davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

On XXXX/XXXX/XXXX I filed a complaint with CFB case # XXXX in regards to Equifax multiple discrepancies of their reporting of XXXX Account on my credit report. On XXXX/XXXX/XXXX Equifax submitted their resolution to CFB and myself of the action they had taken in regards to these discrepancies : " Company responded Equifax said : Explanation of closure Equifax has reviewed the complaint and it 's records. The prior paying history for XXXX accounts XXXX and XXXX has been removed from the credit file. Written confirmation has been sent to you. Please allow 7-10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. 
Relief The prior paying history for XXXX accounts XXXX and XXXX has been removed from the credit file. '' Well on XXXX/XXXX/XXXX Equifax undid their relief and reinserted the payment history nor was I informed of them doing such. I did not receive any type of notification from Equifax about this reinsertion within 5 business days or any days. Had I not checked my credit score via XXXX XXXX I would have never known. Equifax has been reeking undue havoc on my life with their improper reporting of my credit file. When I called Equifax about this matter all they do is read you a script and does not try to do anything to fix their mistakes. I have since sought out legal advice and will be moving forward in that direction. It appears Equifax is only satisfied when they are being sued and at this point they try to do right by the consumer.
Consumer complaint received 2016-07-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Called Dovenmuehle Mortgage on XXXX/XXXX/16 and requested to have our escrow account closed out since we were planning to pay the loan off shortly, and have the balance of XXXX sent to us, and was told that they had put a request in, and that it would take 15 days to process our request, and that they would then mail us a check for the remaining balance. What they failed to tell us, which we found out a few days later when we called in, is that they first had to send us a form to be filled out before they would even consider closing out our escrow account, and that it could take up to 7 days to receive the form. Although every time we called to check to see if the form had been sent out yet, and talked to countless supervisors, they claimed every time we called that the form had been sent out the day of our request on XXXX/XXXX/16. When we finally received the form over two weeks later though, it was postmarked for XXXX/XXXX/16, so had not been sent out on XXXX/XXXX/16 as they had claimed. Although we faxed the form to them to help speed up the process they still took several days to process the form, but finally approved our request on XXXX/XXXX/16, which is the date they are now claiming that the escrow check was mailed out to us. Although it is now XXXX/XXXX/16 we have still not received the escrow check, and doubt that it has even been mailed out yet, as this seems to just be another one of their delay tactics to hold onto our money as long as possible. And the only thing they will tell us when we call in is that if we 've not received our escrow check in 30 days that they will send another check, which is unacceptable. This is our money, not theirs, as it is from our escrow account. So we should not have to wait 2 to 3 months for them to send it.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

I received an alert email last nite from Equifax letting me know my credit report was ready ... the problem with that is I did not access nor request my report ... Equifax told me the request came from XXXX ... they completely disavowed any knowledge of how it happened ... who pulled it or anything else ... their solution to my issue was to get on a computer to stop others from pulling my report ... they refused to put a freeze on it even though they are the reporting agency ... I am astounded that in 2015 someone can pull my report from anywhere other than where I live and it sent up no security alerts ... 
Then this morning I get a call from XXXX XXXX for my XXXX XXXX asking if I had made multiple charges on the account and they read them off ... it was north of {$3500.00} and as the rep was asking me about them he stopped himself and said wait ... the charges were made in XXXX ... I live in New Your, United States ... so if the bank can see where the charges originated why ca n't the credit bureau see where my report request came from? 
XXXX closed my account ... issued me a new card and started a fraud investigation ... Equifax did nothing ... 

Please help me with this matter ... thank you in advance ...
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX XXXX XXXX, NA Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX COLLECTION ACCOUNT XXXX IN Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Banking Creditor Name : XXXX XXXX A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

XXXX is unable to VIEW MY CREDIT SCORE WITH EQUIFAX!!! ' This is still happening after they stated it was not a problem. The dealer is using dealer track and I 'm not showing a score it is coming up as XXXX. Per the free report I just received from equifax my score shows as XXXX. How is this that no companies can view my Equifax score? I NEED FOR MY SCORE TO BE VIEWABLE WHEN I GIVE A COMPANY PERMISSION TO RUN MY CREDIT!!! It should not show as XXXX. This is ridiculous that it still has not been fixed and I have been going back and forth with them SINCE XX/XX/2016. PLEASE I NEED HELP OR I NEED THE PRESIDENT/CEO FROM EQUIFAX TO CALL ME DIRECTLY TO EXPLAIN AND CORRECT THIS
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and I received a fraud alert in regards to unauthorized and fraudulent credit inquiries listed on my Equifax credit report. The following inquiries credit inquiries are unauthorized and fraudulent : XXXX XXXX Bank, 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 2016-01-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (MD)

SETERUS took over my loan last year. It has been an awful transition from day XXXX. I have sent payments that they confirm receipt of, only to find that they process them late.. which caused late fees on my bank accounts and at the company. They made corrections after proving to them that more than enough funds were available at the time of their confirmation of receipt of payments. They corrected themselves by waiving late fees that they applied after they reviewed my documentation. These forms include bank statements and notifications. Now I have had some serious changes with my finances, resulting in me having to ask for a modification. I have submitted all required documentation via XXXX ways which include through fax, through email and through regular XXXX mail. I have not heard anything and it has been over 45 days since those forms were sent. My entire family lives in the home and needless to say I am NOT comfortable not being able to pay the mounting balance that is occurring. I am saving all that I can and paying the utilities. I am unable to log into my SETERUS account online, because the site is down. Their customer service is not open on weekends, which is when I am able to contact them mostly.
Consumer complaint received 2015-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MI)

A name that is reported is wrong. The wrong name is XXXX, XXXX, XXXX. My correct name is XXXX XXXX XXXX. The address reported is wrong. The wrong address is XXXX XXXX, XXXXXXXX. The correct addresses are XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Please remove XXXX, XXXX, XXXX and XXXX from my reports. I have never used that name or lived at that address
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NJ)

On XX/XX/XXXX, I executed a qualified written request which was overnighted to Seterus by the United States Postal Service through Express Mail under tracking number XXXX on XX/XX/XXXX. It was received on XX/XX/XXXX. I requested a complete payment history. They acknowledged the request on XX/XX/XXXX and XX/XX/XXXX. I have heard nothing to date since then. I have enclosed a certification of amounts due regarding the foreclosure action. Seterus claims to be the servicer since XX/XX/XXXX, however, they are attempting to be reimbursed {$11000.00} for taxes they allegedly paid from XX/XX/XXXX to XX/XX/XXXX. Why is Seterus attempting to be reimbursed for taxes that were dispersed before they became a servicer? They are charging for {$630.00} for 44 inspections but failed to state when these inspections were done and what they encompassed. They claim I owe {$140000.00} in principal but failed to show how they came to this figure. There was a long forbearance agreement years ago which went on for months and months. How do I know if this was reflected in the current principal amount and interest due? How did they arrive at {$74000.00} for interest without a proper payment history? I dispute all of these charges.
Consumer complaint received 2015-05-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OH)

In XX/XX/2015 I started disputing this issues with XXXX and Equifaxfraud on my credit report. Equifax has not want to do anything aboutthis and in timely fashion. Finally I a letter from XXXX to me andstating sent letter also to Equifax to remove off my credit due to fraud. 
They said they had until XXXX/XXXX/2015 to remove it and as of today XX/XX/2015it is not removed from my credit.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

I am a subscriber to all XXXX agencies, and Equifax has continually and repeatedly investigated and returned results that are proven to be inaccurate. I have disputed credit inquiries to Equifax resulting from an auto dealership submitting my information to XXXX banks without my authorization or approval. Each time, Equifax allows me to either enter that the inquires are " unauthorized '' or " fraudulent ''. Within a day or so, they come back and tell me that they 've verified the information is correct. I 've also tried to contact them directly, with Managers & Supervisors in the dispute department telling me to contact each of the creditors direction and ask them to remove the item. I 've done that, but it 's almost impossible to get any of these creditors to even acknowledge they had a form submitted in my name, much less - they wo n't admit to any wrong doing, since the request came from a car dealership and they think it 's legitimate. I 've contacted the dealership that sent out my credit file by mistake and they 've provided a letter back to me asking & authorizing for the removal of all entries associated with their dealership on XXXX/XXXX/2014. I 've provided that letter to Equifax and they still refuse to remove the fraudulent and unauthorized inquiries. I 'm out of options and I can not think of anything else I can do other than seek legal action against Equifax until this is resolved. In addition, this company has me doing work and effort to correct mistakes that have been already admitted to by the dealership that did the damage. This is effecting my credit score and I need help getting this corrected as quickly as possible.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I logged in directly at their website to dispute an account on the XX/XX/XXXX last month. The account in question is an XXXX credit card in which I am an AUTHORIZED USER. I requested them to remove that item from my credit file, I am not liable for repayment because, again, I am just an authorized user. But today, I reviewed the result of their investigation and they are saying that they " verified '' that this account belongs to me. How could that happen? They are essentially perjuring themselves for saying that because obviously the account is not mine. They are causing me stress and damaging my credit file. I want this deleted TODAY.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Sir/Madam : I made a dispute with Equifax on XXXX XXXX, 2016 in regards to a negative information reported by All Student loan Corporation on XXXX XXXX, 2016. It reported a decrease of my credit line. I do not have a credit line with this company. I have student loans that I consolidated with XXXX and another with XXXX ; both are on forbearance. I would like the negative reporting be strike out from my credit file on all XXXX credit reporting agencies : Equifax, XXXX and XXXX. I have attached XXXX documents : ( 1 ) negative credit report by XXXX XXXX XXXX XXXX ; ( 2 ) XXXX indicating forbearance status ; ( 3 ) XXXX showing forbearance status. I can be reached by email at XXXXXXXXXXXX. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (MO)

I had a balance of {$700.00} on my AMERICAN EXPRESS credit card. I made a payment of {$200.00}. and somehow my balance was {$590.00}. I do not use the card so I was skeptic of my balance. I called AMERICAN EXPRESS and a customer care person explained my balance. I accepted his explanation. The problem I have is this : Two days later my balance was {$790.00}. I called AMERICAN EXPRESS several times and contacted them online. I was told they ( AMERICAN EXPRESS ) charged my AMERICAN EXPRESS card, ( called a adjustment ) for {$200.00} and were sending it back to my checking account.? I did not authorize a charge or adjustment to my card. I merely inquired about my balance at {$700.00} to {$590.00}? This is what happens with AMERICAN EXPRESS customer service, do n't ask no questions.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I paid XXXX XXXX what they asked for in exchange that it will be reported as paid in full it is being reported on transunion paid in full charge off of which is doing damage to my credit when it has a XXXX balance it is also being reported on XXXX charge off XXXX balance the same on XXXX as well credit acceptance is being reported as settled for less than balance paid repossession on transunion with a XXXX balance and on XXXX repossession XXXX balance and the same is being reported on XXXX as well
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Please Refer to Complaint Number : A validation of Debt and QWR was sent to SPS however, they have failed to provide the following : * Full accounting from inception to present date to justify the numbers given * SPS claims that my balance is {$790000.00} however i have conflicting accounting which is why i asked for a validation of debt from SPS merely sending closing documents without accounting is not a valid response per the FDCPA * SPS has also failed to provide a mortgage coupon the loan was transferred in XXXX of 2016 and SPS also failed to provide HAMP options as well as alternative options as required by law.
Consumer complaint received 2016-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (NC)

I received my XXXX degree in XX/XX/XXXX. I began paying monthly installments on my student loan sixty days later. In XX/XX/XXXX, I received a XXXX certificate and I consequently took out another student loan. In XX/XX/XXXX, I was having financial difficulties. I called to see if my payments could be reduced. They said i needed to consolidate my students loans in order to make the payments lower. 
Today, I still owe {$12000.00} and I still need to make 7 more years of student loan payments to this loan. I would have never agreed to consolidating my student loans had I been properly informed by the lender that the lower payments would equal more payments ( extended period of time ) and more interest paid : I would have never agreed to consolidation. I do not feel I was properly informed about the disadvantages of consolidation on the phone at the the time of asking for help with lowering my payments. I feel that I was pushed into the consolidation program without receiving complete information about the program or given time to consider the action. 
Now, I am applying for a XXXX plus loan and my prior student loan history is weighing heavily negatively against me and effecting my chances of receiving my XXXX plus loan. I have been accepted to start an XXXX program in XX/XX/XXXX. I will focus on XXXX and plan to work towards my XXXX after graduation. My student advisor emailed me yesterday : he said if i can not get my XXXX student loan, I should consider not accepting the XXXX program in XX/XX/XXXX. 
I want to become a XXXX more than anything.I was affected by my mother 's XXXX at a young age. I am a single woman and I need to support myself. Additionally, I am my mother 's primary caretaker. I need this XXXX education in order to help the children XXXX reach a healing point. 
XXXX XXXX XXXX University and University XXXX XXXX XXXX
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (MD)

1. You never pay me promotional bonus {$400.00}, {$100.00}, {$500.00} & XXXX thank you points. As the promotional offer stated that the offer was for new account NOT new customer. The offer specifically indicated for existing savings plus account customer. In XX/XX/XXXX there were two new checking accounts which was linked with new savings plus account & new deposit. 
2. I can not submit a new bill payment. As I stated that I submitted a bill pay {$740.00} on XX/XX/XXXX which was before the due date XX/XX/XXXX. This problem caused by XXXX county and another retaliated bank in XX/XX/XXXX. As national bank, you must responsible for this extra cost {$150.00}. 
3. In XX/XX/XXXX your representative XXXX choose to close my debit card which I did NOT agree with. Therefore you must responsible for my time and cost XXXX {$20.00} XXXX to pick up the card at FedEx facility. 
4. I am asking {$50.00} wire transfer fee to be back because my deposit was NOT safe due to the theft activities happened in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX a unknown person opened new Citi account by using my information. However your fraud department did NOT respond when I notified them. Since my deposit and transaction information were not safe, then you should responsible for {$50.00} wire transfer fee because the wire was NOT delivered on XX/XX/XXXX - XX/XX/XXXX per recipient. I had great concern that the funds were delivered to someone else. That 's the reason I put a review request. 
5. {$280.00} dispute on XXXX transaction : one was XX/XX/XXXX {$110.00} plus {$25.00} plus {$12.00} ( NO fee replacement transaction ), {$110.00} charged twice plus {$25.00} fees plus {$36.00} photo fees from same merchant. On XX/XX/XXXX I returned merchandise back to merchant. 
6. Another dispute was XX/XX/XXXX {$140.00} XXXX merchandise was expired and returned ) due to constant dangerous harassment in the XXXX county, XXXX. On XX/XX/XXXX your citi rep told me merchant returned back {$140.00}, however XXXX business days passed you never put {$140.00} back to my account. 
7. {$3400.00} foreign exchange rate loss in XX/XX/XXXX The exchange rate was {$1.00} to XXXX CYN, however I was only given {$1.00} to XXXX CYN. 
8. {$20.00} unauthorized charge was canceled during pending stage on XX/XX/XXXX 
9. {$9.00} fraudulent checks which were cashed by another bank on XX/XX/XXXX, and XX/XX/XXXX. I need my {$9.00} back since I never received the payment.
Consumer complaint received 2017-03-01
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CA)

After I submitted a complaint on XX/XX/2017 ( complaint # XXXX XXXX, Nationstar Mortgage said : Put my trustee sale " on hold ''. In fact, the trustee sale scheduled for XX/XX/2017. This is not on hold. It is on schedule. When your property is on auction, the public bombaded you by mail, by phone and by physical ( pound the door ). On XX/XX/2017, I sent a request to Nationstar to remove the sale from their calendar, I do not receive any response. This is a double cross ( Dual tracking ). Thank you.