davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MN)

Our mortgage was sold to Seterus. In XX/XX/XXXX we changed our house insurance. Currently, our insurance has now lapsed even though Seterus claims they paid it. XXXX has n't received payment. They have essentially refused to give us an accounting of the escrow account. The old company was paid and returned the check. I sent a {$2000.00} payment to Seterus labeled " FOR ESCROW ONLY!!! '' to restore the escrow to a positive balance due to what appears as over payments of insurance. They put those monies on the principal. ... As it stands our escrow is deficit, we have no house insurance and we can not get any facts on the account from them or from the online portal. The tax department says the winter taxes were paid. The escrow department says they were not. The last standing online records were from 2014. I suspect when we call in today they will not correct where the money was applied in the wrong place. This problem has been ongoing since XX/XX/XXXX. Again, we do n't have home owners insurance currently. We need help from an entity that this company is forced to recognize.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

I have submitted the original dispute concerning XXXX XXXX XXXX account closed XX/XX/XXXX to Equifax. Eqifax may or may not be investigating, but they have as the result of my dispute submission placed misleading information on my credit report. One statement made on XXXX/XXXX/XXXX states : " XXXX days past due - XXXX XXXX XXXX XXXX ''. Another alert dated XXXX/XXXX/XXXX states, " XXXX XXXX XXXX has flagged your account as Not more than XXXX payments past due ( 2 ). Potentially Negative Alerts notify you when one of your accounts has information that may negatively impact your credit score. '' My original dispute was about the report from XXXX XXXX XXXX. After my house was destroyed by fire on XXXX XXXX, XXXX, I sent XXXX XXXX XXXX an insurance check which I had endorsed for the payoff of the mortgage. This check was mailed around XX/XX/XXXX. I continued to receive bills and past due notices from XXXX XXXX XXXX. Then in XXXX XXXX, I received a statement from XXXX XXXX XXXX showing that my payoff check went into an account they had established in my name without my knowledge or consent. At that time I contacted XXXX XXXX XXXX and was told that it was their policy to not accept payoff on a mortgage without a written notice from the account holder. I complied by sending a request for payoff. It is interesting that although the check was for quite a bit more than original payoff amount, I received no refund for the additional amount. They accepted the check without refund or asking for additional funds. I find that too strange for coincidence. XXXX XXXX XXXX XXXX should be able to verify that they did provide the check for payoff.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I secured a mortgage in XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title deed and mortgage lien.In XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was XXXX XXXX XXXX that claimed to be an injured party on all thee credit bureaus starting in XXXX. I have never signed any contract or owe any money to XXXX XXXX XXXX. In XXXX XXXX, XXXX removed XXXX XXXX XXXX from my credit report. Equifax and XXXX refused to remove XXXX XXXX XXXX from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by XXXX XXXX XXXX under fraudulent circumstances. I want them removed from all my Credit Reports immediately. XXXX XXXX XXXX is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even XXXX XXXX XXXX. Please help me resolve this matter as soon as possible
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

I have disputed my collections accounts with Equifax and XXXX. They have not properly verified these accounts according to law. The accounts are collections accounts from creditors that I have no knowledge of. And the medical collections are HIPPA vilations for I did not sign for a third party to retrieve any information from me. On the receivable recovery they had a different doctor on the reoprt and switched to another doctor. I had never seen these doctors. I feel violated to see how easily my personal and medical information can be sold at a dime. I have also disputed inquiries that do not belong to me and verified my identity just to have a fraud alert placed on my account and say, call the person who placed the inquiry. When I call for the inquiry to be removed then the creditor say call the credit bureau. I get the run around everytime. I get alot of misleading information. When I ask for a supervisor, they can never come to the phone.
Consumer complaint received 2016-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: EQUIFAX, INC. (MI)

All of my records state that the next available payment is due on all loans on XXXX/XXXX/2016, however, my Equifax credit score is showing a XXXX point decrease due to what seems to be a missed payment. I have been in loan deferment/forbearance since XX/XX/XXXX. I want to know why this drop occurred, when all payments are not due until next month.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

I have a serious problem with disconnects between credit scores. I recently obtained my fico scores from my fico. The scores reported were Equifax XXXX XXXX and XXXX XXXX. I thought these scores were n't great but the were high enough for me to qualify for a mortgage. Wrong. I find that they have a separate score foe mortgages that were about XXXX points LOWER than the scores given to me. How can this be? So here I am excited at the prospect of owning my home and I come to find out that probably will never be. Yes I have had some credit problems 6 years ago! I would like to know how these scores are derived. Something has to be amiss. I am a single mother and XXXX veteran and because of these faulty scores I ca n't even use my va loan benefit. It appears that this whole credit reporting thing is a scam. In the past 2 weeks I 've spent about {$100.00} to get faulty information. These people are not regulated properly and people with mistakes that the credit bureaus refuse to fix pay the price.
Consumer complaint received 2015-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

Equifax has been notified to remove an " authorized user '' account that I was never liable for XXXX and refuses to do so. Also, the creditor in question ADDED an additional " auth user '' account on my credit, lowering my score even further. I never authorized anyone to add me as an authorized user, was never in possession of those cards, yet Equifax refuses to delete it off my credit bureau even though it clearly states " AUTHORIZED USER '' on the Equifax report. Obviously, I was NOT the account holder and this should be deleted immediately. XXXX honored my request, but Equifax did not even after several disputes. EQUIFAX EVEN ADDED A XXXX AUTH USER ACCOUNT further damaging my score. We have an urgent situation trying to find housing for XXXX XXXX kids ( XXXX ) and a XXXX citizen. Our XXXX family is large and we need to buy a house asap due to our lease expiring soon. This is causing a horrible burden to our family.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

After reviewing my Equifax credit report I see they are reporting a satisfied judgement with an open balance. I contacted them and they stated that the judgement is shown as satisfied but they have not changed the balance to XXXX to reflect the judgement was paid. XXXX is reporting it correctly and XXXX has stated they will be updating their report to indicate the judgement was satisfied in full and no balance should be indicated in my credit report
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in in XX/XX/. There was an error on their part. I was never 30 days late.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

I have submitted more than XXXX dispute with Equifax. This is the last XXXX. I have called 3-4 times. I have written a complaint letter. My mortgage company, XXXX ACCT XXXX, was removed from my report from all XXXX credit bureaus. Equifax has questioned why I filed a dispute. I was chastised for filing the first XXXX in XXXX 2015. I was questioned on why I filed bankruptcy. I was told by XXXX that he was n't sure that the information could be added back on my report. XXXX is not much better. Dispute XXXX was the first request with Equifax. Please help.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/XX/XX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted Equifax now its XXXX.
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I have dealt with NavientXXXX for the last 6 years and have always had so many issues. Not only have I been harassed with phone calls on payments, my family has been harassed as well. I have also never been advised to seek XXXXhouse income based programs for any of my student loans ( private, education or federal ) and have always been told that I can only apply for their programs, most of which I can not afford the payments based on my income. I understand there is a current investigation on this loan provider and I ca n't seem to find information on how to get involved with this investigation to see if I have been overcharged or scammed. Any information on this would be very helpful and much appreciated.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I have sent SEVERAL letters to Equifax requesting that they investigate and have only been met with responses containing semantic responses in an attempt to completely stonewall me in my multiple attempts to get this inaccurate information removed from my Credit Report. Each and every item in the attached letter is completely incorrect. I have contacted each of the data furnishers directly and have had no cooperation, and each and every company has had a lawsuit filed against them by me under FCRA and FDCPA by an attorney who represents consumers that have been wronged by financial institutions, which is why I am now holding Equifax responsible. 

The data furnishers can not prove that these debts belong to me, which again is why I am now turning to Equifax. 

What can Equifax show that shows these accounts belong to me and that they have conducted a proper investigation? 

I have contacted Equifax at least three times by certified mail. I do not want to sue Equifax, money is not what I am after, but if need be, I have been advised my a consumer protection attorney that my case is an individual case and could be a class action, both at XXXX out of pocket cost to me. 

I do n't know why I must spend so many countless hours trying to get Equifax to remove and correct these items. I am very upset by Equifax, and they are causing me a lot of stress. I feel like Equifax does n't even actually read the letters it receives. 

I have researched each and every item in the attached letter, and I 'm am hoping that Equifax takes this matter seriously and conducts a proper investigation. I do not want this issue to be handled by XXXX either. I need an actual person to take a real interest and conduct a real investigation.
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

This is not and never has been XXXX of my addresses. XXXX XXXX XXXX XXXX XXXX, MO XXXX. This is my ex-husbands current address and I do not reside with him. Please remove it from my Equifax report. Thank you. 
There is also a credit card on my Equifax report from XXXX - XXXX Credit Card XXXX XXXX, XXXX Closed {$0.00}. Please remove this. 
XXXX - This was never my debt it was a student loan my ex-husband took out and I never signed for this. Please remove - XXXX Student XXXX XXXX, XXXX Closed No Missed Payments {$0.00}
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

I read that the CFPB is suing XXXX and Navient. I believe that XXXX steered me toward forbearances instead of offering me lower payment plans. This occurred at least three times. I believe they tried to cover this up when the company split, and I was placed with Navient. If I look at my transaction history, all of my forbearances are listed as " adjustments '' and not forbearances. However, the cost of a forbearance was {$150.00} and lasted for 2-3 months. So, it is easy to see that each " adjustment '' was a forbearance. I believe the XXXX dollars of accrued capitalized interest on my principle could have been avoided.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

When we signed with XXXX XX/XX/XXXX going into XX/XX/XXXX I was XXXX and my mother was XXXX spoke minimal English, we were rushed through the whole process not aware of what we really got into. If I can not make a payment XXXX XXXX ( Navient ) will call my house 8 to 9 times a day, I have a XXXX father with XXXX XXXX and I have told them this before hundreds of times to stop, they call my cell phone 8 to 9 times a day, they call my mothers phone the same and have reached out to my family as well multiple times, I have spoken to them about my loan and how on almost 8 years I have been able to pay nothing. Forbearance was the only answer they gave me.
Consumer complaint received 2015-11-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

For the last few weeks, we have gotten numerous calls, from Navient. They ask for a person named XXXX XXXX. I tell them no one by that name lives here, and to please take my name off the list. They agree they will, then the next day they call again. This has happened at least 4 times that I remember. 

Today, an operator named XXXX told me that XXXX has given them our number as a contact. I said, " So you can contact him at another numer, why do you keep calling me? '' She refused to answer. 

She called from an office in XXXX, and from Navient 's website, I see they service student loans from that office. Her supervisor is XXXX XXXX, XXXX Collections Manager.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

They refuse to delete and account that is an account fraudalent/innacurate that does not belong to me. This account was used to obtain goods without my consent. They also are not helpful at all. From all the XXXX bureaus they work for the big banks not for the customer. 
I removed all the negative and bad account from XXXX, XXXX, EXCEPT ON EQUIFAX. I really dont understant. 
Please Help
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

I have called Navient multiple times to reduce my student loan payment on my signature loans. Every time I call I get the same old they can not lower my payment and my payments keeps increasing. The interest rate is insane. They really make it unaffordable
Consumer complaint received 2016-03-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

In addition to refusing to make negotiations via the mail, after repeated attempts to get answers without having to talk to someone on the phone ( which I contacted CFPB about a few months ago ), Navient has received over {$20000.00} in payments from me over the last 5+ years. I was horrified to find out that as of today, almost ALL of that money has gone into interest only payments. Of the XXXX loans that were taken out, only XXXX of them has decreased by around {$1800.00}. The rest of them have gone up - way up. In short, {$64000.00} has turned into almost {$75000.00} - and counting. This is a nightmare. I am making the only payments I can " afford. '' In all reality, I ca n't even afford the monthly payment for the plan they put me on. But after trying to negotiate with them on the phone this XXXX ( while on the brink of default ) and being asked all of my income and expenses, they came up with a random monthly payment after talking me through their 1 % interest plan. That number does not line up with my income vs. expenses - which are extremely high, and always have been. But according to their reps, this is the best offer they are willing to make. Even after explaining to them that I am an XXXX - living paycheck to paycheck, that I do not have health insurance because I can not afford it, and that I need to start putting money away for retirement ( but can not afford it ), there is still no other solution on their end. It is so incredibly disheartening that all of the money I have worked so hard to support myself with, and have used to " chip away '' at my student loans, feels like it is being thrown to the wind. It seems that no matter what I am able to afford, no payment is large enough that will make a dent in my principal balance. It feels like there is no end in sight, and I am increasingly frustrated with the way that Navient does business. It is truly criminal what they are getting away with - and I do n't know where else to turn. Having a college education should not warrant punishment, but that 's exactly what this feels like.
Consumer complaint received 2016-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NJ)

My complaint is against Navient. I was co-signer on my daughters college loan from XXXX XXXX in 2003, my father was the primary borrower. I have been paying this loan on time since my daughter started college. XXXX XXXX sold to Navient and now I am being harassed for missing payments and late charges. I have faxed bank statements showing every monthly payment that is made through my bank. My father and daughter have since passed away but I still continue to pay this loan. Every month I receive a letter and when I call I get a different answer each time I have asked them to stop harassing me as it upsets me considering my daughter and fathers passing but they continue to call and send letters. I can not afford an attorney to stop this from happening and do not know what else I can do. They are now threatening to send this to the credit bureau. I would appreciate any help you can offer. Thank you
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (IN)

There is a collections through Jefferson Capital Systems in my credit report account # XXXX from XXXX XXXX. I have tried disputed through the credit bureaus that it is not mine but have had no success. I called the company and they stated I lived at an address I have never heard of and a cell number I have never heard of as well. I told them it was not my debt and I wanted it off my credit report.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (HI)

Hello, I currently have student loans totaling about {$28000.00}. My loans are being handled by Navient.com. It was suggested that I apply for a Income Based Repayment plan, so I did. 
I currently do not work and our only income is my husbands income. I feel that it is not right to figure the payment amount based on my husbands income. I do not have a problem making a reasonable monthly payment or trying to figure out how to get student loan forgiveness. 
Navient calls me everyday from different numbers usually without leaving a message or they leave a computerized voice message. Navient sends me monthly email statements with different payment amounts every month. Some amounts are high and some amounts are low, never XXXX set amount. If proof is needed, I have saved every email that Navient has sent me. 
Please help me find a solution that everyone can agree on.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

In the aftermath of the Navient news, I wanted to add to the voices detailing loan mis-handlings by Navient. I consolidated my loans with XXXX and received confirmation from the state Education Department of Michigan that the loan with them had been paid. Even so Navient continued to seek repayment from me. I sent via registered mail a copy of the payoff confirmation letter.