davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

XXXX XXXX assured me on XXXX/XXXX/2015, and various other times that a request to delete the collection on my credit report was sent on XXXX/XXXX/15. I was advised to initiate disputes with the credit reporting agencies, which I did. I received a letter today from Equifax stating that the collection item was verified on XXXX/XXXX/2015, and the collection still remains on my credit report. I called XXXX XXXX again, XXXX XXXX ID : XXXX, advised me to call all three agencies to alert them that the deletion request had been sent on XXXX/XXXX/15 through XXXX, and that they could personally call him at him extension to verify the info. I did as he instructed, yet each of the credit bureaus assured me that they had not received the request. Each instructed me to do different things, Equifax instructed me to alert XXXX XXXX that they need to contact their business office ; XXXX assured me that they will contact XXXX XXXX to verify the request for deletion ; XXXX initiated a dispute that would take up to 30 days, saying that the only way to expedite the investigation would be to get XXXX XXXX to issue me a letter stating that the request was sent in for the deletion of the collection ( a letter that I previously requested from XXXX XXXX when I called XX/XX/XXXX ). I spoke to XXXX XXXX at XXXX XXXX, and XXXX XXXX ( XXXX supervisors who I discussed my account with previously ). XXXX stated that XXXX had been preparing a new deletion request to be sent through XXXX today. XXXX, however, did not mention that fact to me, but offered to send me a letter stating that a request for deletion was indeed sent. 
When I initially received a call from XXXX XXXX, I alerted them that I had made a partial payment to the energy company, and agreed to pay the balance in full that same day. They were supposed to debit my checking account for the balance, once they confirmed my partial payment with the energy company. I was assured that the collection activity will not be reported or appear on my credit report because I was paying off the amount within 30 days of them receiving the account. Because I authorized an amount that was {$.00} more than I owed, XXXX XXXX did not debit my account, nor did anyone call me to alert me of the problem. They sent the collection to the credit bureaus, then called me to get authorization to debit the lessor amount from my checking account. This collection has lowered my credit score by almost XXXX points, and it 's affecting my ability to get an approval to close on the purchase of my new home in a week. I 've been getting misleading information from every party involved, yet the collection remains on my account.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

This public record has been sitting on my report for years now. 
I filed a complaint with the City of XXXX, sent them documentation of my address etc, and they promptly removed the lien. The lien was removed because it was in fact AN ERROR, it never should have been placed on my report. At this point however a third party already sent these details to the credit bureaus. 
I 've since disputed the information with each bureau, XXXX & XXXX promptly removed it after properly reviewing the case. However, Equifax still continues to report this. Their response to my complaint was to simply contact the court who listed the information. The courts verified it was listed and removed, and the dates it was listed and removed. My complaint and my dispute was never whether I was the person in question - it was the fact that the lien was improperly filed and should not be listed on my report as a valid record. The original party who filed this is the XXXX County Recorder of Deeds, NOT the court where it was filed. This needs to be removed immediately. If Equifax inted to investigate, they must contact the ORIGINAL furnisher of the information, not a third party ( i.e. the court ). I have called Equifax several times and requested to be contacted by a manager or someone in authority to handle this, and each time I am then put on hold where all I hear for hours is hold music.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all three credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I had my home inspected XX/XX/XXXX and everything was fine. I signed up with XXXX XXXX XXXX firm in order to manage my property at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, from XX/XX/XXXX - XX/XX/XXXX. The firm found a renter for my property beginning XX/XX/XXXX. From XX/XX/XXXX - XX/XX/XXXX the tenant racked up approximately {$4000.00} in maintenance repairs. I continually complained to XXXX XXXX and after speaking with the broker he decided to terminate our relationship because I informed him that I may have to contact the State Attorney General 's Office. Several things were not done, and the broker stated that I should be happy to have them take care of my home even though I paid XXXX money to complete repairs before the renter 's moved in. In addition, it was against the contract for renters to work on anything in my property. I was unable to switch to a new management firm until the sewer line was replaced. XXXX quoted me a total of {$4200.00} and I used the same contractor but was charged {$3400.00}. Currently, I have XXXX 's quote and my quote from the plumbing company in writing. I fixed the line after leaving XXXX XXXX XXXX and began working with XXXX XXXX. XXXX did not contact me regarding any bills from that point forward. XXXX XXXX billing office released all funds ( Security Deposits ) to the new management firm, so why did they place a statement on my credit report stating that I did not pay something. I do not disburse funds, they do! XXXX has my address because I do not live in XXXX, GA, and every billing statement has my P.O. Box address on it. XXXX XXXX can not use the excuse that they sent the bill to the renter 's address when they know I do not live at this address. I want this negative charge off removed from my credit report. The home is co-owned and another letter will be submitted for my mother XXXX XXXX regarding her credit report and the negative statement that XXXX has wrongly placed on our reports.
Consumer complaint received 2016-09-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

All of the credit inquiries were made on the same day through a company that was searching for the best rate. I found information regarding credit reports that stated that inquiries made within two weeks are considered XXXX inquiry and these inquiries were actually made the same day. I ask that these items be removed or be reported as XXXX entry on my credit report.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (ID)

I have called numerous times, and sent a letter to XXXX, some company named XXXX XXXX XXXX, and XXXX, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XX/XX/XXXX to each institution, I received a response letter from the XXXX of the Comptroller of the Currency dated XXXX XXXX, 2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past XXXX years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I disputed a collection with Equifax. The collection is a medical debt that ( 1 ) my insurance company has processed and authorized payment, ( 2 ) my insurance company has instructed me that under my contract I may not pay a collector, ( 3 ) is delayed because the state of Illinois has not established a budget and authorized a payments ( even though I have paid {$1400.00} for coverage every month ). The resolution was not in my favor, did not allow me to leave a statement to accompany the item, and ( most importantly ) gave me no explanation as to the basis for their conclusions ( which prevents me from adequately defending myself and protecting my credit score. ) I have dialed several customer service numbers, and get automated responses. In addition, to enter the dispute I was forced to agree to their terms that required me to agree to electronic communication only. I want to speak to a person at Equifax. If they are going to sell my information, I should have the right to speak to a person and get an explanation. My credit score was XXXX and has dropped under XXXX as a result of this collection on my credit report, resulting in significant economic loss to me. Equifax has made fairly resolving this dispute timely, difficult and confusing. I hope that the CFPB can help me clarify my rights, Equifax 's responsiblities and use this case and others like it to improve the laws to protect people from these barriers to fair treatment created by large companies in the financial industry.
Consumer complaint received 2017-02-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (SC)

I opened a checking account at BB & T in XXXX SC in XXXX. The terms of the account were no maintenance fees and I would receive paper bank statements. Within a short time ( about 4 months ) the bank changed the terms so that to avoid a maintenance fee I could not receive paper statements. So I continued with electronic statements only. In XXXX XXXX and XXXX XXXX the bank withdrew from my account a maintenance fee of {$12.00} per month. I called customer service and reported that I had an account that was not subject to a maintenance fee. The csr told me that the account I had was no longer available and so I changed to another account which did not have a fee as long as I had a personal mortgage account with the bank. I have XXXX personal mortgage accounts which originated in XXXX. The bank did not refund the {$12.00} for two months in XXXX. Then in XXXX XXXX the bank again charged a maintenance fee of {$10.00} per month. I called customer service and the csr refunded the fee. She said that the bank had decided not to waive the fee for mortgage holders effective sometime in XXXX and that I would receive written notice of that effect. The bank again deducted a maintenance fee of {$10.00} each month in XXXX XXXX and in XXXX XXXX. After each deduction I called customer service, and after spending about an hour each time the csr refunded the fee. In XXXX the csr that I talked with told me that the bank had a limit of {$35.00} that could be refunded in a year. After that conversation I received a voice mail from a bank csr stating that the bank had sent me a notice in XXXX XXXX that the mortgages would not longer be accepted as an exemption from a maintenance fee on my checking account after XXXX XXXX, XXXX. I have never received any notice from the bank indicating that the terms of my checking account had changed or that my checking account had been discontinued. The bank does not send notices to me in the mail. It posts notices online to my accounts, but never any changes to my checking account. I believe the bank is guilty of fraudulent practices designed to entice customers to open checking accounts there with terms that are quickly changed in order to extract maintenance fees. I have statements for my account ending in XXXX, but they contain the full account number so I am not attaching them.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Genesis Lending (TX)

-  XXXX   XXXX ,  XXXX  : Received a notice from the IRS saying that my  XXXX   XXXX   XXXX   c/o  Genesis Lendin g Services loan of  {$4000.00} was being recorded in my  XXXX  tax return as a cancellation of debt. I then owed the IRS {$3400.00} ( {$110.00} of that is interest ) - After many complaints to the IRS about the invalidity of this debt, they made me go on a payment plan or threatened to have my wages garnished. So now I am paying {$100.00} per month to resolve this debt with the IRS. But do not feel that this debt is valid. So now after I, hopefully, get this resolved, I will need to work on getting a refund from the IRS.     - I never signed a loan with Genesis Lendi ng Services, that I can remember. I have since created an account with www.studentloans.gov to see if I could find my Master Promissory Note, an d it 's not registered in the system. I then called  XXXX  University to see if I could get a copy of the MPN, and they said that the campus I attended closed and they do not have access to those records yet.
Consumer complaint received 2020-04-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (OH)

Company contacted me and will not provide their company name or address. Told me they had an account with overdraft fees that was closed in 2010 and that they were going to turn me into XXXX and get a judgment for a deters examination. I have call recordings as well. I even asked if they were insinuating that they either had or would get judgement against me and they said yes. I informed them the debt is to old and again for their contact information so my lawyer could send them a formal response to their collection. They were unwilling to provide any documentation of the alleged debt.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (DC)

Equifax, and only Equifax, not XXXX and not XXXX filed an collection item on my credit report that ( i ) belonged to someone with the same first name but a different last name, XXXX ii XXXX belonged to someone on a state in which I have never lived and XXXX iii ) did not have a correlating social security number. In addition, they added that person 's name and address to my credit. I received notice of this from a credit monitoring service I use. This item caused my credit score to fall from XXXX to XXXX with Equifax and from XXXX to XXXX with FICO. 

I contacted the creditor, confirmed that they did not provide a social security number to the credit reporting agency and notified them of the error. I also filed a dispute with Equifax and a notice with XXXX and XXXX of the false information Equifax was reporting and the issue. Equifax investigated and removed the false name, address and and item from my credit report. HOWEVER, they failed to restore my credit score to what it had been prior to their error. 

I sent a letter requesting that they restore my credit score. They did not. 

I then called them in an effort to address the issue. This was an extremely frustrating experience in which the agent just stated the same thing over and over and failed to address my issues or concerns. They made me pay and wait two weeks to find out via mail what they restored my score to. I just received the information via mail, which confirmed that they had NOT restored my credit score to the proper number. My credit score should be XXXX, not XXXX as stated on the report I was forced to pay for. 

I think that Equifax operates in a manner that is unethical and, essentially, a racket against consumers in this respect by ( i ) allowing unsupported, unsubstantiated and clearly erroneous negative information to be filed on the incorrect person 's credit report and XXXX ii ) requiring the victim of this to then either pay them for their credit score or pay to join their program in order for the victim to confirm that they have been fully restored and made whole. I would like my credit score restored to what it was prior to Equifax 's erroneous actions.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

There are XXXX negative items on my credit report of a Foreclosure and a Bankruptcy. The foreclosure was never foreclosed on and probably never will because I believe it is Fraudulent. I am consulting with attorneys to start a Damage Claim Lawsuit because of this. The bankruptcy was a result of the foreclosure. Both of these items have caused me a great deal of Damage by being on my Credit Report.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I have been disputing an account that is reporting on my credit reports that are due to identity theft. There is a XXXX XXXX account that was opened up in my name frauduantly. I have disputed this time and time again. Finally XXXX has confirmed it was identity theft and was told they are removing it from my credit report. However I just received an e-mail result from equifax stating there investigation shows that this account belongs to me. I am furious that this is still continuing and it is affecting my credit score and me in obtaining credit. I have called XXXX XXXX thousands of times requesting how I go about reporting this fraud account? I was told I need to fill out a form. ( I requested that form to be sent to me and never received it ). I am about to spend the money to obtain an attorney to sue XXXX XXXX as they keep reporting this fraudulant account on my credit report. This is beyond ridiciulous and I am going to be taking further action because it is affecting my credit. I am being held responsible for something I DID NOT DO. I am submitting this complaint in hopes that this gets cleared up and rectified.
Consumer complaint received 2015-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX ( Collection Agency ) continues to report that I open and account with XXXX XXXX XXXX XXXX and claims that I owe {$1100.00}. I never open account with XXXX XXXX XXXX XXXX. I have dispute item with Equifax several times and requested that Equifax obtain documents from XXXX showing that I had or requested services from XXXX XXXX XXXX XXXX such as a signed installation order
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

On XXXX XXXX. 2016 I received a letter to XXXX credit regarding several inquiries on my Equifax credit report. I had sent them a letter disputing these inquiries. The letter to stated that I should dispute these directly with Equifax. I did dispute these along with many others which I did not authorize. On XXXX XXXX, 2016 I received a letter from Equifax stating I should dispute these with XXXX. I sent Equifax a copy of the letter I received from XXXX credit. I am not sure why they refused to investigate thesee inquiries, the letter said these were a matter of record and I should dispute these with XXXX credit. I sent a copy of the original XXXX response letter and a copy of the letter I received from Equifax to XXXX again. Once again I have received a letter from XXXX stating that these should be disputed via Equifax. This cycle is kind of like a puppy chasing its tail. Equifax is making it impossible to dispute the inquiries I sent in letter for. I believe the only way to get them to do their jobs it to file a complaint. I want Equifax to finally dispute the inquiries I sent them letters for.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AL)

I keep getting turned down and have been told to get my credit report for free and to check my score. Well I should n't have to pay for this if I 've been turned down. Please help me. This is so unfair. I have scores with my XXXX and my XXXX XXXX tracking and I do have an average score but none are showing when I 'm applying for a simple collateral loan of {$2000.00}.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I have submitted several disputes for inaccuracies on my report. As of today, Neither Equifax nor the collection agency have provided me with any documentation as requested to validate the debt. I filed a previous complaint about the collection agency who admits to not have responded timely after receiving my dispute. They claimed to have flagged it as disputed but yet I have credit reports that are attached and show otherwise.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NY)

I do not have any negative information on my credit report. My credit accounts are paid before the due date. My credit score was XXXX but in the past few weeks ALL XXXX report my score as XXXX. I asked them why but they never answered me back. I need to know why this is taking place.
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

We settled a dispute with a local hospital on XXXX XXXX, 2013. 
By reaching the settlement, we agreed to withdraw our legal complaints against the hospital, and the hospital agreed to accept an amount smaller than originally billed. 
It was stated in the settlement letter that by offering and accepting the settlement, both parties agree to release each other of any and all claims related to this account. 
The issue is, with this settlement, we have withdrawn our claims against the hospital, yet, they still have a negative statement on our credit report? Why? 
If the law allows them to continue to post this adverse statement on our credit report, even with this settlement, then at least, they can include a more clear statement in the Status section, such as, " Account settled on XXXX XXXX, 2013. Both parties agree to release each other from all claims relating to this account ''. 
This statement is more representative of the true status of this account, instead of the current description in our credit report, which carries the connotation that somehow, we still owe them money.
Consumer complaint received 2021-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (NY)

I am writing today in regards to my account with Loan Depot account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.