davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Equifax was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MO)

I filed a complaint stating that the Collection Information was inaccurate in its filing. As the term agreement of the accounts : XXXX XXXX XXXX. file ID # XXXX and XXXX XXXX XXXX file ID # XXXX has been satisfied in its entirety. The credit reporting agencies are still reflecting as owing with concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 7 years. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I have escalated this issue to Equifax multiple times Since XXXX, XXXX and all I get is a repetitive auto response. I have sent certified mail to XXXX XXXX XXXX account XXXX requesting validation and received NONE : XXXX/XXXX/XXXX - USPS XXXX XXXX/XXXX/XXXX - USPS XXXX Following the FCRA, this account needs to be removed for failure to validate the allege debt. I 'm attaching copies of the original letters requesting validation as well as Equifax automatic responce. 

I have reached out to Equifax multiple times, and all I get is a repetitive auto response from them : XXXX/XXXX/XXXX - USPS XXXX XXXX - USPS XXXX XXXX/XXXX/XXXX - USPS XXXX I requested validation from XXXX XXXX XXXX and received none. I then disputed this with Equifax multiple times, and still have not received full validation. It is way past the 30 days from my original request of validation, and all I get back from Equifax is that they have performed their research and verified 'the balance is reported correctly ' Yet, they still do not show proof of their research showing what validation they have on this account. 

This is violating the FCRA. If validation is requested, then valid proof of this allege debt should have been handed to me, and it was n't and it is now past 30 days. 

There are XXXX apts on this complex and when I returned the apartment, there were no damages reported ; The property management at that time did a walk through with me and we both signed a piece of paper that there were no damages to the aprt. That piece of paper is valid proof that there is no damages to the apt and I have requested that piece of paper as validation for this allege debt, I have also requested pictures or any evidence that came out of this apt and again I did not received any such evidence. The apt complex changed management since then and I have had difficult time researching this allegation. I have requested for validation/proof that there is such allegations and received none, I have escalated this with Equifax and am stuck with their repetitive responses. This allege debt has caused harm to me and my credit and is building punitive damages and all I get from Equifax is a repetitive response. 

Again, I requested for validation and received none, and this is still being reported on my credit file. This is a validation of the FCRA on which I have escalated this three times with Equifax.
Consumer complaint received 2015-11-18
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc. (TX)

Submitted paperwork regarding wage garnishment XX/XX/XXXX. Without notice to me my wages were garnished beginning XX/XX/XXXX Agency said they sent me the information XX/XX/XXXX. They did not. I did not receive the decision until XX/XX/XXXX and that was through email from XXXX after I complained. The information on the XX/XX/XXXX paperwork has changed significantly. The XX/XX/XXXX paperwork said I had 15 days to appeal. Obviously, the 15 days had elapsed XX/XX/XXXX. I have not moved. It would be in my best interest to respond in a timely manner. I did not receive the information. Everything I send XXXX is sent certified mail return receipt requested to avoid these issues. XXXX should do the same. However, I do not believe they sent it to me. I made contact with EOS-CCAand they said they would get back to me. I have not heard from them. Not only are my wages being garnished but now my social security is being garnished which I had to take 4 years early to cover the {$600.00} a month they are taking from my wages. With the social security garnishment they are now receiving almost {$1000.00} per month. I am single, XXXX years old and have raised my now XXXX year grandson since he was XXXX old with very limited financial support from the parents. XXXX only considers what they think your expenses should be not what they are. I have offered to pay {$200.00} per month until I die but XXXX will not accept that. The whole system is confusing, non-responsive and not dealing in real world income and expenses. People do not return calls. People do not know how to help you and they do not take your personal circumstances into consideration when reviewing documentation they have been given. In fact, they completely ignore anything they have been provided other than their paperwork you have filled out. There is no way I can afford a garnishment of 15 % if the information I provided was reviewed. I have sent my story to various government and social service agencies. I have sent my story to various government employees including senators. I have sent my information to various media outlets and have been contacted XXXX. I urge anyone else suffering from the burden XXXX mismanagement to write their own stories so attention may be paid to the fact that we are people with lives not just a number.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

In XXXX of 2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

I have attached a few of these statements that I mentioned. Note the dates and what I " owed ''. You can see, how confusing this was. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.
Consumer complaint received 2015-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX ( hospital ) incorrectly billed me for procedures that did not occur and then sent those incorrect charges to a collection account. I advised Equifax and provided documentation that I did not owe the hospital, they refused to remove the collection account. The XXXX XXXX XXXX XXXX finally resolved the issue in my favor and told me that they would remove the collection account. They sent me a letter to that effect dated XXXX XXXX, 2015. I was told to allow Equifax XXXX days to remove the collection account. Now, since over XXXX days have passed, Equifax has STILL not removed this uncalled for negative rating. I was recently denied credit by XXXX XXXX and have a letter from them indicating Equifax still has not removed the collection account from my record. This has caused me a great deal of embarrassment and distress trying to deal with a company that is completely unresponsive to reporting the truth and has soiled my credit rating without cause.
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

EQUIFAX REFUSES TO ACKNOWLEDGE THE TERMS ASSOCIATED WITH MY ACCOUNT WITH XXXX XXXX XXXX. I HAD AN HIGH BALANCE OF {$3000.00}, WHILE EQUIFAX IS REPORTING {$3900.00}. THEY ARE REPORTING MONTHLY PAYMENTS OF $ XXXX MONTHLY WHILE I HAVE SUBMITTED BANK STATEMENTS REFLECTING {$170.00} A MONTH DRAFT PAYMENTS TO XXXX. I HAVE TRIED UNSUCCESSFULLY TO GET EQUIFAX TO REPORT TRUE AND ACCURATE CREDIT INFORMATION AND NOW APPEALING TO YOUR OFFICE TO HAVE EQUIFAX TO REPORT TRUE AND ACCURATE INFORMATION. MY CREDIT TERMS ARE 24 MONTHS ZERO INTEREST, EQUIFAX IS REPORTING 31 MONTHS
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX CRED XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, SC XXXX
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (KS)

my mother passed away four years ago. I co- signed for her home in XXXX. I continued to pay the mortgage on her loan. I later had financial problems and was told by Seterus that i could get a modification loan. Then was told later that i did not qualifiy for a modification loan. The mortgage company then said i owed a lot of back payments. And they placed me in foreclose. Seterus did not allow me time to get the documents needed for a modification loan. When i tried to contact the lawyer that was handeling the lawsuit. i would not receive a call back. I had a letter sent to me saying withdrawal of counsel and entry of appearance of substituted counsel twice. Seterus took a payment from me in XXXX of XXXX and said they never did. I asked how much it would cost to reinstate the loan and they added so many thousands to my account that i do n't owe. Now they are going to auction off my home XXXX XXXX at XXXX unless i pay XXXX on XXXX XXXX XXXX. They have made mistakes and do n't want to fix them. Please do n't let them take my home.
Consumer complaint received 2020-08-23
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: Aargon Agency, Inc. (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware that the credit bureaus have been given an additional 15 days which has also past. I have not received any investigation results.
Consumer complaint received 2024-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TD BANK US HOLDING COMPANY (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Account Number : XXXX To : Attorney Generals office of XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau FTC XXXX XXXX XXXX XXXX  RE XXXX TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Subject : Formal Complaint Regarding Deceptive Mortgage Practices and Illegal Collection Tactics Dear Sir/Madam : I am writing to formally complain about TD Bank 's handling of my mortgage forbearance and subsequent attempts to collect an outstanding balance. 

Due to job loss and severe financial distress, I sought a mortgage forbearance, which TD Bank approved. Upon concluding the forbearance period, I was informed by XXXX XXXX on XX/XX/year>, that I could have the forbearance balance added to the rear of my loan. I consented and was assured that this request was submitted to underwriting. 

Despite my proactive efforts to clarify and finalize this request, including multiple communications with TD Bank representatives, I have seen no resolution. My documented interactions include : - XXXX XXXX : XXXX XXXX requested the loan forbearance amounts be added to my loan 's end. 
- XXXX XXXX : Two inquiries were made to underwriting regarding adding amounts from the forbearance period. 
- XXXX XXXX : XXXX XXXX informed me that an email had been sent for account updates, confirming the matter was pending with underwriting. 
- XXXX XXXX : I escalated the issue to supervisor XXXX ( XXXX ) due to adverse actions impacting my credit report. 

Despite being assured of no adverse actions while my loan was under review, TD Bank has reported late payments for 120 days and an outstanding balance of {$12000.00} to credit bureaus. This has resulted in my credit score plummeting from XXXX to XXXX, creating severe personal and financial hardship. 

I believe TD Bank 's practices in this situation violate ethical and possibly legal standards. I urge you to address this matter expeditiously, rectify the inaccuracies reported to the credit bureaus, and ensure fair treatment moving forward. 

If this issue remains unresolved, I will be forced to seek legal counsel and consider sharing my experience publicly to highlight these questionable practices, particularly concerning how they disproportionately affect individuals in marginalized communities. 

I appreciate your prompt attention to this matter and look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-07-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

I have a letter from Green Tree Servicing that my mortgage is entitled for forgiveness. Since I have been calling them, only to hear that they are still working on the lien release. When I called them today, this guy told me that it was n't forgiven and that it is on my best interest to start making payments on the loan, to be able to keep the house. This loan is discharged in bankruptcy and this guy was really pressuring me to make payments.
Consumer complaint received 2020-08-24
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: NRA Group, LLC (RI)

I submitted a complaint just the other day and the companies response is the same as it has been since I started this. They keep telling me to contact the " client '' which is XXXX XXXX. XXXX XXXX   sent me a packet which I filled out and mailed back as well as faxed over to them back in XXXX. This is completely unacceptable response. XXXX XXXX needs to get their stuff together and organized and this company needs to remove this false information off of my report immediately. I have kept records of all the information and letters I have sent and ready to file legal action if it is not removed promptly. I've attached the fax I sent as well as the previous complaint response below : Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response NRA Group , LLC has received this complaint. The consumer was advised to fill out the dispute packet and mail it back to the client. We provided them with this packet and billing on XX/XX/2020. The consumer will need to fill out what we sent them, follow the instructions and mail back to the client. Per the client the {$90.00} is owed.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I received a written letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX regarding an account. The written letter offered the option of " 1 payment of {$640.00} '' after which my account would be considered " Satisfied in Full '' once the payment is successfully posted. ( Please see attached letter ) I paid the {$640.00} ( please see attached section bank statement noting payment to XXXX XXXX ). XXXX XXXX now reports my account as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', with a reported balance still owing of {$1100.00}. The original balance reported was {$1800.00} -- XXXX XXXX XXXX has simply reduced the balance by the payment of {$640.00}, rather than updating the account to " Settled in Full '', as promised in writing. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I recently file a dispute with Equifax , I provided a copy of the tax document showing that XXXX issued a XXXX for the debt. Equifax only deleted the historical data and did not update the account to show XXXX balance. This is the second time that I have had this problem with Equifax and XXXX. I have attached the tax document as well as a copy of the dispute results. I do n't understand why I continue to have this problem with Equifax , I send the same information to the other credit reporting bureaus and it 's updated with no problem. I would also like to know if there is any legal action I can take against Equifax for this matter. This is the second time I have had to use CFPB to get this corrected.
Consumer complaint received 2015-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc. (TX)

Good Morning, I pulled my credit bureau report from XXXX and I discovered EOS-CCA had a debt account inherited from XXXX XXXX XXXX tied to me. All information and letters stating I had an account in collections with them never reached me as they were sending all correspondence to an address inhabited by other parties and not owned by myself. They refuse to acknowledge the fact that I never received any correspondence and have the documentation to prove I was on a lease in another city as well as employment information that I am employed in another city so I was not able to receive any correspondence to handle this issue before they submitted my account to the credit agencies.
Consumer complaint received 2015-11-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

AFNI has once again started to collect on a debt that I have disputed and have been proven to be settled/paid with XXXX. today I received a letter and I called AFNI. The agent stated that they never have had this account and I told him that they removed it from my credit report on XXXX XXXX, XXXX. He refused to listen to me and said I to pay it. XXXX is billing for cancellation of my contract. At the time I cancelled, around XXXX of XXXX, I went into XXXX to complain about the lack of service I was receiving in the new area I move to. The agent said their was nothing they could do about the service but would allow m to cancel. So, I did and went with XXXX. I never got a call or heard anything from XXXX until XXXX. So, I started to dispute their allegations. XXXX is hiding behind this collection agencies and they continue to harass me.