain a free full credit report.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

i have sent XXXX certified letters to equifax asking them to verify and valadate the tax lien thats on my credit file. after they said they verified it i asked for a judgement or any proof. they havent sent me any proof neither have XXXX XXXX courthouse which i sent XXXX certified letters to. After speaking with the bureau letting them know i have never recieved anything from the irs stating that i owe this state debt and no one has sent me any verification it is only fair they remove it. they told me to go talk to someone at the court house. i explained i spoke with several people their and continue to get the run around. they told me the debt was paid and it will update on my file. i told them i didnt pay it and its not mine.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I contacted XXXX XXXX XXXX regarding this account and they agree to close it. 
The account is from XXXX/XXXX/2009 is more than seven years. Equifax has refuse to remove it from my credit file because they say is there policy to keep it from the day of last adivity. 
I think they want me to continue paying for the membership. 
Please Help ...
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NY)

This is an addendum to my contemporaneous record being recorded here. Currently, I am being blocked from not just logging into my Credit Karma Spend account but now they are saying they are having technical difficulties and it is blocking me from logging in all together via computer. 

I still have not received my forms via mail for disputing charges or my statements. 

XXXX**Keep in mind, that I do have more video evidence that I can send if I am emailed or contacted via ordinary mail, because the system here is funny and not allowing me to upload all the evidence that I have both in video and screen shots.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NJ)

I have been working with Seterus Mortgage Acct # XXXX to obtain a Deed in Lieu. I submitted all documentation including proof of discharge of 2nd mortgage etc. After submitting all docs a required under XXXX Seterus said they can not complete a Deed in Lieu because there are {$7500.00} in judgements against me. I believe under XXXX There is money allotted for this. I have had to declare bankruptcy and will now face foreclosure. I attempted this with XXXX and XXXX servicing. I finally received the discharge from XXXX and face this disaster. Thank you.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I made a purchase in XXXX and XXXX of XXXX with My XXXX XXXX XXXX XXXX XXXX. I had been enrolled in auto pay so I thought nothing of this when I did not receive a statement for the purchases. I received a call from a credit agency in XXXX of XXXX linked to XXXX XXXX. I called XXXX XXXX directly and was informed that I had been charged numerous late fees. They are claiming that I was NOT enrolled in auto pay and that I had signed up for e-statements. After settling this matter with them and coming to an agreement on the amount owed and paying the balance owed in full I have come to find out they negatively reported ( account closed for non-payment ) to Equifax and other bureaus. This has dropped my credit score from XXXX to XXXX. Not only that but after settling this with them they sent me a PAPER notification in the mail on XXXX XXXX and XXXX stating they would be taking {$250.00}. 
This is deceptive. They did not send me ANY notice in the mail about needing payment. They did not call me directly when they clearly had my phone number and address on file. They unfairly charged me off and reported me. If they can send a paper notice for a payment they can certainly try to reach me for payment before charging me exorbitant fees and effecting my credit rating. 
Also, after settling this debt with them and my account had a XXXX balance they charged me ANOTHER late fee. When I called back they agreed to return XXXX {$19.00} late fees. They said the only thing they can do is put a credit on the account. THE ACCOUNT THEY CLOSED AND REPORTED NEGATIVELY. How am I supposed to get the money back from a CLOSED account??? 
There practices are abusive toward consumers. They made no effort to contact me before negatively impacting my life. To this date I have never received paper or electronic notification that my account would be closed and negatively reported. I only discovered this after checking my own credit report. Also, none of the customer service representatives that I spoke to mentioned this either.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

My Equifax report dated XXXX/XXXX/2016 reflects a hard inquiry for a credit facility for which I DID NOT apply : XXXX / XXXX XXXX on XXXX/XXXX/16. I suspect identity theft and have put fraud alerts on my credit reports. In the meantime, these inquiries need to be removed from my report as they were fraudulent.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (DE)

I filed for bankruptcy and it was discharged as of XXXX/XXXX/2015, my attorney XXXX XXXX sent all XXXX credit bureau 's a copy of the discharge. XXXX XXXX and XXXX has updated the information when I called to find out why Equifax was not updated on XXXX XXXX, 2015 a representative stated they did not receive my bankruptcy discharge, so I sent them a copy of mine. I called today XXXX/XXXX/2015 after looking and seeing that they still did not update my credit report the representative to me why do I want the bankruptcy on my report. I told her that it is suppose to be on my report for 10 years and all the balance dropped to XXXX. I then asked to speak with a manager and she hung up on me. I called my Attorney and she told me that what the representative told me was ridiculous. I called Equifax back and asked to speak with a manager again and the young man hung up on me. I then in turn called again and asked to speak with a manager and the young lady would not put me through to XXXX and said maybe she could help so I gave it a shot and told her what the issue was with my bankruptcy and the accounts still showing a balance and she told me that she see 's my bankruptcy paperwork and that they can not update the credit report because Delaware Bankruptcy court has to send them my discharge paperwork. Well I called the Bankruptcy court and they do not send the credit bureau 's the discharge paperwork. Though all this Equifax hung up on me XXXX while trying to speak with a manager.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OR)

Equifax will not remove a dismissed Chapter XXXX bankruptcy filed XXXX/XXXX/XXXX and dismissed in XXXX from my report. 
Some history : I had good credit prior to my marriage in XXXX XXXX. I owned a home and was renting it out when I moved to XXXX, Oregon. In XXXX XXXX I learned that my husband was over {$65000.00} in credit card debt and his home was in forclosure. Because I was unemployed and could not afford my payments, I sold my home on XXXX, Oregon in XXXX in a short sale. In XXXX XXXX we consulted XXXX XXXX, to file a Chapter XXXX bankruptcy. I was working part-time and she said my name had to be on the petition in order to be eligible. Under duress, I agreed to include my name on the petition to avoid forclosure. 
I later learned that spouses do not have to file jointly to be eligible. The XXXX Court website which states " Married individuals must gather this information for their spouse regardless of whether they are filing a joint petition, separate individual petitions, or even if only XXXX spouse is filing. In a situation where only XXXX spouse files, the income and expenses of the non-filing spouse is required so that the court, the trustee and creditors can evaluate the household 's financial position. '' I left my husband in XXXX XXXX and moved back to XXXX. The divorce was final in XXXX XXXX. I started working in XXXX XXXX and have been paying my bills and rebuilding my credit. I 'm trying to purchase a home now and the bankruptcy is still on the Equifax report. 
The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, this record must be deleted from my credit report.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

To whom it may concern : I submitted a complaint to all XXXX credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 
I have attached my follow up letter to Equifax for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (TX)

I called Experian on XX/XX/2016 and spoke with XXXX regarding the results from the reinvestigation of my credit report. He asked for me to verify my private information and afterwards asked me how me could help me. I told him that I did not agree with the investigation results pertaining to the account XXXX XXXX that was showing as updated on my credit report. I asked XXXX to tell me how the account was verified, because I have the right to know. XXXX informed me that he did not know specifically what method was used, and if he did know ; he did n't have to share that information with me, because that is confidential information between Experian and the original creditor. He stated that the original creditor is the paying customer that furnishes the information on my report ; so they are the only ones who could gain records or make any changes in regards to information pertaining to my credit file. At that point ; I was so distraught and I became very upset. I told him that according to the FCRA, I have the right to know and by law I am entitled to receive that information if I requested it, because this credit file that Experian is holding is pertaining to my livelyhood. At that point ; he told me that he could not help me with that information, and if there was anything further that he could assist me with. I told him that he is violating my consumer rights, and I demand to speak with his supervisor immediately. He told me that he will transfer me to XXXX XXXX to further assist me. At that point he made disconnected my call completely. I immediately called back for assistance, and after my information was verified ; I was directly routed to XXXX XXXX who was unavailable to assist me. I have to say that I have been violated in the worst way when it comes to my consumer rights and being treated fairly. I am so hurt ; literally in tears as I write this, because I have rights, and he treated me as if I was scum on the bottom of his shoe. He treated me as though my demands or request did not matter. I want this report completely removed from my account, and this employee should be fired for treating law abiding citizens like this.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CO)

Experian continues to report wrong information in the address section. They show that I have resided at XXXX XXXX, GA XXXX. I have disputed this multiple times to no avail. I just got the new case file number XXXX which still has this address on the file. This needs to be deleted at once. I also requested all contact information of who supplied this information which Experian has failed to comply with. This violates the FCRA.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

EXPERIAN WANTED TO RESPONSE TO YOUR INVESTIGATION THAT YOU CLAIMED TO HAVE FOUND. # 1 YOUR investigation were and is incomplete because I never Got any of the original sign documents from you in which the FCRA 609 STATES CAN YOU PLEASE SEND ME THOSE THE LAW STATES THAT YOU SHOULD HAVE THOSE ON FILE WHEN THE CONSUMER REQUEST THEM. SO HOW DID YOU COMPLETELY VERIFY THE ACCOUNTS # 2 THE LAW SAY NOTHING ABOUT ASKING THE ORGINAL CREDIT FOR THE FRCA 609 ACT PLEASE EXPLAIN? THE LAW STATES IF THE REPORTING AGENCY CAN NOT VERIFY THE ITEM HAS TO BE REMOVE SO MY MAIN QUESTION TO YOU IS DO YOU HAVE THAT OR NOT?
Consumer complaint received 2015-06-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (IL)

I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the XXXX day time period.
Consumer complaint received 2016-04-20
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NV)

I 've made payments to ACE and I 'm being contacted by multiple collections agenices stating a warrant is going out for me if I do n't resolve this matter immediately. i paid one of the callers becasue he called my main desk and told security a warrant is going out for me if they were n't connect to me immediately. then a week later I got called by another collection agency telling me the other was a fraud and I should request a chargeback. I have paid this company three times and keep getting threatensing calls. What do I do?
Consumer complaint received 2016-08-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: J&L Collection Services (CA)

The agency ( J & L Teamworks in XXXX, CA ) I feel is practicing unfair practices in regards to collecting payment. They allow me to send in a check to pay amount due for free, but they charge me a " processing fee '' in the amount of {$12.00} dollars if I wanted to use my debit card, or {$3.00} to use a check over the phone, each time I pay. I just recently got married and so I have a new account meaning if I wanted to not be charged then I would have to order a whole new box of checks specifically for J & L. I do not usually use checks so I should not have to order them for the XXXX agency. J & L mentioned that I could write in my card information on the monthly statement, however they will not provide space to write it in. I am only able to pay {$25.00} a month, so the " processing fee '' is about half of what I pay each month. Your website mentioned that they are not allowed to charge interest ( which they are at 10 % annually ), nor are they allowed to charge any other fees unless specified in via a contract. I called to request a copy of a contract in writing, the agency however refused to supply one. I thought this was very odd, as well as unfair. If they continue to charge the {$12.00} dollar fee than I will be paying almost double of what I owe. This is ridiculous as my debit card is the most convienent way for my to pay. If I were using a credit card, then I would understand the fee, as credit card companies often charge surplus fees to the companes, but debit cards however are free, so they are making much more profit at my expense. I owe roughly XXXX dollars on the account, if I pay XXXX dollars a month, it should take 28 months to pay off. I If I were to let let them charge my {$12.00} per payment that would cost me an extra XXXX dollars putting my balance a little over a thousand dollars. That in turn would take me 45 months to pay off. That is an extra 14 months, that is an extra year, soley because of the ridiculous fees.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

To whom it  may conc erns, I am writing regarding a few accounts that have been on my credit report with Equifax for more than 7 years. I have contacted Equifax many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Equifax has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Equifax and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX   )   XXXX   XXXX   XXXX   XXXX   XXXX  ( I HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   Thank you
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe (NJ)

I got a new cellphone number, last person who had number is the debtor. I have been getting calls over the years regarding debt-told them to stop. They stop & start up some time later.
Consumer complaint received 2015-08-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: High Point Asset Inc (NC)

I paid off the loans last year to a different collection agency. I have the release letters for the loans they are trying to collect on. I sent them to this company but they continue to harass me and now they are calling my cousin harassing her. My cousin has XXXX and she was very upset with theses calls. They have threatened jail because of fraud.
Consumer complaint received 2016-02-09
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I turned in my leased ATS Cadillac to the dealer on XXXX XXXX, 2016 at the end of the lease in impeccable shape. The inspection from Ally was done 3 weeks after I turned it in. I have gone around and around with Ally several times why I feel the charges are not accurate and request that a manager call me - which to this date has never happened. I want them to give me an explanation on what these charges are for and why they are refusing to dismiss - since the car was parked in the lot 3 weeks in a super tight lot - who knows who dinged the car in that time period. 

The car was sold at auction - and knowing that they are trying to make more money from me when they made their money ( and more ) from the auction dealer - is even more ludicrous and appalling. 

I am filing this complaint especially after seeing the XXXX dollar law suit that has been charged against them - and the unfair practices that they are known for.