davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I have been cleaning on my credit for over XXXX years. I have made all payments like clockwork to repair my credit after our crops failed and lost our company. I found a few errors on my report such as a noticeable XXXX XXXX XXXX stating that I opened and account in 2012. I did not. But, Equifax claims that it investigated. Funny how they ruled for the collection people in every case. Please help
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NC)

Most recently I have been disputing these accounts with Equifax around XX/XX/XXXX early XX/XX/XXXX. Verification of debt was requested via letter and sent certified on XX/XX/XXXX and received by all Equifax on XX/XX/XXXX. Equifax has failed to provide sufficient information used to verify debt but has responded that it has been verified or updated. 

Please see list of accounts below. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ;
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CO)

Today XXXX I received a letter from Equifax stating that their investigation into My request per section 609 of the FCRA for a listing on my credit report being reported by XXXX be verified by providing me proper documentation has been once again ignored. Equifax sent me a letter stating that Additional Information has been provided from the original source regarding this item. What additional information. All equifax does, as well as the other credit bureaus is tell me to contact the original source. This is not my responsibility. I am not the one reporting the information against me. Section 609 says that if the credit bureau is going to report information against me they must provide proper documentation showing that what they are reporting is accurate, complete and verifiable. They refuse to do so. How do I know what they are reporting meets all 3 standards if they refuse to send me what they have on file. Simply sending me a letter stating that they have received additional information does not provide me the consumer with a proper explanation. They feel that they can report this against me but refuse to provide proper documentation stating why they can report this. When I call them they say they are simply reporting the information as it is provided to them. What is being provided to them and how is it being provided. They are breaking the law by not providing me the original source document that they are suppose to house internally to show that they have the right to report this information. I have requested from XXXX the original contract for this debt showing my name and signature on it and they are either stalling in sending it to me or they are refusing because they know it is a bogus debt. So if they can not or are unwilling to send this to me how can Equifax say they have received additional information. This is a blatant lie and a fraudulent attempt to harm me financially. I am requesting that equifax either send me the original contract that they have on file or if they do not have anything on file other than the original sources word that this item be removed from my credit report and never be reported again.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (GA)

I tried to order my XXXX credit reports through XXXX on XXXX XXXX, XXXX. I was able to get my XXXX report right away. I could not get my Equifax report because I may have answered a loan/credit card question wrong that had occurred in XXXX ; this cut me off from getting both my Equifax and XXXX reports. 
That evening I called XXXX to see if I could get my reports through their automated system. The system said that my order was complete for my XXXX free credit reports and that it may take up to 2-3 weeks to receive. 
In the middle of the third week I tried to call them to see what the delay was and to see if they were EVEN on the way. I 've been over their site, over the XXXX credit reporting agencies and there is no way to talk to someone about this without sending something in the mail to them and waiting even longer for communication. 
I finally talked to someone here at the CFPB to see if she could find any contact info so that I could talk to a live human. The only thing she finally found after 10-15 minutes was a number for Equifax. I finally talked to a human and she would not allow me to get my reports and told me to write a letter ; what good is that going to do when I have tried on-line and by phone. 
Here it is now, 4 weeks since ordering my reports by phone and they are still not here and there is no human for me to discuss this with. I even tried an old phone book of mine that had the XXXX credit reporting agency 's numbers. Equifax rang and then went dead and XXXX number tells you to go online ; still ... .no human contact to solve this matter. 
I have a letter of Full Faith and Credit from the Secretary of State- XXXX XXXX , but ca n't even get my own credit report!
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Where do I start? Equifax has destroyed my credit file. I received an updated report and I am furious. They removed several student loan accounts that are in good standing, then they reinserted deleted collection accounts without giving me 5 day notice required by federal FCRA laws, and added personal information to my account that is not mine. They have broken and violated several of my consumer rights and federal laws that protect those rights. They have purposely damaged my credit reputation with potential creditors and lenders. What they have done is illegal. I AM NOT ASKING BUT DEMANDING that they fix my credit file. I am so livid right now, I am ready to sue them for defamation, violation of my consumer rights and undue stress with dealing with their incompetency. I have contacted my consumer rights attorney. Did Equifax not learn from the 18.5 million settlement they had to payout because of their incompetency to insure that a consumer 's credit file is reporting accurately and complete or the joint 45million dollar settle they had part in paying out for negligent noncompliance with FCRA laws? Do I have to sue for punitive damages for them to get their act together? At some point this becomes ridiculous and unnecessary for me to keep going through this XXXX with them. They refused to respond to my other complaints and now I am demanding that they respond and do so appropriately. I am tired of playing nice with Equifax while they destroy my name and credit file. It has to stop and it stops today.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I have been fighting with Equifax for 2 years to remove this unverified debt from my credit profile. XXXX, XXXX XXXX have also asked Equifax to stop reporting this false information and they have failed to do so. I '' m looking to have this removed asap
Consumer complaint received 2015-06-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

My mortgage company foreclosed on my home after Ifiled complaint by way of case # XXXX. After I filed acomplaint in XXXX, 2015, I still did not receive anycommunication from Nationstar Mortgage and theyforeclosed on my home without giving proper notice.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

I receive this results from Equifax Today saying for me to contact XXXX, XXXX XXXX bank, XXXX bank. I would Like to stress to EQUIFAX THAT I 'm asking them for that Info per the FCRA THEY reporting agencies SHOULD HAVE THIS INFOMATION ON FILE WHEN THE CONSUMER ASK FOR IT I HAVE THE RIGHT TO ASK THEM TO PRESENT WHAT I 'M ASKING FOR AND THATS WHAT I 'm doing and that 's what I want because I will file law suit as of Noon on XXXX/XXXX/16 in which Equifax should have that noticed in there hand as we speak DO YOU UNDERSTAND ME CFPD THIS IS YOUR LAW AND I THINK YOU SHOULD FOR SURE SEND EQUIFAX A COPY OF THE XXXX XXXX XXXX SECTION OF THE LAW JUST IN CASE THEY DO NOT KNOW THE LAW I ALSO ATTACH ANOTHER COPY OF PORTION OF THE XXXX FCRA PLEASE READ IN EQUIFAX IF YOU DO N'T UNDERSTAND IT YOU BETTER ASK SOMEONE!
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MI)

I have been working diligently to repair my own credit. My credit score was XXXX two weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. XXXX XXXX stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I 've mailed a certified letter to Equifax on XXXX XXXX, XXXX and XXXX. XXXX, XXXX regarding incorrect reporting of my XXXX XXXX XXXX student loans. Despite XXXX written requests, including original documentation from XXXX XXXX to support my dispute that XXXX XXXX has changed their name to XXXX and the XXXX delinquent accounts on my Equifax report should be reporting CURRENT they still remain on my credit in violation of Federal Law. XXXX XXXX changed their name to XXXX on XXXX XXXX, XXXX and all my loans through XXXX XXXX and XXXX were never reported past due or late in XXXX or XXXX XXXX or XXXX XXXX. Please see attached documentation from XXXX.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that they are currently listing the account as 120+ past due when that is not true. The accounts have been closed for years so how can it be currently past due if they were transferred/sold years ago?. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MO)

I have been disputing XXXX separate accounts with Equifax for more than 4 months. I have provided Equifax information from the original creditors validating my dispute and showing the accounts should be deleted and are being reported incorrectly. XXXX continues to claim they validate the accounts as being reported correctly. I even took XXXX XXXX to court in XXXX XXXX Missouri on XXXX XXXX, XXXX thinking that it was XXXX XXXX that was mistakenly reporting XXXX of the accounts but learned that Equifax is the only bureau that reports an open XXXX XXXX collection account. None of the other credit bureaus report a XXXX XXXX account at all. XXXX XXXX even sent me a certified letter from their legal department stating that I must quit contacting them to dispute the account because they have provided the credit bureaus with all information needed for the account to be removed and that I should direct all future disputes with the credit bureau reporting the account. I have provided the letter to Equifax and they claim to have investigated the account and determined that the account will remain on my record for 7 years even though it is not my account. 

The other account is a paid insurance settlement account that was paid in full XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX but later changed to XXXX XXXX XXXX. I spoke to the people at XXXX who provided me with a paid in full letter and said they would notify the bureaus that the account would be removed. Equifax has claimed multiple times to have verified this account as an open collection with a {$34000.00} balance and will remain on record until XXXX XXXX. I have disputed this account more than a dozen times. XXXX says that the dates and balance information must have been mixed up during the new ownership/name change. Again, Equifax is the only credit bureau reporting either of these XXXX accounts. XXXX, XXXX, and XXXX do not report a XXXX XXXX or XXXX XXXX XXXX XXXX account on my credit reports.
Consumer complaint received 2017-03-15
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

I am not sure if this was obtained in store or online or of the amount at this time. I am continuing to receive harassing emails stating they are filing a arrest warrant and threats of being referred to an attorney. I have responded and noted that a complaint was being filed and not to contact me any further. 

Email address : XXXX Company : XXXX XXXX, XXXX, WY XXXX
Consumer complaint received 2016-10-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NC)

I am a XXXX. I submitted a loan modification package to a lender on XXXX XXXX, 2016. The file is in the bankruptcy department. I had an attorney to write a letter authorizing the lender to be able to speak to the debtor and myself in order to assist with the application. The lender rejected the first letter that was sent XXXX/XXXX/16 stating that the attorney wrote Ladies and Gentlemen instead of " Dear Lender '' and they had to specifically say " I give " Lender '' permission to speak to the debtor. I followed up today and now they are saying it is being rejected because the attorney put they could speak directly to debtor or my company. They want the attorney to write another letter stating it is ok to speak directly to the debtor and not include my company. And in order for them to speak to me I have to send in a TPA from the debtor with their signature. I faxed over 2 different TPA 's originally when the first package was faxed over.
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MT)

I was attempting to set up an online account so that I could make an extra payment before the end of the billing cycle and was prevented from doing so because of a security word. I called and Citi kept attempting to ask about the same security word set up decades before. We have had the account since 1985. I have no idea what the security word was, nor should it matter. There are alternate ways of understanding that I am the account owner. So now, I ca n't avoid about {$100.00} in finance charges. Thank you Citi!
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I have been trying to negotiate a Short Sale with Seterus since XXXX 2015 I have filed a complaint before and Seterus responded by stating this property was foreclosed on XXXX XXXX Since than we have been working with Seterus and their attorney firm XXXX XXXX XXXX. 

The sale that occurred on XXXX XXXX, 2015 the lender was the high bidder by default. The clerk of court thus filed its Certificate of Sale. During the statutory ten day period before the finalization of the sale, objection to the sale was filed. Although the court denied the objection, it also withheld the Clerk from finalizing the sale until the lender would consider the short sale offer. All parties were ordered to mediation which occurred on XXXX XXXX, 2015 with the parties including the lender agreeing to reconvene in three weeks after the lender further instructed and authorized the loan servicer and thus its attorney to deal with the short sale submission. XXXX XXXX was assigned to this file. from XXXX XXXX XXXX. She submitted the short sale package to Seterus and we got a decline letter without much reason behind it. When I called Seterus they tell me there are no notes and all they can see is that this property has been foreclosed on. 

Seterus and their attorney is having problems understanding that the property is not yet an REO and is indeed still owned by the borrower. The sale is not confirmed and the title transferred to the lender as the winning bidder until the Certificate of Title is issued by the Clerk. The Court Order forbids that event from occurring until the lender deals with the short sale offer pending. 
I keep emailing XXXX from XXXX XXXX XXXX since after they declined the short sale they told us to resubmit with a higher offer which we did not once again no one is responding and they keep stating it is an REO.
Consumer complaint received 2016-02-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (FL)

Our Landlord, XXXX XXXX, wrote a letter in XXXX 2015 and told me and my fiance that we owed them an amount of money that was incorrect. We had no security deposit. Our lawyer wrote to XXXX XXXX and the person XXXX XXXX, our lawyer spoke to at XXXX XXXX agreed the amount owed was incorrect. She agreed to send another letter with the correct amount owed by us to our lawyer. She never heard from XXXX Properties again, and nor did we. In XX/XX/XXXX we received a letter from a collections agency. We did not immediately respond to the collections agency because we had already had a run around with the landlord. My fiance did tell the collections agency that we were represented by an attorney. The collections agency reported this alleged debt to the credit agencies before we ever were able to agree or disagree about the corrected amount owed with our landlord. Our attorney wrote to both the collections agency and the landlord regarding the laws that they had violated and neither has responded to our attorney at this time.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AZ)

I have a voluntary credit freeze on my account with Equifax. I am attempting to refinance. The online temporary freeze lifting tool will not work and advises me to send a letter with payment. I sent a letter to XXXX at the address as instructed and enclosed payment. Now, 15 days later, the check has not cleared the bank, the freeze is not lifted, there is no telephone or email support available from Equifax and my banker is advising that my rate lock could expire because they are unable to run the XXXX bureau credit merge report on me.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

this is for XXXX XXXX XXXX with XXXX XXXX XXXX from XXXX 2014. this account was charged to XXXX XXXX and should have never been charged to me. it is a closed account, and should not be on my credit report
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (VA)

Citi Bank has determined that my account is over their credit line of {$75000.00} when my total charges are {$59000.00}. I made a payment of {$36000.00} on XXXX nand they put a hold on that payment and treated it as a charge resulting in a {$95000.00} balance. This is wrong. I talked to XXXX people yesterday and am currently on hold now over 15 minutes. I mentioned your agency and that woke them up.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (NY)

My complain is with citi bank, my account went overdraft on XX/XX/2017 for the amount of {$120.00}. XXXX transactions was present that day. XXXX for {$220.00} and the XXXX for {$370.00}. I rush and did a deposit for {$900.00} which bring my account to a positive balance of {$770.00}. ( I have the record ) by XX/XX/2017 my account still with the same balance {$770.00}, no changed on the account, until the next day the XXXX, I checked my account and I was charged for an overdraft fee of {$34.00} and the transaction for {$370.00} check was return on the XXXX. My concern is, if I have sufficient fund to cover my transaction, meaning my deposit was made on the XXXX ( cash deposit ) why my transaction was not cover. I understand they might charged the {$34.00} fee because at the moment when the check went thru it was not enough funds, nevertheless, it was not the case : the fund was more than enough went the check was returned which it was on the XXXX. Please I would like to get attention on this matter is not the first time similar situation like this happen. I also file an internal complain with the company. Reference no. XXXX