davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MO)

I have had several issues in the past year with Equifax. I have no issues getting credit information thru XXXX or XXXX. Equifax claims there is no credit information tied to my name, address or social security number. I contacted my bank whom I have had several auto loans thru and they stated they are sending information to all XXXX bureaus every 30 days. I contacted Equifax and they tried throwing everything in my court saying I needed to prove who I am by sending copies of my drivers license and social security card via fax. How is it that XXXX of the XXXX bureaus have no issue with my identity and reporting from multiple lenders yet according to Equifax I do n't exist? Honestly, I am extremely uncomfortable about having to prove to Equifax who I am when I have already done so with all the lenders whom I have accounts with.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PA)

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX Account # XXXX Please resolve this matter as soon as possible.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MI)

I have sent 3 dispute letters to Equifax asking them to provide proof that these accounts belong to me and that I agreed to pay the debt. They have 30 days to respond to each letter. They have only responded to the first one stating that they have investigated and they will not re investigate these accounts. They have not sent me any valid documents proving that the accounts are accurate and belong to me. according to the 609 Credit reporting Act it is against the law to report unverified accounts to a person 's credit report. If the accounts can not be verified then the credit bureau has to remove the accounts promptly. They have failed to do so. The last dispute letter was sent XX/XX/2017. They 've had more than enough time to provide me with proof that the accounts on my credit report belong to me. All three dispute letters were signed, notarized, and sent with certified mail. The unverified accounts that remain on my credit report are as follows : XXXX
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Hello, In regards to the XXXX report of : {$54.00} that is reporting as a closed debt. This deoes not belong to me and should be removed form my CREDIT REPORT immediately. I am sick and tired of Equifax reporting inaccurate information under my name and social security number. I went thru XXXX years of having a gawd XXXX eviction reported which was just removed after numerous attempts stating it was fraudulenty and not belonging to me. You people have ruined my financial life. Azz wipes! 
You people are pathetic and I hope something really bad happens to you and your business ... REMOVE THE RECORD NOW!
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to at least XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/XXXX or XX/XX/XXXX, and they completed the request on XX/XX/2017. The request that I submitted included at least XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2-3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. When I received these letters from Equifax, my name was spelled incorrectly on multiple letters. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

I recently again submitted a inquiry dispute with equifax stating that most of the inquires i did n't authorize and I want them to reinvestagate due to several alerts from my XXXX that my information is being sold on a XXXX market website. Well on XX/XX/2016 I was sent back XXXX reinvestigation results stating that the inquires were of factual record of file access and if I believe it was unauthorized to contact the creditors which I have done once again I was told by a majority of the creditors in order to dispute the inquires I would have to redispute them with equifax and equifax would send information to the creditor to start a dispute. I recently contacted equifax XXXX Thursday, XX/XX/2016 and spoke with a representative ID # XXXX and she explained to me that equifax does not dispute inquires even tho equifax website says it does and allows consumers to dispute. EQUIFAX has been misleading with this information therefore I would like to have this consumer reporting company investigated due to false and misleading information and allowing incorrect information to be put on a consumers report without acknowledgement and authorization
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NC)

On XXXX/XXXX/2016, I rented a car from XXXX XXXX and on XXXX XXXX, 2016 turned in the car at the airport in my city. On XXXX/XXXX/2016, when I made the online reservation, I prepaid for the vehicle for the amount of time needed. On XXXX/XXXX/2016, I was charged an additional fee of ( {$78.00} ) which appeared on my Discover Card statement. I contacted XXXX XXXX but was not given a reason for the extra charge. However, the amount ( {$150.00} ) which I prepaid to use the vehicle was validated. I contacted Discover Card to dispute the ( {$78.00} ) however was unable to get my money back because XXXX XXXX simply provided a copy of the bill for the extra charge. Discover Card did not understand that I had already paid for use of the rental car when I paid ( {$150.00} ) and that no additional charges or fees were necessary or warranted. There was no damage to the vehicle and there was a full tank of gas. When I spoke with the billing department of XXXX, the individual with whom I spoke could not explain the extra ( {$78.00} ) and referred me to the airport location where I rented the car. When I finally reached someone at the airport location of XXXX, I was told to call the billing department with customer service. 

I am getting the run around from both XXXX and Discover Card, but need my money back from the double dip that XXXX placed against my credit card account.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK (FL)

PLEASE SEE ATTACHED FOR ALL DETAILS ... Summary Here -- XXXX I received a call from " XXXX XXXX '' supposedly ( it was actually XXXX XXXX ) with a special offer to transfer all my credit card balances onto one new Card ( ended up being Discover ), and that the transferred amount would be interest free until paid off at {$250.00} per month. The cost for this was {$1900.00} and was charged to my XXXX XXXX card ( see attached ), and then transferred to the Discover card. They did not mention anything about a transfer fee to the new card, and I was charged an additional {$420.00} for that. I was also told that the new Card I receive would have a low interest rate for life, but when received it was actually 23.24 % ( see attached ). I called Discover about the transferred balance, and they told me it was only interest free for one year and they never do " interest-free for life ''. I called XXXX back who was my main contact at XXXX and it took me about 5 calls over several weeks before I finally got her on the phone just before XX/XX/XXXX. She said the offer was indeed valid and that she would send me an email confirming that. She still has n't, and I 've called and left messages for her 5x since then, and emailed her 4x and she has not returned my calls nor emails. PLEASE SEE ATTACHED VERY DETAILED PAGES WITH ALL DATES, TIMES, LENGTH OF TIME SPOKEN, EMAILS AND NAMES OF THOSE CONTACTED. ***NOTE - I tried to enter the amount lost below but was unable to. It 's {$2400.00}.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

There is a judgment on my credit report that was dismissed. It should not be showing up. Attached is a copy of the documentation direct from the XXXX County Clerk of the Courts Office. 
I have written a few times but the credit bureau will not remove it. Please help, I am unable to get a mortgage approved because they will not fix it.
Consumer complaint received 2016-05-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

I have been disputing incorrect information on equifax credit report. I have submitted letters and proof that these XXXX accounts showing as potentially negative should be showing as satisfactory. I keep getting letters from equifax that I have to be specific with my concerns and providing account names and nature of dispute. Equifax is just disregarding my dispute as I have sent them numerous times letters I received from the creditors stating the accounts should be showing as satisfactory Paid and paying as agreed. Equifax is reporting incorrect information which is affecting my score and obtaining credit.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

Had XXXX XXXX XXXX for approximately 15 years and sold my residence. When I called and cancelled my service the representative asked where I was moving to that they would like for me to continue to be their customer since I had been with them for such a long period of time. I informed them that where I was moving that there was no service for XXXX XXXX in that area, they went as far as having an engineer do testing to see if there was any possible way to get me XXXX XXXX service. This was approximately XXXX of 2014, the engineer called me back and stated that I was correct in stating that XXXX XXXX did not service this area and advised me that when I go to turn my equipment in make sure I get a receipt as XXXX XXXX is notorious for not checking in equipment and turning it in to collections. On or about XXXX 2014 I delivered my equipment back to XXXX XXXX and low and behold they said that their system was down and was unable to check the equipment in so I told them to give me a receipt for my equipment, which they did. Approximately 6 months later I get a bill from XXXX XXXX for the equipment, so I called and sent in the receipt showing them when I turned it in they said no problem we will get this taken care of. 6 months later got another bill for the same thing spoke to XXXX different people and they stated we will take care of this. So I ran my credit a couple of months ago and now there is a collection item on my credit report that someone from XXXX was suppose to take care, called and said no problem we will take care of this. So I have waited a couple of months and re ran it and it is still on my credit. It is very sad that the cost of telecommunications is outrageous and you pay it religiously every month and when service is stopped for whatever reason you just become a number and if your credit takes a hit because of their poor customer service so be it as they seem to owe you a thing.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

In early XXXX of last year ( 2016 ) I began a home refinancing process with my local Chase Bank. At the outset of the process I was given a document to choose how I wished the monies in my impound account to be dispersed at the finalizing of the loan. The choices were to either use the funds in the paying off of the old loan or to have the funds reimbursed back to me in a check. I chose to have the funds returned to me. ( That document is attached in the number of documents I attached at the end of this process. ) At the signing of the loan documents on XXXX XXXX, 2016, I was shown that the balance of the mortgage loan at Chase was XXXX, XXXX. XXXX. Upon a call to Chase Customer Service Department, in late XXXX 2016, to inquire about the release of the those funds in the impound account, I was informed that those funds had been applied to the pay off of the loan Chase was giving me. I had no knowledge of the vast discrepancy in the payoff amount and was laboring under the apparent delusion that the funds in the impound account belonged to me solely and could not be used for anything except the paying of my property taxes and home insurance. I am XXXX XXXX XXXX and I believe I was taken advantage of. Chase did not fully disclose what was happening and I was left in the dark and am now out of the {$4000.00}, + dollars I believed were mind to do with as I please at the end of the refinancing process. Another thing, I was encouraged to fold the amount of my property taxes, due XXXX XXXX, 2016 ( {$3000.00} ) into the load so that closing could be expedited and was assured that I would recoup those funds in the refund of my impound account, an assurance given by the lender handling my loan and the person conducting the final signing, a representative of XXXX XXXX XXXX of California. In a document date XXXX XXXX, 2016, I discovered how the funds were applied to the loan. I remain disheartened and disappointed and angry that I was taken advantage of.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

I REQUEST MY FREE ANNUAL CREDIT REPORT FROM WWW.ANNUALCREDITREPORT.COM AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

I had an account in collections with XXXX XXXX XXXX. I paid this account off as of XX/XX/XXXX. I saw this was still being listed as an open, negligent account on Equifax and started the Process of disputing the information as of XX/XX/XXXX. ( original dispute # XXXX ). On XX/XX/XXXX Equifax closed the dispute and did not update the information and stated that XXXX was validating the information on my report. I spoke to XXXX many times to confirm the account was in fact paid in full and they have sent multiple letters stating the account is resolved. I am in the process of trying to purchase my first home and this is still an ongoing issue. I opened another dispute on XX/XX/XXXX, ( XXXX ) and on XX/XX/XXXX Equifax again confirmed that the information was correct and closed the dispute. I spoke to XXXX again and received a copy of the Universal Data Form which states all my account information and confirms that the account has been paid in full and is now closed. I filed another dispute with Equifax on XX/XX/XXXX ( XXXX ) and supplied the UDF. XXXX responded to the dispute today, XX/XX/XXXX and also resubmitted my updated information to Equifax ( control # XXXX ). I was told by Equifax that this information is electronic and will be automatically reflected on my credit report once XXXX submits it. Now Equifax is still saying they have not received anything stating that my account has been paid in full. Their negligence is hurting my credit score and my ability to purchase my first home and I have been relentless in trying to get it resolved, and I feel helpless.
Consumer complaint received 2016-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CT)

XXXX XXXX, XXXX I received a letter giving me a trial modification with Seterus. The trial went from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I paid all the trial payments on time and did n't receive a modification. I have n't received anything in writing to inform me of the status of my loan. 
After the XXXX XXXX was made I called asking about converting the trial modification over to a permanent modification I was told it was n't completed. I was verbal directed to continue paying the modification amount until I heard from Seterus. 
I am on emergency mortgage assistance program under CT Housing Finance Authority. I pay a portion of my mortgage to CHFA and they pay Seterus my whole mortgage payment. Toward the end of the trial I found out CHFA was paying the whole amount of my mortgage not the modification amount. When CHFA called Seterus wanting the difference back between the mortgage amount & the modification amount they were told the difference went to my principal balance. I was told my trial mod was n't hurt due to the higher payment being made. 
When I called XXXX XXXX, XXXX I was verbally told I was n't getting the mod because my account was n't behind, it was now up to date. I upheld my side of the agreement - Seterus failed to upheld their side of the agreement. Seterus has not converted my mortgage to a permanent modification.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (ID)

In XXXX 2015 I checked my credit report and seen many accounts that did not belong to me, but had my personal information. I called the credit bureaus who told me the next steps that I needed to take which was to fill out an FTC affidavit and file a police report. Once I was done filling out all the fraudulent accounts I was to send a copy to all three bureaus with copies of my government identification. As time went on I discovered more and more accounts that kept popping up that were not mine. I followed the same routine and sent back updated information to the credit bureaus. XXXX & XXXX were the only ones who fully cooperated with me and blocked the fraudulent information as requested. Equifax is still reporting this fraudulent information after multiple attempts to correct it with them. Each time they say that they are sending the information off to the creditor, each time they do that nothing happens. I have contacted the company in question multiple times on my own and I will also be filing a complaint against them. They claim that because I am working with an attorney they can not talk to me about the fraudulent account. This has been going on for months. The only credit bureau that is still reporting XXXX XXXX XXXX is Equifax! After reviewing their latest update today they have added yet another fraudulent address to my account. I have never lived in the state of Oregon, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2015. I also ave never lived at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2015. The previous address is the one in question with the identity theft. They are not deleting the incorrect information and it 's been going on for months with no resolution. I am frustrated and sick and tired of Equifax and their shady business practices. Each time I call I get the run around and they keep claiming that the account is " verified '' but they never send me anything on how it was verified. How can it be verified when I 've sent multiple certified letters and faxes to XXXX XXXX XXXX with no response or verification and they can verify it?! I 've never lived here or at the address in XXXX! I am frustrated, because at this point I feel like this credit bureau is just doing this to screw me over.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

I was told previously that my payments could not be reduced and so I was told i should go into forbearance so I did not have to pay anything back at the time. however, doing so my loans collected lots of interests and now I have to pay a very large amount of money back and can not afford it. I am now in the REPAY program and of course that balance is still collecting interests. Their is no lead way for borrowers struggling such as myself to have my loan forgiven or even a partial. I have been with my XXXX job for 3 years gping on XXXX in XXXX and the fact that I am not a full time employee I do not qualify for the loan forgiveness. I believe being with the company for this amount of years should could as some sort of acceptance to have my loan forgiven. the years should factor into this option of loan forgiveness even if it is not the entire loan. I was tricked into going into these plans that only made it harder for me to have the ability to buy a home or car without having a co signer. my credit is only ruined because of my loan. My loan was taken out at University XXXX XXXX. The fact that people have to pay such large amount to attend school is what makes people not want to attend any longer, thus causing the higher education rate to decrease tremendously.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I received an alert from my credit monitoring service that I had an account placed in collections, which I knew was inaccurate because I have no accounts which are delinquent. I contacted the collection agency about the alleged debt, and they refused to advise who the original creditor was, so I sent them a dispute of debt validity via certified mail. After that, I disputed the information with one of the other credit bureaus, which, after reviewing the information, agreed to remove it and promptly did so within XXXX hours of my contacting them. 

Equifax, however, has refused to remove this information, despite the fact that after repeated contact with the collection agency, I discovered who the alleged original creditor was, and they even confirmed that this alleged debt ( from XXXX and a XXXX years ago ) did not exist and that they did in fact NOT send it to collections. 

This information needs to be removed immediately and I have disputed it twice now with Equifax to no avail, despite the other CRAs acknowledging this information is indeed erroneous.