davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

XXXX XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I am a recipient of NYS XXXX. My coverage renewal was mailed to me XX/XX/XXXX. I had to fill out my NYS renewal forms and mail it to : Mail Renewal Program, XXXX, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XXXX that I found out that I no longer had XXXX XXXX Coverage. So, my coverage was canceled from XX/XX/XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the social service office at Medical Assistance Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XX/XX/XXXX. The reason why this is important is because during the time when my XXXX care coverage had been canceled from XXXX to XXXX 2015 I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the XXXX is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
Dr XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX XXXX # XXXX service date XXXX. My NYS XXXX Benefit Account # is XXXX My Managed Care XXXX card # is XXXX. I am requesting that NYS XXXX or XXXX XXXX XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

On XX/XX/2016 I sent out two separate letters to XXXX XXXX XXXX, they have 2 separate accounts listed on my credit report stating that I allegedly owe {$370.00}. I disputed these matters with them and never heard a word from them with proof of ownership of mine for these accounts. They have still to this day yet to furnish proof of me owning this debt. They are way past the 30 day reporting timeframe and have broken the law.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MI)

XXXX : XXXX I tried to register a complaint with the Michigan XXXX using the online complaint form regarding the XXXX XXXX XXXX account that was reported in 2014 on both XXXX and Equifax. However, despite me clicking the " company '' option as opposed to the " person '' option for the XXXX complainee sections it insisted I fill in a first and last name as if it were a person. It highlighted these fields in red and would not process anything until I filled them in to no avail. So I wo n't be retyping it. Just wanted to let you know that those who may want to, ca n't. Both XXXX XXXX XXXX and XXXX have no name to contact.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

I recently received a credit card From XXXX XXXX and the legal information on the back of the page with my card says that " Under Federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact Equifax : ... '' Listed after this are the phone number a mailing address and a Website. I tried by phone and via the Website and I was unable to get a free credit report. 
The Website has a section entitled " Reason for Credit File Request '' of which none of the responses matches the exact nature of my inquiry and none that I tried because they are close, will produce a free credit report. In all cases, my only option is to pay for the report. 
I attempted by phone and after going through all of the prompts I was taken to a busy signal. 
If I am entitled to the report by federal law I believe they are violating that law.
Consumer complaint received 2015-08-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AR)

Per Equifax reinvestigation confirmation dated XX/XX/XXXX, Equifax has provided my information to XXXX XXXX, XXXX, and XXXX without my permission and authorization. I did not file a dispute concerning these XXXX companies. I do n't have an active account with XXXX XXXX. I have never had a XXXX account. I do have an account with XXXX, but I do n't have any disputes regarding my XXXX account. It hasnothing to do with my account Equifax dispute. Also, per this confirmation, Equifax has removed my home address from my credit file. I did not dispute my address and Equifax has refused to tell me why they removed my home address. Equifax requested a copy of a bill showing my home address. I provided Equifax with copies of my current XXXX XXXX XXXX bills in order to restore my home address as the 1st previous address on my credit file. My PO Box address is listed as the current address. My issue with Equifax began with a fraudulent inquiry from XXXX XXXX XXXX. Following my request that Equifax remove thefraudulent inquire, Equifax has continued to escalate the issue by removing my home address and now sending my information to XXXX more companies. I have contacted Equifax via telephone numerous times and by submitting numerous disputes. I have placed a security freeze on my credit file. As a result of the credit freeze, Equifax sent me a letter stating that they have received a new address and change of address request. I do not have a new address and I did not submit a change of address. Equifax is referring to my PO Box as a new address. My PO Box has been on my Equifax file since XX/XX/XXXX. It is not new. I have attached a copy of the confirmations dated XX/XX/XXXX and XX/XX/XXXX, along with a copy of the change of address notification that I received. This is beyond ridiculous! 

I want to know what information was provided to XXXX XXXX, XXXX, and XXXX. I want a copy of the documents that were provided to each of them. I want to knowwhy my information was provided to these XXXX companies. I want my home address restored as the 1st previous address on my credit file as it was on my Equifax XXXX dated XX/XX/XXXX and prior. I want a correct copy of my Equifax credit file that includes my physical home address as the 1st previous address.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax And XXXX Did Not Address My Dispute In Regards To The Date The XXXX Account Was Closed. As A Result Damaging Information Is Continuing To Be Reported To My Equifax Credit Report Even Though A Period Of Over 7 Years Has Long Passed Since The Disputed Account Was Closed For Account # XXXX The Disputed Account Is Still Showing As A Charge Off.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I recently checked my credit report ( Eqiifax ) and noticed a problem in my personal information. In my address information, I checked the listing and noticed an inconsistency. 
" XXXX XXXX XXXX XXXX XXXX, NJ XXXX First Reported XX/XX/XXXXLast Reported XX/XX/XXXX '' I never lived in XXXX, nor do I plan on moving there. So I have good reason to suspect there is a potential identity theft going on. Please help!
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC. (WA)

I was seeking information on lower interest rates for mortgages for my Daughter. When the form asked for my SSN, I opted out not wanting to give my SSN since I was not inquiring for myself. At this point I assumed it would close the form and no harm done. This appeared as a hard inquiry on my XXXX and Equifax Credit Report that resulted in lowering my Credit Scores.The company that filed the inquiry was XXXX XXXX.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

I have disputed items with equifax multiple times on items I knew that did not belong to me. XXXX conducted their investigations just fine and deleted the fraudulent i tems. Equifax refuses to delete them, however. They have given me no other choice but to file a complaint against them and their practices.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Under Public Record Information : All my credit reports are showing this information, A Chapter XXXX Bankruptcy which shows it was Dismissed which in fact it was not, further more I never filed a chapter XXXX bankruptcy and after contacting the bankruptcy court myself they told me removing this information off of my credit report is the credit companies responsibility not theirs. I have tried and failed to get the credit bureau 's to remove this false information off of my credit report so now I 'm needing a higher authority to help me get this information off of my credit report!
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (SC)

I am real estate attorney who is trying to pay off a loan being serviced by Seterus , Inc. Seterus refuses to give me payoff amount because they received this loan Fourteen days ago and have not yet sent my client a welcome letter. My client only wants to pay this debt off in full. Seterus has informed me that it will be another XXXX Days before a payoff can be generated, although they acknowledge that they are the servicing company for the loan.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

I went on credit check total to get my FICO scores and I was able to obtain XXXX and XXXX but it states Equifax is not available. I have been having this issue with Equifax for over 6 months and nobody can tell me why my FICO score does not show. There is no freeze or fraud alert on my account so I do not know why it will not show!!!
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (CA)

I have the Discover " it '' credit card, this company seems like its a scam. I had the card for about over three years now. My over all balance is about {$7500.00}. I pay my bill every my bill every month some times late but nevertheless I pay the bill. I have been harassed and aggressively hounded by discover sometimes every day until I make a payment even when I already made a payment for that month. None of my other billers, utilities, or credit cards do what discover card is doing. My balance is not going down. at all it is still {$7500.00} over XXXX years of paying my bill, on time in the past.
Consumer complaint received 2016-02-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (FL)

One of my student loan providers is Discover. I 've attempted to call them and ask them for a lower monthly payment plan but they advised they do not have any plans like that. They only offered to provide a forbearance in which I 'm not interested in because I do n't want to have my interest increase. I mailed them a request in writing to list all the options they have to help me pay them but they responded stating to give them a call. I am a graduate out of XXXX XXXX University and live pay check to pay check to get by. I feel the loan providers should be more flexible especially because this is a very known issue that happens to XXXX and maybe XXXX of graduates. Something must be done, this is simply unfair. I feel XXXX XXXX University is a scam and they promise a lot of things that they do n't keep.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MN)

Seterus has not provided me with my XXXX interest form in a timely manner. They have removed my online access since the account was paid in full in XX/XX/XXXX. Therefore I have no way of obtaining the XXXX other than waiting for them to mail. They claim that they mailed it prior to XX/XX/XXXX, but I do not trust or believe them. I would appreciate them providing me a copy of my XX/XX/XXXX XXXX interest form and I would also be interested in seeing proof of their claims that they 've mailed the form to me timely. They have my correct mailing address and verified this with me, but I 've still not received anything. Their standard answer is 'We can not control the mail '. They provided the figures to me over the telephone but I feel more comfortable with the form in hand since I do not trust them due to this same issue occurring last year and issues receiving our overpayment after payoff this last fall. 

I fear they may be compromising my personal information by possibly sending the XXXX form and possibly our refund from payoff to our previous address. I hope this is not the case, but I am not comfortable with the situation.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (FL)

There is a foreclosure sale date on Monday XXXX XXXX, 2016. Due to XXXX XXXX, our house is subject to a moratorium in foreclosure activity. Suntrust has not dismissed its action to prevent the sale of the house in violation of the Presidential proclamation of an emergency as well as the XXXX order to prevent foreclosure activity for houses subject to the proclamation, such as mine. We sent a notice of error to Suntrust on XXXX XXXX, 2016 via email to Suntrust 's counsel of record and to Suntrust via certified mail. Suntrust has acknowledged receiving the XXXX but has not responded despite the fact that there is only one more business day before the sale of the home. Suntrust is not taking the appropriate action to ensure the house does not get sold at the foreclosure auction.
Consumer complaint received 2016-06-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (AZ)

Being sued for non-payment of a private loan, but do not have any records of taking out a private loan. Was not notified of any collection until the lawsuit and now wages have been garnished. Looking for documentation to verify original lender and what date the loan was issued, amount of debt actually owed, and when last ( if any ) payment was made toward this supposed debt.
Consumer complaint received 2015-11-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (MD)

I was contacted by American Education Services. They say I cosigned a loan but they cant give me information because my birthdate doesnt match their records and i would need to send proof of my birthdate. How does a cosigner get approved with an incorrect birthdate. I have never been contacted till now. The applicant said she has received no statements in over a year at the time {$700.00} was paid and the statement said XXXX balance. Now they want to put me as cosigner on the hook for $ XXXX they claimed is owed after sending the applicant a statement with zero balance. 
If there was a $ XXXX balance why wasnt I or the applicant contacted for payment. They asked me to send a copy of official proof of my birthdate before they will release information to me as cosigner. When the credit check was run for cosigner that should have been a red flag that the birthdates didnt match and denied.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (AL)

XX/XX/2015 I made an automated payment to Suntrust Mortgage for my XX/XX/XXXX payment. The automated payment was made before XX/XX/XXXX over the phone where I had to enter my account information by touchtone phone. I noticed after a few days that the payment had not been withdrawn from my bank account so I called Suntrust to see if there was any issue. They said they had gotten my automated request for payment and there was NO issue, and that the payment should be withdrawn within just a few days. More days had gone by and it was becoming increasing close to the end of the month and still not withdrawn from my bank account. I called Suntrust again and had gotten the same response, we have noted on your account that you made an automated payment, just give it some time to hit your bank. On XX/XX/XXXX, there was still no withdraw for my XX/XX/XXXX payment so I called Suntrust again. A man told me that yes he sees the automated payment, however, the account number was not entered correctly so the payment was now late. I immediately gave him my information to make my XX/XX/XXXX and XX/XX/XXXX payment and it was withdrawn from my bank account. I asked if there was going to be a hit on my credit for a late payment and he said likely not. On XX/XX/XXXX, there was a late payment noted on my credit report for my XX/XX/XXXX payment with Suntrust mortgage. I called to speak with someone and they said they had no resolution other than apologizing for not informing me of the mishap in the 3 prior times that I had called to ask if there were any issues. I never have been late on my mortgage payment prior to this, or there after. I still have a 30 day late reporting to my credit report after MULTIPLE attempts to rectify the situation immediately.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

According to my credit history report, I have a line of credit to a mortgaged company requested in 2012. I have never requested this line of credit since at that time I was only XXXX years of age. I believe someone has used my personal information including my social security number to access and request this line of credit. Please investigate, thank you.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

I disputed a bankruptcy on my credit report. I have sent in 2 letters asking for verification of this account. I also spoke with XXXX in Texas on XX/XX/2017, and he informed me that they completed the investigation but he could n't tell me who did it he said it was done electronic and it was not his job to verify if it was valid or not. He also informed me that they will not reinvestigate this ever again.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (IL)

Citibank response to complaint number XXXX handled by XXXX XXXX from Citibank was inaccurate and incomplete. I have never been given a Client Manual of Consumer Account from Citibank for any of my checking accounts. In his response to my complaint he supposedly downloaded this manual for for my review of Citibank policy in regard to stop payment of checks, but only the cover page of manual was enclosed. ( I wonder if this was done on purpose and used as reference just to deceive CFPB and me ). The records on my checking account were modified in regard to check number XXXX for {$1700.00}. Teller # XXXX does not appear on the records anymore and neither a copy of the check is available for my review unlike with previous checks I have written.
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have disputed this account reported to Experian, from XXXX XXXX Bank. 
This account is too old to be listed and I have disputed it several times. I received a letter from Experian that they are not reinvestigating this dispute and considered it a frivolous request. Account # XXXX dated XXXX/XXXX/09 Please contact and help me resolved this issue with credit bureau.