davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Credit Plus Inc (GA)

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. 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. 
I have sent a letter certified mail because I need a prompt response to this issue. 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. 
Thanking you in advance. 
CREDIT PLUS XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies
Consumer complaint received 2017-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (MI)

Credit Penn Corporarion has given me a derogatory XXXX on my XXXX XXXX based on inaccurate information. I do not have an outstanding debt with XXXX ( original account holder ) The account was paid in full and closed. I contacted XXXX AND Credit Penn corporation and I am getting the run around. Meanwhile my score has dropped XXXX points. XXXX XXXX of credit Corp Penn told me he could not take my word or confirmation number I retrieved from XXXX to prove I have no outstanding balances. The confirmation number is : XXXX XXXX has told me to contact the credit bureau, so this is my attempt to clear this matter before Credit Penn Corporstion report again with a derogatory mark.
Consumer complaint received 2017-03-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (CA)

I had a high interest loan with cash call for approx. XXXX which I defaulted on in XXXX. 
Cash call hired a collection company to get their money. the company was ccrs in XX/XX/XXXX. they said they represented cash call and agreed to a settlement of the loan for one lump sum. 
XXXX which I agreed and paid to them. 
they said they would remove all the negative reports to the credit bureaus and report paid in full .which was not done. 
Since that time I have contacted cash call to correct my credit reports and they said they no longer own the loan. 
that another company bought the loan to contact them so they collected the money from me then turned around and sold the loan after the fact. 
and still reporting it as a chargeoff account.
Consumer complaint received 2015-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Penn Credit Corporation (NC)

I was never contacted about this debt even though the original vendor ( XXXX ) and the agent had my telephone information and my email address. The Agent simply " flagged '' my Credit Report adversly impacting my score. The Agent advised that they did not have the responsibility to attempt to contact me and that if I did not pay the bill they would continue to adversely impact me credit score. I advised them that if they had contacted me I would have paid the bill. In fact, I contacted XXXX and paid the bill. 
Without going through proper, professional business practices, this agency is using it 's ability to adversely impact a consumers very important Credit Score to extort payments from customers
Consumer complaint received 2016-10-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (CA)

Penn Credit XXXX XXXX XXXX XXXX, XXXX, XXXX has been calling my house 6-7 time a day, I do n't know why because I do n't pick up. I do not owe any entity any debt other than debts I pay to credit cards monthly. The harassment is on going. Eight years ago I owed a water bill in XXXX which went to collection, that was paid in full years ago. 
please help, XXXX XXXX
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

I moved to XXXX From XXXX in XXXX 2015. 
Since then, XXXX Bank has been my only credit card provider in XXXX. 
I have outstanding XXXX history and I have been building XXXX credit since I moved out here. Equifax is refusing to update my Social Security Identification. 
They are claiming that it is a work only number and thus they will not add it to record. 
This mentality has led to me being rejected for over XXXX credit applications, loss of credit score and loss of time/opportunity to build credit. 
To my knowledge the other big credit bureaus have up to date records of my personal information. I have spent well over 6+ total hours engaging Equifax and doing what they demand to update my information. I have even had my bank get involved and call them, email them, fax them. 

This is complete nonsense and extremely frustrating. I expect my U.S Social ID number to be added to my personal records. This is the only us Social ID number I have and thus it belongs on my records. They have kept it blank even though my bank has instructed and confirmed my status, and other credit bureaus have had no issue making sure my records are up to date. 

Equifax has knowingly and intentionally withheld accurate information from my personal record which has led to several consequences for me. 
-Loss of Credit Score -Several Credit rejection precedence -Loss of rewards opportunities ie. Loyalty savings -Loss of credit building time I have done everything they have asked. I 've verified all my info, emailed faxed, called, involved my bank. They walk me in circles and do not give me answers or help me. They have told me several times they would update my records and then other times told me they will not. I am sick of this. It is my personal information. It is my right to ensure there is no discrepancy that will hurt my ability to build credit. Its hard enough starting from scratch in a new country when I have perfect XXXX credit history being ignored. Without this change it is impossible for me to get additional credit and build the necessary history for a mortgage, credit, scores. 

This MUST be brought to justice and rectified. I have fought too long for such a simple concept. 
I 've confirmed & done everything they have asked. I asked for one thing. They have not done what they told me they would do.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I received a copy of my Equifax report and was informed there was a charge for {$32.00} from XXXX XXXX XXXX from XXXX ; however, no additional information was available. 
I have no idea who or what this charge is for. I have never received a {$32.00} past due medical bill, so I can only conjecture it was a fraudulent charge ( either mixed up with a similar name or incorrectly assigned to me. ) However, I also wanted to make sure that it was not a bill that I had never received and had been sent to collections. IF it were my bill I would be willing to pay the actual amount - but I never had received anything. 
Last week XXXX XXXX XXXX ) I called XXXX to request details- stating I had no idea what this charge was for, and asking for a return phone call, and clarification. 
I have NOT received any response, therefore I can only assume it is a fraudulent charge!
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (LA)

It has been 7 years since I voluntarily requested that that Chapter XXXX be withdrawn. The bankruptcy was dismissed by my request and vacated. I found a way to pay creditors and avoid the need for restructuring. The public record for said action has fallen off of my credit reports for XXXX and XXXX. But Equifax states that their policy is 10 years. Why does Equifax get to be the exception? It seems totally unfair that this one agency is the exception for an action that I voluntarily withdrew and was affirmed vacated by the bankruptcy court over 7 years ago. It seems as though the reporting agencies are never about helping consumers but are in league with lending and business interests to extract as much hard earned money out of them as possible. Disputing with Equifax simply earns you a form letter stating that it is their policy.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I had to close a XXXX XXXX Account as my business required me to have another XXXX XXXX. Once closed, I attempted several times to receive a final bill/payment info from XXXX XXXX. I was unable to do so primarily because it was IMPOSSIBLE to get anyone in customer service on the phone. After approximately 9 attempts I was able to reach someone who INSISTED that a XXXX account under my name and home number ( which had already been ported over to XXXX at this point ) did NOT exist. Keep in mind I have been a XXXX XXXX customer, and a satisfied one for over 20 years, but XXXX was impossible in terms of customer service. I FINALLY did receive correspondence from Fios IN THE FORM of a Collection Letter, from a Collection company called XXXX XXXX with my outstanding amount. I called immediately, explained what had happened and made payment arrangements that day. I also have reached out to XXXX repeatedly AS HAS THE XXXX in NY as XXXX reported this to both Equifax and XXXX and it impacted my credit scores - something I am working aggressively and diligently to rebuild. I have pleaded with them directly and through the XXXX to remove this from my reports, as I do not believe it should be on there. THEY REFUSE to remove it. XXXX shows it on there, as a collection account with a XXXX balance. Equifax shows it as a collection account with {$120.00} still outstanding. I am seeking help from any agency that can help me GET THIS REMOVED from my credit reports. It is unfair that it was reported to begin with. I tried reaching them multiple times as stated, stayed on hold for up to 45 minutes more than once and STILL was never connected to a Customer Service Rep. It was infuriating and then to see it reported was beyond infuriating, again most especially as someone who has been a XXXX XXXX customer for over 20 years. I am hoping you can help me please. I am uploading my letter sent directly to XXXX with the XXXX copied. This is the XXXX contact that refuses to remove this - XXXX XXXX, Executive Relations Sr. Analyst, XXXX Thank you in advance for any help you can lend.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

Failure to report credit experience correctly as per request of the creditor : On XXXX XXXX, XXXX, XXXX XXXX XXXX obtained a loan from the XXXX located at XXXX XXXX, XXXX, XXXX XXXX. I, XXXX XXXX, was included improperly as a co-signer although I had not I agreed as such. 
The XXXX violated several laws and consumer related regulations, such as, to name a few, the Truth in Lending Act, the Fair Credit Reporting and Equal Credit Opportunity Act. For the former the violation consisted of failure to properly notify the " cosigner '' and obtaining a signature using unfair and deceptive practices. 
The aforementioned resulted in litigation. On XXXX XXXX, XXXX, the parties reached a Settlement for all claims and counter claims. See attached XXXX ( Settlement Agreement ). Under the agreement the XXXX agreed to report the original credit as : " Paid as agreed ''. See Article XXXX highlighted in yellow. The XXXX also agreed to remove derogatory information as indicated in XXXX XXXX. 
We have been in contact with the XXXX and they have indicated that they have reported the credit information as established in the agreement. We informed the XXXX that the information in the credit report is the same that was there before the agreement was signed. The XXXX indicated that they made the changes and that the failure to report the changes is the responsibility of the credit bureau. To this effect on XXXX XXXX, XXXX, they provided us with a letter indicating that the credit has been reported to the credit bureau in accordance with Article XXXX and XXXX of the Settlement Agreement. See copy of the letter attached. 
We are hereby requesting that the credit bureau take immediate steps to correct their record and report the credit as Paid as Agreed as indicated in the settlement agreement and remove all derogatory information as indicated in Article XXXX of the attached settlement agreement. 
Your cooperation in resolving this matter expeditiously is appreciated. 
XXXX XXXX
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

There are XXXX XXXX accounts listed on my credit report on which I was an authorized user in the past. I'm no longer an authorized user and I have requested XXXX to remove these accounts from my file since they do not belong to me. They keep reporting the account as Closed/Paid/Zero Balance.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

Doc # XXXX - Equifax told XXXX we were a credit risk which resulted in high risk credit fee. 
Doc # XXXX - this is Credit report from Equifax - nothing indicating high risk. 
Doc # XXXX - Research Request Form to Equifax asking for correction. 
Doc # XXXX - New credit report from Equifax completely different from report of XXXX XXXX. Probably sent to cover up their error in the report to XXXX. No corrections. 
Doc # XXXX - Research request form requesting correction for listing a commercial card that was not ours and an incorrect address. 
Doc # XXXX - Equifax response that did not address either of the two issues in the research request but removed an address which had previously been an address for our association. 
Equifax made a mistake by reporting to XXXX that we were a credit risk ( XXXX confirmed that they had been contacted by Equifax and given this information ). Equifax has tried to confuse the situation rather than correct their error by sending a different credit report ( Document XXXX ). How could this credit report be so different from the first credit report? Equifax continued to try to confuse matters by sending a response ( Document XXXX ) that did not even address the issues raised in the second research request form ( Document XXXX ). 
Again we request that a correct report be sent to XXXX with a copy to us stating they erred in the initial report to XXXX.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC (MD)

I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit profile. These inquiries were done without my knowledge, authorization, consent and or signature.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (KY)

XXXX removed XXXX from my credit report cause I furnished proof, XXXX sent me a letter telling me the stuff I asked for to prove charges they say are mine that this info that is supposedly mine is personal and confidential, If it is referring to me how can that be? I am entitled to be shown proof of these charges. I sent same info to equifax and they finished there investigation within two days, same day I put the info in the mail and have heard nothing, cause evidently they already agreed with XXXX and did n't review my proof. I can mail you the letter I am not good at uploading.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

EQUIFAX is refusing to correct the release date for a state tax lien. I submitted the documents showing the correct release date of XXXX. On the reinvestigation report, EQUIFAX stated that the release date had been updated to XXXX as of today, it is still being reported XXXX which is incorrect. This lien has been paid on XXXX and has met the 7 year Statue of Limitations and should be removed from my credit report.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I contacted Equifax and disputed the above referenced accounts on XXXX/XXXX/16. They were deleted from my file when I obtained a subsequent credit report of XXXX/XXXX/16, on report # XXXX, which i am attaching for your convenience. 

However, then on XXXX/XXXX/16 i noticed they were back on my credit report. I received no notification that they would be reinserted, i received not explanation as to why, i just found the items back on my report. 

The FCRA states under 611 : " Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] '' that I am to be notified of the reinsertion of any deleted accounts within 5 days of the reinsertion. I received no such notice. 

In essence, this is a serious violation of the FCRA. i 'm asking for the help of the CFPB to take action and insist that equifax immediately and permanently delete these accounts from my credit report as is required by law.
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IA)

EQUIFAX IS REPORTING SOCIAL SECURITY NUMBERS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT AND I HAVE SUBMITTED MY SOCIAL SECURITY CARD AND PROOF OF IDENTITY TO THEM SEVERAL TIMES AND THEY STILL HAVE NOT REMOVED THEM FROM MY CREDIT REPORT.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX there XXXX account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts and they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the XXXX Court does not verify any information to the credit bureaus.
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AL)

XXXX XXXX worked with me and updated my file to current status, yet Equifax keeps reporting inaccurately. Every time I file a dispute with Equifax, this company either update as being reported correctly or find other ways to decrease my scores. Other reporting agencies seemingly take the matter serious whenever I file a dispute because they either update or removed. Equifax is currently reporting items that are passed the time frame that items can remain on file. I would like for you to review my entire credit files for accuracy.
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

I contacted Equifax more than once to inform them that XXXX items on my credit report are no longer associated with me and need to be expunged from my credit file. The items are XXXX loans with XXXX XXXX XXXX XXXX. I co-signed the loans with my wife in XX/XX/XXXX. However, in XX/XX/XXXX, the debt was reaffirmed by my wife per XXXX XXXX, which removed me from any connection to this debt, just as the way a refinance works- the new loan terms replace the original loan terms. What happened was that XXXX XXXX hired a collection attorney to issue a confession of judgment and payment stipulation agreement to my wife. This reaffirmed debt has been in effect for more than XXXX years, but XXXX XXXX refuses to report the change to the credit bureaus, and Equifax refuses to conduct a proper investigation beyond verifying that I originally co-signed the loans. Attached is the acknowledged payment stipulation agreement from XXXX 's collection attorney that I provided to Equifax, and to XXXX XXXX and the other credit bureaus, so that they would take action and remove the XXXX loans from my credit file. Also attached is my correspondence to the credit union and the credit bureaus. XXXX is the only party who responded to my dispute by stating that they deleted the XXXX loans from my credit file. Attached is their response to my dispute with the appropriate results. Please investigate this matter of noncompliance on the part of Equifax. I am filing separate complaints for Equifax, XXXX, and XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax shows a Federal lien in the amount of {$1400.00} that has been withdrawn by the XXXX. I have submitted the paperwork from the XXXX showing the withdrawal on XXXX separate occasions. Each time Equifax claims to have verified the lien. This is not possible as I have a copy of the court recording and have verified again with the XXXX that were are absolutely no liens that were not withdrawn.