davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (PA)

i have a fraud alert placed on my Equifax credit file that i have no knowledge about. I disputed the alert with them and was told that my file has no freeze or alert on it when it fact it does. I pulled my credit file today and i attached proof of my complaint
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MN)

Equifax reinserted previously deleted information on my credit report. The following accounts was previously deleted from my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, MN Child Support Enforcement.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

All Bureaus XXXX, Equifax, and XXXX have failed twice to investigate my disputes. As you can see from all the documents. It 's been over 260 days since I sent my first dispute letter and a duplicate of it on XXXX/XXXX/2016. This is against my right to dispute my credit. I would like the CFPB to investigate and demand the removal of all issues in question on my credit reports. Thank you.
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

Through XXXX and XXXX, my credit report shows that my XXXX XXXX account is " closed '' and in collections. On my Equifax report, it is showing that it is " open '' and in collections. Because it is listed as " Open '', and payments are going to a collections agency rather than the original lender, I am incurring " missed payments '' on my Equifax report. I filed a dispute, and the account 's closed date was verified, but was still not updated on the report.
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NM)

I have been trying to receive my credit report and credit score for the past two years and all I receive is statements saying I am not the person or incorrect information. I have been denied my report from all XXXX credit bureaus and am confused on why.I have had my drivers license suspended and other issues I have reported and everyone does n't believe I am me.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

It was determined that a tax lien was filed against me in error. The Department of Revenue released the lien and the reporting of such lien by the Clerk of Courts. I sent a letter to all three credit reporting agencies. The lien was removed from my XXXX and XXXX credit reports, but Equifax refused to honor the letter. I contacted them again regarding the matter and they still refuse to remove the error from my credit report.
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I Would Like To File For Identity Fraud And Clear My Name. From XX/XX/XXXX-XX/XX/XXXX I Was XXXX And IN Between XX/XX/XXXX-XX/XX/XXXX Someone Was Using My Name And Social Yes For Mortgage Loans, Student Loans, And Auto Loans. I 've Never I REPEAT I 'VE NEVER FILED FOR ANY OF ABOVE.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

In XX/XX/XXXX my home went into foreclosure. The mortgage company was XXXX XXXX Mortgage. The loan was sold to a collections company by the name of XXXX XXXX XXXX in XX/XX/XXXX. I am requesting that this debt be removed immediately from my all of my credit reports for the following reasons : 1. ) The account started off as a collections account but was changed to a revolving account hitting my credit every month like a credit card even though it is a mortgage in collections. 2. ) The account was reported as closed in XX/XX/XXXX and then re-opened again. 3. ) I was contacted by the Attorney Generals office regarding the XXXX lawsuit and received a very small monetary settlement as a participating litigant because the original lender was found in violation of the Fair Credit Reporting Act, and 4. ) This is not the original debtor and I never signed any paperwork with this company saying I would pay this debt to them, XXXX.
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

I had a home equity loan from XXXX XXXX XXXX that was forgiven due to the lawsuit XXXX. I had applied for a business loan and got denied because my credit score went down XXXX points because my loan is reporting unpaid, past due of XXXX, and a balance of XXXX. I sent XXXX letters to all the credit bureaus and XXXX times, they sent a letter back stating the account is correct and will remain on my report.
Consumer complaint received 2016-12-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: DISCOVER BANK (CT)

Discovery Bank sued me for a credit card I did not apply for, XXXX I was under the age when this card was opened. I have no Knowledge of the said debt and would like it removed as its reporting to the CB as a public record and judgement affecting me
Consumer complaint received 2015-11-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: N.A.R., Inc. (TN)

I have been receiving calls from a debt collection agency for years. Every time they call, they ask for the same person who has my first and last name but a different middle initial. It appears that NAR in Arizona is the company that calls me once every few months. I have asked this company to remove my phone number from their database yet I receive calls from them on a regular basis.
Consumer complaint received 2017-02-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Lloyd & McDaniel, PLC (OH)

My sole source of income is Social Security XXXX. I have a checking account and a savings account which had approximately {$800.00} in it. Lloyd & McDaniel, LLC of XXXX, KY garnished my savings account, taking more than half of it to collect on a debt that they 'd already attached to my condominium as a lien. 
My fear is that they will try and attach garnishment to my XXXX income even though I believe they are not allowed to by law. I need to make sure they ca n't take anymore of my income from me. I told them when they contacted me that I could not make payments on the debt at this time and that I planned to sell my property this year, thus allowing them to collect what I owed. But this was n't satisfactory for them. 
I have read numerous other complaints about this debt collectors practices. I live on a limited budget and while I realize I owe a debt I ca n't have what little money I have just grabbed from my bank account. This hurt me very badly financially and I do n't believe it should be a lawful practice. Also my own bank attached a high fee to the garnishment transaction adding even more distress to the situation. 
I contacted Lloyd & McDaniel several years ago about this debt and they were nasty and rude to me and gave me no credence as far my explanation for my financial situation. They act as sharks toward people without ability to pay them.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

About XXXX months ago my credit score was in the XXXX, then it went down to XXXX and now it is down to the XXXX I do n't understand what is going on. I looked at my credit report and do n't see any changes. There is no one to talk to at any of the phone numbers. I need to speak to someone and inquire about the drastic drop.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

Experian is refusing to investigate information that is on my Free Credit Report. The information is old, ( XXXX XXXX ) and should of been removed as of XXXX/XXXX/2016, according to my previous Experian Report # XXXX, however, I can not get them to even check my old report information, due to the fact that they investigated this particular account years ago. I do n't need them to contact the institution, I just need Experian to check my old report information to see that this information is negative and old information, and suppose to be off my report by now.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

The collection files are third party accounts that are from Fraudulent creditors ( XXXX # XXXX & XXXX ). The account was removed for fraud in XX/XX/2014 I do n't know how the accounts was resubmitted to my report. The accounts should be deleted immediately.
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

I had my mortgage payment to XXXX Mortgage set up on auto pay from my bank to insure that my payments were always on time. XXXX mortgage apparently made a {$180.00} increase to for escrow fees I was not aware of this spring and sent my XXXX and XXXX payments back. I did not XXXX this until I checked my bank statement in XXXX since I am a busy XXXX this time of year, which means the XXXX payment was reported as more than 30 days late. I immediately caught up the payments with the {$180.00} adjustment and transitioned for XXXX Mortgage to auto withdraw to avoid this from happening again. I paid my mortgage on time, it was just sent back by XXXX and they then reported the rejected payments as late to the credit reporting agencies. I never received a phone call or email about the rejected payments and they have that information, which would have allowed me to correct the error more timely. My credit has now been destroyed for 7 years for a {$180.00} escrow fee adjustment and my bank XXXX XXXX has now closed both of my business credit accounts, which will further destroy my credit. I tried to appeal to XXXX in a letter explaining the situation and my good history of payments and just got a canned cold response that they are obligated to report accurate information to the credit bureaus. The letter said to call the contact with questions and the person does not answer the phone or return voicemail messages.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I hav previously disputed with Experian about my identity theft and I do not seem to go anywhere with them because they continue to verify those accounts and keep them on my credit report. I am sick and tired of this. I want those items remove immediately or I will seek legal remedy. This is the last chance I am providing Experian for them to do good on this ID theft which is very detrimental to my credit report. This is affecting me personal since I am looking to get an insurance office but those items that appear on my credit report which are all ID theft are hurting my chances. Experian you need to act now or I will see you in court!!!
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I was recently alerted by a credit reporting agency regarding a Judgement Placed on My Credit Report. XXXX XXXX XXXX Placed a NEGATIVE REPORT stating a Delinquency Regarding XXXX from 2001. 
I have NEVER been Contacted by this company by phone or mail regarding this account. 
This may NOT EVEN BE MINE. Not sure what it is, who it belongs to, just that it was Placed on my Credit Report Causing my Credit Score to Drop XXXX points!!!!! 
I sent an email to the company Never received a Response. 
A DEBT from 2001!!!! is n't their a statue of Limitations? But to also attach something like this on someones credit report without any correspondence? 

It Certainly pays to Monitor your Credit Score on a regular basis.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (AZ)

This dispute is with Experian and XXXX. Original alleged debtor is XXXX. I spoke with XXXX- they could not discuss my file or give me any information because the file was too old. I spoke with XXXX and XXXX, they would not and could not send me documentation showing that I was given notice of this debt. I had no knowledge of this until I checked credit reports. There are XXXX solid reasons- legal reasons- to remove. There is a lot more, but the agencies are not able to include all details as they are limited to number of words. This report is being done illegally, maliciously and incorrectly. It is also being reported by XXXX. Transunion removed it! As all should. I want to file charges against XXXX, Experian and XXXX and file an official complaint with the FTC and States Attorney Office.
Consumer complaint received 2015-12-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MN)

On my report is states that I have XXXX XXXX XXXX Student Loan accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed twice basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

Non-bankruptcy derogatory items that are more than 7 years old from the date of original default remain on my credit report and a comment that they were previously investigated in a previous dispute over 6 months ago. Well the added 6 months has only made the items more egregious for remaining on my credit report. Negative items are reported twice - once as the original debt holder and secondly as collections items by a agency. This creates the impression to a prospective creditor that I am a higher credit risk than I actually am, because I have twice the number of derogatory items than I should! Inquiries that are more than 2 years old still remain on my credit report.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IA)

I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I have attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the last few days their collection agency ( XXXX XXXX ) contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly this month so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone with them and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. I have absolutely no problem paying a {$99.00} charge if it is valid but I have a significant problem with XXXX not providing me the information to know whether it is valid. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

The following accounts and inquiries are a direct result of ID theft yet Equifax refuses to remove the accounts/inquires from my credit within 30 days are required by law : Accounts : XXXX XXXX XXXX and XXXX and XXXX XXXX. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

Currently, my XXXX credit card is no longer reporting on my Equifax credit report. I have been an authorized user for this credit card since XXXX. XXXX has confirmed ( see attached ) that it is currently reporting the data from the account holder as well as my information to all XXXX credit bureaus. Attached is a letter from XXXX confirming this information along with a current statement. In addition, I 've also included an Equifax credit report dated XXXX displaying the account previously reporting.
Consumer complaint received 2016-10-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I made a mortgage payment on XXXX XXXX with extra towards escrow. They applied the entire amount to escrow. I have been trying since XXXX XXXX 2016 to get this corrected to no avail, now it has been put against my credit. I have called 5 times to get the issue resolved and keep being told it will be another 2-3 days. I have also sent a fax ( that they requested ) twice on the XXXX and the XXXX.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

Disputed with this credit bureau concerning XXXX XXXX and sent in backup that this debt was in dispute before this was placed on my credit report and was being collected by XXXX different collection agencies. I asked for the backup to how they verified this amount and they did not send me any information just left the insertion on my credit report
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

XXXX XXXX is still reporting a debt that was discharged in bankruptcy. Partial Account number XXXX is still reporting a balance of {$760.00}. I would like this updated to Included in Bankruptcy and balance reported {$0.00}.
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

I am filing a complaint because equifax is giving me a hard time in putting a security freeze on my file. My file is being handled by there consumer affairs department and it is always a problem when i need to request anything from them. I need a security freeze added to my file immediately.
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the Federal Bankruptcy Court ( but no documentation to support that ) and if I had questions to contact the Bankruptcy Court at the address listed on my Credit Report. I sent a letter to the Bankruptcy Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

Equifax have copy of police report and so does they company i am disputing. I 've requested equifax to send me copy of contract, proof of validation and they failed to do so several times been back and forth with equifax sine last year i 've sent the letter to the several times every time i dispute this account
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NJ)

I am having a problem with the current holder of my mortgage loan, Seterus Loan Servicing. I have dealt with rude customer service agents who refuse to look at my current financial situation or assign a designated contact to work with me. My loan is a government Fannie Mae loan and I know that there are some new programs available for homeowners like me who are struggling. I bought my home in XXXX and my loan was transferred to XXXX. I dutifully made my monthly payment until the recession hit and I lost my job after 16 years with the same company. I had issues trying to get set up for unemployment and after my savings were depleted I fell behind. Once I found work again I tried to engage with XXXX ( who now held the loan ) but they would not work with me unless I got caught up on the payments -- but I was too far behind at that point. 

I finally got some traction in XXXX when the loan was transferred to Seterus and went through a review for a modification and was approved. The problem was that my payment went up nearly {$400.00} a month and my interest rate was 5.5 %. I was scared this was all I would ever receive from them so I accepted the offer and paid on it for as long as I could until it just did not work anymore. Since that time I have repeatedly tried to re-engage Seterus but have made no progress. I just heard about some new Fannie Mae modification programs that have been started and I believe that I fit into the rules for these programs. I have attempted to get Seterus to review me for these programs but continue to get poor customer service and deal with disinterested and rude agents. I do not think this is a good way to run a company and want to file a complaint against Seterus.