davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. My mom and I was made aware that there are some debts on my credit report. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

As the result of receiving XXXX XXXX ' XXXX/XXXX/16 Late Payment Reporting Notice ( attached ), I visited XXXX on XXXX/XXXX/16 in order to request or review my credit report for responding to same. 

Since Equifax Credit Services now offers the ability to review and dispute negative account entries online, I initiated an Online Dispute of the XXXX/XXXX/16 XXXX Past Due Payment entry. In addition to indicating the account was in Dispute and providing the CFPB Case # ( XXXX ) covering same, I also uploaded copies of my communication w/ XXXX containing details of the XXXX actions that resulted in the dispute. The uploaded documents were the same documents submitted to the CFPB in support of the above case #. 

As opposed to flagging the XXXX Past Due Payment entry as Disputed and adding the documents uploaded in support of same, Equifax 's alleged 4 day investigation instead resulted in corroborating w/ XXXX to remove my Clear Card payment history in an attempt to bias and/or distort the circumstances surrounding the XXXX/XXXX/16 late payment entry. A copy of resulting Equifax investigation response is attached.
Consumer complaint received 2017-03-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WV)

I have private student loans that were taken out with XXXX and later sold to Navient. They never allocated my payments correctly and I would get harassing calls that certain loans were late and charged late fees. Also sometimes they would take the payment out of my account three times in the same month and I would have to call. Unreliable times to fix this. My loan amount never decreases. It atays the same or actually keeps increasing. They would have me.pay for deferment and tell me I would get the money back after making a certain amount of payments on time. However the loan never received this money nor did my balance ever decrease. Now they are telling me I owe an ridiculous payment that I can not afford and they tell me they will not even consider helping me until I default for three months. I have always paid my student loans even while facing unemployment and I can not afford what they are asking. They say they can help when I call but do nothing. Even if I communicate with them regularly. I have cosigned I have not seen or heard from in years. I ca n't get any help they say until my cosigned refuses to help me. I do n't want to default but it 's as if they are telling me I must.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I NEVER used my credit before and when I applied to get my first car the dealer told me that my credit was at a XXXX and I just paid a car off and just leased out a new one. He said I also had school loans and the name and address were different from mine as well as the employer. He could not give me the information that we received. I tried checking my credit online but a lot of the sites are n't letting me because my social is associated with other accounts on the websites. I 've been trying to go through this process and I signed up for XXXX and they 'll do the investigation for me but I need the information for the other people. I have still yet to open anything in my name, so everything on my credit report is invalid and needs to be eliminated so I can start establishing my own credit. I 'm only XXXX years old and the credit usage dates back to when I was XXXX years old. These accounts have been on my credit for years.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CO)

In a previous CFPB case, # XXXX, I disputed incorrect reporting status from Equifax in regards to my XXXX XXXX XXXX XXXX XXXX XXXX. XXXX responded as follows : " Equifax has reviewed the complaint and its records. The balance on the XXXX XXXX XXXX account number XXXX has been updated to reporting a XXXX balance. XXXX XXXX XXXX account number XXXX is currently reporting a XXXX balance for this account. Written confirmation has been sent to you on XXXX/XXXX/16. '' About 30-days later, that information was updated by XXXX XXXX XXXX! Equifax again reports a balance owed and the account in open status.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

XXXX, XXXX reported to EquiFax in XXXX XXXX that my responsibility for the $ XXXX mortgage had been Discharged in XXXX XXXX. 
I sent EquiFax , along with XXXX and XXXX, the Re-Affirmation Agreement executed by XXXX XXXX XXXX, my husband XXXX XXXX and I to prove that the note was not Discharged. 
XXXX removed the XXXX, XXXX account from my credit file for violating FICA rules, but EquiFax , in this complaint, have allowed XXXX, XXXX to change the status of my account from Discharged, in Default, back to Discharged but Consumer Disputes this Information ; Re-Affirmed, Consumer Disputes this Information, Re-investigation in Process, to currently, Foreclosure proceedings in process. XXXX XXXX XXXX has only completed the Military Service not filed an Affidavit with the Registry of Deeds, such that Foreclosure process has not begun as yet. 
In each instance of a change to XXXX account status, EquiFax does not change the " Date Last Reported '' - it 's been XXXX/XXXX/XXXX for six years.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DE)

XXXX keeps reporting an account that is charged off and they are trying to collect on it. The original issuer sold it to them who is XXXX XXXX. Why are XXXX companies trying to collect off of the same debt. This should not be reporting on my credit report at all. It is hurting my report and Equifax has not did a thoroughly investigation.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

an insurance company issued payment for flood damage to a home, and listed tthe mortgage holder on the draft. after endorsing the draft and sending it tothe mortgage holder ( seterus / XXXX ), the mortgage holder has committedintentional fraud, and will not refund the money to complete the flood repairs. 
they continually change criteria for release of the funds, indicate that we haveto complete repairs from money out of our pocket, and has caused loss ofuse of our property.
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have never checked my credit report before this was the first time and I seen many things that do not belong to me such as medical bills and unpaid cable bills I 'm guessing thru direct tv which has never been a provider of mine and I just want to get all theses things cleared up
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

My credit report company refuses to get rid of the dispute on my credit. I told them im not disputing my car and i wrote to XXXX exquifax and XXXX and requested that they take it off. XXXX also telling them to take it off as well. They told me they wont re investigate and that information is correct and that they wo n't take it off my credit. I sent them letter and told them countless time to remove it. The person im dealing with has pulled my report. Several times and my score has dropped alot and i have a baby comming and i ca n't stay in this condition. I live in a hotel room paying XXXX a week and i 'm feeling really fustrated right now
Consumer complaint received 2016-07-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (WI)

I am a XXXX veteran, senior citizen of a fixed income. My social security has been discontinued at XXXX point, and continues to be deposited late on numerous occasions despite my complaints to Social Security about this matter. I have XXXX separate months when I did not receive any income. US Bank is aware of this matter ; it continues to charge exorbeint overdraft fees, allows checks and automatic deductions to be submitted at least three times and each time the funds are not in the account they charge me insufficient funds fee and the over draft fee. I am never able to catch up because I always in the negative due to extremely expensive penalty fees and extended fees, etc. The bank refuses to allow to close the account or to freeze the account. This is so they continue to charge me the extreme fees which keeps me in the negative. I have explained my situation to them but the bank refuses to assist me in this matter in any way. I view these bank practices as predatory, and target senior citizens and XXXX persons. Is there anything that can be done to challenge these unfair practices by this bank. I am always so in debt for their fees I never have enough money to pay my bills and pay their continual fees. 
Available Balance Checking - XXXX - {$360.00}
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (OR)

XXXX/XXXX/XXXX I down loaded the form for a free credit report, and supplied complete information and documentation on XXXX/XXXX/XXXX. 
This was mailed to Equifax on that date. 
I received a form letter dated XXXX/XXXX/XXXX, of XXXX pages with a research request form, no credit report included. 
On XXXX/XXXX/XXXX I received a form letter stating that I have received a free credit report from Equifax within the last twelve months. 
I had never requested nor received a credit report from Equifax prior to this XXXX. 
On XXXX/XXXX/XXXX after receiving the above, I called the dispute number, and spoke with XXXX providing the needed security information and, stating the lack of receiving the requested free credit report. 
She told me she would send out a complementary report even though their file shows XXXX was supplied per my request, that I would receive it in XXXX twelve days. 
XXXX then gave me another confirmation number. 
I received another " copy '', dated XXXX/XXXX/XXXX, this being the same form letters as the the first and second sets, with the " new '' confirmation numbers, as supplied by XXXX. 
On XXXX/XXXX/XXXX I called the dispute line and spoke with XXXX. 
His response was that he would immediately sign me up on line for a monthly fee so that I could look it up anytime. I declined. 
I now waited for approximately sixty days for credit report. 
Would appreciate some assistance.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I sent a dispute letter to Equifax because I notice some negative information that is not correctly reporting on my credit file. Equifax responded by deleting the incorrect accounts and adding another negative account which is a Judgement. I went to the courts to get some information about this Judgement and the courts informed me that they do n't report to the credit bureaus so they do n't know where Equifax gets this information from. 
I sent a certified letter to Equifax XX/XX/XXXX to dispute the judgement and Equifax responded stating that their investigation is complete and the judgement is reporting correctly. I sent another certified letter to Equifax XX/XX/XXXX asking them to send the name, address and phone number of who they communicated with and a copy of the documentation they gathered that allowed them to come to the decision that whatever they are reporting is accurate. They Ignored me, I did not receive a response. So I sent another letter XX/XX/XXXX and still I did not get a response.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

I used to live at XXXX XXXX, XXXX XXXX, Tx XXXX and i XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX and XXXX. My XXXX started XX/XX/XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX XX/XX/XXXX.I relocated to XXXX, Texas XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my basic training and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX XXXX XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and XXXX.Please find attached document showing details of my schedule and program for my XXXX.
Consumer complaint received 2017-03-16
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (AZ)

I began a refinance process of my current mortgage back in XXXX of 2016 at that time the current rates were XXXX percent on a 30 yr fixed rate VA loan. There was a previous problem with the posting of my payments which I did not find out until I started my refinance process. I am now completeing my refinance and the current interest rates are XXXX. I believe that since the mortgage company has caused me to delay my mortgage process because of their mistake which took them over 8 months to correct it has cost me in my refinance. I would like for Setarus to pay the current mortgage company the difference to buy down my current rate to XXXX from XXXX. Or they can pay me the difference in the total payments for the next 30 years.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX XX/XX/XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; This is not my NAME : XXXX please removed XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX this is not my name : NAME : XXXX please removed XXXX XXXX XX/XX/XXXX XXXX FL XXXX
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX account # XXXX The late dates are an inaccurate representation of my billing history with this company. They did not deliver my furniture as specified. I have a long history going back and forth ; it took them more than 90 days to complete delivery of the goods purchased. During which time they were accuring billing and late fees. However, until they delivered my furniture as agreed, they should have begun billing me. I began paying them when I recieved my furniture order in full.They are claiming I 'm late and reporting dates are inaccurately. I paid them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they also began billing me before delivering my products undamaged.
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: DISCOVER BANK (TX)

Discover Card had, at XXXX time, authorization to withdraw payments from my checking account. In XXXX of 2015, I asked them to stop withdrawing their payments from my checking account. They continued to do so. I placed a block on my account so that they could not continue to withdraw funds from my account, and they created " dummy '' checks and continue to withdraw money. I changed my bank account information and they somehow found out my new account and withdrew money again,
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (MA)

I cosigned for a credit card with a {$300.00} limit for my daughter when she XXXX 17 years ago. She got married 15 years ago and called Discover to remove my name and change the card to her new married name since she had established good credit. She later moved into a new home and called to change her address with Discover. I never received any more credit cards, letters or phone calls from Discover in the last 14 years about that account so we assumed they removed my name from the account as she requested. She continued to get correspondence and replacement cards in her name only at her new address but nothing came in my name which I believes proves I had been removed from the account as she requested. Now I got a letter from one of my banks saying there is a Charge Off on my 38 year perfect credit rating for an account I had been removed from 14 years ago. My daughter is going through debt consolidation and the consolidation company had no idea there was a consignor on that account either. Discover never contacted me to tell me that I was associated with an account about to go into default. I have my own account with them in perfect standing so my contact information was readily available. I have lived at my current address 53 years so it 's not hard to find me. When I contacted Discover their response was they only contact the primary card holder. I told them I had a credit card with my name on it when the account was opened but when it expired 3 years later, none was ever received in my name either at my address or my daughters address again proving I was off that account. Discover could not answer why I never received a replacement credit card since the account was opened yet they are saying this is listed as a joint account. We have run a family construction business for 29 years and our credit rating is imperative to continue getting lines of credit jeopardizing the jobs of XXXX workers.
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (TN)

I carry a 0 % balance transfer ( {$3800.00} ) with my Discover credit card. I have additional credit available on the same card. The minimum payment for this billing period ( XXXX/XXXX/17 to XXXX/XXXX/17 ) was {$110.00}. 
I used the card for new purchases totaling {$440.00} between XXXX/XXXX/2017 and XXXX/XXXX/2017. Before the due date of XXXX/XXXX/2017, I made a payment of {$110.00} XXXX XXXX/XXXX/2017 which cover the minimum payment of {$110.00} and therefore the 0 % on the {$3800.00} as well as an additional payment of {$500.00} on XXXX/XXXX/2017 that more than covers my new purchases of {$440.00}. Despite paying the full balance on the new purchases and also paying the minimum required to cover the balance with the 0 % interest, Discover charged me {$4.00} of interest charges which not only they could not explain which amount was subject to the interest ( there should be none since the new purchases were fully covered by my payments ). Discover 's practice appear to be illegal and not in line with common practices within the industry. They also can not explain what balance they are applying an interest charge on when I pay the new purchases balance in full and also cover the minimum required payment for the 0 % balance. They also stated ( the supervisor I spoke with ) that it is at their discretion to apply my payments to any portion of the balance as they see fit. I then called XXXX of my other credit card providers and as I suspected, they explained to me that if I pay the minimum required for the zero percent transfer balance and then pay the entire balance of any new purchases on the same billing period then I should not and would not be charged interest fees.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IL)

XXXX and Equifax both are telling me that I need to furnish proof of my identity in mail in order to view my free annual report. I have gone through this exact process before by both of these bureaus in XXXX 2013 and despite sending them both a driver 's license photo and a piece of government mail with the address on the letter, they still do not recognize me. XXXX had no problems. Obviously the other XXXX bureaus are very mistaken about me. This is leading to tremendous problems and is repeatedly been an issue when attempting to open lines of credit.