davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

Basically, my sister and I have the same initials, grew up in the same home, have similar SSN but we have a HUGE age gap between us. for YEARS I have been having her items show up on my credit report. It started XXXX of 1994 according to Equifax. No one will help me. now I can not even qualify for a home loan because her MORTGAGE shows on my credit report. She has over XXXX debt in my SSN and I can not get it removed. This is so disheartening.
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (IL)

I am very upset of the way Seterus has handle my loan. I summited a complete modification packet since XXXX/XXXX/XXXX. I spoke with Agent XXXX XXXX on XXXX/XXXX/XXXX and she had verify that my documents were received and that my file was going to be summited to the under writer for review. However that did not happended they keep prolonging my loan and now I have an active sale date for XXXX XXXX, XXXX. I had to fight with different agents and everytime I called there were no new notes. This is really frustrated becaus I do not want my house to sale. I had to even reach out to my investor to make sure this time Seterus reviews my loan based on my current income. My home is severely under water and my investor XXXX he participates in The XXXX XXXX Modification. Also they started to offer principle forgiveness. Therefore I am hoping that my loan can be review for all the workout options.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have Public records listed on my credit reports that are inaccurate and incomplete such as JUDGEMENTS. The federal law requires that the credit agency provide mechanisms to ensure that each item on my credit report belongs to me and is accurate. I have requested from the credit agency Equifax numerous times for validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate these Judgements and they have failed me only to return stating it has been verified with no substantiation. I have received a letter from the court stating they do not reporting to the consumer reporting agencies but yet the credit reporting agency is saying they have verified it with the court.
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I have a XXXX XXXX checking account and brokerage account for more than one year, and no credit card account or loan at all. On XXXX XXXX, when I check my Equifax report, I see a hard pull by XXXX XXXX. I did n't do any account application at all. They pulled my report without my awareness!!!
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MO)

I obtained my credit report and discovered multiple errors. I send a letter to XXXX stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2017was signed for. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/2017 and it was signed for, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not provide any documentation to me as verification. I mailed my third letter on XX/XX/2017 and it was signed for and still the same answer. I called Equifax and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

In XXXX of XXXX we had a water leak at our home. Upon investigation it was found to be water from a broken pipe in the wall and water overflowed the dishwasher. We hired a public adjustor. He settled both claims with our insurer. One claim was {$8300.00} and the second was XXXX. We had the public adjustor sign the checks as well as XXXX bank our second mortgage holder. We sent the two checks to Seterus, Inc our principle mortgage holder. Seterus had a series of steps they wanted us to do. We complied with all by XXXX of XXXX. They released the check for {$8300.00} but have been holding the second check for {$11000.00} for two years now. We complied with all paperwork needed and sent in notarized documents on several occasions. Each time we ask for the money they add another demand for more or different paperwork never before mentioned. They are nearly impossible to speak to on the phone. But we have been told several times the money would be released ( on calls they record ), only to find the money is still being held. We have the initial document they sent us with all of their requests. We have our paperwork showing compliance with all of those requests. We want the money released for repairs. We have already sent a notarized document to them approving them inspecting the work when finished to safeguard their interest. We would appreciate any help in getting this money.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates : XXXX XXXX : XXXX of XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. 
I need these fraudulent inquires removed from my credit reports.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I have disputed and sent copies of paid in full information to Equifax / XXXX and XXXX showing proof of payment, and all companies with the exception of Equifax has updated there records. I have been attempting to reach them to get this reported correctly for several months to no avail each time I make an attempt, I get an offshore rep from another country I can hardly understand and nothing gets done. I 'm needing them to please correct this information..
Consumer complaint received 2015-05-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

I completed a loan modification package back in XXXX 2015 to aid with my loan, I was approved by XXXX California ; however, my Lender/ Servicer `` Seterus Inc. '' will not respond to any inquiry that I make nor respond to the requests that XXXX California make to them on my behalf. Every time I call they keep telling me that they do not have any updates nor do they have the ability to find out any status update to XXXX California. Furthermore, my servicer Seterus Inc and trustee sent me a letter showing that my home will be sold on XXXX XXXX, 2015. This is unfair as Keep Your Home California is able to help me but my Servicer Seterus Inc. will not respond to their inquiries to fulfill my modification and are delaying any correspondence. I feel based on their actions that they are intestinally trying to sell my home and make me homeless, I am running out of time.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

There is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.
Consumer complaint received 2015-05-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NJ)

I am a retiree concerned about identity theft. So, I logged onto XXXX and tried a few times to request a free credit report from Experian. At the end of the application process each time, I received a message stating : " We are unable to process your request ''. Out of frustration, I logged into www.Experian.com and saw that I could order a credit report if I created an account with Experian and paid only {$1.00}. I did n't see the fine print saying I would be charged monthly if I did n't cancel my account within a 7 day free trial period. After signing up, I received an email from Experian welcoming me, but it did n't mention a 7 day trial or any pending monthly fees. A month later, I was surprised to see that Experian had charged my credit card {$21.00}. When I called to complain, the first person that answered said they could n't refund the charge. When I asked to speak with the supervisor and the person said OK and put me on hold -- I waited for 15 minutes and hung up. When I called back a second time, a different person answered the phone. She agreed to cancel my account and refund the charge, but said if I had waited until XXXX or more charges had been made, they would n't be able to refund the earlier charges. It seems clear to me that Experian is deliberately try to fool people into signing up for the $ XXXX/month service and hoping they do n't notice for a few months. As a minimum, I think : ( a ) Experian should n't be allowed to block efforts to order a free credit report through XXXX, ( b ) their website page offering a credit report for {$1.00} should conspicuously warn the customer about what happens if they do n't cancel within 7 days and ( c ) their welcoming email should again warn the customer about the pending monthly charges. If the customer does n't want the service, they would see the warnings and cancel within 7 days. If the customer did want the service, they would ignore the warnings and continue with Experian. I think it is ironic and totally improper that a company we rely on to protect our financial well-being would resort to such devious practices to increase their profits!
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

Hi, I used to have XXXX XXXX XXXX credit card since XXXX and have been using this card until XXXX XXXX. Since the card was expired, they sent new card to my address and it was never opened or activated this card to do any transactions. Currently I 'm Living in XXXX since XXXX XXXX until to date. As I 'm planning to visit XXXX again, I tried to activate this card online recently, surprisingly I noticed that the card was charged with some transaction in XXXX XXXX & XXXX, XXXX in XXXX area and it was past due until to date and reported to all credit reporting agencies. My questions is how a card can be charged without activation and that too I 'm not living in that area or in the XXXX during transactions made. I tried contacting Merchant to resolve this issue but I 'm not getting proper response. I believe these transactions are fraudulent or transactions have been made erroneously by merchant. Hence, I would like you to conduct an enquiry on this issue and resolve this issue as soon as possible as my credit history has been affected. I 'm attaching statement showing fraudulent transactions for your reference. Please let me know if you need any further information from my end to resolve this issue.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and Experian refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (KS)

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I have disputed multiple items with Experian. I monitor my credit XXXX and XXXX are both XXXX points higher than Experian. They have multiple Hard Inquires which I have disputed that remain. Some older than 2 years. They are not taking off. Chapter XXXX has been discharged paid in full still not reporting that.
Consumer complaint received 2017-03-03
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc ()

I bought an item on ebay but after my purchase I saw that the information given by the seller was inadequate. I discovered that the item bought can not be used in XXXX. I immediately cancelled the purchase and the seller agreed. In spite of that agreement, the product was delivered to my address in the XXXX. I was unable to resolve this issue with the seller ( who wants me to pay for the transportation costs ) so I requested my money back from paypal. Paypal is not willing to do that.
Consumer complaint received 2016-09-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (GA)

A couple years ago, I paid for an ebay product with paypal and they charged by bank account twice. I stopped one of the payments at my bank ( XXXX ). After this paypal demanded a whole bunch of bank statements etc. I refused and told them to close my paypal account. This happened over a year ( maybe two years ) ago. Now they keep sending me spam email telling of changes to their account policies. Today I went on their website to re-close my account. Their website wo n't let me send a secure message to close the account. I called their customer service to close the account. They say the account is limited and they wo n't close it. I want them to close the account immediately and they refuse. Please make them close my account. I do not owe them any money, I have no orders in process. I have not do n't business with them for over a year and they will not close my account.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TCF NATIONAL BANK (AZ)

As of XX/XX/XXXX, Gateway One requested an inquiree on my report for no reason and without my authorization. I applied for an auto loan with this company XX/XX/XXXX. There should be no reason that my report should be pulled by this company 2x 's.
Consumer complaint received 2017-01-29
Product: Credit card — 
Issue: Late fee — 
Company: KEYCORP (MI)

Two recent payments made to my KeyBank Latitude MasterCard account ending in XXXX from XXXX BillPay service were classified by Key as late, despite XXXX 's confirmation that the payments arrived before the due date. KeyBank charged late fees in the amount of {$27.00} and {$37.00} as a result. 

The first payment was in the amount of {$62.00}, confirmed by XXXX to have arrived by XX/XX/2016. KeyBank did not credit the payment until XX/XX/2016, 11 days later. 

The second payment was in the amount of {$89.00}, confirmed by XXXX to have arrived by XX/XX/2016. KeyBank did not credit the payment until XX/XX/2016, 11 days later. 

In both cases, the 11 day delay imposed by KeyBank on crediting the payments resulted in the payments being considered late for their respective billing periods. 

XXXX confirms that the address the payments are being sent to is : XXXX, OH XXXX This address is identical to the the address I was instructed to use in KeyBank 's letter to me dated XX/XX/2016, following a similar issue involving late-to-post payments.
Consumer complaint received 2016-08-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: KEYCORP (NM)

My hours were reduced at work last year, so I requested a graduated loan repayment option. My job was recently terminated, so I could not afford the graduated payment amounts. The loan holder insists they can not provide me with any other options to reduce my monthly payments, as private loans do n't qualify for the IBR program ( as do federal loans ) ; and they ca n't purchase student loans, so they ca n't refinance or consolidate the loans.
Consumer complaint received 2015-08-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TRUSTMARK CORPORATION (TX)

In XXXX 2012 I contacted trustmark bank to provide them with my mothers death certificate and my contact information as the payments would be made until I could get an attorney to probate the estate. In order to proceed the attorney would like up to 6 months to probate the estate as well as give time for the property to sale and close. 

This option is requested because the value of the home has been appraised at $ XXXX give me time to work with the attorney and the realtor in order to pay off and sale the property to another owner. Where this would allow me and my brother to obtain some legal compensation for the only asset left behind by my mother. 

Hold off on foreclosure proceedings and allow me to sale this home. 

So that me and my brother can be financially compensated for our pain and suffering during this difficult time with the death of our mother XXXX XXXX.
Consumer complaint received 2016-08-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (TX)

I paid a debt owed to XXXX XXXX Emergency Room in XXXX 2016 directly to the emergency room online. In XXXX 2016 I received notification from XXXX that a new, unpaid collection was added to my report from AmCol. I disputed and the collection was removed. In XX/XX/2016 I received a letter that previous attempts to collect the debt had been unsuccessful. Several days later on XXXX XXXX, XXXX alerts me that I have an unpaid collection from AmCol on my report. I dispute directly with XXXX. On XXXX XXXX XXXX alerts me that the collection for XXXX is updated as a paid collection, in addition they reported the debt to XXXX. 

I have never heard of AmCol except for these two instances. I paid my debt directly to the emergency room. Under no circumstance should this be on my report, not only that but if AmCol was legitimately the owner of the debt they should have been aware the debt was unpaid and they tried to claim that they had not been paid. This is deceptive and appears to be an attempt to collect more money. As a result my credit score has suffered negatively dropping XXXX on XXXX and XXXX on XXXX. This is not a result of my negligence. I held up my responsibility to pay the hospital directly.