davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I owned a home in Michigan for XXXX years. Shortly after buying, Seterus became the loan servicer. Difficult company to work with overall, extremely difficult to reach anyone and when you do, they are woefully unable to do anything other than recite information you already have. Most recently, I was lucky enough to find a buyer for my home and moved towards closing it XX/XX/XXXX. I was told the payoff prior to closing and it was approximately {$140000.00}. When I showed up to close, the amount had jumped to {$150000.00}. The main driver for the variance was an amount labeled " Interest Arrearage '' in the amount of {$5200.00}. After numerous calls to Seterus and much time wasted, no one is able to explain this or even provide a simple accounting as to the breakdown of the {$5200.00}. Very unprofessional and possible fraudulent. But par for the course with Seterus overall. I 'm hoping this oversight entity, the CFPB, will carry more weight than a lowly consumer such as myself when asking the same questions. Please help!
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I have now mailed Equifax twice, on XXXX/XXXX/2015 and XXXX/XXXX/2015, and asked for an investigation to be conducted on specific accounts I question on my report. They have not responded to me. I will attach the letters I did send them copies of my drivers license, social security card, and phone bill BOTH TIMES. 
I demand a response immediately and sanctions levied for willingly breaking federal law!
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Hello, Please view case numbers : XXXX and XXXX for CFPB. I have been trying to get Equifax to remove this incorrect information off my credit report for over 8 months. This has stop me from buying a house and applying for credit. Now, I have a letter from " XXXX '' stating my identify stolen and this could have taken place far as XXXX years ago. I have medical charges on my credit report which are not mind and Equifax refuse to remove them. In addition to an old account dated back in 2006 for XXXX # XXXX that is not mine and showing I 'm late and dropping my credit score to a XXXX. This score is a XXXX point off the other agencies ... How is that? I have sent Equifax the police report, but they are above federal law and keeping people credit score down to sell information to inflate interest rates. Please help me and investigate why Equifax will not remove these negative accounts off my report : XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX have attached supporting documents. Also, I will allow you to review my credit report. 
Thank you in advance! 
XXXX XXXX
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (WA)

I am submitting this complaint against Equifax credit agency. First, a little history ... I have free credit monitoring protection due to my information being compromised in multiple consumer breaches. In recent months, there has been an increase of fraudulent activity where my personally identifiable information has been used in attempts to open accounts with several financial institutions. This prompted me to file a police report and submit a credit freeze with the XXXX Credit Agencies ( XXXX and Equifax ). XXXX and XXXX are great! They have very helpful, friendly service and I was able to get freeze my credit with them in no time. When I attempted to contact Equifax to submit a credit freeze and dispute a credit report, I was confronted with a fully automated answering system without option to speak with a live representative. I tried three different phone numbers XXXX XXXX ; XXXX ; and XXXX ), but each number connected me to the same automated system. During the automated call, Equifax instructs callers to submit requests for fraud alerts, credit freezes and credit reports by mail. The most disturbing issue is that Equifax requires callers to submit personal information including, full social security number, full mailing address, and a bill or paystub. This is appalling and unprofessional. No organization, especially a credit agency should be asking anyone to submit personal information through the mail. Please fine, reprimand, hold Equifax accountable to this gross negligence and mishandling of personal information. Thank you.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (SC)

Equifax has reinserted an account that was previously deleted from my credit file with no notification what so ever. The following account was previously deleted from my credit file over a year ago. 
XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$3300.00} XXXX/XXXX/XXXX CHARGE-OFF This account was disputed as fraud and a police report was provided and the end result was the account was blocked/deleted. Equifax has violated the FCRA by reinserting this account that was previously investigated and deleted/blocked. 

I have also disputed the following account with Equifax in the past month as not belonging to me and as being part of fraud : XXXX A Show Details XXXX XXXX/XXXX/XXXX {$1900.00} XXXX/XXXX/XXXX {$1900.00} COLLECTION ACCOUNT I has supplied Equifax with a copy of a current police report, and an identity theft affidavit, but Equifax has refused to comply with the FCRA Section 605 B by using the police report and the identity theft affidavit and removing/blocking the account from my credit file. Equifax sent me a letter telling me that they were not going to comply with the FCRA and were not removing the account from my credit file.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

XXXX no longer serves its ' purpose, there is no way to easily get your credit report the way the reporting companies have set this site up. What a shame, a system meant to force private industry to be responsive to the consumers who information they make their profits off of, has been infiltrated by the reporting companies and completely neutered of any relevancy, a dnwe have the great folks in charge of regulating this at the FTC to thank. Thanks for doing your job for all American ( companies ), you guys really deserve a raise. ( Hint, the American citizen has been tapped out already, any raise you people get for doing absolutely nothing is going to have to come from your corporate overlords from now on. )
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I informed Equifax that XXXX - XXXX XXXX, XXXX, XXXX XXXX ( Account # XXXX ). Was a fraudulent account and I disputed this with the creditor and all XXXX credit reporting agencies. XXXX and XXXX deleted this item as they should. But Equifax keeps saying that this is legitimate and it 's not! I 've sent them multiple pieces of documentation informing them that this is a fraudulent account opened in my name and they will not remove it.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

EQ - had confirmed by way of my previous disputes ( XXXX XXXX ) that a CLOSED or PAID/CLOSED Tradeline, can not and should NOT have an Activity Designator = NA. 



Although I have disputed " this '' item at least 5 times previously, I am simply reminded of willful noncompliance. 
Because EQ is attempting to take my complaints from the CFPB site, I offer the following - once again. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 
I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my rights. 
I do not, and am not disputing ownership of the Tradeline contained in this dispute. Assigning that as the issues, and then responding to this Dispute ( number XXXX ) simply adds to the number of attempts I have made, to have you EQ - resolve this item. 

XXXX - XXXX XXXX. This account is CLOSED. 
2. XXXX XXXX has NOT submitted a record update since this Tradelines Closure ( XX/XX/XXXX ) 3. The Tradeline has an Activity Designator of N/A, and can not - as it is closed and has been closed since XX/XX/XXXX. Please update the Activity Designator to PAID/CLOSED 4. This account then, lacks it TRUE pay history for the duration of time in which it was open, AND IS Inacurrate 5. This Tradeline then lacks its TRUE balance history for the duration of time in which it was open, AND IS Inaccurate 6. The " Months Reviewed '' is inaccurate, and then impossible based on the factual date open/date closed It remains incomplete, and inaccurate on my file for 10 years - Either Verify the entire Tradelines details and fix/update the record to be complete and with correct pay and balance history, or DELETE this incomplete and then inaccurate Tradeline.
Consumer complaint received 2015-06-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (VA)

I have a loan that is being serviced by Sertus ( XXXX ). I received XXXX statements with an adjustment of principal. I have been informed for the XXXX time that the company does not amortize mortgages, and as such, can not furnish me with an amortization schedule. If the individual is not making any additional principal payments, this would not be a problem. However, I do make extra principal payments, and by not amortizing the mortgage, the mortgagee will be paying interest on a nonexistent principal balance and will be overcharged as a result. I have attached the following mortgage statements. As you can see there is an adjustment of principal paid, but no adjustment to the principal balance. My work number is XXXX. My mailing address is on the statement. Please advise as to what action you plan to take with respect to the above. 
XXXX XXXX, XXXX
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

This is a account that continues to report negatively to my credit that is not mine. It lists me as a authorized user, but stopped reporting XX/XX/2015. The company agreed to remove this from my credit report since it was not mine debt and sent me this in writing and verbal agreement via phone - but XXXX days later it still appears. Equifax is not updating their report or the company did not due as they are required. It is also reporting a late, which is not mine, which is negatively affecting my credit score, and ability to obtain new credit and qualify for a mortgage.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

This is getting ridiculous. Equifax sent a correspondence claiming to have concluded the investigation for my dispute against the said debt purported by XXXX XXXX as valid. I have submitted copies of all my letters to XXXX initiating billing disputes. XXXX XXXX has violated the Fair Credit Billing Act. At best, this matter boils down to a billing dispute initiated by me before voluntarily canceling my service. XXXX has yet to acknowledge my billing dispute and just keeps sending me unaltered copies of the final bill. It 's like I 'm " talking to a brick wall. '' This is willful ignorance. I use plain, straightforward language in my correspondence, and I 've submitted it to Equifax, XXXX and XXXX. XXXX XXXX has unlawfully reported this account intending to affect my credit rating and willfully reported me as delinquent. This is grossly inaccurate. I have submitted a request for full disclosure of the investigative process carried out by Equifax to verify said debt, and sent a copy of the letter to XXXX XXXX corporate headquarters in New Jersey. I have filed an FTC complaint against XXXX XXXX. 
XXXX XXXX has committed several violations of the FCBA and FCRA, including but not limited to, threatening my credit rating, reporting me as delinquent, willfully failing to acknowledge my billing dispute, failing to apply/post credits, charges for goods and services you did n't accept or that were n't delivered as agreed, and unauthorized charges for data when I only agreed to start service under the promise of an unlimited data flat rate plan for XXXX phone line. Equifax has equally violated laws protecting against that to which I 've been subjected because they have failed to decide this matter according to law. My documents clearly show that I have initiated my billing disputes timely and properly. The mere submission of a bill statement from XXXX is legally insufficient as peremptory evidence that the XXXX account balance is accurate. That just gross bias. My documentation is not being taken seriously. My complaints are not being taken seriously and meanwhile XXXX XXXX is still wrongfully report me as delinquent and has never even so much as acknowledged my billing dispute.
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I would like to report multiple cases of debt re-aging by the XXXX. I have disputed with both Experian and XXXX multiple times, and in each instance the XXXX alleged debts are " verified '' and are allowed to remain on my credit reports. Now when I try to resubmit the disputes ( for at least the fifth time, possibly more ), I get a message from Experian 's website stating the items have previously been disputed and that they will not process duplicative disputes. The dates of first delinquency have been changed and made more recent on multiple occasions, allowing the erroneous " late payments '' to remain on my credit reports indefinitely. The true dates of first delinquency are well beyond a decade ago, and I continue to be penalized for these debts from XX/XX/XXXX ( this is XX/XX/XXXX! ). They are also erroneously reported again on my XXXX credit report as duplicate accounts with still more late payments reported by Dept of Education/XXXX.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I disputed adverse accounts on my consumer file in XXXX, XXXX, XXXX XXXX XXXX accounts I was requesting to validate that these debt belong to me but Experian failed to provide me a copy of any original documentation for example a consumer contract a with my wet ink signature on as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CO)

I have been watching my credit report on all XXXX agencies since I was sent to default on some student loans I should n't be in default for, regardless, I have been submitting disputes to agencies and slowly building or trying to build back a credit they seem to no longer care what I dispute. I have never had issues with experian until now, I used to be able to send a dispute and the matter was cleared or adjusted as such. This creditor is now the one that falls behind and fails to update my report as requested. I am told phone call after phone call that they do n't handle the reporting or that they all report the same issues which both in fact are false. If they all reported the same thing I would n't have this issue and each business wouldnt just wipe out XXXX report and not another. I have collections accounts that have dropped off of XXXX and XXXX because they no longer belong to that company, and the company that has it has been only able to post that is in in collections and not each months payment. Experian fails to update my report and wipe off those that are paid, as I was told by that company they would disappear and they have not. I have disputed items and even mailed in items per the disputes request and no update or response was given from experian.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (WA)

I am the victim of identity theft and I have placed a 90 day initial security alert on my credit reporting agency accounts. Experian notified me by mail that it has placed an *Initial Security Alert* on my account and that I am entitled to a free credit report. But when I used tried to order the credit report, using the Report Number Experian sent me I get a response that *We were unable to honor your request. * How do I get my free credit report from Experian?
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MN)

In XX/XX/2011 I had a XXXX / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that XXXX Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them ) on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because XXXX XXXX XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted XXXX / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with Experian. The disputes came back as verified from XXXX / XXXX. This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (TX)

Dear Sir\Madam : My Experian Member # XXXX. 
On XXXX XXXX 2015 i visited Experian website to order my XXXX credit bureaue reports and today ( XXXX XXXX 2015 ) when i checked my credit card statement i was taken by surprise that i was charged additional {$23.00}. So i called Experian and learnt from them that this charge is about membership credit monitoring that i did n't authorised nor i enrolled myself. They mentioned that it is automated enrollment and only gives 7 days to cancel. you can not force consumer for auto enrollment without there consent and it is fraudulent malpractice company like Experian uses to extort money from consumer without there consent and knowledge. 
Foremost, auto enrollment is been forced where many consumer like me are taken by surprised and should be stopped and this kind of hidden game should be stopped immediately and full refund should be given to all consumers who became victims of there scams. Experian should penalised heavily to teach them lesson. 
I hope that CFPB is for consumer and not for company like Experian. 
CFPB are our last hopes that many consumers like me depend on. 
Please kindly look into it and help me to get my refund. 
Doing so is greatly appreciated. 
ThanksRegardsXXXX XXXX
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have disputed XXXX incorrect addresses reporting on my credit with Experian over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, GA
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I am unable to get loan approval because XXXX XXXX XXXX / account number XXXX is showing the verbiage " Account Information Disputed by Consumer ''. I am not disputing this account and demand that the statement be removed from my credit file ASAP.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

XXXX is my current lender. I filed Bankruptcy in XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with XXXX as well as Experian, XXXX and XXXX to no avail. I have attempted three times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither XXXX nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having XXXX be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX, VA XXXX