davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (FL)

I took out a XXXX XXXX from XXXX which was then bought by Discover. I received a deferment on paying back the loan and the loan capitalized adding {$500.00} to my principal. Discover never adjusted the principal amount when reporting to the credit reporting agency so although I 've paid over {$800.00} in principal its being reported that I 've paid far less which has had a negative impact on my credit score and ability to obtain credit. I attempted to resolve this issue through Discover but they refused to help. Then I attempted to submit a dispute with the credit agencies individually by providing them with a statement of all the payments made to Discover showing the Principal amount is inaccurate. They completed their investigation and refused to correct the error because Discover informed them the principal amount is correct.
Consumer complaint received 2016-12-26
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WLCC (HI)

Lender WLCC XXXX/DBA Arrowhead Advance is charging interest rates in excess of State of Hawaii lending regulations. WLCC XXXX is a company registered in California with XXXX XXXX listed as its CEO/CFO and the sole Director. Additionally WLCC XXXX has a mailing address for payments in Delaware where it is hiring loan processors. Additionally a XXXX search of XXXX XXXX shows his involvement with the XXXX that more then likely gets a tiny portion of the loan with a substantial amount of the loan going to WLCC XXXX. 

WLCC is not a licensed lender in Hawaii. WLCC XXXX is using its relationship with the XXXX XXXX XXXX to avoid state lending laws by taking advantage of the XXXX sovereignty. Considering that WLCC XXXX is a California registered company, and has loan processing and payment operations in Delaware it is not a true XXXX.
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

Equifax is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegmeent was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX Court, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have disputed a account with all XXXX credit bureaus for XXXX XXXX. The first time it was deleted. Then it appeared again under another company. I have been disputing it since and I have requested documentation with my signature to verify the account and to this day I have received nothing but somehow it keeps coming back verified when I dispute it. I would like this item deleted off my credit report.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

Fraudulent inquires have posted to my credit file I did n't NOT Authorized I should have police reports on file with company as I 'm an victim of ID Theft this is FRAUD and I 'm demanding these Inquires be removed ASAP!
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

I recently did a chapter XXXX and the other credit company XXXX my information that was filed but Equifax removed some then put backon there saying that filed it as being placed under my chapter XXXX come to find outshe did it a Satisfied Judgement not she said after 90 days no changed in my sscore hopefully it will. Then told me I had to join Equifax to get the realscore not a third party. Never Heard such mess. Hopefully they will fix becausemy discharge is up but still have thing that was disputed open?
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

equifax mixed up me up my name /they send me a credit report with wrong name also they put my bro bill that was in collection on my credit report from XXXX, these are not my account. we are not the same people. i believe i was skip trace thur XXXX and made responsible because equifax change my address to XXXX.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WV)

Equifax , XXXX & XXXX are showing a public record ( legal item ) of {$5100.00} as of XX/XX/2016. That record has been dismissed via the XXXX County Court Reference Number XXXX. Needs to be removed from all XXXX credit reporting agencies immediately, this has been dismissed by the magistrate.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

To Whom it May Concern XX/XX/XXXXEquifax, XXXX. XXXX XXXX, XXXX, Georgia XXXX am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : Name issue : XXXX XXXX ; XXXX XXXX XXXX THOSE NAME WAS NEVER MY NAME OR ANY FORMER NAME My correct name is XXXX XXXX DOB XX/XX/XXXX SS NUMBER XXXX
Consumer complaint received 2019-02-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (CA)

I applied for student loan consolidation through a new provider. The new provider paid all of my previous student loan debts. After the new provider paid Nelnet, Nelnet then added another XXXX dollars to my account ( to which they are also applying interest. ) I called three times asking for an explanation and was given three different answers. ( I always owed this money but it was never reflected on my account, This XXXX dollars was forgotten and never added to my account, if I had done my own calculations for my pay schedule I would have seen that I always owed this much. ) Each time I asked for a detailed account of why I owed this money. It was not provided after the first call, the second call but then after the third call, a pay history was sent explaining why I owed them money. They are now claiming i owe them XXXX and that I should be paying them every XXXX dollars every month - strange payment terms I never agreed to. I would also like to add on, their student loan forgiveness program is fraudulent in nature period as clearly they never had any intention of forgiving any loans.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

Equifax sends emails that " disputes are ready to view '' and when logging into their website to access using given dispute #, nothing shows. It has been this way for awhile. 

Secondly, a dispute on a judgment that was wrongly placed on me, and a violation of the XXXX XXXX, which was deleted after investigation by both XXXX and XXXX, was NOT removed by Equifax, and no evidence of the validity of judgment was provided. I am uncertain if they ACTUALLY fulfilled the investigation process with integrity.
Consumer complaint received 2017-01-24
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 have fraudulent and unauthorized credit inquiries and a account that do n't belong to me. I sent Equifax a copy of a police report from XXXX XXXX Police Department in reference to the unauthorized and fraudulent credit inquiries and account. The police report case number is : XXXX. The following credit inquiries and account are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX credit card account
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX I lost my job and my wife left me, so I was unable to make all my payments on $ XXXX/week unemployment. XXXX XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX, refused to accept a short-sale even though I had XXXX offers on my home at the appraised value. XXXX repeatedly and in my opinion intentionally delayed accepting a short-sale until the foreclosure sale date was too close to reverse. ( it was a mess and extremely painful and XXXX ) XXXX also had someone in the wings from Texas ready to purchase it at the foreclosure sale. The whole thing felt underhanded and fraudulent and I 've been the one penalized for the past five years. The house was foreclosed XXXX/XXXX/XXXX. XXXX XXXX continues to report the loan as open on XXXX and Equifax. I have contacted them multiple times in writing to report the account closed. It is STILL reporting as OPEN today when I pulled my credit report on XXXX/XXXX/XXXX. I was denied credit MULTIPLE times over the last several years due too much OPEN debt. I still can not qualify for a car loan or home mortgage. 
XXXX XXXX XXXX XXXX Bank have also reported XXXX loan as XXXX different accounts to the credit agencies. This has also happened to me by XXXX XXXX credit card. Attached are supporting documents and previous letters sent to XXXX Bank.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I disputes liens on the Credit report from Equifax. My dispute was valid as said by Equifax. When I received my dispute listing that my leins should show released I pulled another Equifax credit report and the status of the liens had not changed. I called the customer service line ( in XXXX ) and they said they could n't understand why but could n't help me the supervisors name was XXXX ID XXXX.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XXXX/XXXX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our XXXX score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.Thanks in advance
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have a tax lien on my Equifax credit report that is being reported incorrectly. Despite several letters to Equifax and today, a phone call to them, they continue to state that the information is being reported correctly and they have validated this with the Internal Revenue Service. I have done a lot of research and know that the the credit bureaus must comply with the Fair Credit Reporting Act as follows : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. " Since I know from the IRS ' website that they do not validate information with credit bureaus, I do not understand how Equifax can repeatedly tell me that the information is validated. It seems to me that they must prove that they are reporting correctly or delete the tx lien. FYI : Both XXXX and XXXX have deleted the tax lien due to the following '' We are unable to validate that the information on your credit report is correct and have removed the tax lien ''. 
It is really disturbing that credit bureaus seems to be able to do whatever they want as in my phone call to them today where I spoke to XXXX different representatives from Equifax. The first person stated when I asked if she was aware that they have to operate as set forth by the Fair Credit Reporting Act : " XXXX has our own rules for operating and we do not follow that act '', and then when I spoke to a person in their Executive Consumer Service Department she plainly stated several times that the accurateness of the tax lien was validated both in XX/XX/XXXX and XX/XX/XXXX when I sent them letters. When I asked how she backtracked and said she did not mean validates ... ... they just looked at the original document from 2009 and what 's on our credit report appears to be correct.
Consumer complaint received 2015-08-11
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Renton Collections Inc. (WA)

RCI agency address XXXX XXXX XXXX XXXX, WA XXXX phone XXXX XXXX XXXX XXXX. I had a bill in collection from emergency room. I got a call from collection agency, I called them back right away and I was surprise I have medical bill at collection, it was some mistake in emergency room they did not charge my insurance or did not claim all tree bills to my insurence company. And I try to talk to people from agency and explain the situation that I already payed one medical bill and I need a time to call to emergency and my insurance company to found out what bill is it? And why my insurance did cover it. They were extremely rude, they raise voice on me, they interrupted me and told me all the time that it is my fault i did not pay my bill on time XXXX but I paid bill which i got from mail ). When I asked the name of the lady who talked to me on the phone she said her name very quickly and when I asked to spell for me she said that spelling the same as a pronunciation. She did not give her name. I asked to transfer me to she supervisor, she put on me on hold for 10 minutes and i never got the supervisor. I called back immediately and asked lady from front deck transfer me directly to supervisor, and finally when i riche the supervisor she was again the rudest person she also raised her voice. I asked her name she spell for me like XXXX and I asked she last name or number how I can identify her when I will talk to the owner of the company. The supervisor starts yell at me and hang up on me. I called again because I need to pay bill and I finally paid, but people who work at this agency totally unprofessional, rude and they will be the same way because they know I 'm customer can not do anything. Im asking you help please, check please review online how many people in the same situation like me. XXXX it was my first bill in collection, I never had even late payments ). They was treating me like some sort of criminal
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CT)

here is a XXXX account that is showing on my credit along with he address of XXXX, ct XXXX, As well as a XXXX bill with a balance of {$800.00} thats reporting late that are not all mine. This item has been disputed with EQUIFAX several times. asking for proof into this matter and this account being mine. Also for the account to be deleted and they refuse to delete as well as provide any proof on these accounts that they are reporting on my credit. these accounts are damaging my credit & I 'm currently wanting to purchase a home.
Consumer complaint received 2016-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lou Spivack, P.C. (CA)

This situation initially started when the XXXX XXXX insurance company notified me of an alleged debt I owed over fours years ago. I was a XXXX patron for over four years off and by some strange coincidence I was not notified of this alleged debt till I changed insurance companies. This institution would have me to believe that I did not inform them of the sale of a vehicle in XXXX, which I did adding up to a cost of {$270.00}, But by there own admission they did not inform me of this ridiculous allegation till XXXX XXXX when I changed insurance companies. This company would hold me to the strictest standards honoring their contracts, but it would seem when it comes to their own conduct they just make the rules as they go along. The reason why I am complaining about the law firm of Lou Spivack, P. C. is they in my estimation they are an enforcement arm for these underhanded tactics. They are both one and the same.
Consumer complaint received 2015-07-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (CA)

I have acquired a cash call loan for {$5000.00} a few years back. I am unable to pay and I am reading that some of their loans may be subject to usury violations. I am looking for input to see if they are a valid lender due to their high interest rates.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Penn Credit Corporation (FL)

Penn Credit Corp is trying to collect a debt from a power company in XXXX on a house i used to own. I did not own the house for the time period this bill is being assessed. I have provided the public record ( recorded deed showing the sale on XX/XX/2016 ) to XX/XX/XXXX and they are refusing to change the report. I have told both XXXX, Penn Credit Corp and XXXX XXXX that i no longer owned the house.
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CASHCALL, INC. (CO)

I am being harassed and threatened by XXXX about some debt owed that I do n't recall. They say I owe Over {$9000.00}. 

They contacted me and surprised me and pushed for me to settle the account. I did not know what to do with being threatened with court and the balance. 

I in duress set up a plan based on the threats. Once I got home I still could not remember aby debt from Cash Call. They said I probably took out a loan for {$2500.00} but I owe over {$9000.00} now. 

I requested some kind of proof to show me what the bill is and they refused. They told me that " they will only send proof to an attorney so I better get an attorney ''. I ca n't afford an attorney for a debt I font even remember or know is mine. I requested proof several times and told them I dispute this debt until proof of the debt is supplied. 

XXXX who is the collector said that I am an irresponsible person and I should be checking my credit once a year. I pulled my credit and could not find this debt. 

They just emailed me that they are sending to the fraud department for investigation. All I asked for is something showing it is my debt. 

I ca n't handle the threats and abuse anymore.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I have filed and submitted necessary documents regarding Identity Theft and sent by way of certified mailings which included a FTC Identity Theft REPORT, a copy of my Identification, Consumer Statement with applicable highlighted items on my copy of credit report and none of the Credit Reporting Burals have made an attempt to preform according to the law and statute which should have a block and removal of all items reported by me that are in a way or another Identity Theft within 4 days upon receipt of the complaint which was done on XX/XX/2023.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I 'm filing a complaint because the credit bureau is documenting that I have had several dismissed bankruptcies. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX Thanks in advance
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

Back on XXXX XXXX I filed a complaint about seeing hard inquires on my credit report after I ordered my credit report. I called and mailed Equifax that those Hard Inquires on my credit report that I had no business with those companies. I requested that they remove them. I have been getting the run around with Equifax. I want all those hard inquires removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX CCB/PPC
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

The husband had a mortgage with Seterus, and was in a trial modification when he passed away. His surviving spouse who is on the deed, but not the note applied for an assumption modification. She has submitted all necessary documents when Seterus advised that she needed Probate documents showing she was the rightful heir and in charge of the estate. There are no assets to the husband 's estate except the home - which the wife already owns. We have tried to advise Seterus of this, but they say they will not move forward with the assumption modification until Probate documents are received. Probate is an expensive process, and completely unnecessary in this instance.