davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

XXXX, DE XXXX Re : Unauthorized Credit Inquiry I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing on XX/XX/2015. 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. 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, XXXX
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

I believe I am a victim of identity theft. Every year that I try to get my free annual credit report it tells me that my data does n't match even though I have been using the same social security number all of my life. Its also keeping me from getting a past XXXX from one of my jobs.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Someone opened up a credit account in my name with XXXX XXXX. I informed the credit bureaus as well as the creditor that this account did not belong to me. They wrote back and said they have a name that matches my name and they verified the account. Im not sure what that means in terms of someone having the same name as me.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

This public record is more than seven years old and is not mine. It is with Equifax and I can not seem to get it removed. I keep getting the run around. The account is with Unifund for the total {$16000.00} of Public Record Details Docket Number with XXXX XXXX, TN XXXX Court Status Pending Amount {$16000.00}. 
I need to have them remove it from Equifax immediately.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

Income tax lien filed in XXXX in the XXXX XXXX Court. I have lived in State of XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer. 


Consent to publish the
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Broken lease that was placed on my credit report account with Equifax on XXXX XXXX, XXXX for collections in the amount of {$2400.00}, with / XXXX XXXX Original Creditor. This debt does not show scheduled date to be discontinue on my credit report and is treated as a new collection. I XXXX XXXX applied for an apartment and was denied, because I was informed I owed XXXX XXXX Collection Buerau /XXXX {$2400.00} reported XXXX XXXX, XXXX,. I tried to contact XXXX XXXX XXXX In XXXX Az. I was told they went out of business in XXXX and were bought by XXXX XXXX per my conversation with the leasing manager XXXX XXXX on XXXX XXXX, XXXX, The amount of the debt is incorrect first of all it reflects a different amount then the amount owed, second it states that there has been a payment on this account in the amount of {$40.00} XXXX XXXX, XXXX which I have not made or to my knowledge has anyone made on my behave. This debt was originally with another collection company and the company was sold so the debt was sold, the new company has recycled the debt and now there treating it like a new debt this is unlawful, this debt was scheduled to be removed from my credit in XXXX XXXX, I do n't feel its lawfully that a companies can just come in and keep buying debt and recycling and punching you for lives mistakes.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

Hello, I am XXXX XXXX XXXX. My household income is solely based off SOCIAL SECURITY for me and my XXXX children. I am XXXX since XX/XX/XXXX. On XX/XX/XXXXXXXX last known use of all and any type of Internet or Wi-Fi usage for XXXX XXXX. I was XXXX on XXXX/XXXX/XXXX in the county of XXXX. At my residence remained XXXX XXXX XXXX along with my XXXX children. Bank Accounts from me both checking and saving along with XXXX son his Bank Accounts checking and savings were being misuse with out my consent or agree to the transactions occurring on and after XXXX/XXXX/XXXX. I am attempting to gather all and every document needed to prosecute this person/people who still continue to misuse my personal information at will.
Consumer complaint received 2016-04-18
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc. (GA)

PDQ Services Agency in XXXX, GA credit agency has submitted false documentation to the XXXX credit reporting agencies. PDQ lists the date of collection on all XXXX credit bureaus as XXXX XXXX. This date is inaccurate. PDQ sent the first collection letter on XXXX XXXX, XXXX with an erroneous amount owed of {$490.00}. I refused to pay the amount because it was inaccurate. I have a bill from the from Dr. 's office stating the correct amount of {$240.00}. Our medical insurance was billed, therefore, I did not pay. The bill was later turned over to collections. PDQ added this collection to my credit file at all XXXX agencies for a different amount of {$370.00} with a different reporting date on XXXX. PDQ is erroneously trying to illegally extend the period of collections by reporting the debt 2 years after the original communication. PDQ is also trying to collect more than the actual debt. PDQ sent the original collection letter on XXXX XXXX, XXXX yet I received an invoice from the Drs office on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. How can a debt be collected by XXXX different companies at the same time?
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

in the last 60 days i have requested from EQuifax credit reporting agency a physical verification of consumer documents in their in their files of a CH XXXX Dismissed Bankruptcy that has been placed on my credit report i have ask them for a physical verification of how the this information was obtain well it be from third party source, i have not receive this information as of yet, this dispute falls under the fair credit reporting act section ( 609 ) i have a right to this information since it is on my credit report
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Equifax deleted a XXXX XXXX account then reposted it even after I disputed the account. I have attached proof it was deleted, page XXXX of XXXX. 
XXXX XXXX account number XXXX
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I have disputed a claim against XXXX XXXX XXXX , XXXX for their blatant violations and fraudulent claims of debt owed. I have supporting documentation to support my disputes ; however, they refuse to remove the accounts from my credit report on ( XXXX ) of the the ( XXXX ) credit reporting agencies. I have retained legal representation and will continue to fight this injustice of commercial business practices. Being charged XXXX {$4000.00} from an apartment complex who has transitioned ownership three times in the last 24 months and told that there are no " written records '' of my decision to vacate upon lease expiration is madness ... how long can commercial muti-family management companies be allowed to do this??
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

I contacted Experian about incorrect payment history for my XXXX XXXX account, which listed a 30 day late payment for XXXX 2016. I disputed this information as being incorrect and even offered to provide documentation to show that payments have never been missed and that this is an error with their system or with XXXX XXXX however it needed to be fixed. I just received the dispute results that indicate that Experian somehow verified this information to be correct however I just got off the phone with XXXX XXXX and they confirmed that there should be no lates in the system and that they did n't verify this information to be correct. Not sure what is going here but it needs to be fixed immediately.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

Please be advised that TAX LIENS REFLECTING ON MY CREDIT REPORT XXXX = {$1300.00}, and XXXX = {$6500.00} were SATISFIED IN FULL WITH GEORGIA XXXX AND THE FEDERAL GOVERMENT/IRS. PLEASE CONDUCT REQUIRED INVESTIGATION AND MAKE CORRECTIONS REFLECTING THESE DEBTS SATISFIED IN FULL ASAP!!! I am a first time home buyer and these unwarrented adverse recordings are affecting me negatively UNFAIRLY as can be imagined!!! 
Your prompt attention would be immensely appretiated!! 

XXXX XXXX XXXX XXXX ) XXXX ( Direct cell ) XXXXXXXXXXXX
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I recently pulled my credit report from Experian and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Experian and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Experian continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have been contacted multiple times by a collection agency that goes by XXXX separate names ; XXXX XXXX XXXX & XXXX XXXX XXXX. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX XXXX
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

Experian LLC XXXX. XXXX XXXX XXXX, XXXX XXXX Credit File Number : XXXX XXXX XXXX XXXX ( SSN # XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX Code 1681g Section 609 - Disclosures to consumers Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

Public Records-Federal Tax Lien XXXX County Circuit ( This debt was included in the bankruptcy chapter XXXX filing and withdrawn. Please accurately report this information or delete from file. ) / Identification Number # XXXX Date Filed : XX/XX/2016 Claim Amount {$32000.00}
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I continue to receive auto-letters from Experian stating that they wo n't even investigate this and that they stay on my file for 7-10 years. I would have NO problem with that if they were reporting this correctly, but they are n't! I 've asked to see the actual petition that they are using to verify this information and they have refused to send it. Congress states that the only legal form of verification is firsthand knowledge and the FCRA states that the bureaus must have these docs in their hands PRIOR to even reporting them! So why should it be so difficult to get this information from them if they actually have it? It 's because they do n't! They do n't do that unless they feel that they are about to be sued! Well, I have now have an attorney on this and have gotten the attorney general of CA involved because they refuse to correct my credit report and continue to send me garbage auto-letters each month. 

Here is my dispute with them and you 'll also find the public records page attached along with the letter in full and my identification : US BKPT CT CA XXXX XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct - please send me the physical petition You do not have the court listed correct : US BKPT CT is abbreviated and this is not accurate - this must be listed accurately, without abbreviations, and completely You have no plaintiff listed
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OR)

Hi So equifax had XXXX inquiries under my name, which I did n't recognize. I contacted them for disputing the inquiries, they asked me to contact those lenders directly to ask them to remove because Equifax could n't do anything. 

I called these lenders, one of them was XXXX XXXX XXXX, asked them to check if there was any credit inquiries under my social number or my name, turned out there was none. 
I called Equifax and they said there was nothing they could do because they ca n't remove inquiries, which I find very unsatisfied answers. There were not only XXXX but XXXX unrecognized inquiries, and certainly XXXX on the other hand does n't mess up like Equifax.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

I am very confused by what is being reported by Equifax. They have a XXXX account with a balance and payment status that is wrongggg! I have proof that its paid off and not past due at all! I want this fixed right now! I also see that they are reporting my XXXX mortgage as currently past due but there is no payment history reporting at all! How can this be past due????? I am so confused and frustrated here. This has to be fixed now!
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

XXXX mortgage. First Delinquency XXXX XXXX when the company was still XXXX XXXX. Company transferred to XXXX XXXX XXXX and XXXX reset our delinquency as XXXX XXXX. Foreclosed XXXX XXXX Credit Reporting Agencies refuse to delete the account from record despite it 's being almost eight years since first delinquency. They are now telling us we have to wait XXXX years from " last activity '' which was the last time XXXX took payment from us. XXXX is bankrupt as of XXXX and therefore not reachable. Equifax dispute number is above but all three agencies are uncooperative.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax has been remove almost all my account from my fileXXXX HAS BEEN REMOVE # XXXXXXXX HAS BEEN REMOVE # XXXXXXXX HAS BEEN REMOVE # XXXXTXXXX HAS BENN REMOVE # XXXX
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I found out I had a collection placed on my credit report around XXXX 2015, information appears to be related to an apartment rental at an address that I am not associated with and I disputed as fraud and the credit bureau refuses to remove. I was sent a copy of a lease from the collection agency, but it is not for an address that I have ever lived at and does not appear on my credit report. I have notified the credit bureau of possible identity theft, but the collection has remained on my file. I was never notified by the collection agency prior to this being placed on my credit report, but disputed as fraud and they continue to report.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX, I issued a complaint regarding equip ax having incorrect information on my credit report. They were putting bad credit issues that belonged to a XXXX XXXX, who is not me on my report. XX/XX/XXXX they sent me a letter that they had removed that information and put an extended fraud alert and blocked my file for promotional purposes until XX/XX/XXXX. Yep, it just expired and I 'm already getting creditor calls for a XXXX XXXX! Obviously they never fixed the problem. I understood the problem was XXXX XXXX 's social security number has the last same XXXX digits, but somewhere in the middle it 's different. How do I make Equfax stop reporting false information? Do I need to get my attorney involved? This is pure harassment from them and it 's been going on for years.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

In the transfer from XXXX XXXX to Navient, I was unable to set up automatic payments. I was unclear which payment option to choose and unable to get an answer from Navient which option I should choose. I chose the wrong one, leading to my payments required being {$0.00} for a long time. No payments were being taken from my account I set up, leading to higher interest stacking up. Manual payments have got me back on track now, but not through any help of Navient.
Consumer complaint received 2016-10-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

In 2001 my school closed 3 months into a 9 month program. They failed to provide proper required info to the state of Oregon. The loan was through XXXX XXXX and paid full tuition to the school ( XXXX XXXX XXXX ) up front plus 9mos of a cost of living stipend. OR repaid XXXX XXXX {$6000.00} through their tuition protection program but XXXX XXXX ( now Navient ) still holds me responsible for the remaining money including the 6mos of stipend that I never received. OR has inaccurate dates of the school closing resulting in Navient insisting that I received the education that was paid for.
Consumer complaint received 2017-01-09
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (OR)

I enrolled using my GI Bill and somehow ended up with a XXXX loan out of the deal. I did n't know much about the whole college thing when I went in and had thought I made it clear to my counselor that I did n't want to incur any debt. Now I owe on some education that never even benefited me due to a debt that I never asked for. The counselor told me the GI Bill would pay for everything. I signed some paperwork but I did n't know it was for a loan.
Consumer complaint received 2017-03-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (IL)

The loan agreement when I signed up for it was suppose to be paid once a month in the amount of {$140.00} and they are taking it every paycheck which is every two weeks, the other agreement when I applied was the pay back amount was going to be {$540.00} on a {$400.00} loan which is now closer to {$2000.00}. These are not the terms I had agreed to and they did not inform of such changes, I feel I was mislead and scammed, they completely changed the agreement and I 'm being told there is nothing I can do about it. Furthermore they say they are on tribal land so the laws do n't apply to them. The company is called Big Picture Loans.