davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NC)

I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all three reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all XXXX when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Seterus, Inc. (FL)

Seterus, Inc. ( XXXX ) falsified by credit report by reflecting no data for several months when I had paid every monthly installment due. When I was unemployed & could no longer pay, they modified my original loan to worse terms not disclosed. They continue to process payments extremely slow, attempting to cause late fees to be earned. In XX/XX/2016, I sent every payment certified, return receipt-it took a minimum for payments to be processed. They do not allow me online access to see any of my mortgage details. They are the WORST COMPANY AND XXXX pays them to be a provider!!!!! XXXX does not respond to any of these issues but MUST AGREE WITH THEIR BUSINESS PRACTICES..
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

I disputed XXXX items with XXXX, they did great and took care of me. They were adequate and thorough. Although, Experian and XXXX will not remove what XXXX removed. I will attach all documents involving my cases in XXXX. I attempted to call XXXX and XXXX but I need to buy XXXX credit report first. I used my annual free credit report and called. They said it has already been disputed and those were the final results. I am asking you for help to remove my negative accounts when I am paid as agreed and to completely remove XXXX because of my separation agreement and final divorce decree naming XXXX ( ex husband ) the car, also stating he is solely responsible and has been since XXXX of 2013.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

I have requested on several occasions for the agency to please validate a bankruptcy judgement information reported on my account and provide me with copies of any documentation associated with this account, bearing my signature. This information should be supplied within 30 days. They refuse to provide me with the information of how they are verifying this to be my account as will as I requested the name address, phone number and person whom verified this account to be mine and nothing has been provided by the agency.I have called the agency to only be rude to my the staff of this agency.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IN)

I have requested for Equifax to provide me on how they verified information on my report. I asked the following : Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. I asked for them to not provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
And they keep sending the same response with no supporting documents or answers to my requests. No one is reviewing my file, and they must have some type of automated computer generated system in place that is managing these files. It is a crime and I need help with this?
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (WA)

Case XXXX is now 30 days old. I have recieved no correspondence at all from Equifax since the last response here. 

Equifax stated they would contact me with investigation results within 30 days. They have not. This is a violation and non compliance.
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NY)

Equifax has blocked my credit score and are not reporting it to third party despite the fact that I have given them authorization. This is causing me to pay an additional 0.25 % on my mortgage. When I called them they were unable to explain why there was freeze on my score and said they need bunch of documents and 48 hours to lift the freeze. All this is going to cost me a lot in terms of APR on my mortgage.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

I Just called Equifax Office on Phone # XXXX and spoke with a rep IN THE CONSUMER RELATION DEPT BY THE NAME OF XXXX XXXX SHE ADVISED ME THAT THEY DO NOT SEND OUT THE ORIGINAL CONSUMER CFPB PLEASE TAKE NOTE OF THIS AND I WAS ON A RECORDING LINE AND COULD FORWARD YOU WHAT EXACTLY WHAT SHE SAID CFPB THIS IS A SERIOUS VILATION OF THE FEDERAL LAW ... PLEASE INVESTIGATE THIS COMPANY A BUNCH OF CROOKS
Consumer complaint received 2023-02-03
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. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/2023, I received a notification that an inquiry was placed on my XXXX credit report for a JPMCB- Card services account. I reviewed the information on XXXX and determined that I never applied for this type of account or any credit within the last 90 days. I immediately disputed the inquiry on XXXX 's online portal, assuming that it was an error and the report came back that it was accurate. I then redisputed the inquiry again and advised that it was a fraudulent inquiry and XXXX again returned stating that it was accurate. On XX/XX/2023, I contacted the number on my credit report for JPMCB- Card services to inquire about the account but the customer service representative could not find my information in the system. She advised me to contact XXXX. Next, I contacted XXXX 's dispute center by telephone and spoke to a woman who advised me to take the next step to dispute the inquiry as fraud and to send in information regarding the fraud. She also advised me to contact the CFPB which I am doing now.
Consumer complaint received 2022-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (SC)

On XX/XX/2022, I received a debt collection letter from AARGON Collection Agency The Only Real Solutin. I do not know how this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which cam through the mail. I believe this company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. 
I request the itemization date pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( vi ). I request the debt amount as of itemization date. I request the itemization of the current so called debt amount, and the current debt amount. If this request is not fulfilled within the allotted time, then this is fraudulent and I demand to be compensated.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (NV)

I submitted a dispute to Equifax back in XXXXXXXX XXXX XXXXXXXX  about two fraudulent accounts on my consumer report, XXXX XXXX XXXX XXXX one in the amount of {$5800.00} and the other amount for {$2500.00}. I submitted over my identity theft affidavit, my police report, and a statement stating the account was fraud and to block this information from my consumer report. Equifax sent a letter statement they were not going to block the account but they were going to investigate the account. On XX/XX/XXXXXXXX  Equifax completed the investigation and update my consumer report saying the account balance decreased by {$420.00} and the other by {$77.00}. The account was also reporting charge off but now the account is reporting as unknown payment history from XX/XX/XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am trying to see how did Equifax investigate a fraudulent account and furthermore how did a account go from charge off to unknown payment history and the account is back open. That is not accurate information that Equifax is reporting on my consumer report. Remove and block this account immediately from my consumer report. If the block is rejected, please send in writing why this block was rejected and what claims does Equifax have to support the rejection of this block. I will attach screenshots below of the status and history of this account. 

Accounts : XXXX XXXX XXXX ; Amount : {$2400.00} Accounts : XXXX XXXX XXXX : Amount : {$5400.00}
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. ()

Public Record Information ( This section includes public record items obtained from local, state and federal courts. ) XXXX We have reviewed the judgement information. Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact : XXXX I have disputed this information with equifax , as the case was dismissed with prejudice as well as was expunged from my record via court order. I went through and disputed it for the same reasons as it should not appear per the expungment order with the other credit bureaus and they removed it as per court order. However Equifax is refusing to do so. I am seeking assistance from the CFPB to have the removed from my credit file with equifax. 

below was there response to my dispute : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX Satisfied Judgment Filed XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; Case or ID # XXXX ; Defendant XXXX XXXX XXXX ; Amount {$8400.00} ; Plaintif XXXX XXXX ; Status Satisfied ; Satisfied XX/XX/XXXX ; Verified XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX : ( XXXX ) XXXX
Consumer complaint received 2015-07-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I 've been requesting a payoff quote from Seterus since XXXX XXXX, 2015 and I 'm still not in receipt of the quote, even after consistent follow up and follow through with Seterus. Please see attached for specifics on follow up and communication with Seterus.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

Equifax has not only refused to put a XXXX year fraud alert on my account after I suffered identity theft, they have also refused to remove inquiries which were not made by me. The other XXXX credit reporting bureaus notified Equifax of the ID theft and the XXXX year fraud alert, which Equifax has ignored. Also I have letters from the banks that made inquiries saying that all XXXX banks would send inquiry removals to Equifax. Equifax has also ignored these letters from the banks. When I called Equifax to tell them about all of this, they said they never received a XXXX year fraud alert nor any of the inquiry removals which seems implausible.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have been requesting verification of the following account that Equifax continues to report on my credit file : Us Bankruptcy court- XXXX Case Or ID # XXXX. Equifax listed XXXX, XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2016. 
I directly called the XXXX telephone number that is listed on my report at XXXX and spoke with a representative she informed me that a security freeze was placed on my account as of XX/XX/2016. 
I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and the representative advise me that my security freeze was confirmed and set into place as of XX/XX/2016. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2016. 
I demand that this public record Us Bankruptcy court- XXXX Case Or ID # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax '' s so-called " verification '' on XX/XX/2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : Us Bankruptcy court- XXXX Case Or ID # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I authorized XXXX XXXX to do a credit inquiry for financing, I did NOT authorize XXXX Bank, XXXX Bank, or XXXX Bank to do an inquiry. These are for the same thing - a motorcycle loan. Can you please remove all but the XXXX XXXX XXXX??
Consumer complaint received 2015-11-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PASCO, Inc (OH)

CELCO has started to harass me with letters and phonecalls after I already paid my debt, I called them and I said that the debt has already been paid, then they sent me a letter in the mail stating " based on your phone call and your promise to pay '', while I have already paid. They still send me mail, even though I called XXXX which confirmed that I no longer have a debt since I paid my debt in full. 
In addition, during my phonecall with them today, she inquired about CELCO 's fees despite my repeated attempts to prove to her that I had paid. I have also informed them that will file a complaint due to the excessive amount of stress I was subject to, despite having paid.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

First off, thank you so much for helping me. My Cell is XXXX I have a pre-trial appointment XXXX/XXXX/2015 @ XXXX XXXX XXXX XXXX XXXX XXXX. I would have gladly settled or paid this debt if it were mine..i swear on my life. The original creditor XXXX XXXX ( i currently have XXXX credit card from them in excellent standing ) & i had never done business until 24-36 months ago, when i first obtained a credit card from them. My legal name is on everything i own, owe on, etc. as XXXX XXXX XXXX. My closest friends call me XXXX, not XXXX & i never lived at the XXXX address this account was associated with. I am being threatened by this outfit & the lawyers of XXXX XXXX, XXXX XXXX XXXX XXXX. I have had to use pto days off & pay {$65.00} dollars to file, certified letters to attorneys, for a debt i do not owe. Sorry for complaining, i try to keep in mind my blessings each & every day, but how they are doing me is wrong. I will gladly pay whatever is mine, but this is not only not my debt, it was from 10 years ago. Thanks so much & please tell me what i should do next. 
-- XXXX
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

A Tax lien that has been paid and satisfied had not been removed from my report it is Equifax is XXXX months delinquent ... I was sent an email stating this would be purged XX/XX/XXXX the email is dated XX/XX/2014.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (ME)

I am being asked security questions so that the credit reporting companies can verify my identity and none of the questions pertain to me! For example, XXXX question asked me to verify a prior telephone number, none of the choices were ever my number, XXXX question asks about a mortgage taken out in 2010 and what finance company I used, I did n't take out any mortgages in 2010 so my answer was none, another question asked what XXXX I formerly lived in, I did not live in any of choices given, my answer was none, so they could not verify it was me! I do n't know what to do, can you help?
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IL)

I recently paid off my mortgage loan, ( XX/XX/2015 ). I have yet to receive a release of lein. I have called the servicer, SETERUS, several times and continue to be told it will take 7-10 business days. It has been 4 months!!!
Consumer complaint received 2016-09-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (OH)

For several months I 've received phone calls ( voicemail messages ) from Transworld Systems , Inc. requesting that I return the call to a person ( the name changes periodically ) to discuss payment on a debt that I owe. 

I keep up with my outstanding debts and I do not owe anything that a collection agency would be calling me about. I researched the company online and have found there are numerous complaints about the company and the tactics used in an attempt to collect outstanding debt. 

The phone number being called is a residential landline phone. Perhaps the person having this phone number prior to me has outstanding debt, but I do not. Also I purchased my house in 2010 through a foreclosure proceeding, and I suspect the person who owned the home prior to me has financial problems based on the financial transactions posted to the county Recorder 's office prior to the foreclosure and the continued mailings I receive in that person 's name that run the gambit from attempting to collect money owed to offers for vacation giveaways to gambling casino resorts. I also receive mail in the wife 's name and a son 's name that show they have continued to use this address ( now my address ). 

Based on the online testimonies of all those who write about this company I will not be calling this company back to inquire or set the record straight at any time in the future. It appears from the details of the writers any attempt would be useless and only empower the bullying tactics of the company. I would like the phone calls received 2-3 times per week to stop, however.
Consumer complaint received 2015-11-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (MO)

I took a loan out through sallie Mae in 2011 and have yet to pay off a {$2500.00} loan. They keep hiking interest rates and late fees and I 'm very sick of it. I ca n't afford it. Then they call my number all the time when I 'm maybe two days late and wo n't stop until they 're payment is processed and that 's not short timing by no means. It 's harassment. I encourage people to not go to college. It 's a scam.
Consumer complaint received 2017-01-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (NJ)

Sallie Mae is a terrible lender. Average wait time on phone calls are XXXX45 minutes, once the call is answered, you are continuously placed on hold. I needed a simple payoff letter on XXXX loans and it took me 7 days for them to only get the XXXX, then it took XXXX additional phone calls to get the other XXXX completed. I spoke with about XXXX different departments (? ) the expediting dept. said it would take XXXX72 hours to produce ( SOME EXPEDITING!! ), As I write this, I have been on hold for 35 minutes. Too many departments, too many workers and too much ineptness. I am glad I am paying this off because their poor practices scare me!!!!