davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

same as i have been trying to get worked out, ex wife is upset over her having to pay me child support so her way of getting back is using my info to try and ruin my credit. STOP LETTING IT HAPPEN. 


XXXX Account Number XXXX -- -- -reports late thought its been years since this happened XXXX XXXX XXXX XXXX XXXX Account Number XXXX -- -- -- -- -reports late though its been years since this happened XXXX XXXX Account Number XXXX -- -- -- limit is XXXX XXXX XXXX XXXX XXXX Account Number XXXX -- -- reporting lates from years go XXXX XXXX XXXX XXXX Account Number XXXX -- -- reporting lates from years ago XXXX XXXX Account Number XXXX -- -- -- lates from years ago Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown all of the payment statuses on these are PAID IN FULL XXXX Account Number XXXX -- -- -- -- - no balance
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MO)

Several years ago my report had me with a XXXX address. I have never set foot in the state. I sent a dispute. They denied it saying I would have to prove I have never lived there. I could n't think of a way to do that. No when the ask security questions to get my reports or dispute because I do n't know the answers I am shut out of my own reports
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX  - PAY TO DELETE ARRANGMENT - BUREAU WILL NOT REMOVER PER ATTACHED LETTER. LETTER HAS BEEN NOTARIZED FOR COURT PROCEEDINGS. DISPUTE WAS SENT BY CERTIFIED MAIL.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

This is not a Duplicate. 

I have tried to escalate this matter to Experian multiple times without success on XXXX XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XX/XX/XXXX - XXXX Certified mail - XX/XX/XXXX - XXXX have tried bringing this to Experian multiple times notifying them that the Collector agent did not validate this account within the XXXX required by the FDCPA and Experian repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for ExperianXX/XX/XXXX - XXXXXX/XX/XXXX - XXXXXX/XX/XXXX - XXXXThis account showed up on my credit report on XX/XX/XXXX for a balance of {$670.00}. Experian mailed me a few reports which state the repetitive response that Experian verified this account to be a collection from XXXX XXXX XXXX for a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XX/XX/XXXX. How could there be a collection for another rental/leasing and for a different amount while I was living at another location in XXXX XXXX XXXX? I have a copy of my lease which I 'm attaching. Experian allege investigation only verify my name, and information which is already on my credit report provided by the collector. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XX/XX/XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (AL)

A few months ago I had a problem with XXXX XXXX XXXX XXXX reporting me delinquent. As a result my credit score went down. After I went through months and months of disputing XXXX XXXX XXXX XXXX removed the delinquency and the Credit Bureaus never re scored my credit it continue to stay low. Nothing had changed. Later I was hit with a XXXX 90 day by XXXX XXXX XXXX which was not accurate because I had paid insurance on the credit card that would pay for up to XXXX payments a year. XXXX XXXX XXXX severs ties with the insurance company and this year the insurance company makes a payment on my credit card and XXXX XXXX XXXX reports me for a missed payment when there was a payment made. I have reached out to each of the credit bureaus ever try to help rectify this issue.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (KY)

My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to XXXX. Experian to remove, till date nothing has been done. XXXX has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Experian XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
These accounts disputed by the Department of Education, none of these 2016 dates to the right should be existing ( where late payment history shows ), and none of the columns showing pass due should have any number in it as they are NOT in collection and the verbiage should be on the credit line as in collection because it is not, such as column XXXX acct # XXXX. ) This is inaccurate. I am requesting that these accounts be corrected. 
Also account # XXXX ( XXXX ) has been satisfied entirely and account # XXXX ( XXXX ) has been satisfied. I respectfully request that these are also corrected. 
Enclosed are copies of XXXX XXXX repayment for the accounts listed in your bureau supporting my position. Please reinvestigate these matters and correct the disputed items as soon as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Experian credit keeps reporting 30 days late on key bank account, is not 30 days late the years XXXX, XXXX XXXX never 30 days late, they are falsely reporting late I have sent them banks payment history shows never 30 days late Some months late BUT NOT 30 days late See attached XXXX history under the " Days '' column Never 30 days late See attached XXXX & Experian XXXX late months they are different Experian shows all months late in XXXX, and XXXX shows 3 months late they are both wrong, never 30 days late 30 days late means after 30 days late you report not before.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

Experian and XXXX have apparently been running a scam for more than a year to purposely make it difficult and add costs to obtain our annual credit reports via " XXXX ''. XXXX fills in our private information including social security number and then XXXX is asked to select among which XXXX one wants out of Experian, XXXX or all XXXX. Once selection ( s ) are mad and private information is submitted Experian and XXXX come back with notices about not being able to provide our credit reports via the Internet or that there is a condition preventing delivery over Internet. Then they provide instructions to physically mail one 's very sensitive and private information at our expense to their mailing addresses and hope that we our credit reports in the mail which is a popular method for thieves to obtain information for identity theft AND an exceedingly less secure method than an encrypted communication session directly to our computing devices. This has happened before on other attempts and I believe that this a purposeful act on the part of these credit collecting and reporting companies to discourage transparency of what they do, to interfere with the rights of American consumers, and to force us to pay for our credit reports which should be free not just annually due to the grave impact errors on credit reports on American 's lives. There are no valid technical or monetary excuses as to why these XXXX monopolistic companies can get away with this scam and the XXXX government needs to penalize them heavily for doing this to American consumers and taxpayers on an ongoing basis and make our credit reports fully available again on XXXX '' immediately.
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DE)

My credit report shows payments were missed for over 90 days when this loan was paid off months before that. I have disputed this and nothing has been done thru equifax. On the other hand XXXX has fixed my situation. How is it possible to show a credit of over XXXX with one company but then show XXXX with the other. Not sure what else to do!
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WA)

The Auto purchased XXXX XXXX XXXX is re- listed as closed derogatory .A payment was late as I was in hospital several days having my baby ( Born : XXXX XXXX XXXX This company refused payment XXXX times after the event and closed the account on XXXX XXXX XXXX .Last listed payment was XXXX XXXX .I was informed the car would be impounded and I was not allowed to pay for it, I was however allowed time to go purchase another car prior to impound -which I did-and which I still use today .The impounded car with a total of XXXX paid and XXXX in new snow tires- I was told had been auctioned for an unknown amount.The original loan amount was XXXX with payments at XXXX XXXX monthly-I am then told I owe XXXX on a car I do not have and was not allowed to pay for when I did have it.Now ,XXXX years latter this has been taken off my credit and then put back on as of XXXX XXXX the 6 year RCW XXXX .How can this be listed twice restarting the impact to my credit score?
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

The servicing company for my mortgage has added to the principal balance due. As of this date, the balance should be {$300000.00}. Seterus is adding " fees '' to the principal balance without my knowledge and without providing me any means of challenging this. Seterus is indicating to me that my outstanding balance is {$300000.00}, a difference of about {$1300.00}. It may seem like a small amount. I have been paying, approximately, {$1700.00} a month, every month since XXXX, 2006, on an original principal amount of {$300000.00}. ( That 's {$180000.00} paid on an original {$300000.00} loan. )
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX XXXX, a charge for {$430.00} appeared on my checking account from XXXX. I contacted Citibank that day to initiate fraud charges. As of XXXX XXXX, XXXX, Citibank has not resolved this issue. I have made XXXX separate phone calls to them, and faxed them twice. ( Although I first lodged the complaint XXXX/XXXX/XXXX, I was not told to fax a written statement until XXXX/XXXX/XXXX. ) Citibank representatives constantly reference their attempts to call me, though my phone shows no missed calls, and no messages were ever left.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with Equifax and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status codes.
Consumer complaint received 2015-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

I have sent Documentation that this is NOT mine. 
They replied twice that they have verified that it is mine. 
I have a letter from the collection agency ( that I sent to Equifax ) that states the docket is NOT mine and Equifax still says it is. 
What can I do?? 
XXXX XXXX XXXX XXXX XXXX XXXXSC, XXXXAll other agency 's have removed it all ready.
Consumer complaint received 2017-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

On XX/XX/2016 I sent Equifax a notarized letter that there were inquiries on my account that I did not verify and did not recognize. I gave them a list of companies that I never asked to verify my credit. I requested that they verify the accounts and send me verifiable proof with my signature. They replied that the inquiries were verified but did not provide me with a verifiable signature from me authorizing the companies to check my credit.
Consumer complaint received 2016-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX ran a credit check without my permission. I noticed this on my credit report so I disputed it and they claim it was accurate or " factual '' I had contacted XXXX XXXX XXXX last year when I noticed this on my report and they claimed that they never had an account or anything set up using my social security number or name. I did a search online and it seems like this is a fairly common practice with XXXX XXXX XXXX when individuals turn XXXX or so.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (ID)

My mortgage rate was variable and went up. I sent my original payment off before I received the new mortgage amount. As soon as I received the new mortgage payment I called Seturus and paid the difference. Seturus had applied the amount to other fees because they considered it a partial payment. By the time they moved the funds back to payment, they were reporting a 30 day late. However the funds were sent to them way before. I called and disputed the 30 day late and Seturus verified is was incorrect and I should not have a 30 day late, but they are still reporting it wrong. I disputed the 30 day late with the credit companiesXXXX, and XXXX Seterus verified them as correct to the credit agencies. 

This is costing me hundreds every month, because I am trying to refinance and I am being told that my loan is being denied because of the late being reported.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IN)

I had a chapter XXXX bankruptcy that was DISCHARGED case # XXXX this was discharged by the United States Bankruptcy Court on XXXX XXXX, 2015 but a few months passed and Equifax was reporting my bankruptcy as dismissed that is incorrect that is negative information it should have said DISCHARGED so i disputed the information. They failed to correctly report my bankruptcy after XXXX investigations i even sent them by fax my discharge letter which when i call Equifax they say they can see it on there computer? So after the 3rd attempt to change the verbiage from dismissed to discharged they totally REMOVED my bankruptcy from my credit file. Now all my accounts that were paid in full by my chapter XXXX discharge are reporting as late or charged off and it has seriously dropped my score.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

Our loan officer notified us there are XXXX accounts of which we have no knowledge. XXXX account was shown on XXXX XXXX and we are disputing it. The XXXX account is on Equifax and we are unable to access it electronically. Requesting the report via mail and then disputing it, again by mail, seems to be an unneccessary delay. Since our loan officer was able to see information electronically, is there a way to allow us to see the report electronically? Thank you.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WI)

I married my wife and took all the proper documents down to XXXX agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

disputed several accounts in XXXX with Equifax and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX- Account # XXXX XXXX- Account # XXXX XXXX XXXX Bank- Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (UT)

I contacted all XXXX credit bureaus, by way of certified mail on XXXX/XXXX/16, asking them to remove public information which IS NOT reported directly to them, but that they are receiving through a third party. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again, state or federal recorders do not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Equifax has found information on previously stated Tax Lien 's through third party research. 

I 've asked that they please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. 

XXXX was the only bureau to delete the information. Equifax and XXXX sent letters in return, but failed to provide the information I requested. 

I am requesting help on this, as this reporting is hurting my financial ability to borrow/puchase, and my good standing with institutions.