davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

My complaint is about the conflict of interest at Equifax. The company is a for profit company and is accountable to its shareholders to generate profit. The company is in charge of consumer credit rating ( collecting information and issuing credit rating ) and the company also makes profit from it consumer credit monitoring and subscription business. So the consumer would pay XXXX. I was a subscriber for almost two years and I cleaned my credit, disputed inaccurate information etc. Tecently have decided not to renew my membership as did not see the use for it given that you can the same service free from XXXX. Equifax kept emailing me to renew membership. Since we are in a process of refinancing and given that my credit decreased despite the fact that I had perfect credit history I decided to sign up again and to my surprise they removed all positive information from old accounts and replaced with XXXX, which is not reported, and put back negative late information. I called them to dispute it and they stated that it is coming from the creditor. This is deceiving to push us as consumers to feel the need to subscribe to their product so we can keep Equifax in check. There a conflict of interest here. They should not be in both side of the business they should be either rating company or consumer credit monitoring. Otherwise, their credit monitoring should be offered for free since they are using our personal information to make money. When I complained, they added more information on those accounts closed in XX/XX/XXXX and paid in full in XX/XX/XXXX to show then as XXXX until XX/XX/XXXX, no one would respond to my inquiries and their costumer service uses deceptive methods not to assist and resolve the issue. Submitting a dispute could take months. We work very hard to establish a positive payment history and they simply can not have so much leverage in manipulating or skewing the data in a way they see fit. The credit rating has an impact on consumers ability to obtain jobs, loans and credit at more favorable terms and these agencies should have have so much power. Consumers are being victims of corporate greed. I hereby request that all the negative accounts be removed.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE XXXX FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED 3. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BALANCE IS INCORRECT 5. SECOND XXXX BALANCE IS INCORRECT 6 XXXX IS A CLOSED ACCOUNT MUST DELETE HIGH BALACE AAND PAYMENTS XXXX BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I have disputed this bankruptcy countless times. Equifax keeps reporting this bankruptcy but they will not give me any documentation that states how they determine that this bankruptcy belongs to me. The federal courts do not give out Social Security number 's so I want to know how this Equifax keeps determining that the Bankruptcy belongs to me.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I was set up to receive my XXXX statement online. I did not receive my statement ( second time this had happened ) one month. When I received my statement the next month and saw a past due I immediately called and was told if I paid the balance due over the phone ( approximately {$30.00} ) I would have a XXXX balance, so I did this. 
The next month I received an e-mail from XXXX, and believing what the representative had told me the previous month ( XXXX balance ) I did n't bother to open the e-mail. 
The next month I received another e-mail, which I opened, called and got into an argument with the representative and paid additional monies over the phone ( service charge ) and asked that the account be closed. I did n't use the account that much ( my balance was never over a few hundred dollars ), I would go months without using it, so I was n't used to paying it on a regular basis. 
Recently a banker told me XXXX jumped me straight to 90 days late and I should dispute it. My credit score is flawless except for this record. Thanks for your help with this matter.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

I am trying to get a VA loan but can not because of credit report issues. Issue is with where banks obtain their credit reports from. XXXX in particular that I am aware of Equifax Mortgage Solutions. The credit reports I receive do not show any balance, amount delinquent or duration as mentioned in the XXXX disclosures. The bank 's credit reports however do show outstanding and delinquent amounts. I am retired and my physical abilities are starting to diminish and need to find suitable housing for myself and my spouse.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NJ)

XXXX/XXXX/XXXX. Called Seterus Inc again to obtain status of the modification request submitted on XXXX. Still no resolution on this. I keep getting the " follow back with us next week '' The representative today " XXXX XXXX '' stated that they are still working on find a solution for me. They will be contacting me if a subordination can be offered or not. She told me if I did not get approved for a subordination they would move forward with the foreclosure of my home. She told me someone worked on my file on XXXX/XXXX/XXXX but could not tell me what was done. She said documents were ordered. When I asked what documents she told to go to their website to read how the process of a subordination works. Basically she could not tell me anything. I have been calling Seterus Inc every week since XXXX/XXXX/XXXX. I have spoken to several representatives. They all give me different information. The representative from last week told me she was submitting an excallation review since they made a mistake in regards to my modification I completed on XXXX of XXXX. They never recorded the modification for the payment of {$1400.00}. Never notified me that the modification was not denied, after the fact that they sent me the Modification document to be signed and notarized. They Denied my modification after they approved me without notifying me. Instead they were sending letters to my ex husband 's attorney. I was completely blind sided on this and now they are playing games and not getting this problem resolved. I am under the impression they are going to deny my modification request and offer me no other option and I will loose my home. It is going to be almost 1yrs that I have been trying to resolve this problem and nothing is getting done. I can not afford to hire an attorney to resolve this issue. But I 'm afraid that will be the only way for me to keep my house. I have filed a few complaints and the answers you get are the same I am getting. " They are working on a resolution for the problem, someone will contact you soon '' No one from Seterus has ever called me. I 've been getting letters daily in the mail that my account is behind and that I need to pay over {$9000.00} to bring the account current and prevent foreclosure. Please help.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

In XX/XX/XXXX, in the process of obtaining a HARP re-finance mortgage, a banker brought an item from the year XX/XX/XXXX to my attention from XXXX. I do not now nor ever recall an account with XXXX. Therefore, I request the item be removed from my report. As my credit report stands at an XXXX and has resided in that range for the last ten years or more. 
The XXXX item noted on my report reads as shown : XXXX INFORMATION DISPUTED BY CONSUMER ACCOUNT IN DISPUTEDisputed by Consumer CURRENTCreditCardOpenEquifaxXXXX
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. being that they have gone well past the 30 day and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to delete the information which they can not verify that I have disputed. Thank you very much for all your help in making sure that Equifax remains compliant in all their dealings.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

On my credit it says I owe the government XXXX dollars which is n't even possible for a XXXX XXXX XXXX who has never had a school loan or a car loan. This is mistaken for someone else and I know it was not me.
Consumer complaint received 2015-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I have a XXXX in state of California with my dad. We opened the company back in XX/XX/XXXX and had some employees at the time. So we fell behind with payment for Employment Development department ( EDD ). So in XX/XX/XXXX and XX/XX/XXXX they put few liens on the accounts. Since then we resolve all the past due balance with EDD and are in good standings, but they wo n't remove the state tax lien from my credit report and is really frustrating. The name of the business is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I made by payment of XXXX from my XXXX personal checking account onXXXX. The funds have been taken from my acct but, the Capital One rep tells me there is a 7 day hold on the funds. This beyond insane when they have had the funds since this morning.
Consumer complaint received 2016-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (FL)

On XXXX,2016 I received correspondence from this company stating a debt was owed. The letter is dated XXXX/XXXX/2016. The letter states it is attempting to collect a debt on behalf of XXXX XXXX but does n't list the reason. Ex : unpaid rent, cleaning fees..etc there is no reason of debt listed. My rights have been violated in more ways than XXXX and I will be escalating to the XXXX and XXXX! For XXXX, FDCPA states you have 30 days from RECEIPT of the letter of such debt to dispute! The attached notice will show they sent the letter to an old address meaning it was forwarded. The letter itself is dated/mailed XXXX/XXXX/16 I was given less than 30 days to dispute or validate said debt. I was never given a final bill or breakdown as to the cause of this debt. On XXXX/XXXX/16 I sent an email stating I had no knowledge of this debt but if it could be verified I would be willing to set up a payment plan on reference to not having it placed on my report per the letter they sent me stating this as an option. However today I woke up and found that instead of a response to my email or allowing the allotted 30 days from contact to dispute they went ahead and placed this on my report anyways. I will be contacting an attorney if this is n't settled correctly. This is clear violation of rights! I have attached their letter, my email and my credit report reflecting the negative acct.
Consumer complaint received 2016-12-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CASHCALL, INC. (WI)

On XX/XX/2016, at or about XXXX hrs CST, I received a call from an unidentified male claiming to be employed by XXXX, the number called from is XXXX. The caller said he was calling " in relation to a breach of contract in the amount of {$1700.00} with cash call USA. '' He said if I did not pay immediately, XXXX would take me to court, get a judgment against me, and then have me " jailed '' if I did not pay. It was then he asked for me by name, the only information I would confirm. Most of his information on me is VERY outdated. When I insisted upon them mailing me proof of this debt, the male caller began insulting me, using foul language, resorting to name calling, and actually at one point threatened me with physical harm if I did not pay him. 

I explained to the caller that I am XXXX, low income, that my income is derived from XXXX benefits, and that my state laws do not allow a judgment to be paid from that. He threatened agin to have me jailed if I do n't pay, and claimed to " know many ways of getting around the law to get what is owed. '' I explained that I would be documenting and reporting the call. This apparently upset him even more, though I doubt I would be allowed to post here what exactly he said. I told him to please not call me again without sending by mail proof of the alleged debt. He said he will be calling me every day " if for no other reason than to make my [ stream of foul language ], miserable '' until I paid. 

I wished him good luck with that, said goodbye, and terminated the call. An immediate internet search lists many pages about this company ( IRP ), with many reporting this is likely a scam. 

The alleged debt holder " CashcallUSA '' is an internet " payday loan '' business known to me. They alleged several years ago that I borrowed money from them in such a way, on a date and time, from a location, and in such a manner that makes this impossible. That business has already been furnished with evidence to that effect ( employer documentation, Driver 's Daily Log book entries to that effect, and various statements from those proving I could not have been the one they claimed borrowed money from them. I have also informed them of who might have stolen my personal information to take out such a loan who was in fact in the location on the date and time they claimed. That individual is a suspect in another identity theft issue involving the IRS and law enforcement ( reports filed ).
Consumer complaint received 2015-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (TX)

I have filed a previous complaint about this company.. I have made several attempts to get more information as to if they are a valid company to continue to take payments from me. This company called me out of the blue after I was taken to court by my apartments called XXXX XXXX in XXXX Texas. The apartments went to court in XX/XX/XXXX with informing me of the court date. They settled on an agreement and I was n't present. since this settlement I have paid a company called National XXXX System almost XXXX without even seeing the agreement that was made between them and my departments. I have requested several times for them to show proof that they are a legitimate company including XXXX lettters in the mail. I have asked for the documents that were sent to the company by my apartments on XX/XX/XXXX and I have still not recd anything. I need this company to refund me all my money back unless they can prove to me that they are legally able to take this money from me. I need this company to be notified so that they take this debt off of me or they will be sued. Attached with this complaint is the letter I recvd for the balance I owed for my apartment which was XXXX. I paid off about XXXX dollars of that and with the XXXX I have paid these apartments, that balance should have been paifd off a long time ago. I am being scammed and I refused to pay them any more money until I get this remaining balance removed from my acct.
Consumer complaint received 2020-07-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (OH)

I am a military vet. I've owned my home for 5 years and use Freedom Mortgage. I recently decided to refinance, lowering my intrest and term length. Freedom Mortgage contacted me to start this process. 

The initial processing went relatively smooth. People and loan officers contacted me and set everything up. 

I was told a mobile notary would need to come to my home to finalize the loan documents. We set up a date and time for that to happen. We selected the first date available and it was a 3 week wait. 

3 weeks later, on the date and set, noone shows up. We called the mobile notary company and they said they are waiting paperwork from Freedom Mortgage. 

Here is where my problem started. I've called Freedom Mortgage countless times. I've explained my issues to multiple people and multiple supervisors. Noone is helping me or contactimg me back. 

Everytime I talk to the refinance department they tell me a Supervisor will call me back. They do not and have yet to call me back. Everytime I ask to talk to a Supervisor, I am sent back into the regular queue and have to start the process over. 

The actions and treatment of Freedom Mortgage 's customer service and refinance department is unethecial at best. The employees lack of knowledge and inability to take action when helping a customer is astounding. Everytime I talk to them I wait on hold for at least 60+ min and make no progress no matter who I speak to. 

They should be ashamed and embarrassed of their customer service.
Consumer complaint received 2017-02-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (MN)

Here 's my story : I 've been paying my minimum monthly payment every month to Sallie Mae until I fell into hard times. My car keeps breaking down and now taking care of my homeless father. I can no longer afford my minimum monthly payment. Before, today XX/XX/2017, I 've called several times trying to lower my payment and I was told my only option is to go on forbearance. I did n't want to stop paying them, so, I started sending checks of what I can afford. That is when they started harassing me at my work and other family members looking for money. I called again and was on the phone with them for over 3 hours, today, trying to find a solution. I talked to XXXX, in the Resolution Department, giving them all my financial information and hard ship issues. The call elevated to the supervisor, XXXX employee # XXXX. They told me they can not help me and forbearance is my only option. ( All calls are recorded so you could potentially get the information if you need it ). My XXXX XXXX XXXX grandmother is my cosigner. She is currently living on only social security so she is, also, unable to help me with payments. They wanted to speak to my cosigner, however, she is unable to speak on the phone. I told them vehemently, over and over, she is unable to think clearly and there is no one to speak on her behalf. I made it very clear that I want to be responsible for my payments of what I can afford. Throughout this 3 hour call I kept telling them I can pay {$100.00} per month and I know I could continue making {$100.00} payments through the duration of the loan. They just kept offering the forbearance or speak to my cosigner ( aka my XXXX ) - those were my only options. It started this back and forth conversation and they did not give me any other options. Am I wrong? Should n't they work with me? They have no problem cashing my check I send in each month. Now my credit is ruined because of them, so, now I do n't qualify to consolidate my loans with a bank. I am writing to you, not only to help others, but also to see if there is ANYTHING you can do to help me. I 'm desperate and I need you. 
Thank you, XXXX XXXX XXXX, MN XXXX XXXX XXXX : XXXX XXXX gradutate
Consumer complaint received 2016-04-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I went through a series of unfortunate events that made fall behind in my mortgage in XX/XX/XXXX, I tried to modify my mortgage for many times, we even went to court but the modification was to pay even more than the original amount. My last resource was to do a short sale but after an approval letter on XX/XX/XXXX, my realty was told that the approval failed. We do not understand what is going on with Wells Fargo but they really want me to lose my house to a foreclosure. My realtor has a buyer with the money ready to close on the house for over one year now the bank has all the paperwork that they asked for and told us it will be 2 weeks, now is like 6 months. 
I will really like to get to the bottom of this, its being 7 years now in XXXX XXXX that I am trying to save my house but all efforts have failed. I went through a divorce, my son going to college and me losing my job, all legitimate situations. I have proof all of the modifications attempts that were failed. I really believe that Wells Fargo has made this impossible for me. I feel that I being violated and will like to get justice on it. At the end of all I will like to stay with the house, I have it for a long time but when the houses devaluated in XX/XX/XXXX, all my nightmares began. 
Can you please help me, my telephone is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Thank you.
Consumer complaint received 2015-10-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I applied for a Loan Modification with Well 's Fargo Home Mortgage and I was denied. But the reason that I was given is that I did not have a hardship. My husband and I have been separated since XXXX 2014 and with the loss of his income I am finding it hard to meet my monthly mortgage which is {$2400.00}. My monthly gross income is {$3400.00}. The reason that I was given for being denied is that I my gross monthly income should allow for me to meet my mortgage payment, but after taxes and paying my utility bills and second mortgage, I can hardly pay this payment. All I am asking Well 's Fargo is to lower my mortgage payment. I do n't understand what their criteria is to qualifiy for a Loan Modification. From doing my research, I have found out that these Mortgage Companies are not really helping many home owners at all.