davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - 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 2016-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

This is my 4th time writing Equifax to block these accounts on my credit report. I did not open these accounts, apply for them, obtain them, maintain them or make any payments whatsoever and they have failed to # 1 prove they belong to me # 2 provide any documentation whatsoever # 3 provide a document with my signature on it that proves that I ever agreed to pay it # 4 block this information and # 5 do any sort of investigation into the matter. 

I do n't care that these accounts are positive - they do NOT belong to me and someone obtained my information and opened these accounts! These must be blocked from my credit report! Congress states that the credit bureaus must go beyond the original source of information once I notify them that their investigation results are incorrect and the burden lies on THEM and NOT me! 

These accounts do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were NOT made by me : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-08
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. (NY)

On XX/XX/2023 I sent a letter requesting to have all of my personal information updated on my consumer report. Today is XX/XX/XXXX, and only one thing in the request was complete, still leaving inaccurate information on my report.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NC)

Open letter to LoanCare CEO XXXX XXXX, Senior Vice President, Loan Administration XXXX, Executive Vice President and Chief Operating Officer XXXX, Senior Vice President, Client Relations XXXX, Senior Vice President of Loan Conversions & Escrow Department I bought a house two years ago. My loan was sold twice. The current loan servicer is LoanCare LLC. The county in which I live sent me a property tax bill in XX/XX/2016 which is normally paid by the mortgage servicer who manages the escrow account. XXXX went by without a payment by LoanCare LLC to the county for taxes. I received a follow-up letter from the county that said I ws in default and that if I did not pay immediately I would incur penalties and interest. Therefore, I immediately paid the taxes due directly to the County. The taxes are now paid in full by my own payment. Since then, LoanCare claims to have paid my taxes out of my escrow but the County Tax Administration states that they have only received one payment, and that payment was the payment I made from my checking account. I have receipt from County proving I paid these taxes and I have bank statement proving that payment came from my own personal funds from my own checking account. Yet LoanCare charged my escrow account for the taxes which they did not pay. I 've called LoanCare a dozen times. Each time I spend ten minutes navigating the automated IVR system only to be hung up on by the IVR system. I 've actually reached a human twice. The first time, the human promised to credit my escrow account for the duplicate payment. The second time the human said their systems were down and she was unable to help me. So far, no credit has been issued. I request an immediate credit to my escrow account. 

Please contact me immediately.
Consumer complaint received 2017-03-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

Since we stopped receiving e-statments in XXXX of 2015, we have reached out to XXXXLoan Care many times via phone and via their website to update our contact information ( phone, email, mailing address ), yet our updates are continuously not applied, resulting in us not receiving important information about our payments being increased which then lead to two months of our automatic payments through our bank being insufficient, causing XXXX reports of 30 day 's past due being put on our credit report. 

XXXXLoan Care never contacted us via phone or email to inquire why mail from the property was being returned, they never updated our contact information despite our multiple phone conversations and personal information updates on the web page. Had XXXX updated our information we would have been made aware of the payment change and the " 30 days past due '' never would have occurred. While we were " delinquent in paying the updated amount '' due to an escrow analysis, XXXX continued inability to properly update and maintain our correct contact information prevented us from both knowing about and being able to address the payment increase. When we called in to inquire on these negative credit reportings, we not only made the proper payments, but again changed our contact information, yet we still have received no mail or emails about this mortgage. 

Most currently, when contacting XXXX about our loan, they are unable to find it using either the loan number, our social security numbers, or our names and calls to Loan Care go unanswered.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

This account below was deleted from credit report after being disputed then added back on. Attached on page XXXX of pervious investigations. 
XXXX XXXX XXXX, XXXX Closed XXXX Missed Payments {$3000.00} This account below is paid in full. 

XXXX XXXX XXXX, XXXX Open - Current {$38000.00}
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I HAVE DISPUTED THIS ISSUE WITH EQUIFAX BEFORE AND THEY STILL LIST THIS INVALID ACCOUNT ON MY CREDIT REPORT. I JUST WANT THEM TO EITHER SHOW ME THE DOCUMENTS THEY SAY THEY USED TO VERIFY THIS INFORMATION OR FOLLOW THE LAW PER FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THIS IMMEDIATELY.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I discovered Creditor, XXXX XXXX, Equifax, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, Equifax, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account XXXX XXXX XXXX Item Status : Was removed XX/XX/XXXX. Item removed on multiple dates but latest credit file showing item re-inserted after FCRA period of expiration XX/XX/XXXX. 

XXXX XXXX XXXX Item Status : Was removed on XX/XX/XXXX. Removed and re-inserted on multiple dates. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
Equifax XXXX XXXX Item Status : Item latest removal was XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I disputed that XXXX was a fraudulent account due to the fact, due the fact of me filing a police report stating I was a victim of identity thief. This account was removed from my credit once but since then it 's back on my credit file and reporting negative.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

Equifax continues to report a negative XXXX account XXXX on my credit report even though I was just an authorized user and had no payment responsibility for the account. I disputed this account with the XXXX nationally based credit reporting agencies and the account was correctly removed by XXXX and XXXX, but Equifax continues to report the account even though their records show me as an authorized user.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

After recently pulling my own credit report, I found that XXXX XXXX Bank is showing I opened a credit card of {$250.00} with them in XXXX XXXX and charged off in XXXX XXXX. This is not true. It 's showing that I have a balance of {$380.00}. I want proof of this. If I did ever indeed have an account with them, I want documentation of the dates opened and charged off because I did not open or charge off any accounts during that time period.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IA)

Equifax failed to report correctly and after multiple disputes and investigations, they have always come back to the same conclusion without investigating and are slow to even help me with my issue over the phone/writing and now this complaint. My last complaint i made to them, I 've told my side of the story, it came back twice that debt was mine from Equifax and they also sent me a free credit report but was still reporting. Finally the Original Creditor took it off my report because it was FALSE, but as an example, Equifax was no help prior to that. 

My issue this time is the same. They are reporting that i have an Open account with XXXX. I DO NOT, and this has been dragging my credit scores down for over 5 years now. They need to take me seriously and take this off of my report. I have personally found every piece of evidence that i do not have a loan open with santander. 


I have reported my issue with XXXX ( XXXX ), i have written a letter to contact my XXXX representative and Senator, and I 'm now writing to CFPB for more help. Both XXXX and XXXX have helped me very quickly because it 's obvious. Equifax will need to fix my issue immediately. I have finally found every piece of evidence to prove to CFPB and if i get denied again, ill will take further action. 

I have attached my equifax report on XXXX. It shows its an open loan and is still paying. This is account is PAID AND CLOSED. this account was joint and i was not even sent bills nor paperwork. I have never lived at the las vegas address that is listed from XXXX. I did not sign anything for XXXX. Name says " PRIMARY = XXXX ''. Equifax have also failed to change my info. My middle name is spelled wrong. This goes to show, XXXX and Equifax did not make a good enough job when i was added as a co applicant or going through paper works. 

i have attached a bill that says last payment which is XXXX balance on the loan in 2012 but how is Equifax reporting that its open and still being paid? Equifax has been ruining my life and credit score over this and it needs to be fixed. Many Fair Trade Acts are being broken here and i time in the next couple of months to go as far as i need with this.
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I contacted Equifax regarding an outdated listing on my credit report. I advised them that " The listing for " XXXX '' is outdated. Please note the following The " Date of XXXX Delinquency '' is XX/XX/XXXX The account " Date Closed '' is XXXX XX/XX/XXXXEither date is beyond the seven year provision that adverse information is listed in credit files. These listed dates reflects the timeline that you should apply to determine when this account should have been deleted from my credit file. Again this merchant listing should have been deleted from my file during XX/XX/XXXX ''. 

Equifax did a slipshod investigation and refreshed the dates on the account and deemed it an investigation. The information was not removed as required by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : XXXX {$1500.00} CollectionsThe collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

Credit bureau is not blocking the information on my credit report that was reported fraud. Police reports and FTC affidavits have been submitted as proof. This is in violation of the Fair Credit Reporting Act section 605B. When I contact the fraud department with Equifax , their answer was " Write our legal team ''
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

Equifax currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.
Consumer complaint received 2016-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (TX)

I am receiving repeated calls, voice messages, from " United Recovery Systems '' with the representative using the name " XXXX XXXX '' Calls come from XXXX and he wants me to return the call @ XXXX. 

I owe no one anything, have an XXXX FICO, my wife has an XXXX FICO ( Just checked on it ), and I want the calls to stop. I think he is just phishing. I think they are just robo calling and there is no underlying debt whatsoever. I am concerned that if I call back and attempt to talk to them I will reveal my real name and other info he currently does n't have -- nor should he. 

A quick XXXX Search of this company turns up many reports of abusive practices, including phishing. 

I wo n't return the call to him as I am quite certain he is engaged in some sort of shady ( Illegal ) practice. 

I just want the calls to stop.
Consumer complaint received 2015-08-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (SC)

Our account is in foreclosure with BB & T bank, this is a FHA loan and they are the servicer, we have had nothing but headaches trying to work with this company to try and resolve our account, from them offering unaffordable modifications to them telling us we have a credit on the account, when in fact we do not, this is the XXXX time they said we had a credit and in reality, we did not, which brings me to this complaint ... ... ... .... 
On XXXX XXXX, 2015 we received a re-instatement letter from their law firm the XXXX XXXX XXXX, telling us if we pay {$1700.00} by XXXX XXXX, 2015 our loan would be re-instatedwith me being skeptical, because previously, they told us we had {$12000.00} in recoverable fees that should have been a credit, well after doing further research, the bank admitted they were wrong and we never had a credit of {$12000.00}, we had taking money out of our XXXX to bring the account current, only to find out after the fact, BB & T Rep pre foreclosure rep gave us the wrong information, moving on to the latest ... ... ... ... .. 
On Monday XXXX XXXX, 2015 I called the attorney office, re-instatement department, spoke to XXXX, informed him of the letter we received dated XXXX XXXX, 2015, I asked him is this quote correct? he told me yes, this is the quote that was sent over from BB & T bank, I then mentioned to him, we had issues with this bank, telling us we had a credit, when we did not, he told me pay the amount on the letter and your account would be reinstated, I then told him, we could get the funds from our XXXX to bring the account current, he told me we could use the letter the law firm sent us, I asked XXXX could you please give me the credited fees amount and what they are, he replied {$21000.00} they are corporate advances which are credits, they just use another term thanked him call endedI then called BB & T spoke to foreclosure department XXXX, told her of the the letter we received from your attorneys office, asked for the account number I gave it to her, she then turned around and ONCE AGAIN told me that figure is not correct, she will call the attorney office, I then ended the call and here we are once again, this is the XXXX time this bank gave us false information, just another example of the POOR servicing, they have done regarding our loan
Consumer complaint received 2017-03-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Flagstar Bank, National Association (FL)

I made a mobile check depost on XX/XX/2017 at approx. XXXX in the amount of {$150.00}. The following day I received an email from my bank that stated " The funds will be held for an extended amount of time because you did not write NYCB Mobil Depost below the signature line. '' Unfortunately, I made a mistake and wrote on the back of the check " NYCB App Deposit '' instead of what the bank required. The email did NOT state a specific day that the funds would be available and the funds are not currently available as of now XX/XX/2017 @ XXXX. Tomorrow will be the 6th day that the check has been deposit and has not been cleared for me to receive my money. I have never deposited a check into this bank at any time and not been given at least {$100.00} dollars in approximately 2 days. I feel like this bank is holding my money for a ransom and it is not right and not good business. 

My checking account number is XXXX and the money was deposited into New York Community bank.
Consumer complaint received 2016-09-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mnet Financial Inc (TX)

Back in XXXX/XXXX/2015 I had XXXX and I was take by my Doctor to a Private Hospital without my consent and the bill came as shock. My Insurance has paid {$8000.00} just for Hospital Bill not include Doctor Bills. but now I just pull my Credit Report and Its show 2 separate bills for the same service from collection Agency represent Hospital, But Early I did receive only one bill from That Hospital. And now I have been contact that collection Agency and ask Why One bill was reported as two bill on my Credit report but I do n't get any respond All they tell me is that They will contact The hospital for a father verification. but I never heard from them. My believe I was over Charge by the Hospital in the First Place. If in the Pass my wife XXXX Did n't cost that Much? Why my XXXX XXXX XXXX up Cost Almost XXXX Dollars. Warn Others Stay away from Private Hospital they will Bankrupt Society.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TX)

Regarding this creditor : Synchrony Bank/Discount Tire  XXXX   XXXX   XXXX   XXXX , FL  XXXX  Account  XXXX  On    XXXX   XXXX   XXXX      I received information that an account in my name, using my correct SSN and DOB, was fraudulently opened with this bank.   On   XXXX   XXXX   XXXX   I sent via certified mail (   XXXX  tracking   XXXX  ) a certified letter under the Fair Credit Reporting Ac t Section 609 ( e ) r equesting all records relating to the fraudulent transactions and account. Under that statute, they have 30 days to comply.   As of    XXXX   XXXX   XXXX      I have not received any correspondence regarding this request. I am determined to vigorously investigate who made this fraudulent request, and the bank 's negligence in this matter is endangering my efforts.   Synchrony Bank is apparently mis-informed that compliance with this statute is optional ; they should be politely disabused of this misimpression.