davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

My loan was sold by Nationstar Mortgage in XXXX 2015. There was an escrow amount of {$3700.00} in my account. Instead of paying the taxes for that quarter, the company claims they sent the funds to the new servicer XXXX XXXX XXXX ( XXXX ) /XXXX. However XXXX claims that they have not received the funds and in turn raised my mortgage payment to account for the escrow deficiency. This has negatively impacted my credit because I was unaware. In addition, every time payments were made to my tax collector, it went to the arrears amount which resulted in late fees and penalties.
Consumer complaint received 2016-09-20
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MA)

We believe we have experienced some unlawful practices throughout the course of our mortgage refinances with XXXX XXXX ... XXXX of our largest complaints is that we subsequently refinanced with Quicken. I believe XXXX XXXX withheld monies in our escrow account ... They were never refunded directly to us or forwarded to our refinance. 
Our second complaint is in regard to Quicken Mortgage Refi. At the t of our refinance we were given XXXX ARM set at XXXX & for 5 years unless the interest rate dropped lower that the 3.75 % and if we requested we were eligible for automatic interest reset to that fixed interest for duration of the loan ... without cost. Quicken has not honored that promise.This is deception! We request your help for our sake as well that of others. Thank you, XXXX
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file to verify the accounts I disputed. Being that they are past the 30 day mark and can not " 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. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft and there is currently a charged off XXXX XXXX account ( XXXX ) being reported to my Equifax that I did not create. In my most recent dispute, I requested Equifax block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have sent Equifax a copy of an identity theft police report I filed with my local XXXX XXXX XXXX XXXX office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. In my most recent dispute, Equifax even refused to move forward because they are claiming that I have not sent them proper identification. I am using the same information Equifax is reporting on my credit so this is clearly bogus and just a delay tactic to make me have to wait even longer. XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Equifax is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Equifax is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am attaching a section of a recent credit report which shows how this account is only being reported to my credit by Equifax. XXXX and XXXX do not have this on my report. They deleted all records of this account because it was opened as a result of identity theft. How can XXXX and XXXX get a different dispute result for the same dispute I am sending to Equifax?
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

Basically, NATIONSTAR MORTGAGE continually raises my monthly payment by spending my escrow monies on fraudulent insurance policies which I have no need. The mortgage on the condo that I have owned for 16 years was recently reassigned to NATIONSTAR. I have been assessed fees and increases under the guise of " needed insurance ''. I have never let my property insurance expire since day one. Have annually supplied a copy of the condo master policy with flood insurance coverage and my " wall to wall interior '' policy to NATIONSTAR. Recently I refused another increase and forwarded my regular monthly payment, without their bogus increase, only to be advised that they were not going to apply this to my account. I now get threatening letters that they are going to report me to the credit bureaus for nonpayment. I am XXXX plus years old with a 820 credit rating that I value and do n't need to be threatened by these buffoons. 
I have tried, unsuccessfully, to settle these issues with letters, documents, and phone calls. 
I could go on and on. I have evidence to support my complaint. 
You would be doing the public a service if you could put this company out of business so others wo n't be harmed. 
Thank you.
Consumer complaint received 2017-05-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have disputed multiple   XXXX   XXXX   accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I am a California resident who is presently studying abroad. I was reviewing a copy of my recent credit report and found an account for total of {$60.00} in collections. I called the collections agency as below : XXXX, XXXX XXXX XXXX, CA-XXXX ( XXXX ) XXXX They are listed as reporting this debt to all three credit bureaus. It appears on my XXXX, Equifax, and XXXX reports. The collections agency said they are unable to mail or fax me any documentation because I am studying abroad now. They also refused to email me documentation because of " privacy concerns. '' I am unaware of what this XXXX dollar charge is, have never been contacted about it, and I am unable to obtain any documentation about it. 

Additionally I am unable to submit a my dispute of the information directly to the credit reporting bureaus. I was getting a security message error when trying to file a correction through the websites. Perhaps because I am abroad? Because I am out of the country presently and unable to find telephone, fax number, or email contacts for submitting concerns to the credit reporting agencies, there seems to be no way to contact the credit bureaus about this concern or obtain documentation about what this is. 

I greatly appreciate your help in resolving this. 

Thank you, XXXX
Consumer complaint received 2023-07-23
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (LA)

Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

( INACCURATE INFORMATION ON DATE OF LAST ACTIVE )
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Tried to log on to seterus.com to make a payment, multiple times. Each time I received an error message that directed me back to the main page. Attempted to make a payment via the telephone service. Made it part way through the service and received a recording stating that they were having technical problems and was disconnected.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I Received Notification That Exquifax Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX XXXX, And XXXX. Both Of These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My Equifax Credit Report Is Still Showing My Debt As {$4700.00} And This Is Not Correct. And The Equifax Credit Reporting Agency Should Accurately Report That The Balance is Zero.
Consumer complaint received 2017-03-23
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (OH)

Good morning. I 'm trying to settle my home loan with Ditech. My home has been listed on the market for over a year. I finally found a buyer who is offering {$18000.00} CASH to purchase the home. It 's a mobile home in a park. Unfortunately, I 'm underwater on my loan. I owe {$29000.00} and have been paying on the loan for 17 YEARS and am current on the loan. I just want to sell it and get out of the mobile home park. At first, Ditech told me to do a short sale application, which I did. That was denied because they do n't do short sales on mobile homes in parks. That was run-around # 1. So I was instructed by Ditech to do a settlement letter, simply saying I request Ditech accept {$17000.00} as full settlement. I completed the settlement letter as instructed. I wait only to be told shortly later that the settlement was denied because they want more money and that my settlement letter provided no details. Run-around # 2. I told them their rep said to provide no additional information, only that I was requesting settlement. Too bad, Ditech said. So my buyer increased her offer to {$18000.00} cash and I resubmit the settlement letter with the higher amount plus the additional info I was asked to provide, i.e., why am I moving/selling the home, when will they get the money ... So I submit the offer and wait again. Throughout this process, I 'm told the hierarchy of Ditech, which seems to morph each time so I 'm never really sure how the application is being reviewed. I 'm also told by different reps that my settlement will be accepted because they 've accepted other settlements on accounts owing more with greater deficiencies for loans that have been owned for less time. I called yesterday ( XX/XX/2017 ) to check on the status and was told the settlement was denied again. No reason is provided other than they are n't obligated to accept any amount less than what is owed. This time I 'm told to file an appeal ( why was n't I told about this appeal process before? ). Meet run-around # 3. Again, no guidance, just submit another letter and caption it " appealing denial ''. I faxed the appeal letter yesterday. Clearly, I 'm being strung along and will most likely lose my one and only buyer. Any assistance and guidance you can provide will be appreciated. Thank you.
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (PA)

I am currently in the process of refinancing my mortgage with  XXXX   XXXX . My goal it to use this opportunity to pay-off a second mortgage on this property from Ditech. Since,   XXXX   XXXX   XXXX   I have requested that  Ditech  provide a Copy of my Note that I can present to  XXXX   XXXX  as part of the process. Ditech promised to have this to me within  3-5  days. I have called them and emailed them multiple times to follow up on this request and I still do not have this document as of   XXXX   XXXX   XXXX       The original loan was back in  XXXX  from  XXXX  and has transferred multiple times over the years  (   Greentree, Ditech ).      If  Ditech  can not produce the Note, do I legally owe them the balance if they do not have a copy of the agreement?
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CORELOGIC INC (GA)

CREDCO XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I recently found that my identity has been used in an attempt to purchase a vehicle. I have not requested any loans for automobiles in XXXX of 2015 around XXXX XXXX. Someone has inquired about my credit XXXX times. I requested proof of request and the information is not being provided and is currently hurting my abilities to obtain a home loan. It seems to be some type of auto group in the XXXX area of Florida.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in  XXXX   XXXX  and   XXXX   XXXX   financed it. I got behind in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (VA)

I put in my application for credit with Discover on application ID XXXX. 
On XX/XX/XXXX, it was denied for the reason of 'STATUS OF EXISTING / /PRIOR DISCOVER CARD ACCOUNT ' I called Credit operations on the provided XXXX on the denial letter and though XXXX ; XXXX ; XXXX and finally XXXX all forwarded my request for information to each other, all I could get was 'your prior account was revoked ' ; when I asked why, no answer was provided. XXXX then provided a new number XXXX. That number is not accessible as of the time of this complaint. 
I suspect given I had previously reported Discover ( XX/XX/XXXX ) to CFPB for wrongful action on my account, I was 'blacklisted ', my account-fully paid-revoked and wrongfully denied future credit requests as retaliation. I suspect this because the same document denying me credit has my XXXX score at single digits from XXXX. 
Help me figure out why my account ending in XXXX was REVOKED as I never requested closure given its effect on my credit score.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I disputed with Equifax XX/XX/XXXX, XXXX XXXX account is not accurate and is not a debt I owe. They investigated and acct deleted XX/XX/XXXX, now, the account for XXXX has been reinserted again. Equifax is not following FCRA procedures and has gone against the law. I have called Equifax this morning on XX/XX/XXXX, and filied a complaint over the phone. I want Equifax to permanently delete the XXXX account off of my credit report.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WA)

i have a on my account a credit card account that was part of my bankruptcy and it should have gone a way but its is still reporting and it is reported as closed the card is XXXX the last time it has reported XXXX XXXX so it goes buy this when it should have been gone XXXX XXXX XXXX
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do 10 disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : XXXX XXXX XXXX The date XX/XX/XXXX does not exist A bankruptcy must be reported as a bankruptcy and not as a " XXXX XXXX '' Liability amount " XXXX '' is not valid XXXX is not the correct accurate Court must be listed with the city and state XXXX XXXX The date " XX/XX/XXXX '' does not exist A bankruptcy must be reported as a bankruptcy and not as a " XXXX XXXX '' Liability amount " XXXX '' is not valid XXXX is not the correct accurate Court must be listed with the city and state XXXX XXXX The date " XX/XX/XXXX '' does not exist A bankruptcy must be reported as a bankruptcy and not as a " XXXX XXXX '' Liability amount " XXXX '' is not valid XXXX is not the correct accurate Court must be listed with the city and state
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

I have XXXX judgements against me. At the time of service I had medical insurance to cover me. Instead of my insurance being billed I was directly sued by the medical provider. I 've contacted the XXXX and XXXX XXXX about this matter & was given proof that I had insurance coverage at the time of of service. I sent a written letter to each credit bureau with a copy of proof of insurance at the time of service requesting they remove it immediately off my credit and they have yet to do so. Please help me because I 'm being denied credit cards home loans and renting a place because of these derogatory remark.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (PA)

I went online to request my credit reports ; Equifax stated I have to mail them my personal information such as a copy of social security card and my driver 's license through the postal service before they would release my credit information. The other XXXX failed to provide any information as their links were in-operable. XXXX XXXX did a report on their careless handling of the nation 's repository information and their inaccuracy. It prompted me to request my information because for the last six months I have been trying to get a job. I believe these XXXX are the sources of my pain. I am not comfortable sending my information through the mail and I should n't have to pay to send it express or registered mail. There so called credit repository are a disgrace to the nation and its citizens. Your organization should disbanned these XXXX.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

Judgement against me, which was filed illegally due to bankruptcy laws, keeps appearing on my credit report. When I try to initiate a dispute online, they tell me my public info does n't match. Not able to reach a person via telephone, they want me to mail documents proving who I am. Other credit reporting company received my dispute online with no problem, and resolved the issue.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

My name is XXXX XXXX and XXXX am submitting this complaint myself about continuous violations from Equifax. 

Equifax keep reporting inaccurate information about me without permissible purpose. I have given Equifax written instructions on how to report ANY information about me yet the issues haven't been resolved. 

My name, address, number, etc is reporting inaccurately and demanding Equifax to report accurate information about me, the consumer. 

Furthermore, an account was reinserted by Equifax and want to know what methods were used to make this conclusion. Did the company provide a wet-ink signature to Equifax to XXXX this account with XXXX XXXX XXXX XXXX If so, please provide the relevant information as proof of claim for reinsertion. 

Not to mention, the account is reporting without a balance amount, majority of the fields with the account is blank. How is this so, and please provide proofs of claim as to how this is permissible under the Fair Credit Reporting Act.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

My score dropped over XXXX points in less than 7 days, NOTHING on my report indicates what may have happened to indicate such a drop in score. I have reached out to XXXX out of the XXXX credit companies and am being offered general information on how scores are calculated. I am aware of how they are calculated, which is why it doesnt make sense or adding up HOW so many points were dropped from my score in a short amount of time ... it is discouraging and need specific help! Thank you