davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
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. (TX)

All of my positive credit history was completely deleted from my credit report. 
Sunday, XX/XX/XXXX, I got a notification from several platforms notifying me that my credit score has dropped drastically, from XXXX to XXXX. I called Equifax, ( on Sunday XX/XX/XXXX ), around XXXXXXXX and spoke with a young lady who stated she was unable to help me with any information. I called back around XXXX and spoke with XXXX. I provided all of the security answers for him and advised him of the change on my report. He was very kind and helpful. He told me that on his side, he was able to see all of my positive accounts such as credit cards and car loans paid on time. He told me there was nothing to worry about and mailed out a copy of my credit report, confirmation XXXX. 
Monday morning, XX/XX/XXXX, I check the Equifax website myself. My score is now showing at XXXX with NO POSITIVE INFORMATION. I called Equifax again at XXXXXXXX and spoke with XXXX . He was kind at first, but was not understanding what i meant. He kept telling me that Equifax and MyEquifax are two different sites and that Equifax can be incorrect. I advised him that i am a paying consumer who demands my accurate information be updated as i have been denied credit due to their lack of consistency. I asked to speak with a XXXX, XXXX hung up on me. 
I called back at XXXXXXXX and was transferred to a manager, XXXX XXXX Employee ID XXXX. He proceeded to ask me security questions. I reported to him everything that was possible to be on my report, but he refused to give me access to my information. I have gone through this security test EACH time I've called. The one time I get through to a person that should be able to provide me with the assistance I am requesting, then all of a sudden, my answers are incorrect. This is a poor excuse of management and a legitimate business. I find it funny how all of my positive accounts have been removed, yet, there are remaining negative accounts. I also mailed out a final letter validation letter including my proof records from XXXX and XXXX to them. It was signed and received by Equifax on XX/XX/XXXX. No explanation of why all of my positive accounts were removed. How is this possible? They refuse to correct my credit report even though it is clearly their negligence. The irresponsible, inaccurate, and defamatory reporting of PAYING consumers ' personal credit information is illegal and i will seek public justice and compensation if this is not corrected immediately. This is absolutely unacceptable. 

I am requesting all of my positive credit history/current accounts be placed back on my credit report immediately.
Consumer complaint received 2020-06-27
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)

They are continuously reporting fraudulant accounts on my credit report and I'm about tired of it this was reported to my local police station and according to FTC should be blocked from showing on my credit profile because this doesn't belong to me
Consumer complaint received 2020-01-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RGS Financial, Inc. (MS)

i called XXXX XXXX  XXXX they came out turn it on it only worked one week i called they said i already used it for the month so for half no internet the same way the next month. they told me when i got their service i had to get business account because that person would not work but now they have collection on my credit report for XXXX collection name is RGS FINANCIAL COLLECTION IS ON ALL THREE CREDIT REPORTS.
Consumer complaint received 2019-10-22
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. (NY)

I did not authorize these inquiries to my credit report XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-26
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. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2023-01-09
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. (IL)

My name is XXXX XXXX XXXX. I'm summiting this complaint because I've been targeted for Identity theft. My Non public personal information has be compromised through data furnishing and sharing of my personal information. This information was shared without my written consent. According to the Gramm Leach Bliley act my personal information should be safeguarded with the financial institution I'm doing business with, and not to be shared with any other third party financial institution. In regard to not receiving full discloser and having my consumer rights completely violated. I would like this matter resolved as soon as possible in accordance with 15 U.S. Code 1681C-2. I demand these accounts be removed from my credit report with in XXXX business days. 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 2020-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (IN)

order placed with XXXXXXXX on XX/XX/2020. Merchandise was never received. contacted XXXX via chat XX/XX/2020 and advised Merchandise was never delivered nor signed for as stated adult signature REQUIRED. XXXX chat agent told me the driver just left it at my front door. I advised them nothing was left at my door as I have security cameras. then they advised me maybe it was misdelivered to a neighbor etc. and to check with them I declined. as that is not my responsibility and for my safety, I do not associate with any of my neighbors we do not get along. the agent said she completely understands that and asked if I would like a replacement or refund. I said a refund. they advised me they have issued me a full refund for the order. after not receiving a refund show up by XX/XX/2020 I decided to dispute the transaction with my financial institution ( Axos Bank ) Axos Advised me by email on XX/XX/2020 I will get a provisional credit for the full amount of the transaction and have use of the funds until the outcome of the investigation. within 1.5 hours of that email, I receive a second email stating they have concluded the investigation and the claim is being denied as they have found no error has occurred. I then miss a call from AxosBank within an hour of that email. I call them back and ask what is going on with the Account and transaction as I have noticed I am unable to login to online banking. I was advised by " XXXX '' that it is temporary and only will be for a few hours while they work on the disputed charge. witch sounded very sketcky with me but I said alright. However i told her the email i got said the case is close and has been denied. I requested a manager/supervisor to esclatete this case. nobody followed up with me I then sent them a email for request of the documents and how they concluded no error has occured. I got a call from axos and was advised there is no documents he called XXXX and somebody by the name of XXXX told him there is no error with the order. the product was delieverd to my house. the claim is denied. I asked for proof of any of this none was and will not be provided to me. he then told me they wiont have any documents unless they submit the chargeback to XXXX and they will not be doing that. he advised me I need to contact XXXX to correct the problem. They also at that same time ended the banking relationship with me. I have then contacted XXXX AGAIN via chat support. on XX/XX/2020 a XXXX XXXX told me XXXX did process the refund and I will be recieving it before XX/XX/2020 I am unable to verify the validity of this as AxosBank has restricted my online account access and is ignoring my requests to assist me.
Consumer complaint received 2018-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I filed a dispute with Equifax on XX/XX/XXXX, was emailed to say the results were complete and available to view online. Attempted to view results and was unable to do so. I called the company requesting a copy be sent to my residence. I was told it would arrive in 7-10 days. I didn't receive it. I called them again after the 10th business day and told them I haven't received it. I requested a second copy and the same thing happened. I called again and stated that this is an issue with me receiving this document if there's is something else that can be done. They said no and I'm out of luck. I need the document for proof of my records and they refuse to provide it.
Consumer complaint received 2018-02-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX, and I need your help with one of my accounts that is not reporting on two of the credit  reporting agencies. I have attached the payment history showing my mortgage history and that I'm still paying on it. I have asked the bureaus to contact XXXX so that it can report but I don't know where the problem is. I was able to get the payment history directly for which I attached so I don't know why they aren't reporting. I know that XXXX does report to the bureaus. I just really need them to add this to my report at least for the last 2 years payments. Any help your company can provided would be greatly appreciated.
Consumer complaint received 2020-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (IL)

On XX/XX/2020 I received a bill from Choice Recovery , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX claiming that i had a past due debt of {$75.00} from XXXX XXXX XXXX. I called Dr XXXX to ask him about the alleged debt because I had never received a bill from him and there was no record of XXXX or XXXX processing any claim for services rendered. He referred me to his billing person who confirmed that I did not owe them any money. He also said that the doctor did not have a relationship with Choice Recovery , Inc . I wrote a letter to Choice Recovery on XX/XX/2020 disputing the bill under the Fair Debt Collection Practices Act. On XX/XX/2020 I received three letters from Choice Recovery claiming falsely that they had verified my debt with the doctor. I again called the doctor 's billing department who told me that this was false, that they had no relationship with Choice Recovery. So the second attempt to collect this debt can only be a scam in my opinion.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I was phished by someone fraudulently saying they were from Wells Fargo ( the bank I was using at the time ) and that I needed to transfer money from my account through XXXX to them. They claimed that there had been unauthorized charges to my account. They walked me through steps that allowed them to open a XXXX account in my name. I transferred {$1400.00} to an unknown person. Once the transaction was complete the phone went dead. I tried calling back but the number was disconnected. When I explained what happened to Wells Fargo I was told that a fraud case would be opened and the matter would be looked into. After 10 days they informed me that they will not be crediting the money back into my account.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

The problem is with Equifax and I have tried to contact them for almost two years to correct information and unfortunately I have no success with this company. Recently, on XX/XX/XXXX, they asked me for documents, letters and ect. to verify my identity I sent them again for two previous years sending them to try to solve this problem and even having the documents they requested letters and the. correct information speaking with the correct representatives with supervisors they still tell me that I have to wait and keep waiting to update my information and to have access to my credit information something that seems impossible to me and with a lot of disrespect they simply tell you you have to wait. How much time should I wait to see my information? My credit report is my right. Something is being violated. Please, I need help. I need to use my credit. This is affecting my life and my chances of growing and my job.
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

COMPLAINT # XXXX PLEASE ADD THIS TO MY INITIAL COMPLAINT! 

I just looked at my complaint and there are several mistakes. 
You put down the wrong address! 

I called yesterday to respond to your email that you needed additional information. The woman I spoke with did not pay attention. She was trying to start an initial complaint. I gave her my complaint number but she kept talking. I will try to reach you on Monday XXXXXXXX to straighten out this mess.
Consumer complaint received 2021-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MEI AUTO FINANCE INC (TX)

On XX/XX/XXXX at XXXX XXXX  Central time I called to make a {$130.00} payment on a card so that I could then make another payment on a different card for {$140.00} tho make it a total of {$270.00} that I wanted to pay. My balance is {$900.00}, due to the pandemic and my fiance losing her job. On top of that for some reason their payment system never accepts my debit card which is a visa. On this particular call I was transferred to a gentleman who said hes name was XXXX and that he was the account recovery specialist and he would be not only not able to accept that amount but that I need to give him His car back or that he would call the police to my house and say I was withholding there vehicle illegally. Which is whats called filing a XXXX report on someone, because I have been a loyal and faithful customer. Not only have I already paid over half the balance on this vehicle which was purchased for {$22000.00} for a XXXX XXXX XXXX, thats robbery just the price alone. Ive already paid a total of {$15000.00} as of XX/XX/XXXX, and now during a pandemic and all the other issues I have been having with there payments system. Something is not ethical about the business their conducting. Every time I make a payment and I asked for a receipt I get an email with no link?? Im not sure the exact amount of anything because theyre payment email receipts do not display anything. I have complained and begged them 2 resolve that issue to no avail.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMERICOLLECT INC. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

these companies reported me late and I wasnt late. I was sick with XXXX. I called them I need them to honor please and update to never late XXXX - XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$190.00} 2 of 2 XXXX  - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$50.00}
Consumer complaint received 2018-02-11
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. (PA)

Stolen identity credit card open in my name on XX/XX/XXXX15 XXXX XXXX XXXX XXXX XXXX Amount XXXX Attached is a copy of police report
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

I closed on a home I owned in Ohio on XX/XX/20. The day of my closing I was told by XXXX XXXX that a wire was being sent to my bank to payoff my mortgage and deposit the proceeds of the sale of my property to my checking account. I received a payoff letter from Chase on XX/XX/XXXX and had it sent to the XXXX XXXX XXXX. I was told not to make any more mortgage payments because I was scheduled to close on XX/XX/20. The day of closing my mortgage was not paid even though the buyer was given keys to my home and had moved in and started remodeling before I received a dime for payoff of my mortgage. My mortgage remained unpaid until XX/XX/XXXX because the weekend passed before I was told that the funds from the buyers loan was sent to the wrong Title Company. HOW?? When they finally wired the funds it was now XX/XX/20. My complaint is against the following parties XXXX XXXX , XXXX XXXX ( OH ), XXXX XXXX (  OH ), XXXX, XXXX, Chase and all parties who were responsible for the delay of my mortgage payoff and then the subsequent reduction in my credit scores. Over {$200000.00} of mortgage and revolving debit was paid and my score was decreased instead of increased. On XX/XX/XXXX my credit score dropped by 87 points from XXXX to XXXX with XXXX  and I learned today that my credit score dropped 93 points with XXXX   from XXXX to XXXX. Now I want to know how someone who's never been late before on any bills can now have my credit score crushed after paying off a mortgage and paying down revolving debit by approx. {$14000.00}. This is even in light of the pandemic we are now going through. I should be congratulated rather than penalized.
Consumer complaint received 2021-01-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ERC (TN)

I contacted the collection agency ERC to ensure that the information would not be on my credit report if my payment would be made by ned of the month. The payment was made on XX/XX/2021 and I was ensured by the agency representative that as long as I made the payment by the end of the month that it would not be reported to the credit bureaus. AS of today, the information is on my credit report and it should not be on my credit report.