davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I had a loan financed through XXXX XX/XX/2015 but the car had a number of issues and I tried to return the car but the dealership did n't want to give me my money back. I tried to take it back prior to 30 days but to no avail. I refused to make the payment and knew that they would pick it up then and they did pick it up around XX/XX/XXXX ( 10 days after payment due ) at about XXXX some XXXX man beat incessantly on my door and demanded the keys and for me to remove anything that I had out of the car. I immediately cancelled the insurance and the registration with the DMV and XXXX XXXX XXXX. I expected to see a rep on my credit report and I would have been able to get another car but the finance company keeps reporting that there is an open loan and that it is current making it impossible for me to get a car loan. I have tried since XX/XX/2015 ( date I first learned of open loan ) and every month since. XXXX XXXX has been contacted several times and keep giving me the run around and the last time i contacted them was on XX/XX/XXXX and was told that the loan never funded and to contact the dealership. I am getting the runaround from both XXXX and XXXX XXXX XXXX in XXXX, Georgia. Lastly, Equifax is equally as complicit as XXXX and XXXX XXXX XXXX as they have perpetuated a lie by claiming that they verified with the source and that it is correct. The address of the creditor is n't even correct so I know they have n't contacted anyone. I also know that they profit from negative information so it is in their best interest to continue to promote this deceit.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OR)

All the issues on my credit report have been taken care of and they still show on my report. I have no outstanding debts or judgements! They still show on my report and also show that I am applying for credit which I am not. I have closing statements and escrow that can send for evidence.
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (SC)

Wondering how to get historical record of any dispute ( s ) filed pertinent to my having initiated one several years ago with a credit_monitor but not communicated confirmation of progress, that apparently only got swept under-the-carpet until after subscription to said 'protection ' had expired. Belief is also that XXXX. applied a fraud alert which was not released prior to disconnecting service, due to my latter inability to respond correctly to identity proof contests and subsequent loss of all online access to all XXXX scoreless credit reports.
Consumer complaint received 2022-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (NY)

The car was a total loss. Exeter finance continued to charge fees and interest after the pay off amount check was sent by my insurance company. Fees that they can not explain making my refund a lot less smaller. They also stole my Gap insurance money from XXXX XXXXXXXX, claiming the insurance company did not pay the pay off amount which is a lie, they payed over the amount. I been given the run around in regards to my refund check since they claim to have mailed it to me on XXXXI have not received it yet and were in XXXX now. Tired of calling this company and no one can give me accurate information. There customer website never matches what they are saying on the phone.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I disputed with XXXX a XXXX XXXX XXXX account that appears in my credit file. I believe that the balance reported is incorrect. I believe that this account was paid and closed. I requested to Equifax to mail to me the account-level documentation used to confirm the accuracy of the information. For example, a signed contract, the terms of the contract, purchase and payment history, as well as the method used to compute the interest, fees and other charges applied to this account on a monthly basis.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, 2015 I discovered an error on my credit report an address does not belong to me, I 'd disputed the item in question via online. Equifax required that i need to send a copy of the following documents : Driver 's License, SS #, Utility Bill, so I did send the requested documents. 30 days later The item in question has been deleted, on XX/XX/XXXX I check my credit again via XXXX XXXX, again the address XXXX XXXX XXXX , XXXX GA is reinserted on my credit file information. I contacted Equifax via the telephone my call was forwarded to the call center, .the agent assisted me in disputing the item in question for the second time. Finally on XX/XX/XXXX I received a letter from Equifax confirmation # XXXX that the address that does n't belong to me has been deleted ( see attached ). On XX/XX/XXXX I check my credit.again via XXXX XXXX as always, sure enough here we go again the address that does n't belong to me is reinserted for the third times! I never live on this address for some reason Equifax insisted placing it back on my credit file information. Someone is providing Equifax with this incorrect address I repeatedly told them about the item in question. In addition there 's a consumer statement on my file that i did n't write or requested to add.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

On XXXX XXXX, 2016, ( original letter date for dispute XXXX/XXXX/2016 ) I wrote a letter which I will paste below stating that this information had not been validated nor had the company replied to my response of providing burden of proof of the " legal items '' listed to belong to me. It been exactly 30 days since sending the notarized letter and no response.This letter is formal notice that you have failed to respond to my dispute letter of date. I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on some date. 
As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : Reference Number XXXX Please delete this erroneous item from my credit report as soon as possible. 

Best Regards, XXXX XXXX
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DE)

I received a credit report from Equifax showing a XXXX SERIOUS DELINQUENCY code for a XXXX XXXX account with the comment " ACCT SUBMITTED TO COLLECTION ''. I disputed the item and contacted XXXX directly. They agreed that the account had been paid on time and have no record of a collection action. They mailed me a letter stating as such. 
Despite the item being in dispute and the subsequent admission by XXXX that this was an error, my FICO score is unusually low and is causing a direct harm to me as the cost of a loan product will increase by {$60000.00} over the loan term.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have two issues. First, Equifax has been informed that my information was posted online and that people are applying for credit under my name. There have been numerous inquiries to XXXX. I want Equifax to remove these inquiries because they are fraudulent and unauthorized. I have not initiated ANY credit inquiry in the last 2 years. Any inquiry in the last 2 years is FRAUD Second, Equifax refuses to remove the XXXX account when I have documentation from the school that it should be removed. It 's been very damaging to my credit.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

I have made XXXX Complaints to Equifax about and error in the way they are display my credit report and getting no where to finally pull and XXXX credit reports off of Equifax membership and clearly see there is a clear error in they way Equifax is report my credit report and score from XXXX and XXXX. There is no way in the world Equifax can not see the problem now once I send them this clear evidence of full credit report from all different days that show the differents account Equifax, XXXX and XXXX. 
Equifax Credit score XXXX, XXXX is XXXX, XXXX is XXXX. Equifax you telling me in my whole history of pulling all three credit reports they are never different by XXXX points. Score is difference but not that different. I never seen anything like this and Equifax you know if the same information is on all three credit reporting agency they will have around the same scores not a XXXX point differences. Equifax have the same Total balance {$62000.00}, Same Total Credit {$83000.00}, The same Total Monthly payments {$2400.00} as XXXX and XXXX but the biggest problem is the changes made on my old collection account by XXXX since the dispute was cancel. Here are all XXXX complaint # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I attached a copy of how all XXXX of my credit reports are being displayed so you can see the difference between all three clearly showing Equifax is the only XXXX reporting a change as you can clearly see there was n't any change in my report. And i attached my whole credit report. This is beyond clear there is a error on Equifax part at this point. There is no way around this one Equifax. Explain this one. Not taking responsibility at this point is like a big slap in my face. Equifax do the right thing. I attached the full credit report from XXXX XXXX to show what was on my report than when my report was XXXX, I attached full report when i dispute was put on my credit report when my score went to XXXX as you see there was no changes, and a full report when my score went to XXXX when the dispute was cancel showing there still was no change in my credit report. So why was there a change in my payment history and score if there is no change on my credit report. If this is a system error a dispute might not fix this problem. I attached all XXXX credit report pull off of Equifax membership that I have showing all three credit report and score from Equifax, XXXX and XXXX. I hope by you looking threw all these reports you can figure out what happen. Base on all XXXX reports my score should still be around XXXX. There is no big different in the credit report from all three reporting agencys so their should not be a big change in score. Not XXXX points, as you can see XXXX and XXXX I have excellent payment history and Equifax has good payment history after the cancel dispute. Equifax that is the clear problem the old XXXX account is now being report has a new collection account the status needs to be changes for it to go back to Excellent payment history.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

Equifax has not updated my credit report since XXXX/XXXX/XXXX. I contacted Equifax XXXX XXXX XXXX and XXXX XXXX, XXXX to request that they update my credit report. To this date the low score remains the same. I have paid my bills on time little before XXXX XXXX and been on time since then. XXXX and XXXX have updated their records with a higher score ; however, Equifax remains the same low score ( no change ). No update from Equifax only a generic letter with comments that scores are based on credit history. I understand that each Credit Agencies are different but there are duplication and old dates on Equifax credit report that needs correcting. I wish their people would take the time to go through the credit report instead of sending a generic letter of laziness. All XXXX credit reporting agencies has the same information.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

I have filed a dispute with both XXXX and Equifax who indicated would also be submitted to XXXX against XXXX for a false parent plus loan place in my name by XXXX University, which the credit bureau 's agreed with me and removed it from my credit report. Since this time this debt has been placed back on my credit report and in conversation with XXXX of XXXX XXXX today he indicated the creditor can put it on my credit report whenever they would like, which is false! XXXX took over a false parent plus loan from XXXX, which XXXX University applied for in my name after I was denied without my permission and/or authority. In speaking with XX/XX/XXXX from the Department of Education she got her supervisor on the phone who explained that after my denial of a parent plus loan, XXXX University applied for a parent plus loan in my name without my permission and/or authority and that loan was approved. I have made several attempts to dispute this loan and provided my proof of documentation of my denial, which XXXX and Dept. of Ed. continues to place blame on one another and pass the buck on whose responsibility it is to correct this problem and they continue to place it on my credit report, which is driving down my scores and costing in buying a home. No is trying to fix this, they continue to pass the buck on it and fail to correct the issue. This is ridiculous!
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NV)

I 'm contacting CFPB to aid me in resolving previously deleted accounts that have reinserted on my credit file. 

My Equifax report dated XX/XX/XXXX showed no " Negative Information " reporting on my credit, see attached online print out. My current report dated XX/XX/XXXX shows XXXX accounts under the " Negative Information '' section ; see attached online print out. I have previously disputed these XXXX accounts with Equifax : XXXX XXXX XXXX, XXXX XXXX, and XXXX Card. I recently sent a dispute on XX/XX/XXXX under Confirmation # XXXX ; enclosed is a copy of the dispute. 

Equifax reinserted the XXXX deleted accounts without notifying me. The FCRA states that they must inform me within 5 days of the reinsertion. 

I 'm in disbelief that this error is happening on my file. In XX/XX/XXXX I resorted in contacting the support of the Consumer Financial Protection Bureau on an item that had been deleted and reinserted. Through your support Equifax fixed the error. 

It 's absurd that they are violating my rights under the FCRA and they are careless. It seems to me that without resorting to filing a complaint with the Consumer Financial Protection Bureau, they do not follow FCRA procedure. 

In addition, the state of Nevada revised statute clearly states that a dispute must be completed within 30 days ; yet the online system shows XXXX disputes " pending '' from XX/XX/XXXX and XX/XX/XXXX How could I possibly trust this company 's procedure when they have violated the XXXX and XXXX laws over and over again on MY file. It seems that this is their " standard '' practice. 

Equifax needs to be sanctioned so that they do n't commit these types of errors again nor with other consumers.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name XXXX.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I have several accounts the equifax worker deleted that was active on my account so since they deleted it off my credit profile equifax blocking it from reporting i sent all letters from creditors to them stating that they are reporting to all XXXX bureaus and equifax still fail to add XXXX, XXXX XXXX XXXX, XXXX bank, i need help getting these items
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

EQUIFAX has refused to investigate my dispute and refused to provide me evidence to support their claim to refuse to remove a collection claim in my name despite proving to them that I took the company to court where the judge point blank told the woman to stop harassing me, treat her customers right and to remove all remarks on all XXXX credit bureaus reports.Despite me providing EQUIFAX a copy of the woman 's own written statement that she has informed them to remove collection account from my name, EQUIFAX continues for the third year in the row to refuse to remove the account. What does it take for EQUIFAX to follow the law and remove false reporting in my name? All they say that they have " investigated it " but refuse to provide me any type of evidence and documents, and completely ignore the written statement from the woman behind the claim to remove it
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NH)

I have a charge off on my credit reports with XXXX, I have paid the bal owed in full. The company said they would remove the remarks ( charge off as bad debt ) and replace it with ( paid as agreed ) They would send XXXX credit bureas XXXX, equifax and XXXX the update. They since told me they have done that. I have spoken to XXXX credit bureas None of them will change it. I have been working hard to take care of my old debts. Looking forward to maintaing a good credit history.
Consumer complaint received 2015-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have several accounts that are listed with this bureau that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed and the bureau refused to remove the items with the information I have given themMy Name has also been used fraudulently as XXXX XXXX but my name is XXXX XXXX SS # XXXX date of birth XX/XX/XXXX
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

There are XXXX liens on my credit report in the public records section. I challenged the information because I do not have any record of being sued. Equifax dispute resolution stated that the information had been verified with the XXXX XXXX XXXX. I contacted the court using the information listed on the credit report, no agency listed had any information on my name having liens. The case numbers listed are incorrect or nonexistent no one could help me find the information listed on my credit report. I have no idea who has placed this information on my credit report or how to contact them to resolve this issue. 
I also need the XXXX XXXX XXXX addressed because they have that I owed {$150.00} and my account was closed. My account was closed by someone other than myself without my knowledge or permission. When I notified the gas company that an error was made they setup a new account for me. The {$150.00} was already paid, so I would like that information removed.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

Experian has continually rated my credit at XXXX while the other XXXX rate it at appx XXXX. I filed bankruptcy in 2008 and have had to pay cash for all personal activities since that time. No one will give me credit because of the rating by Experian. I have paid my house payments on time every month since the bankruptcy and my business has been current on all credit activities since that time. Experian will not rerate me because I do not have enough credit activity, but because of them I can not get credit. A catch 22.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX at XXXX XXXX XXXX XXXX pa XXXX and u can call me at XXXX anytime or day .please can someone fixed my report because it 's all all mine at all someone store my social security card as my kids too.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

As a XXXX. Routinely, Experian denies my patients their free credit report online, requesting they send in a written request. I myself just requested my credit report, and I KNOW that I had all of the correct information to access my report, yet I was also told to submit a written request. Clearly, Experian is denying citizens their right to a free credit report. I noticed that XXXX plays the same game. This behavior not only needs to stop but be punished. 
Thank you XXXX XXXX