davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

On XXXX XXXX XXXX I discovered there was more fraud account appearing on my file from Identity thief.I contacted all three credit bureau and discussed the matter sent a police report and aff admit to all XXXX bureaus and creditors.The bureau failed to remove the fraud accounts in a timely fashion.I had letters from the creditors who have 90 days to investigate fraud.. the accounts such as XXXX XXXX and XXXX was removed XX/XX/XXXX.After disputing XX/XX/XXXX.After going threw my report again.I notice XXXX accounts was showing on Equifax file.So I contacted the fraud department who I normal discuss my file with.The employee namely XXXX was nice and decided I need to speak to an higher office. ( office of Consumer affair ) employee namely XXXX after trying to get Him understand my creditors do report the accounts.i via XXXX Him a letter next day mail.my reports from XXXX and XXXX. And the accounts reporting and I need them to report on here cause my creditors are reporting my account.I verfied.XX/XX/XXXX All the fraud accounts was reinserted back on my file.Over XXXX accounts day by day.So I ended up calling the fraud dept.Spoke with XXXX again. He said wow What happen.He said I can see where these account were previous disputed and removed due to fraud.He transferred me again to XXXX. He never gave any indication why this happen and how to resolve this.He put each account back in a separate dispute.I called in to complaint and asked for His supervisor namely XXXX.She said fax over the documents.I fax them over.Yet it account remains in a long drawn out Dispute.i have XXXX until I 'm off work with a XXXX.after continuing to contact higher supervisor.XXXX told me he was high as it go.after continuing to contact Him .He stated XXXX was his highest supervisor.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (SC)

I have made settlements to XXXX and they were removed from my file and today I see they are back on my credit file with an opening date of XXXX 2015 which is entirely false. And, they even show duplicate accounts which are the same with a different name. I have disputed with XXXX but do n't have any results yet and I will dispute with the others too, is this legal for them to do this?
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I disputed a debt with Equifax-stating the collection company, XXXX XXXX XXXX had no legal basis for debt. They purchased the debt from The XXXX apts in XXXX Florida.The Apt accused me of damages that I disputed.They without having any legal proof of the damages, simply sold the debt to the collection agency..It appears that the apt complex does not have to prove the debt it merely sells it.the only proof of debt the collection company needs is to simply prove it bought it. I do not owe this debt, but must hirer a lawyer at great expense to remove it from my credit report. 
Second part, Equifax reports a judgement against me that was overturned.I sent them copies of the Court orders, yet they claim it is a judgement against me and I will have to change t myself.The point is Equifax does not follow though on the details of their reporting to determine whether their members have legitimate legal claims.The only recourse a person has is go through the expense of hiring an attorney, I have many documents to prove this and will send them at your request-I am XXXX years old -do not know how to attach copies-and wanted to get this started =please advise and I will have my daughter send them later
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

I am filing this dispute against Equifax for violating [ 15 U.S. Code 1681i ( a ) ( 7 ) ]. This is the is the section of the Fair Credit Reporting Act ( FCRA ) that mandates that Equifax must respond within XXXX days to a consumers request for information on the procedures they used to determine the accuracy and completeness of the information they relied on to verify items disputed by a consumer. 

So to explain the back story a little, I did dispute items in my credit file. Equifax did provide a timely response letting me know that they " verified '' the disputed items. Upon receiving the letter from them that said the items were verified, I sent another letter to Equifax requesting information on the procedures they used to determine the accuracy and completeness of the information used to verify items I disputed. I have certified mail documentation evidencing that Equifax received that request on XXXX XXXX, 2015. 

Equifax subsequently sent me a response and a credit file dated XXXX XXXX, 2015, confirmation # XXXX. I received that on XXXX XXXX, 2015. Not only was that letter received AFTER the XXXX day maximum requirement, that that letter did NOT provide me with any of the information used to verify the items in my credit file that I disputed as I requested. Instead, in that letter Equifax stated the " Below are the results of your reinvestigation request and, as applicable, any revisions of your credit report. '' In other words, all they really did is again tell me that the items were verified. It appears to me that my request for the documentation used to verify the disputed items was totally disregarded. This obviously is a direct violation of the part of the FCRA that mandates that they must provide documentation used to verify items disputed, if requested by the consumer. 

I have been well within my rights to dispute items on my Equifax credit report and request documentation used to verify the items disputed. In good faith, I expected Equifax to respond by providing me with that documentation so I could better understand what is being reported and why in addition to the fact that the FCRA requires them to do so and in a timely manner. Equifax has failed to do that to this day. This is completely not fair to me and I am sure the CFPB also expects Equifax to comply with ALL applicable laws in dealing with my dispute and others. Clearly, Equifax has failed to comply with [ 15 U.S. Code 1681i ( a ) ( 7 ) ] in my case and they should be held accountable for that.
Consumer complaint received 2015-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (HI)

Seterus Inc. is continuing their harassment. I have already filed a complaint case # XXXX which was resolved but in their response to you they were completely misleading and just plain lied. What they did while they had the money they wrongfully had taken out is do a financial report and said there was not enough money in escrow and charged me more money to make up the gap. I demanded a new report be done now that you guys made them give the money back and have heard nothing since. Now they have changed the name XXXX the policy and say they can not talk to me because I do not have authorization for this account. I am and have always been the executor trustee for this account. I have all documents and so do they. If you need to see them please let me know where to send them. I have stated I do not want to do business with this company but have been forced to do so. This is wrong. I ask again how do I stop this? I am losing a lot of time and money dealing with this awful company. They must put me back as the authorized person to talk to and explain with documented proof of what they say made them change it in the first place.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

I have incorrect information being reported on my credit report from all XXXX credit reporting agencies there are XXXX liens from XXXX XXXX that were placed on my credit reports from Equifax, XXXX and XXXX XXXX that states the liens are there but, the liens have been dismissed so, why are they still reporting them? I want them removed because they have a negative impact on my credit score.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX CA. XXXX XX/XX/XXXX 1. XXXX IN XXXX 2. XXXX MI XXXX 3. XXXX PA XXXX 4. Copy : ( 1 ) XXXX ( 2 ) XXXX ( 3 ) XXXX RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to zero balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of XXXX XXXX EQUIFAX and XXXX as per the statement of account attached to stop the fraudulent business practice of XXXX , XXXX. 
c. I am requesting from XXXX ( 2 ) EQUIFAX ( 3 ) XXXX that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.
Consumer complaint received 2016-10-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EQUIFAX, INC. (CA)

Since XX/XX/2016, I have been trying to communicate with XXXX to verify and validate my debts successfully with a contract bearing my signature and they have been unsuccessful in doing so. Note, today is XX/XX/2016 so six months have passed with only a bill statement to show. Recently, i initiated an online dispute with Equifax regarding this debt and they said that the debt was " validated ''. How has the debt been verified and validated? Under the FCRA, a contract bearing my signature has to be supplied, and XXXX does NOT have a contract with me regarding this debt.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I recently pulled my credit report from Equifax and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Equifax continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.
Consumer complaint received 2015-12-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

hard credit inquiries that i did n't submit XXXX XXXX BANK XXXXXX/XX/XXXX XXXX, XXXX XXXX BANK XXXX XXXX, 2015 XXXX XXXX BANK XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX BANK XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Clothing Stores XXXX BANKXX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX BANKXX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX BANKXX/XX/XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXXPersonal Loans Cos. 
XXXX XXXX IXX/XX/XXXX XXXX, XX/XX/XXXXMiscellaneousTelephone Companies XXXXXX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XXXX, XXXXMail Order Firms XXXXXX/XX/XXXX
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

For my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, the flood insurance is covered by the HOA fees I pay monthly. In XXXX 2014, Seterus Mortgage Company bought my mortgage from XXXX. Seterus purchased additional flood insurance for my property even though the property is covered under my HOA dues. Despite numerous of complaints in the form of calls and letters to their customer service, Seterus continues to charge me for this extra and unnecessary flood insurance, taking part of my mortgage payment, applying it to the escrow, and claiming I am short on my mortgage payment, thus negatively affecting my credit and payment history. I have provided Seterus with ample documentation to prove the policy from HOA fully covers the liability required for the property. Thank you in advance for your support. Please reach out if you have any follow up questions. Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I have a mortgage loan that is six months old and serviced by Green Tree Servicing LLC. I have had nothing but problems with this company. Now they have issued my insurance premium to the wrong insurance company as of XXXX. I switched insurance carriers in XXXX, more than enough time for Green Tree to update my escrow account. They 're customer service is horrid and yields XXXX results. 

They also drafted my XXXX XXXX payment on XXXX XXXX which ignited another nightmare round with they 're lousy customer service who could n't explain why my XXXX payment would be drafted two weeks early. Needless to say the people on the phones could care less and I suffered the consequences of overdraft fees incurred by this event.
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MA)

My wife was laid of in XXXX of XXXX and we applied for a loan modification through our mortgage company, Ditech, in XXXX. All documentation was received and cleared by them in XXXX of XXXX. We were instructed by Ditech that it would take approx. 60 days to review the information and get back to us with the decision. It is now XX/XX/XXXX and I have called Ditech many times with no resolve. Each time I have called a representative states that it is still being reviewed by underwriters and to call back next week. This is until last week on Friday XXXX. I have called 3 times and it does not connect me with or give me any option to talk to a live person but directs me to a voicemail. I have left XXXX message and have not been called back with an update of the status. At this point, due to financial constraints we are substantially behind in our mortgage and need help with no support or resolution in site. Please help.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (UT)

My mortgage through Ditech was paid off XXXX/XXXX/2016. My remaining escrow balance owed to me is {$3000.00} and I still have not received my funds. Most all mortgage companies ACH the escrow funds to their customers within XXXX to 5 business days. Ditech stated they only mail out checks and ca n't do ACH or wires. XXXX/XXXX/2016 and I still have not received a check of the money that is rightfully mine. I have stated to them multiple times through phone calls and online the time frame they have held my money is absolutely unacceptable as I have liabilities to take care of for my family. I know for a fact they have my correct address as through their online system I have filed complaints to see where the check is. The generic system responses have been mailed to me which tells me they have the correct address on file. I have also followed up with Ditech 's reps over the phone. Ditech is making interest off of my escrow and holding my funds for whatever reason and I fear they 're most likely doing this with other clients as well. I need to receive my escrow balance owed to me. Please help. Thank you.
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

On XXXX XXXX an additional principal payment in the amount of {$3000.00} was sent to my lender, Ditech along with my regular payment. It was misapplied to escrow. I have repeatedly called ( XX/XX/XXXX, XX/XX/XXXX ) and submitted correction requests ( XX/XX/XXXX, XX/XX/XXXX ) through their online but can not get this corrected. I received email responses from my online requests that said someone would contact me but no one did! On XX/XX/XXXX I spoke to a supervisor who assured me it would be fixed on XX/XX/XXXX. I have checked online since then and no correction was made. This affects my interest amount and I am reluctant to send another additional principal payment until this is corrected.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Innovis (CO)

Innovis is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. Innovis staff went so far as to say they ignore proof submitted by consumers. I submitted proof to Innovis in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus which Innovis confirmed receiving. The complaint to Innovis and XXXX specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Innovis, I certified that XXXX had not responded to me within the required 30 days after XXXX 's proof of receipt XXXX/XXXX/XXXX. Innovis then ignored this documented evidence and used the repeated false electronic reporting from XXXX to " verify '' the false information in their Innovis XXXX/XXXX/XXXX report update. Innovis failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Innovis on the matter, the Innovis phone staff member confirmed that Innovis is using an electronic " update '' from XXXX XXXX verification and ignored documented evidence from me that they confirmed receiving. This Innovis phone staff member went on to say that they were very familiar with the FCRA and they ( Innovis ) did n't care what I sent them because they would only report what came to them directly from XXXX. I believe this is a violation of the FCRA because the " update '' Innovis received from Navient does not contain any documentary evidence that Innovis nor XXXX has or can provide to me, and their " update '' is a month beyond the FRCA 30 day required time period for a response from the XXXX/XXXX/XXXX receipt of certified notice of dispute. This is a very good example of how the FCRA is being openly violated by CRAs. What is the point of allowing disputes to CRAs if they will ignore documented proof submitted by consumers and continue to publish non-proof " updates '' from creditors?
Consumer complaint received 2015-05-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I get a message that my escrow account is short {$560.00}, I pay that, send it in, then I get another message that since I sent in the {$560.00}, they assessed my account again and found I 'm short again {$68.00}. In one month my account went up {$43.00}. This is wrong.
Consumer complaint received 2015-05-12
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO. (CA)

I initiated a wire transfer from my Chase business account to an overseas supplier on XXXX XXXX, 2015 in the amount of {$2200.00}. I got an error saying that the transactions could not be completed. The system was unstable and I had issues going to wire page. After a few minutes I tried the transaction again and got a transaction successful message. Just to double check I went to the " wire activity page '' and saw not XXXX but XXXX transactions for {$2200.00}. I spent 1 hours and 5 mins shuttling between various groups. XXXX transactions showed as complete and the second in transit. I asked the intransit to be cancelled because it was obviously an error on Chase 's part. They admitted that were having system issues. At the end of the call I was told that the transaction completed and they could not stop the transfer. They said they would contact the Bank in XXXX for a reversal. I called them again on on XX/XX/XXXX and was told they are still waiting for a response. I called again on XXXX XXXX and there was still no resolution. 
I discussed with my supplier and he was willing to wire the money back minus the {$10.00} deduction his bank made and any charges they would make for a wire. Chase on the other hand said they couldnt do anything about the reduced amount but would credit any of their own fees. They said they were not responsible for any fees on the receiving bank 's side. I aksed if it would be better for me to await Chase 's resolution or request the supplier to return the money. They were non-committal but finally admitted that perhaps having the supplier return the money would me more timely. 
How can I be made to beg for my own money. I ca n't believe Chase has been so incompetent and unapologetic for their mistake. What if my account goes overdraft! I ca n't believe I am expected to be in the red for a Chase system error, which they are not taking responsibility for, but admit.