davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thank you for your help, XXXX XXXX
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NC)

Seterus is the service of loan in my fathers name who is deceased. 
They are attempting to foreclose on the property. 
I am offering to bring the loan current and continue to make payments however they will not provide the payoff figures to me. 
I have supplied both the Death Certificate and POA of my mother, the surviving spouse.
Consumer complaint received 2015-04-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

THIS LOAN WAS SOLD TO SETERUS BY XXXX. THE STATEMENTS WERE MAILED TO MY ADDRESS INSTEAD OF MY PO BOX IN XXXX. THERE IS NO MAIL DELIVERY TO MY ADDRESS OR ANY IN THE TOWN OF XXXX, ONLY PO BOX DELIVERY. I DID NOT GET THE STATEMENTS AND, THEREFORE COULD NOT PAY THE BILL. I WAS NEVER LATE ANY OTHER TIME. IT SHOULD NOT BE REPORTED AS A LATE PAYMENT.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

There is an account from the Veterans Administration on my credit report from XXXX that shows I have an oustanding balance that either went to Collection or charged off. However the account was paid in full. I have submitted a dispute through XXXX and XXXX responded asking for documentation from the Veterans Administration that verified the account was paid in full. I called the toll free number various times and have consistently been unsuccessfull obtaining such document. I feel that responsibility lies with XXXX to obtain current information from the VA regarding the account. I feel they are acting negligently and there is a legal obligation to keep this account accurate. This has been paid XXXX of 2012.
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

On XX/XX/XXXX, an account was fraudulently opened in my name & social security number with XXXX XXXX. I was alerted to this issue by my credit monitoring service with Equifax. XXXX XXXX was contacted and the account was closed as fraudulent prior to the card being activated or used. XXXX XXXX communicated in writing on XX/XX/XXXX and indicated the above referenced account was to be removed from my credit report. The account has been removed however the inquiry, which I did not authorize, has not been removed from my Equifax credit file. I have disputed this issue with Equifax XXXX times and each time the result is as follows : '' We have reviewed the inquiry information for XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor '' I have contacted XXXX XXXX and they indicate that they have informed Equifax to remove this inquiry and record on XXXX XXXX and can not do anything further and that I should contact Equifax. 
Equifax when contacted as per XXXX XXXX responds that they are unable to do anything and that I need to contact XXXX XXXX. The finger pointing has been occurring since XX/XX/XXXX ( 60 days after the official communication between XXXX XXXX and Equifax XXXX. 

I want this un-authorized inquiry removed from Credit Report as it has affected my FICO Score, decreasing it XXXX points on XX/XX/XXXX.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PR)

On XXXX XXXX 2016 i made a credit report for a mortage loan. In my credit history appear a XXXX verification twice XXXX on XXXX XXXX and the other appear on XXXX 2016. I never make a request for the mentionated company or any service for that company.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

With Equixax, I disputed an adverse report-charge off from XXXX for {$87.00}, as not being my account. Equixax states that they are not reporting this account in my file, but they are reporting it as of XX/XX/2017 in my Equixax credit report # XXXX. Also Equixax will not provide a contact number or any reasonable and viable way to contact them to resolve this dispute, necessitating this complaint. And, XXXX Consumer Credit Dept states that they have no record of this account. I want this report removed or written proof that it is mine, and what the purchase was, etc. Thank you for your assistance and attention.
Consumer complaint received 2016-04-09
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (NJ)

This attached document is a " Qualified Written Request '' ( QWR ) in compliance with and under the Real Estate Procedures Act, 12 U.S.C 2605 ( e ), ad Regulation X at 24 C.F.R 3500, and the Gramm Leach Bliley Act and it was sent to the servicer, Statebridge Company, LLC. Also, attached is a letter from the servicer received in response to the Qualified Written Request. Assistance is requested in obtaining a complete, full disclosure rponse to the attached QWR as is our right under the above act.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NC)

This is getting ridiculous. Experian sent a correspondence claiming to have concluded the investigation for my dispute against the said debt purported by XXXX XXXX as valid. I have submitted copies of all my letters to XXXX initiating billing disputes. XXXX XXXX has violated the Fair Credit Billing Act. At best, this matter boils down to a billing dispute initiated by me before voluntarily canceling my service. XXXX has yet to acknowledge my billing dispute and just keeps sending me unaltered copies of the final bill. It 's like I 'm " talking to a brick wall. '' This is willful ignorance. I use plain, straightforward language in my correspondence, and I 've submitted it to XXXX Experian. XXXX XXXX has unlawfully reported this account intending to affect my credit rating and willfully reported me as delinquent. This is grossly inaccurate. I have submitted a request for full disclosure of the investigative process carried out by Experian to verify said debt, and sent a copy of the letter to XXXX XXXX corporate headquarters in New Jersey. I have filed an FTC complaint against XXXX XXXX. 
XXXX XXXX has committed several violations of the FCBA and FCRA, including but not limited to, threatening my credit rating, reporting me as delinquent, willfully failing to acknowledge my billing dispute, failing to apply/post credits, charges for goods and services you did n't accept or that were n't delivered as agreed, and unauthorized charges for data when I only agreed to start service under the promise of an unlimited data flat rate plan for XXXX phone line. Experian has equally violated laws protecting against that to which I 've been subjected because they have failed to decide this matter according to law. My documents clearly show that I have initiated my billing disputes timely and properly. The mere submission of a bill statement from XXXX is legally insufficient as peremptory evidence that the XXXX account balance is accurate. That just gross bias. My documentation is not being taken seriously. My complaints are not being taken seriously and meanwhile XXXX XXXX is still wrongfully report me as delinquent and has never even so much as acknowledged my billing dispute.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

EXPERIAN fails to remove inaccurate revolving account information. EXPERIAN reports incorrectly that credit usage is XXXX % .. EXPERIAN reports incorrectly that Total Credit is {$2300.00} and Credit Debt is {$27000.00} EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (MA)

On XXXX/XXXX/2016 I used XXXX, which ultimately directed me to the Experian website to obtain my XXXX bureau credit report. I ultiamtely paid {$39.00} for this, despite that it is freecreditreport.com and implies a fee credit report which does seem deceptive to me the problem is not so much the {$39.00}, I agreed to that cost, it is that on XXXX/XXXX/2016 and XXXX/XXXX/XXXX I was charged {$21.00} without my authorization, and I need that refunded. 
The first step I took was to cancel any recurring billing, it is always my habit to do this to avoid this type of situation. Further it is a bit of an outrage for a credit reporting agency to engage in this kind of behavior, we expect it from the local gym who " forgot '' to cancel your recurring billing, but not from an organization like Experian we are supposed to be able to trust. 
The agent I spoke with today XXXX/XXXX/2016 at about XXXX XXXX was named XXXX and her employee ID is # XXXX, she was as helpful and understanding as possible but indicated her supervisor would only authorize XXXX refund of {$21.00} not both charges. If these charges were valid, they would not reverse any of it, so it is clear to me they acknowledge I did in fact cancel the billing as I described, it is in essence them asking for me to pay for their mistake which is unfair. 
Further, when I called it was at first explained to me that the {$39.00} alone gave me access to my credit information for 180 days. Then during the call I got an email regarding downgrading which I did not request. Then later in the call the agent, XXXX informed me that I only had paid for 30 days of access. A lot of confusion really, it seems as though things were made up as they went along.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX I checked my credit through annual credit report to see if a foreclosure had been removed. I selected Experian as the agency. When I went to check the credit they wanted to charge {$4.00} extra to get my credit score. In small fine print it said they were signing me up for a credit monitoring service, but I was not clearly made aware of this. I also was not informed that a charge outside the original agreed upon {$4.00} was going to hit my credit card on XXXX/XXXX/2016. On XXXX/XXXX/2016 I was charged {$19.00} by Experian. On XXXX/XXXX/2016 I saw the charged and called to ask why I was being charged. The agent on the phone informed me that I signed up for the service. I told him I had no knowledge of signing up for the service and that they never informed me I was about to be charged. The agent refused to refund my money for the service that I had never used and said they had documentation proving I signed up for it. I do n't think they should be allowed to sign people up for a service who are coming form annualcreditreport.com especially when they do n't make it very clear that getting the credit score is also signing you up for their service. To then refuse to refund money for the service when it was never used after getting the score is again invalid. They are clearing trying to scam people by automatically signing them up the service and then stealing their money by refusing to give them a refund once they realize they were signed up. I plan to dispute this with the credit card they charged, but I have a feeling the credit company will side with them and they are probably in on the scam. I ca n't refuse to pay the credit card company for the charge if they side with experian or I will ruin my credit.
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I have been dispute the negative accounts on my report over the past year with the credit bureaus. The information is continuously coming back as verified. I have asked about their verification or investigation process as well as proof of verification and yet I have n't received any information regarding this.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (LA)

have had items deleted from my report only to have them reappear by the companies reselling my information to another collection company this has gravely affected my abilities to obtain new credit and is also seen as identity theft as the companies are sharing personal information by means of selling it request and demand for any negative items reporting to immediately be deleted including credit inquiries on all XXXX major reporting companies
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. 

Thereafter they assigned the debt to CALIFORNIA XXXX XXXX for collection and they have listed the debt on my EQUIFAX report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (CA)

In XXXX XXXX, my house was broken into ( in XXXX, CA ), personal information stolen, and my vehicle stolen and totaled. I placed a fraud alert at that time. I had a couple of failed attempts at opening accounts by someone, but nothing further occurred. On XXXX/XXXX/XXXX, I placed another fraud alert because someone tried to open XXXX accounts in my name. I received an email yesterday ( XXXX/XXXX/XXXX ) stating that a new credit card account had been opened with XXXX XXXX XXXX and a new card was being mailed out to an address in XXXX, CA ( an address that has never been mine ). I do n't understand how a new account could be opened when I already have a fraud alert. I tried to file a new credit alert but Equifax and the FTC website both said that I already had fraud alerts in progress and could not file a new one. I was also unable to update the current alerts with updated information because the website is not functional or user friendly. I have already filed a police report for this incident. I also have police reports for the past incidents. I am not sure what to do.
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Klarna AB (VA)

I originally visited the XXXX XXXX website to purchase plane tickets via XXXX XXXX. We paid for this purchase using your platform, Klarna. Unfortunately, my XXXX passed away suddenly, so we had to cancel our travel plan to start the process of planning for a funeral. I sent an email request to XXXX XXXX on XX/XX/2022, to cancel and refund. We were advised by XXXX XXXX that we could use the airline credit at a future time to book other tickets. We contacted XXXX XXXX to utilize the credit and were advised we can not use it, as XXXX XXXX purchased the ticket utilizing foreign currency ( not USD ) and the representative advised XXXX XXXX never submitted the Cancellation Request before the flight, so I could not use the credit as it was voided. 

XXXX XXXX advised since XXXX XXXX did not cancel my flight and did not pay in USD, I could not and would not have been able to use the credit in the future. I have sent multiple emails to XXXX XXXX with no response. I have been emailing for 2 months. I tried calling their customer service number XXXX directly but their automated message says " our phone lines are closed '' and hangs up. 

I opened several disputes with Klarna who refused to have XXXX XXXX reimburse me, and kept asking me to reach out, stating " they responded to them quickly ''. Of course they responded to you quickly, you're their XXXX party vendor. I have made several attempts over the months to get refunded. XXXX XXXX has refused to respond to any of my emails, their phone lines do not work, Klarna is refusing to reimburse me. I have sent Klarna emails from Department of Transportation, confirmation email from XXXX XXXX stating XXXX XXXX did not follow protocol so there's no flight to be used for a future flight, my cancellation email conversation with Klarna ( the only time they every responded - once I told them I couldn't use the flight credit like they said I could, radio silence ). It has been 7 months, no flight has ever been taken - AA said I have no flight credit ( still ), Klarna is refusing to make XXXX XXXX reimburse me ( even after all the evidence I have provided ), and I found account today XXXX things ; ( XXXX ) they attempted to debit my bank account twice while my account as in the dispute status ( even though I was told by their agent that payments were paused ), which caused XXXX overdraft fees ( XXXX ) they also illegally sent my account to collections while it was in the dispute review process, without prior notice. 

I am filing a complaint with XXXX, CFPB and my local state authorities.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have a credit account, XXXX XXXX XXXX, that is more that 7 years old that is staying on my credit report. It contains negative information. It has a past due amount. 
I want the credit account deleted. Requested by the credit reporting company, Equafax, and XXXX XXXX. They will not delete it.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

The purpose of this complaint is that Experian has disregarded my request in providing me with appropriate documents showing validation on the disputed accounts. I do not recall having a contractual agreement with the disputed accounts. Since validation can not be made under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- the agency is required to " ... promptly delete all information which can not be verified. '' Thank you very much for your help regarding this problem.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Someone in the State of Utah has obtained my personal information. They were even working with my social security number. There were numerous collection accounts showing on my credit report. I have been successful in removing several but not all. These accounts are not mine and I do n't understand why the credit bureau is refusing to remove them. Please advise as to how i can have these removed as they are seriously affecting my life. Im trying to move into a home and this is causing a huge problem. I could potentially be homeless with my XXXX children. 
thank you!
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

I recently initiated a dispute with Equifax, at this time I have not received a final response. XXXX aka XXXX has placed a collection on my account with all 3 of the credit bureaus for an account that was paid in full in XXXX. The original account was with XXXX, and I paid XXXX the balance of {$100.00} in XXXX XXXX must have purchased the collection after I had paid it off. This collection has not been on my credit report. I have a report from XX/XX/XXXX and XX/XX/XXXX, and this account from XXXX, is not on these reports. I also have had service with XX/XX/XXXX since XXXX, under the same social security number. If I had an open collection, XXXX would have denied me service. This account was paid in full in XXXX. I believe that XXXX has performed an inquiry on my credit report, and sees that I am shopping for mortgages. I believe that this account has been posted as an attempt by them to make money on an account that has been paid for years.
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OR)

There was a Federal Tax Lien that was removed in XX/XX/XXXX. XXXX made the correction, as well as XXXX. But Equifax never made the correction. In fact, they got the information from XXXX. I called the IRS and they told me that there is not a Federal Tax Lien! 
Here is the info : Federal Lien Released by Internal Revenue Service ( IRS ) Case Number : XXXX, XXXX Circuit Court Issue Date XX/XX/XXXX Amount : {$3500.00} Release of Lien Date : XX/XX/XXXX XXXX and Equifax are reporting that I have a Federal Tax Lien, but there is no lien! 
The IRS Lien department phone number is XXXX to verify any liens with the IRS.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2015-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and someone stole my personal information and identity to open up unauthorized and fraudulent accounts in my name. The following accounts listed on my Equifax credit report do not belong to me : XXXX XXXX XXXX XXXX XXXX. # : XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX