davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

The account with  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX  account #  XXXX  was  discharged  with my ch  XXXX  bankruptcy. I have forward all the information to Equifax 4 times and still they are saying through the investigation the account is being reported correctly. The account is showing as an open delinquent collection on my credit report. I have spoke with a representative on the phone and she to said the account is being reported correctly and she advised me to fax in my bankruptcy information. I did as she advised on to get the information back saying the account is being reported correctly. I need to know my next steps to get this account removed from my credit.
Consumer complaint received 2017-04-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (PA)

My  Citibank Loan, w hich was opened in  XXXX  for my college term of  XXXX , was never once paid ( not  one  penny ) so I technically 'defaulted ' on this loan in  XXXX . While I know that this is n't a great thing to do, my financial health right out of college was not great. Forward to  XXXX   XXXX  of  XXXX  and this loan magically appears on my credit report. The " Date Account Opened '' is correctly listed as  XXXX   XXXX , but the " Date Account Closed '' is listed as  XXXX   XXXX ,  XXXX  - 3 years after I defaulted on this loan. This coupled with the fact that it just recently appeared on my credit report makes it seem like a recent debt that I have defaulted on, which is NOT CORRECT as this was defaulted on 4 years ago at this point.     Also, listed in the details on my credit report is a note saying that " payment is deferred until  XXXX  ''. I have NO IDEA where this date came from because, like I have already stated, this loan was defaulted on in  XXXX . I have not had any contact with deb t collectors about  this loan, so I am not sure what person magically picked that date out of the air for my loan to go into repayment 5 years after I was supposed to start paying it. I would love to see this fake agreement in writing or some explanation!     I am guessing that this is an attempt f or Citi to f orce me into repaying them by " re-aging '' this debt, but I ca n't be sure. In any case, this old defaulted loan ( again, defaulted in  XXXX , never paid them  one single  penny ) is appearing on my report as only being closed a few months ago, which is NOT TRUE.
Consumer complaint received 2017-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WA)

Loan in good standing, paid off two months ago, then transferred to new servicer ( from XXXX to American Education Services ). On XX/XX/2017 I had {$19.00} taken out of my checking account without my consent to cover a supposed {$0.00} remaining balance ( even though the loan was paid off, and shows on my credit reports as paid off/closed ), but that {$19.00} would be returned to me within 30 days. Today, only three days later, another {$19.00} has been taken from my account without my consent ( or even providing the new servicer with my account information ) for my PAID-OFF LOAN, and their site has very little usable information. This ca n't be legal. I ca n't afford to keep having random payments I did n't agree to taken out of my checking, again, for a loan paid in full months ago. Are there damages I can collect for this?
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

I recently reached out to Experian about unauthorized inquiries I found on my report. The agent I spoke to told me to file a police report for fraud. I went to the police department here in XXXX. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Experian yet again and was told to file a complaint here. 
This is the list of inquiries that Experian refuses to remove that I did n't authorize. 
XXXX Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.
Consumer complaint received 2017-04-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (VA)

received letter dated XX/XX/XXXX from ERC stating that I owed a debt to XXXX, acct # XXXX in the amount of {$430.00}, reference # XXXX. I have never held an account with XXXX and do not owe them any money. This is a fraudulent attempt to collect money from me.
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

Just recently my loans were put on " extended '' repayment plans. They just arbitrarily changed without my consent or approval to a 30 year payment plan! Ridiculous especially with the 9 % loan! I would have paid it 3 times over! I have called and complained twice now. I had to force their hand about not having anything authorized by me to change my payment plan and to put me back on standard payments.
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Accounts, Inc. (ND)

I write in reference to the credit Collector : United Accounts , Inc. 
XXXX XXXX ND XXXX I moved out of an apartment ( apt ) building on XX/XX/XXXX, without owing any money to the apt company ( XXXX ). My apartment was checked out by the then apt manager and according to him, everything was ok. 
I moved out before the end of my lease but I was granted permission from the then manager. He told me it was OK for me to move out and he found a tenant to take over my lease and I also gave him my 2 months notice as requested. After I moved out, the apt manager stopped working for the apt company and a new manager took over from him. Between the old and the new manager, there was no transition and no correct exchange of documents so the new manager billed me {$1700.00} because according to him, he was not briefed by the old manager that he was aware of me moving out and he gave me the permission to move out. 

After a year, I received a letter from the debt collector, United Accounts Inc ( UAI ). I immediately wrote back to them disputing the debt. I have submitted sufficient documents to prove that I did not violate the terms of agreement per my rent lease and I had permission from my apartment manager to move out of the apartment. I have submitted all documents to prove that the original debtor ( XXXX ) is wrongfully charging me but still, the debt collector ( UAI ) does not want to drop the charges due to the fact that they want a commission on the alleged debt because that is how they pay themselves. I even sent them ( UAI & XXXX ) 3 pages of text message exchanged between myself and the old manager during the time he gave me permission to move out of the apt . The text messages show all the conversations I had with the old manager including evidence showing that he received my 2 months notce, he giving me permission to move out of the apt and he saying he has found new tenants to take over my lease. The messages also show evidence of him checking me out of the apt . All these evidence is submitted to the credit collector to prove to them that I do not owe any money because I left legitimately without owing any money. However, the debt collector and the original debtor does not want to remove the debt account because I went online and gave them a bad review and so, this is their own way of " punishing '' me. They have reported the debt on my credit report and now, my credit score is messed up. I have always had an excellent credit score of XXXX but due to this debt account, my credit score is currently XXXX. I was in the process of securing a mortgage and because of this, I 've been denied and my credit cards limits have been reduced drastically.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AL)

Credit reporting agency responded with accounts matched name social security number and date of birth. As this agency knows they have mixed my files up previously as well as not contacted the actual creditor but relied on electronic correspondence. I have asked for the name of the individual who verified this along with documents that verify. 
XXXX acct # XXXX XXXX Acct # XXXX
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HW Holding, Inc (VA)

My chapter XXXX bankruptcy ( Case XXXX ) was discharged on XX/XX/XXXX. After the discharge, I filed XXXX disputes - XXXX with XXXX and XXXX with XXXX - to have an eviction record reported by Hunter Warfield ( collection agency for XXXX XXXX ) removed from my reports. 
XXXX of these accounts was removed on XX/XX/XXXX, the other on XX/XX/XXXX. I recently moved and I 'm unsure why but Hunter Warfield began contacting me via telephone and postal mail, attempting to collect the debt that was included in my Chapter XXXX and had already been removed from my credit reports. 
I notified them via Electronic Mail that I am no longer liable for this debt, and included a copy of my Discharge Certificate. 
Hunter Warfield failed to reply to my e-mail, but I reached out to the City of XXXX ( there was a default judgment against me for this debt ), and they said that although I have proof of filing Chapter XXXX Bankruptcy, since the discharge certificate does n't specifically list Hunter Warfield, XXXX, or the City, they would not remove the judgment from their records, although the City advised me that they would not attempt to collect on the judgment since I had a Chapter XXXX on file. 
After my move, I checked my credit report via XXXX and discovered that Hunter Warfield added this debt back onto my XXXX credit report. I contacted Hunter Warfield advising that this debt was discharged but once again, I received no response. 
I have filed a dispute with XXXX but it could take up to 30 days to resolve. I also feel that Hunter Warfield has violated their rights as a debt collector in the state of Virginia.
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WI)

My student loan was with XXXX XXXX, and is now owned by Navient. Since the change, I have not been allowed to pay more than the minimum balance each month. With XXXX XXXX, I was paying far more than the monthly minimum in an effort to pay the loan sooner ( interest rate is quite high ). Navient does not permit advance payment. In fact, until XX/XX/XXXX of this year, every check I sent, directly from my bank, was returned through a government issued check. I also attempted to pay electronically, but that was returned. They content that, although you ca n't pay extra in your monthly payment, you can make an extra payment ; but this was not true until they realized they were in trouble ( lawsuit in XX/XX/XXXX ). I would like to be compensated for the extra interest I 've paid since XXXX XXXX sold my loan to Navient. I would not have agreed to Navient 's terms had I any choice.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, I have disputed my concern that Experian reporting in my credit report that i have Consumer finance account XXXX of them but it is inaccurate please investigate and remove that inaccurate and false information from my credit repot. I have attache the proof of the fact that is reporting.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following accounts that Experian continues to report on my credit file : Bankruptcy Case ID # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. 

I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documents. 
Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Experian so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. Along with my other accounts. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. Experian informed me that they where not going to reinvestigate this information again unlessI send additional relevant information. I have also updated my name numerous times. It is now reporting wrong which is not being factual. 
Thank you
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

I disputed multiple inquiries on my report as not being mine as I hadnt applied for credit for a few years now. Some inquiries were removed but showed back up on my report. I 'm requesting that all inquiries without an open account be removed as I have yet to hear back from anyone concerning these fraudulent inquiries
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

Equifax has willfully violated the Fair Credit Reporting Act ( FCRA ) by not conducting a proper re-investigation nor providing me with the proper documentation to validate that the state tax lien in the amount of {$2500.00} that is listed on my credit report is being reported accurately. 

My original correspondence dated XX/XX/2016 requested that Equifax validate this information with the XXXX County Recorder of Deeds and obtain any documentation that would prove this information was valid. Equifax response dated XX/XX/2016 indicated they verified the state tax lien and listed the address and phone number of the XXXX County Recorder of Deeds only. I followed up with a second correspondence dated XX/XX/2016 requesting from Equifax a full description of the steps they took to validate that the state tax lien was indeed being reported accurately. I specifically requested they provide the names, addresses, and telephone numbers of each person contacted at the XXXX County Recorder of Deeds office whom they alleged validated this lien. Once again, Equifax response dated XX/XX/2016 listed the same information from their previous correspondence listing the item was verified as before. 

On XX/XX/2016, I contacted the XXXX County Recorder of Deeds and spoke with XXXX to verify if the state tax lien Equifax was reporting was being accurately reported by their office. Not only did she inform that I do not have a state tax lien, but also that the XXXX County Recorder does not report liens to the credit bureaus nor verify the information reported by third-party research firms are accurate. I promptly sent a third correspondence dated XX/XX/2016 informing Equifax of their inaccurate reporting, negligent validation methods, and requested they remove this blatant inaccuracy from my credit report. Equifax responded on XX/XX/2016 stating the information was verified through a third-party vendor named XXXX. 

Please note that, as in XXXX ( XXXX XXXX ) XXXX Fed. XXXX ; and XXXX, the courts stated that verification can only be attained from a party with first-hand knowledge. A third-party vendor such as XXXX does not have first-hand knowledge and as such is considered hearsay and hearsay inadmissible and incompetent and does not constitute verification. 

As you have witnessed, Equifax has willfully and blatantly violated the Fair Credit Reporting Act ( FCRA ) on multiple occasions with regards to my request for them to validate the state tax lien they are inaccurately reporting on my credit report. They have been irresponsible in the way they have conducted the re-investigation and engaged in deceitful practices that the court have deemed inadmissible and incompetent.
Consumer complaint received 2017-04-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (NC)

Optimum collections agency filed a fraudulent derogatory remark on my credit report with the XXXX credit reporting agency. XXXX XXXX Hospital, XXXX County, NC, neglected to enter the appropriate data into their database.. The emergency room debt, {$30.00}, was paid in full by husband 's XXXX XXXX veteran medical insurance policy that includes family too. The XXXX XXXX Hospital and XXXX XXXX hashed it out and the debt was resolved.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX I was the victim of identify thief. Upon pulling my credit report and discovering all list of unauthorized inquires and accounts, I immediately contacted the credit reporting agent to place a freeze on my credit file. On XX/XX/XXXX I sent the reporting agency a certified copy of the identify thief police report, a copy of ID, social security card and a list of the fraudulent items in question. Despite my efforts, the credit reporting agency continues to send letters stating that I must contact each company individually. As a consumer faced with restoring my life after identify thief this is a very disheartening situation. Experian continues to violate my rights under the Fair Credit Reporting Act, by reporting information on my credit report that are fraudulent, inaccurate and not authorized. Due to their reporting negligence, this is ruining my life!
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (DE)

A collection account was added to my credit report in early XX/XX/XXXX. I believed the account to be inaccurate so I disputed the account with Equifax. Subsequently, the account was deleted from my report in XX/XX/XXXX. In XX/XX/XXXX, the same collection account for the same balance was reinserted on my credit report with no notice to me, as required by law. Please investigate this account. The attached documents show the collection account ( XXXX {$500.00} ) as currently listed on my credit report and as it was deleted in XX/XX/XXXX.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

requested to have items that have been closed and/or sold or transferred removed from my credit report and some addresses deleted. they are refusing to remove even after providing information that these accounts are closed or the company no longer has them. please assist. This was submitted to all XXXX bureaus with no luck
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AR)

I have disputed items with this credit bureau more than once about unauthorized inquiries, account that is to old to be on file ( XXXX ), and a utility bill that is being reported. Utility bills are not credit and I live in another state so the mail never got forwarded to me. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau try to say that my dispute is not specific and that they can not verify my address so they will not correspond until I furnish documents to prove my identity. I have supplied these items and proof to get the items deleted on their web site, equifax.com/document upload, and have also faxed the documents as well, all to no avail because they keep saying I have not sent them anything, which is a lie.I have used the same US mailing address for over 20 years and how dare they use this as an excuse as to why my disputes are not handled properly or accordingly. The accounts in question are XXXX and XXXX which are utility accounts that should not be on credit reports since they are not credit accounts. I want to know where they are getting this third party information from. If it is not from me, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

Hello, I am filing this complaint against Experian credit credit bureau. They are reporting inaccurate information on my credit report. I have previoulsy disputed the information on my credit report and have n't received a resolution to the matter. There are several accounts reporting that do not belong to me as well as all inquiries I have reviewed on my report. I have filed a police report in regards to this matter. I am requesting that all hard inquiries be removed immediately as well as the XXXX accounts in collections that do not belong to me as mentioned before! They were also inquiries that were removed and added back to my report with giving me 5 day notice which is required by the FCRA. This is a violation of this statute. I will continue to pursue all actions accordingly until this matter is resolved. I have provided a copy of my identification to speed up the process.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

Despite 2 written requests, unverified accounts still remain on my credit report. The bureau stated in their responses that the accounts were listed as valid, however failed to send me the documentation that they used to verify the accounts as I requested in my letters of dispute. The company has ignored my request which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to Civil liability and the remedy available to me ( Section 616 & 617 ) If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.