davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I filed a complaint to concerning the credit reporting practices of the XXXX credit bureaus. Equifax , is still reporting my credit score unfavorable, with out any justification supported by the Fair Credit Reporting Act. My Score dropped by over XXXX points, the reason. I use over XXXX percent of my credit card balance. 
I have been working on fixing my credit score for over 7 years, and it has been an up hill battle. I would like to purchase a home however, the unethical reporting practices by Equifax has drastically hindered my progress. 
I need this corrected immediately.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OH)

My loan was bought out by Seterus and they underestimated my escrow ( taxes and home owners insurance ) and sent me a bill each month for 9 months for the underestimated amount. Finally, they sent me a letter telling me that I had to pay {$2000.00} to bring it current. 
I refused and paid {$220.00} then {$100.00} or more per month. And now I believe my balance is only {$48.00}. But they claim that it is more and are threatening me with foreclosure.
Consumer complaint received 2017-03-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION (NY)

This complaint is in regards to the unethical business practices in which XXXX XXXX NMLS # XXXX with M & T Bank endured on me. I am a XXXX-year-old citizen and was trying to buy my first home with a FHA 3.5 % loan. After listening and trusting in the loan originator mentioned above, I felt I can trust her and the bank at hand. After 2 months of phone and emails, we finally decided to move forward with the loan process. She mentioned to me that to move forward, I need to have the appraisal done first to START the application. I asked her why would I pay for something upfront if I do not know if I am going to get accepted for the loan first ...? I then asked if I get charged for the appraisal and get denied, will I get my money returned, and she said yes. I read the fine print as well, and it did mention I can get a refund if denied the loan during process. So, trusting her since this is my first time, I said okay, let 's go forward. NOW, I am stuck with a {$930.00} appraisal fee ( with no appraisal document ) with a loan that I was denied. I was baffled on how fast she turned over the tables and said that I need 25 % down for the loan to proceed or I will get denied. I said WHAT! I was under the influence of her telling me that everything is good, then went from {$3500.00} down payment to {$25000.00}. All my paper work went through for a FHA loan, not a conventional, and then I received a letter on XXXX XXXX, 2017 stating that I was denied but with no reason for why I was denied the loan. And I am also stuck with the {$930.00} appraisal fee which they refuse to credit back, again, with no valid reason which was done on the XXXX. The appraisal was done on XXXX XXXX, 2017 and the way that I found out was through my broker who called me the same to tell me the appraiser finished. I said oh wow, because I had no knowledge of when he was going to meet with my broker, which all happened in one day, in which THEY contacted my broker without my knowledge. 

So, the appraisal was done on the XXXX, I was denied on the XXXX and asked to put {$25000.00} instead or we can not go through with the loan. I still have not received a valid reason for being denied and still have a charge of {$930.00} on my credit card. This was a clear indication that the loan originator was all along trying to get the most money out of me by deceiving me from the beginning. Then I reached out to several numbers to get some help and all the calls with M & T Bank employees were just brushing me off. I also spoke with XXXX XXXX, VP of Administration for M & T Bank, her boss, and it has been over 3 weeks and several voice messages and no results. I feel I have been robbed of the opportunity to buy my first home and of {$930.00} for a service I can not use with M & T Bank unethical business practices. Currently, I am still waiting for a call or feedback and no luck. Why would they do this to a XXXX-year-old for?!? I wish I had help ... ...
Consumer complaint received 2015-10-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WI)

For the second time in the past XXXX months, American Education Services XXXX AES ) has sent my student loan to a collection agency, XXXX XXXX. In XXXX instances, I have received the collections notice and my current AES statement showing a current balance within the same week. The loan AES is currently servicing was originated and previously serviced by XXXX. Under XXXX, I always had a monthly auto-payment to issue payment at the end of every month. When AES took over the loan, I updated my auto-payment and continued issuing monthly payments as I have been for years. Since AES has taken the loan over from XXXX of 2015, my account has been sent to XXXX XXXX for collections twice. This is extremely frustrating because I need to write disputes every time this occurs to ensure I contest the debt to prevent any negative impact to my credit score. Given the fact the collection letter and my account statement ( showing my balance is current ) come the same week, it appears as though AES is preying on its customers. If customers do n't react, they could have very damaging and unwarranted impact to the customer 's credit. I have been making my monthly auto-payments for over four years, and it 's only been issue since AES took over the loan. Something needs to be done about this because this is downright harassment.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services (LA)

I have credit monitoring services through my bank and through OPM because I work for the federal government and alot of our information was compromised. I got an alert from both my bank and the credit services provided through OPM stating that Clarity Services , Inc. checked my credit report for some reason that is still unknown to me because I have not recently applied for any loans or credit cards. I contacted their XXXX number and they tell you to leave a message and they will get back to you, so then I sent an email regarding why are they making unauthorized checks on my credit report. I recieved an email back from a XXXX XXXX telling me to send them a copy of my govenment ID along with other paperwork so that they can investigate what is going on and why they are reviewing my credit report. I replied to the email and stated to him why in the world would I send you my infomation and I am trying to figure out why you are looking into my credit and it was unauthorized in the first place. He stated he understood but is still asking for my information. I have yet to reply to the last email sent by XXXX XXXX and I just do n't feel comfortable with the whole situation. Again like I have said it is unauthorized and I want it removed from my credit report and I would like for them to be investigated for unauthorized use to run my credit report. I have researched this company and many complaints have been made through the XXXX for the same activity that is happening to me at this current time. Please assist me in this matter because I am afraid that someone might be trying to steal my identity.
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

There are XXXX accounts on my credit that do not belong to me and Equifax keeps stating that they have verified this info and I have called XXXX these companies and they tell me they have no information from me associated to those accounts. I keep telling them that they are reporting on my credit and they tell me that they can not tell the bureaus to remove something they do n't even have in their records this is extremely frustrating since no one is willing to help and Equifax has not done anything to help with this matter. Accounts are the following XXXX XXXX Bank XXXX - XXXX and XXXX # - XXXX those XXXX accounts are not mine and I never authorized anyone to obtain those accounts in my name.
Consumer complaint received 2015-08-24
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SCV Inc. (CA)

I keep getting a call from XXXX saying that they are representing Tier 1 Capital LLC and that they are going to send me a summons for failure to pay on a payday loan that I did not take out nor do I owe. He was trying to confirm other personal information. They are also calling my husband 's phone. 

The numbers they are using are:XXXX and XXXX.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IN)

Names of people I do not know are on my list of people I know. I do not know a XXXX XXXX, XXXX XXXX or none of the XXXX listed on my report. My inlaws are XXXX and XXXX XXXX. How do I fix? I tried several times with letters and phone calls. This cant be that hard. How was they added?
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX/XXXX/16 Complaint Department Equifax Credit Information Services , Inc XXXX XXXX XXXX, GA XXXX XXXX I am writing to dispute the following information that your company provided to XXXX my Report number is XXXX on XXXX XXXX, 2016 I have circled the items I dispute on the attached copy of the credit report I received. 
This item Federal loan services Credit Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. Account Number : XXXX ... Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XXXX Status : Transferred, closed. 

These above accounts are been rehabilitated according to the XXXX Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX ) my account is XXXX. 
According to the XXXX the above duplicate accounts listed XXXX XXXX XXXX should be removed. The XXXX further reports that credit bureaus should contact the XXXX while these items was disputed. While the credit bureaus never contacted the XXXX provided me the letter as evidence mail to Equifax. According to the XXXX these items should be removed. Please removed these items, or contact the XXXX Furthermore Account Number : XXXX Date Opened : XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. Please provide me the evidence that I owe them any money. 
I am requesting that Equifax have the item s removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my XXXX passport and driving lic, as evidence that I have XXXX single name. 

Supporting my position. Please reinvestigate these matters and contact the national credit reporting companies to which you provided this information to have them deleted the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX Pennsylvania
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OR)

Ive sent my bankruptcy paperwork to Equifax and a current print out of my credit report. I have circled the issue items that should be removed from my Equifax credit record. XXXX has already removed everything off my record accept the bankruptcy. Equifax has everything they need to update my record. And has not done anuthing as of yet. Ive also made several phone calls to Equifax tryn to see why nothing is being done. And ill i keep getting is the run around. Ive done everything i have been told to do to take care of this issue. Why is Equifax so unwilling to correct my credit record? I have sent all of my paperwork to Equifax. And have proof.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PA)

In the economic downturn of XXXX I had a severe reduction in income, which put me in a position where I could not meet all of my regular obligations at once. I reached out to every creditor to make arrangements to either arrange for a settlement with my tax refund in XXXX, or to imporive my terms. Inexplicably, my balance with XXXX bank ballooned by a factor of over XXXX % without me adding any charges at all in a period of a couple of months. I was at an impasse with XXXX and they threatened to sue and they did. I requested statement documenting the obligation that XXXX claimed that I owed and having received the documentation I was prepared to defend myself in court. To my great disappointment and disillusionment with the fairness of the PA court system, XXXX asked for a summary judgement and received it without my ability to simply present the facts to a judge. Recognizing that my cause for fairness and justice was lost, I contacted the attorney for XXXX and asked that I be permitted to simply pay what I owed and nothing more, as that was the fairest resolution I could possibly hope for and the attorney agreed to accept a fair settlement of the bill. To the credit of the attorney for XXXX, they agreed to drop the matter legally, I and I chose not to appeal. Retaining this judgement on my credit report is a continual misrepresentation of the matter, and it should be corrected.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I was victim of identity theft. Some accounts were opened, and managed without my authorization. XXXX, acct # XXXX. I have already submitted an identity theft affidavit, signed and notarized by me, as well as police report, and other supporting documentation, validating my claim. Equifax has chosen to violated section 605, as well as 611 of the FCRA, by not complying with my request. I did n't incur these charges, nor did I opened any of these accounts. I should n't have to pay for any of these. My credit is ruined due to some individual that has no remorse, and any ethics. I am now paying for this sins.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (OR)

Information they are asking me to verify my account is not relevant and none of it relates to me. It keeps denying me a copy of my report saying I have failed to verify information that is not mine. Addresses and liens are not mine, as well as some charges from comcast related to the bad address. This is from equifax. The other agencies responded and removed the information from my report.
Consumer complaint received 2016-10-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK (NJ)

I originated a Discover personal loan at {$4500.00} 6 or 7 months ago have made XXXX payments = $ XXXX on time never late and show owing $ XXXX bottom line is the interest being charged is shady. In review of statments some payments the bank took {$20.00} and applied to principal and the remaining {$95.00} is applied in interest? The on other statements its more evenly distributed. Is this fair? The bank can chose to randomly change the amount of principal and intrest applied from payment? Had i known it wasnt going to be an even and fair disribution of my payment i would of never took out this loan. There is no where to view the actual $ amount charged in interest on the loan. The bank only shows how much of the payment they applied to interest not how much was charged. Its shady and DISCOVER PERSONAL LOANS should be held accountable. I feel like ive paid an accessive amount of interest for only having originated this {$4500.00} loan 6 months ago
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (MD)

I am unable to log in to the Discover website : XXXX. I attempt to reset my password ; but, it tells me that XXXX of my security information questions is incorrect ; which it is not ( the model of my first car ). The website is the one that is wrong. I was being told, it was information pulled from public records. Then, the public records are wrong. I know very well what my first car was. The site will not let me sign in with another e-mail address. This needs fixed and yesterday!
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

I am requesting with this written notice that the following inaccurate XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX item be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I have sent previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (CA)

XX/XX/2016 I received a call from Discover stating they were calling because someone was attempting to use card, I then informed them it was not us. I was under impression that they would not allow transactions to go through. Well XX/XX/XXXX I receive an outrageous bill, they allowed the transactions to go through. I filed dispute end result was that signatures match so they determined it was n't fraud. It is in fact fraud, I asked them to show me footage of security camera and that I had told them not to allow transactions because we were both at work, not out shopping.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (VA)

Discover Financial Services, through its Discover Card credit card, is taking consumers that carry a revolving debt to the cleaners. When a consumer is granted a lower interest rate, that rate does not apply to the current balance but only to future balances. Then to further insure that they continue to pick the pockets of the consumer in the form of interest charges, future payments made by the consumers are applied to the newest debt at the lower interest rate first. This allows the old debt to continue accruing interest charges at the higher rate.
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (GA)

I have been having issues with Rent Recovery Solutions LLC. The representative who is in charge of the account with my name on it, " XXXX XXXX '' will not withdraw my debt for XXXX accounts that are in collections. XXXX account, for XXXX in XXXX GA was for a broken lease for XXXX XXXX, with my name printed on the lease but was never signed by me. The other account, for XXXX XXXX XXXX, in XXXX, GA was also an apartment complex that Rent Recovery Solutions says I owe for a broken lease but my name is missing from their collection documents and so is my signature. Rent Recovery Solutions, LLC. will not allow me resolve this debt unless the apartment complex 's corporate office sends them something in writing. The corporate office for XXXX XXXX XXXX, named XXXX XXXX, was able to send in a " debt cancellation/debt withdrawal '' letter acknowledging that they did in fact send my information to Rent Recovery Solutions LLC in error. XXXX XXXX at Rent Recovery Solutions, LLC. advised me on XXXX/XXXX/2015 that she did receive the letter from XXXX XXXX XXXX XXXX XXXX, 'XXXX '' ( Phone XXXX ) to withdraw my debt and that it would take 45 days to remove from their system. She advised me that this would not be removed from my credit report and that there was also still an unpaid account left in my name for XXXX XXXX XXXX XXXX. I recently visited XXXX XXXX XXXX 's Leasing Office with documents from Rent Recovery Solutions proving that my name was missing from their documents and they advised me to get in touch with corporate to have it removed from collections due to error also. I contacted the corporate office of XXXX XXXX XXXX, named XXXX XXXX ( Phone XXXX. XXXX. XXXX ) on XXXX/XXXX/2015, and they advised me that they did not have my name in their system as having a lease with them. I asked if they could send something in writing to XXXX XXXX at Rent Recovery Solutions proving that this account was in error, and the representative at the corporate office advised me that all he could do is call Rent Recovery Solutions and asked for it to be removed, he refused to send any documents on my behalf in writing. After following up with XXXX XXXX at Rent Recovery Solutions, she was becoming very difficult to work with. She advised me that she understood my name or signature was not present on any of the documents she had on file for my account but said my only XXXX options were to get the corporate office of XXXX XXXX XXXX to send something in writing or pay a debt that was not mine. I am unable to get any more responses from the corporate office or from XXXX XXXX at Rent Recovery Solutions and wanted to reach out for more assistance before this becomes a legal matter. XXXX XXXX 's at XXXX XXXX XXXX direct number is : ( XXXX ) XXXX. Please assist me with getting these invalid debts removed from my credit history.