davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
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. (NC)

XX/XX/2020 I mailed a letter to XXXX  and Equifax to remove inquiries off my report that I did not authorized. XXXX  deleted these inquiries on XX/XX/2020 after placing a fraud alert and freeze on my report, I had already contacted all the companies and they advised they did not have my info and that I need to contact the credit bureau 's and police. The police said they could not file an identity theft report because I don't have enough information or the person 's name that may have been using my information. I told this to XXXX  and equifax and notifed them several times and sent follow up letters several times to ask how they verified this information when indeed I did not authorize these inquiries and they have not provided any proof on how they verified these inquiries. Equifax responded on XX/XX/2020 stating they weren't deleting the accounts. XXXX  has yet to respond or provide me with an update.
Consumer complaint received 2021-02-25
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: EQUIFAX, INC. (IL)

I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2020-05-28
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. (MS)

I Have of submitted my Identity theft paperwork from The FTC as Im am a victim, and the credit reporting Bureau refuse to remove accounts that are affecting my credit, and this act is greatly affecting my ability to get credit, I'm looking to do a refi on my house.
Consumer complaint received 2017-09-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SUNTRUST BANKS, INC. (MD)

I am the co-borrower of the loan with Sun Trust. The originator of the note is XXXX XXXX who is protected by bankrupcy. I have made all the payments on this note. I live on a fixed income and always are a few weeks late due to the fact that XXXX comes the third of the month. I have requested that Sun Trust refinance it in my name with my check each month as collateral. I spoke to the XXXX Sun Trust Officer last month and she says nothing, but to go to another bank. In the meantime, I am paying interest that are in excess of 40 %. Sun Trust refuses to renegotiate this loan and it is costing me late fee 's and unreal interest. 
I have spoken to them on a dozen situations but they are not willing to help. I will end up paying {$30000.00}. for a XXXX dollar truck and that is not fair. XXXX XXXX the originator of the loan is protected by Bankrupcy and I have not had a payment history of any kind in more then a year now, no statements, nothing.
Consumer complaint received 2017-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (IL)

Guaranteed rate, mortgage servicers on XXXX acquired loan, sent notice of change in servicers one week before loan payment was due. During the servicer change, the banks had n't switched over payment information and even gave the new servicering company XXXX XXXX XXXX ) an incorrect address on my account. Now the new servicers will not accept my payments nor will it allow me any information about the account until I visit branch and provide an ID, which I 'm not close to.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (AZ)

Apple credit card sponsored by Goldmans bank overcharged me an interest fees. My XXXX balance was {$420.00} My new purchases came to XXXX and I made a payment of {$800.00}. There was no cash advance on my account and yet I was still charge five dollars in {$5.00} worth of interest. When I contacted Apple they advise me it was due to trailing activity from XXXX
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

My home was devestated by hurricane Michael in XX/XX/XXXX. In XX/XX/XXXX, I overnighted the insurance check in the amount of {$24000.00} to Ditech along with an overnight return envelope ( as instructed by Ditech ). After some confusion as to what the balance for the mortgage payoff was, it was determined to be between {$3000.00} and {$4000.00}. I was told it would take 14-16 business days to receive a check for the approximate {$20000.00} remaining after the mortgage was paid in full. This is the money to fix my home so that I have somewhere to live. I am XXXX and cant affort to continue my trustee payments and pay for additional housing. After numberous phone calls to Ditech that always end with no definitive answers, I did receive ( postmark XX/XX/XXXX ) my title to the mobile home which was dated XX/XX/XXXX. I have made at least 6 phone calls to Ditech since early XXXX when I received the title, all of which I asked to speak with a manager, and they have given several different reasons for the delay, including that accounts were frozen because of the company filing for chapter XXXX bankruptcy. No one returns calls or knows what any other department is doing. Yesterday I was told that the check was mailed to me on XX/XX/XXXX??? They didnt send it in the prepaid addresses overnight envelope that they requested so I cant track it. Now they would have to reissue the check and that would take 14 more business days. Why could they not tell me that it had been mailed when I called ... all the times I called? I think they are trying to buy more time and this has taken long enough! Ive read several other complaints about Ditech filed here with your agancy and it seems that further investigation is certainly warranted!
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

Equifax web site encourages you to fill out information to request annual credit report AND initiate a credit freeze online only to have you go through the steps and then tell you they can not fulfill request online. You must submit request via regular mail.
I would say give the fact that they are the ones responsible for placing 143 million consumers in harms way that they need to be able to respond to these requests online and in a timely manner.
Very frustrating!
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

I have an Equifax account and all of a sudden I had a Fraud Alert as one Co. alerted me when they try to check my credit report, they could not. That Co. was a landlord in a place I trying to move in. So that was ok, but what happened with the Fraud Alert? I did not initiated. On their website the member can initiate a Fraud Alert him/her self. But there is no way for the member to remove it. Can NOT remove it? ( why? ) I had a dispute in XXXX, but that was resolved and case was closed. 
Than I had to call Equifax. Finally after several persons and several hours, the person tells me that he can remove it but I need to Fax over a copy of my Driver License and my Social Security card also one copy of a utility bill. 
Because I'm in a desperate situation to move into my new home I did Fax to the number were given to me by Equifax person. 
1- If the member can initiate an Fraud Alarm, how come we can not remove it. ( Their answer was : Security reason ) That I think is a bit overstatement for this isssue. 
2 - They should not ask for any copies of documents like Social Security Card or Driver Licence over Fax. ( Where is the security here? ) Also when we call they asking for Social Security number on the phone. ( where is security here? )
Consumer complaint received 2020-05-27
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. (CT)

The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Equifax of this and it is Equifax who should make these changes by removing the inquiries. 

XXXX XXXX XXXX XXXX  XXXX  Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX   only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Consumer complaint received 2021-02-25
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Westlake Services, LLC (AZ)

I was called at XXXX XXXX by Westlake Financial regarding a payment that was passed due, not sure if call was being recorded as the Mini Miranda was never read either. After speaking with a manager/supervisor and advising them that they are violating the CFPB guidelines the manager continued to ask if I wanted to setup a payment.
Consumer complaint received 2019-02-28
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)

There are inquiries on my credit report that are not mine and someone has been trying to open accounts in my name. I am in the process of contacting the appropriate authorities. The following inquiries are from identity theft and not mine. Attached is a copy of my FTC affidavit. 

XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-22
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. (MD)

On XX/XX/2019, I filed a dispute number XXXX with Equifax Credit Bureau to start an investigation into an inquiry placed on my credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. # XXXX, XXXX XXXX, NV XXXX, XXXX. XX/XX/2019, the results came back stating that " inquiries are a factual record of file access. '' I assume this means that the information gathered by Equifax Credit Bureau was inconclusive to overturn the removal of the inquiry. In the letter, they provided me with the creditor 's name, address and phone number which was an option for me to contact XXXX directly. On XX/XX/2019, I contacted XXXX XXXX XXXX directly at XXXX. I spoke to a representative and was transferred to the Owner Services Department. After giving them details for the reason of my call, I was given a phone number and was ask to call the Recovery Services Settlement Department at XXXX, leave a message and they would return my call. This all started when my wife and I attended a time share presentation on XX/XX/2019 in XXXX XXXX, SC. I didn't sign nor authorized anyone to pull my credit but by the time I got home I noticed the unauthorized inquiry by XXXX XXXX XXXX on my report. I decided to file a second complaint with Equifax. The dispute number XXXX was filed on XX/XX/2019. As a result, I have been unsuccessful getting this unauthorized inquiry removed by Equifax Credit Bureau and XXXX XXXX XXXX. Your assistance will be greatly appreciated.
Consumer complaint received 2019-02-28
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-09
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NY)

In response to Wells Fargo 's closure to my complaint ( ref # XXXX & XXXX & ) I'm again very displeased with the lack of accountability and total disregard of the financial harm inflicted on all victims of Well Fargo 's Pick-A-Payment mortgage loan that it so sanctimoniously stands behind and thereby supports. Once more Wells " special '' representative assign to review my complaint called on XX/XX//19 to inform me of her findings and again to my disappointment it was evident that she had investigated for closure rather than for fair and amicable resolve. I had to once again explain that the Modification once approved by then XXXX did nothing to provide any sustainable financial relief, but rather placed my outstanding payments due on the back of the loan with no interest rate or payment relief. When I went on to once again explain that by accepting the so-called " Modification '' the terms forfeited my rights to pursue any legal action ( have supporting documentation ), she seemed unaware and unfamiliar with my complaint and to the degree of Wells legal responsibilities.Please now be advised that I've hired the law firm of " XXXX XXXX XXXX  '' and in correspondence with my District Attorney XXXX XXXX for a full investigation, but keep standing behind this destructive loan product and the unjust decisions that were made along the way.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (DE)

This collection agency is claiming I owe {$560.00} for an account with XXXX XXXX XXXX fro an account in NJ yet I've lived in Delaware for the past 18 years. I asked for copies of the application or a copy of the any records or recordings they have regarding phone calls, etc. and they've refused to provide them. I sent a letter disputing the debt along with a copy of a police report from a few years ago where someone filed tax returns and open accounts in my name yet they continually claim they don't receive them. The woman XXXX  is a NASTY NASTY woman and refuses to remove this from my credit report. They have NEVER sent any letters to me nor EVER provided any documentation from the alleged creditor. They are asking me to do their job and verify I don't owe it yet the burden of proof is on them to prove it IS owed ... which it isn't! They refused to provide any DOS 's ( dates of service ), and are asking that I go file a police report and take time out of my busy schedule to fix their mistakes. XXXX XXXX of National Recovery owes me {>= $1,000,000} for an unpaid services and he has never disputed the DOS despite me sending him letters. Now I would like XXXX  to go file a police report that he doesn't owe me the money. Until then, I will start reporting the debt to the credit bureaus as I have found his social security information online.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (ME)

On XX/XX/XXXX I had made a purchase with my synchrony XXXX credit card, and they closed my account after the purchase saying I was inactive for too long and dropped my credit score over 100 points. Synchrony doesnt care and says they can not restore the account and that I would have to open a new one. This is highly unfair and I feel powerless as a consumer. Ive worked so hard to maintain a great credit score and this happened. Please help.
Consumer complaint received 2019-10-22
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)

THE DISPUTED ACCOUNTS WERE NOT AUTHORIZED BY ME, PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SO MANY DAMAGE TO MY FILE. I AHD NO IDEA THOSE ACCOUNTS WERE PLACED ON MY FILE, PLEASE CONDUCT AN INVESTIGATION AS SOON AS POSSIBLE.
Consumer complaint received 2019-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

Loan servicer since XX/XX/XXXX. 
Escrow analysis of XXXX of XXXX showed a shortage, which would increased mortgage payment by {$600.00} a month. 
Inquired within the company on XX/XX/XXXX, who offered to extend the shortage payoff over additional time which brought payment increase to $ XXXX  month. 
I paid the total amount due at that time, and the amount due was not the adjusted amount. 
After submitting payment, the amount due was adjusted, I was not notified, and due to the adjusted amount, there was a {$400.00} difference. 
In XXXX, as I went to make monthly payment, the account was marked Past Due. I called again to the company, they apologized for confusion, noted my XXXX payment, and the amount due did in fact adjust after my payment. The difference amount due of {$400.00} was paid at that time and account was brought to current status. This was reported to the credit union as a delinquent account. 
My complaint is first, how does an escrow analysis show such a deficit where ones mortgage payment is increased by greater that {$600.00} a month! 
Secondly, reported delinquency to the credit union due to past due amount, although the total amount due changed after the payment was made. ( Total due on XX/XX/XXXX. After the total due was paid in full on that day online, a later day the amount increased to by {$400.00} without notice to myself with email or call to I form amount changed and should be pain in full by XX/XX/XXXX. 
I find myself extremely fustration and lacking any control. Will my mortgage increase yet again? Are they making correct analysis? They have been informed all along of the town taxes and insuramce rates. How does this happen? I am fearful, as a single mother of XXXX XXXX  children, how can a mortgage amount changed so drastically? 
Then the internal confusions of working with the company which results in credit reporting.
Consumer complaint received 2021-05-21
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. USDOE/XXXXI - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2017-09-16
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. (IL)

All four major credit bureaus XXXX, XXXX, XXXX and XXXX have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.