davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

My Equifax credit report had once more locked me out. This has been going on the past three years while I've been trying to get two of the same kind mortgage servicers to correct wrongful information that they report to the credit bureaus. They had blocked me from getting the XXXX XXXX XXXX and then for a few months allowed me access to later block me again. This time my Equifax was blocked and I left it that way because I knew once more they were either doing this for the mortgage company or allowing the mortgage company to do it. On Friday with much thinking I called the XXXX XXXX number listed with the error message. And in the many attempts to correct my intentionally blocked Equifax access, they asked mentioned that I had a VPN and that I need to disable it. I made the mistake of doing so and my PC has been an horror story since. Contacting the VPN company is how I found out I was asked to remove my VPN to allow access, because my VPN could in no way effect an log-in problem at a website. I'm not at all surprised this happened while trying to log into Equifax, I've had other very similar experiences and that's why I did not attempt to call that number. Its very obvious that serious changes has been made to my PC. And in an attempt to change passwords, I'm still wrestling to get things back the way it was before calling Equifax. I should have expected something when the guy kept muting the call if if he was talking to someone else. I feel rally bad about this because I had recently read that others had similar problems, but it was with my same mortgage company. They set me up to be hacked and exploited. I was told to contact the XXXX and that was done and to also report the crime at my local police on Monday. Its well known that XXXX XXXX XXXX XXXX is trying to steal our equity. Its also well documented. And they have been very aggressive. Hopefully someone will read here and avoid the mistake I've made to trust Equifax to allow me access to see my credit report, which if you are using MyEquifax, it is not what the lenders see. it is a second reporting that does not show what the XXXX XXXX XXXX shows. They have blocked me from getting my XXXX XXXX XXXX and have also prevented us from purchasing their paid and premium reporting, because they don't want us to see that they are not showing our Personal " Dispute Statement '' that we are legally allowed to have posted on our credit report. They like XXXX don't realize that the credit reporting services let you know when that statement has been removed. Why Equifax is so adamant to protect and allow such criminal behavior to take place is beyond us. We were told to keep documenting and we will continue
Consumer complaint received 2022-09-20
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-06
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. (TX)

account/inquires cant be verified and need to be removed from report ACCOUNT ACCOUNT NUMBER AMOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX my XXXX  charged my XXXX  twice for {$3200.00} in error. 
I disputed the extra charge and was credited for the dispute {$3200.00} On XX/XX/2022. I was debited again on the same day {$3200.00}. 
I called to get the debit posted in error reversed. 
My Insurance company received a charge back for the XX/XX/XXXX posting. 
To fix this. XXXX credited my account again and returned the second insurance posting. 
My insurance company got another charge back from XXXX. So I still have a balance with my I insurance company. Which I paid by check. 
On my XXXX statement it shows three Debits for XXXX and two credits. 
XXXX says that they only returned one item to my insurance company. 
XXXX posted a debit to my account in error for {$3200.00}.
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (FL)

The credit bureaus refused to provide you their MOV ( Method of Verification ) for the Credit Card listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My full legal name is XXXX XXXX XXXX. Equifax, XXXX and XXXX incorrectly list my name as XXXX XXXX XXXX. Please help me to correct and restore the accurate spelling of my name on my credit reports generated by Equifax, XXXX and XXXX.
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (MO)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-09-20
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (AL)

Received alert on credit report about collection from credit management about a bill from XXXX XXXX XXXX XXXX XXXX of the debt with a contract signed with by me with signature they only provide a address over the phone past due balance is {$730.00} but balance due is {$1300.00} an that could not be explained.Im requesting proof of this debt is mine with contract or something with my signature on it to validate the & also never had no contract on any with the credit collection company to have a passed due balance showing on my report asking is the information can't be provided the are to delete this off all my credit report immediately!!!
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/XXXX a suspicious inquiry from BARCLAYS BANK DELAWARE XXXX XXXX XXXX, XXXX, DE XXXX was done with my social and personal information. I never used this bank before. When I called the customer representative and security department the company was asking for my personal information right away ( full social, address full name etc. ) Which I did not disclose entirely. Before explaining to them my concerns of fraudulent actions had occurred. They insisted on getting my full social to assist me any futher. After researching the company 's review, they are corroborate in fraudulent activities. I have reported this to the credit beru, and froze my credit accounts. I am concerned that this company does this often to incident victims.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Last month, I have submitted a dispute letter to the Credit Bureaus addressing the removal of the XXXX XXXX account, with account number XXXX. I even tried calling them to make a follow-up on the removal of the said account, and they have advised me to submit all documents to verify my identity and for them to acknowledge that the account was opened without my knowledge. I did follow their advise and submitted the documents needed regardless of enclosing all those documents in my previous letters. They confirmed that the account will be removed but upon checking my credit report today, the same account is still reporting with the same status. Having been doing a lot of follow-ups through letters and calls, I am still not getting the results that I want. Thus, I am seeking again for your assistance to have these 3 Credit Bureaus address my concern effectively. They have neglecting my request intentionally and this is not acceptable. I would love for them to have this account remove immediately.
Consumer complaint received 2022-09-20
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

I was searching for a portable AC unit online using XXXX XXXX options popped up I chose a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when I made the charge using PayPal I press the button for the amount and the charge came out to a different company the XXXX XXXX XXXX XXXX I immediately knew something was wrong with that so I contacted PayPal and filed a complaint about to charge within 20 minutes PayPal did their investigation and said that the purchase was in line with my searches and it was an authorized purchase to check my receipt I don't know how they came to this conclusion because I have no receipt after I made the purchase the company disappeared all I saw was that foundation I mentioned before and I can not get in contact with him at all and I have no receipt for no product I don't know how PayPal come came to their conclusions of the product information they said they say the charge went to a an email address. XXXX so they know that the charge went to this email address instead of i the company and there investigation was flawed or fraudulent because I can find no information on the purchase and they say that it was authorized and if I purchased from this company first and the charge came back to another family this foundation and some God knows where country I think they're investigation which was completed in about 15 minutes or must have been a complete fraud
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I called Equifax to get the product removed off my account and for some reason they had a hard time trying to understand me and they had a hard time with respecting my wishes they made it very difficult and they even asked me questions to verify my identity when I had already done it through the automated system they asked then the questions that they did ask me was not the multiple choice questions that they usually ask they were they were they were right out answers and they said they don't do multiple choices for those questions anymore I thought that was kind of funny and then when I answered the question correctly to they told me that I did not answer the question correctly and they did not approve my request on top of that. Last year I called and had the Fraued put on my account and somehow a XXXX  military fraud alert was put on my account that I did not approve or I've never been in the XXXX  military
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

At this time LEXIS NEXIS HAS not responded to my dispute in regards to LEXIS NEXIs REMOVING MY DATA INFORMATION including from third party credit bureaus, which includes XXXX, XXXX, XXXX. This company has also responded to a different claim other than my own also with a different name. The correct claim number is XXXX, as reflected in the attachment. I have no idea who XXXX XXXX IS, this is not me. My customer number is XXXX. Please respond and remove the data information that was sold to XXXX XXXX and XXXX.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Equifax is in violation of the FCRA. I sent Equifax ( via certified mail ) multiple dispute requests dated XX/XX/22, XX/XX/22, and XX/XX/22. Each of those times Equifax said the results were verified or they modified the file as a result of the investigation. After 3 attempts of disputing and each time coming back verified, I exercised my rights under FCRA 611 ( a ) ( 7 ). I requested a method of verification along with a re-investigation. I stated that any automated response or e-Oscar verification was unacceptable. I listed the accounts in question and sent that request via certified mail on XX/XX/22. FCRA 611 ( a ) ( 7 ) provides A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Equifax did not comply with my request for method of verification. On XX/XX/22 I sent Equifax another letter via certified mail asking them to delete the accounts in question based on their lack of compliance with the method of verification. I asked them to do so within 15 days of receiving that letter. Equifax received that letter on XX/XX/22. As of XX/XX/22 those items remain.
Consumer complaint received 2022-06-26
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (RI)

Credit agencies did not remove item off my credit report that another agency removed. By law XXXX should have reported the deletion of items to other credit agencies. 
XXXX removed items but XXXX  and equifax kept items on my credit report.XXXX  and Equifax did not complete a timely or thorough investigation.