WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax 's processes and policies are inefficient and biased due to the confusing and misinformation that they provide. Bankruptcy information should be reported once as a court account not individually as credit accounts. This is misleading and shows multiple negative accounts under Credit Accounts. No other reporting agency reports this way, which explains the dramatic difference in my credit rating with Equifax , over XXXX point difference. This illegal practice is given further power because Equifax fails to provide any differentiation on their reports between " Negative '' and " Positive '' accounts. Equifax , who primarily services the southern states, policies, procedures, reporting and therefore scores are far different from and more erroneous than the other XXXX major bureaus, and I feel are down right criminal in nature. I 've reported this agency more than once, and I 'm sure there are millions of other Americans as well. Please do something definitive to help with correcting the wrongs of this agency. I suggest termination.
I hired a law firm named XXXX XXXX XXXX to help me take care of it and unfortunately they did not do anything for me I spent a XXXX dollars a month for 5 months and nothing was resolved along with they do not have a signed physical copy of the agreement made by me
Equifax is reporting a collection on my credit report in the amount of  XXXX  dollars with  XXXX   XXXX . This dropped my score over  XXXX  points. It is making impossible for me to get new credit. Its unfair that Equifax is singling me out and not abiding by the New York Attorney General settlement. I was never notified of this collection. A  XXXX  dollar balance? Why would i not pay that. I refuse to pay a collection company money i do not owe. When i talk to my medical provider i do n't owe them a dime.  <P/>   Medical colle ctions  are notoriously inaccurate.  Information  is bought and sold numerous times. I 've also never been contacted by this company. How can you report something on my credit report that is not mine?  <P/> Finally, Equifax should be more consumer friendly. More understanding to how their false reporting affects consumers.  XXXX  dollars? Why would n't you just remove this instead of having to deal with a complaint or better yet a lawsuit where they will be paying me thousands of dollars.  <P/> Equifax should be investigated for their inaccurate reporting.
I am contacting the CFPB to report an Issue I am having with XXXX. Last XX/XX/2018 I faxed XXXX consumer credit specialist department A letter, reporting fraud and requesting that the fraud account XXXX be removed. Attached to the letter was a copy of my FTC ID theft report and police report. All these documents were faxed to XXXX XXXX  CCS department. I called XXXX last XX/XX/XXXX and confirmed that I sent my documents to the correct number but rep says they did not receive them. I would like to report this violation of XXXX. They blatantly violated FCRA 605B.  Attached to this complaint is a copy of the document sent to XXXX.
Applied for a refinance. I was told the interest would be 3.09 %. Loan amount {$150000.00} 15 year on a home worth {$500000.00}. Also have XXXX in excess of {$250000.00}, {$20000.00} in savings account and {$6000.00} in checking account, credit score if XXXX. 
Loan criteria became more and more difficult. Finally they offered me a 30 year {$130000.00} loan at 4.00 % interest. They have frozen my accounts and it is impossible to get ahold of XXXX the closing company. 
Quicken loan officer : XXXX XXXX ( XXXX ) XXXX ext. XXXX XXXXXXXXXXXX. 
XXXX # : XXXX XXXX # : XXXX Respectfully XXXX XXXX XXXX XXXX XXXXXXXXXXXX
1. I obtained my home mortgage in XXXX. OCWEN is the third holder of the mortgage but the first and only to contact me repeatedly with various demands since they took over the mortgage in XXXX. 
2. OCWEN asked for and I sent them a copy of my SSN and XXXX. I had to send it to them about 5 times total by mail, fax and email because they kept calling me non-stop including Sundays despite assurances otherwise claiming not to have received them. 
3. In late XXXX, OCWEN asked for my evidence of insurance. Although, I had never been asked for this evidence by any of the prior mortgage holders, I dutifully sourced it from my HOA and uploaded it to their designated website. This month OCWEN has come back to say that my insurance does not include " Betterments and Improvements '' coverage and as a consequence they have purchased the XXXX coverage for me at {$630.00}. 
4. In XXXX XXXX, OCWEN notified me of increase in my interest rate from 7.125 % to 7.500 %, hence my monthly mortgage from {$710.00} to {$730.00}. 

I believe that OCWEN is incompetent and fraudulent based on the preponderance of similar complaints against them online. I seek your protection from OCWEN.
These inquiries below I didnt authorize. More than 35 of them were deleted in XXXX and was readded. i have attached proof. 


Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Auto Fi Inquiry from XX/XX/XXXX All Banks Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX   XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX Miscellaneous XXXX   Agencies XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Innovative XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies
i was trying to buy an XXXX card in XXXX and got the scammed cause the buyer sent me fake codes that didnt work / were already used
My parents opened an IRA with Wells Fargo for me for the tax year XX/XX/XXXX in XXXX. It was opened with my Social Security # but since I was in college at the time, moving frequently, my parents had the statements mailed to their house. A few years later my parents moved to XXXX and continued to have the statements mailed to them. A few months ago I was looking through documents my parents had given me years ago and found a statement from XX/XX/XXXX and wondered what the value of it was. I called Wells Fargo - they have no record of that account number and know nothing about it. I 've called their general XXXX # ; their South Dakota headquarters, several depts and even the branch in XXXX, XXXX where it was opened. Wells suggests that because there was no activity ( e.g. contributions ) on the account that they would have sent a notice asking for contact from the customer and if they did n't receive a reply they would have escheated it to the state where it was first opened. They also note that since it 's been more than 7 years they are not required to keep records and is why they are n't able to find the account number or any activity on it. 
I have called the XXXX State Treasury 's Unclaimed Property - they do not have any record of it. The XXXX State Treasury indicates that they believe that unclaimed property will follow the individual 's Social Security # and since I now live in XXXX, WA it may be here. I called the WA State Treasury. Their unclaimed property dept has no record of it. WA State Treasury believes that unclaimed property would have been sent to the state that the bank last had record of for the customer. In this case that would be XXXX. I called the XXXX State Treasury, and again - they have no record of it either. 
My mother is meticulous about keeping records - she does not ever recall receiving a notification from Wells Fargo that there was no activity on the account and it was going to be escheated. Both my parents and myself had assumed that an IRA is not something that needed to be kept " active '' - we were under the assumption that it is a retirement account, meant to be left alone until ready to draw on the funds in retirement. I am far from retirement. Your help with this matter is greatly appreciated.
My XXXX and I were interested in obtaining a Home Equity Line of credit to make XXXX on our home. The lender told us there would be a 'drive by ' appraisal to assess the value of our home. The XXXX called me directly and asked me how much I paid for my house. I told him, thinking this was normal for this process. He assessed the property for {$30000.00} less than what it was assessed only XXXX XXXX years ago. The lender then informed me that we would have to pay off our original loan by a certain amount ( through the use of the HELOC ) in order for us to progress. I knew enough to not move forward with this, due to the fact that it was an adjustable rate and my existing home loan has a very low APR. I just want to be sure no one else falls victim to this scenario.
I 'm not sure if this is the most appropriate agency to contact regarding my complaint. I did pay for the service/repair of my car with a credit card. I took my XXXX Nissan Frontier to Dennis Dillon Nissan in XXXX for repair on XXXX/XXXX/2013. This is an authorized Nissan dealer in XXXX and I was told that they only utilize Nissan parts on repairs/replacements as shown on the Estimate. I agree for them to repair my car after I understood they would use Nissan parts. I found out later after receiving my car that some parts did not look new and I reached out to the dealer only to be told that parts used were aftermarket because the Nissan parts were not available. However, at no time during the repair process I was informed that the parts were not available and aftermarket parts were going to be used instead. furthermore, on XXXX/XXXX/2013 I paid an invoice showing the agreed parts on the estimate and I was not told that different parts were used as noticed on the invoice itself. 
I made multiple attempts to reach a resolution with Dennis Dillon. I requested proof of where the parts came from and I was given a " parts shipment list '' which after investigation, I found that those parts were for multiple vehicles and none were actually for my car. I looked up every single part number at Nissan.com. 
I spent about XXXX months trying to resolve the problem with Dennis Dillon. I noticed that the aftermarket parts started to show corrosion a couple of months after they were installed and I tried to get dealer to honor the lifetime warranty that he mentioned on a XXXX/XXXX/2013 email. Dealer refused to honor the warranty. I also discussed with dealer getting a refund for matching the price with the lower cost aftermarket parts that they had used but they refused. Dealer eventually stopped all contacts. 
I tried to hire a private Attorney but Idaho is a very conservative State and most of them represent the insurance/defense. I did talk to a couple who believed that the amount paid for the parts was n't large enough for them to take the case. 
I 've been taking my car to another Nissan dealer for maintenance and I 've found out that some parts that were supposed to be replaced are not on my car at all. for example, the front Grill was coming loose on one side and I was told today that there were seven clips that were not installed during repairs by Dennis Dillon. In addition, I was also told that they did n't do a proper job because the repaired side had been bolted rather than welded and as result it looks uneven on that side. 
I 'm not sure if the FTC or other agency protects consumers from predatory/fraudulent practices but here is Dennis Dillon Address/contact information : Dennis DillonXXXX XXXX XXXX XXXX, ID XXXXPlease let me know if you can help me. I already tried hiring a private Attorney but not many in this area represent the people. 
Sincerely, XXXX XXXX
American Express has already received an identity theft report from me concerning this fraudulent credit card that was opened in my name, and the representatives have been very rude and unhelpful.
The services youve provided is unprofessional. Time and time again Ive attempted to resolve the issue of your company ignoring my certified letters, hanging up the phone done by your supervisors, ignoring my rights as a consumer. I have mailed off previous cretified letters to find out that they were loss and this is the third and final letter.
I fell behind on my mortgage several times throughout the years. I have submitted several applications for a modification before being told that the investor/owner of my loan did not allow them. Since then, I have been encouraged for several years to apply for a loan modification by my mortgage servicer, Ocwen. I explained to them that they continue to send me the applications and encourage me to apply, when they told me that my investor did not allow them. I later contacted the investor to be told that they did not make such a decision as it related to my loan, however, they refused to get involved when asked to contact the servicer. They did send me a letter. I contacted Ocwen several times over, demanding that they check my note to see if the investor/owner permitted modifications at the present time. They again told me that modifications were not allowed. I applied again last week and was denied the HAMP Tier 1, HAMP Tier 2, Shared Appreciation Modification and Proprietary Modification programs. My non-approval notice read " Unfortunately, the owner of your loan does not allow loan modifications. Please note, not all eligibility factors were evaluated ''. They also ran my credit report when they " knew '' I did not qualify. In the meantime, I checked my original mortgage note to find where it read " modifications are allowed ''. I can not believe how deceitful and manipulative these servicers are. Please, grant me the modification that I qualify for! To add insult to injury, I attempted to compare my original note with what Ocwen recorded as my note, it shows an entirely different note. The property recorded does n't belong to me, I have never held the account number listed with any of the many servicers that I 've had and my signature is not listed on the note. Someone else signed their note and Ocwen has it recorded in my case file. This raises questions as to what note they 're actually reading and if this is some sort of rip-off or scam? I also question Ocwen 's contract with my investor/owners, XXXX?
I checked my bank account remotely on XX/XX/2018 and immediately reported 8 fraudulent charges to my account, and closed the card. I have no XXXX  account and no relationship to the Fl Tag Go Renew DMV in Florida. One can observe two other non fraudulent charges that bracket these other charges, both occurring in Pennsylvania and being legitimately my purchases. On XX/XX/2018, I went into a TD Bank and filed a dispute, surrendering my debit card. On XX/XX/2018, I received a letter saying they denied my fraud claim dipute. I was under the impression that there are consumer protections, especially given that I reported the fraud almost immediately ( the same day ) and still had possession of my debit card. The bank representatives continue to tell me that because the merchant could verify the XXXX code and zipcode, that they have deemed the charges to have been mine. If the suspect stole this information online, of course they would also have all of this " verifying '' information.
I was being stalked by the finance Mgr., I would not agree to go out, so he made my life a living XXXX! I returned my car because it was a lemon. 
It has been close to 8 years, and mark one is still reporting every month as if i have a recent repo? it was n't a repo, it was a voluntary surrender. 
MARK ONE is a big RIP OFF!!!
Received 90 Demand letter dated XX/XX/XXXX while in active bankruptcy # XXXX. Contacted BayView Loan Servicing regarding mortgage loan # XXXX status. BayView Loan servicing did confirm status of account and could not explain why i am receiving phone calls and active attempts to collect debt. I sent in a formal dispute but to this date activity continues. 

Next, mortgage transferred from XXXX to Bayview on or about XX/XX/XXXX. There are at least 2 missing  payments and escrows have been overprojected over 1/6 above escrow pad. total Escrow balance they claim i owe is {$4900.00}. 

Finally, i contacted BayView Loan Servicing and was informed that BayView, in fact, does not have an escrow account set up for my mortgage when, in fact, i signed loan paperwork authorizing escrows with XXXX years ago. Until now, i've always had an active escrow account for XXXX XXXX XXXX XXXX, MA XXXX, my primary residence.
XXXX loan service sold my loan to Nationstar. I received a letter from XXXX after I had sent my payment for $ XXXX XXXX/XXXX/2015. I called XXXX and they told me they would forward my payment to Nationstar. The money was debited from my account on XXXX/XXXX/15 and Nationstar sent me a DOUBLE BILL on XXXX/XXXX/15. This was done deliberately. Also. Nationstar refused to send me a corrected copy of my bill. 

XXXX loan service XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX mortgage XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
I graduated from XXXX in XX/XX/XXXX and have had the displeasure of having loans with XXXX XXXX. 

First, it is impossible to make any kind of instant one-time payment without incurring a fee for making an additional payment, regardless of payment format. You CAN send a check in, but that will not reflect the interest charged during transit and before review. 

So, if I want to pay off my loan early, I have to modify my recurring payment and wait until the auto-payment day comes. But heres where the real headache comes in. After spending 45 minutes on hold both on the phone and via their online chat, XXXX told me that they could not provide me with a full payoff amount. Thus, by the time my recurring loan payment goes through on, say, 15 days later, it will not be enough because of the 15 days of interest. But wait, theres more. XXXX will NOT let you set up a recurring payment for more than you owe on the day you set up the payment. 

What does this mean for me? On XX/XX/XXXX, I wanted to pay off my entire {$3500.00} loan, so I set up a recurring payment for the next available date ( XX/XX/XXXX ). I was only able to set it up for {$3500.00} because that was the amount I owed on XX/XX/XXXX. Of course, today, XX/XX/XXXX, the amount I now owe is about {$3500.00}. So now I owe {$50.00} which will continue to accumulate interest. I can keep my recurring payment of {$3500.00} set up, which will take care of that {$50.00}, but then I have to wait 6-8 weeks before XXXX cuts me a check for my {$3400.00} overpayment. Well thats not going to work, so I modify the auto payment once again for {$50.00}. Of course by the time the auto payment kicks in I really owe {$55.00}, so now I need to await for another auto payment ( and further accumulation or interest ) before the full amount is paid off. 

So, rather than pay off everything on XX/XX/XXXX, Im now forced to wait until sometime in XX/XX/XXXX just to pay off my XXXX loan. This is a terrible way to run a loan servicer and, frankly, I question whether it is legal to force borrowers to incur interest or a one-time-fee. It is literally impossible to avoid. 

All I want to do is pay off my loan. Right now. And I cant do that. This seems highly unethical. 

And to be clear, I am not the only one who has serious complaints about this company. Its online review pages are nearly unanimously terrible, and its public communication with borrowers is nonexistent.
This debit collector does n't have my name correct nor did they put my exact address at the time.
My wife and I purchased a home to be built at XXXX XXXX, XXXX XXXX, FL by XXXX XXXX XXXX. They recommended their mortgage company, DHI Mortgage to process my application for a VA mortgage. It is over 5 months, and they are still requesting documents, many of which have already been given to them. When I objected and wanted to know when this would be finalized, I got an email telling me they were closing out the application and will send the documents I gave them to whomever I choose to write the loan. The house will be completed in 2 weeks. I will have to rent a place until for at least 30 days when the new loan can be finalized. Very unprofessional.
I received a letter from   XXXX   XXXX   around the end  of 2014 indicat ing I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.
<P/>
Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX    today and they told me to file a complaint with the FTC  .
This item is inaccurately reported on my report for a while now under public record as a satisfied legal. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it 's inaccurate, they mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature or legal documentation that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX County Circuit Court wo n't give me any answers or access to learn about the account since it 's confidential, they also advised me that the Bankruptcy court does n't report to any credit bureau period. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt/item comes back with different entity discerption. 

the public record info is the following : XXXX County Circuit Court XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX identification # XXXX court # XXXX reported as Satisfied ( so even if correct, why reported negative )