davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I have disputed the public record and it was deleted due to being wrong and Equifax listed it again with less information before after it was removed. I also have several other account that i disputed errors and they removed them only to add them back without no response in the mail. I called them to get more information on why they did so and they rep told me that they were correct and verified. I asked why didnt i get a letter to let me know the results when they were re added to my report and he stated they dont have to notify anyone once items are reinserted back on your report. Also i inquired about an auto loan that i am not reliable for and i asked if they could send me the contract to verify that i was on the account and he told me to get it from the actual company. I got the contact information from him to contact he company and when i called they informed me that since the account isnt in my name i am only associated with the account holder by residency i could not get paper work on the account sent to me. 
Judgement # XXXX no date, court name or status reported. 
XXXX XXXX # XXXX No response from company reinserted XXXX XXXX # XXXX no response back from credit bureau reinserted XXXX # XXXX the account that i cant get paperwork on because i am not on the account. 
XXXX # XXXX No contact information listed after reinsertion
Consumer complaint received 2015-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax is the only company that repeatedly says I do not know my own information, therefore refuses to allow me to access my account online to be able to dispute inaccurate information. Disputed information with XXXX zero problems. Equifax asks verification questions I am answering correctly, yet they say it " does n't match their records. '' This is done purposely, and is fraud. XXXX of the questions they asked were about a mortgage I 've never owned. Answered None of the Above. XXXX was about the auto loan I just paid off. Answered that correctly. XXXX was about a credit card opened. Answered it correctly. So you see despite giving the correct information, Equifax refuses to allow you to dispute inaccuracies easily in the same fashion as everyone else. PUT THEM OUT OF BUSINESS!
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

I had an account go to collections fall of XX/XX/XXXX. I made arrangements w/ the collection company and paid the account in full. XXXX XXXX the collection company reported to the credit bureaus that the account was paid and it was removed from my credit reports. Now, the account has re-appeared on my credit reports showing the account in collections. I do not have any accounts in collections even though my reports show that I do.
Consumer complaint received 2016-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

Applying for credit to buy a newer auto just this past Friday, the credit union rep on the other side of the desk told me everything was good except for a tax lien showing on my credit report. I immediately went to my county courthouse to investigate this item to find that this tax lien had been released and got XXXX copies of the XXXX pages before saying several thank yous. XXXX copy went back to my credit union rep and came home to scan the pages onto my computer to be attached to this dispute form.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (IL)

I am extremely disturb of the way my loan has being handle by Seterus. I was offer a trial payment for the amount of {$2000.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That is not acceptable because is higher than my regular mortgage payment. Therefore I am not able the make those trial payments. I was paying {$1100.00}. before I started to fall behind. I am in need of assistance for a better workout option. My home now has a sale date for XX/XX/2017. However Seterus never postponed my sale date even though I was approved for a trial. I am more than sure that Seterus is involve in fraudulent and deceptive practices in order for them to foreclose me. I have summited a complete modification packet since XX/XX/2017. Seterus was taking forever to cancel the current trial therefore my packet was not able to start the review. I am tired of the excuses I keep getting by Seterus a need a solution an a detail explanation of why my packet has not been review for a better workout.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OR)

There has been an open XXXX XXXX account on all my credit reports every month since XXXX 2008 that they ( XXXX XXXX XXXX can never seem to find in their system. I want to close it but they are no help at all.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

there on collections on my credit report that are not mine. There are some I have removed by dispute on XXXX bureau but cant remove on the other. Medical system data for XXXX is on equifax but not trnasunion had constant health insurance for over XXXX years XXXX is on equifax not transunion never had dish network live at my address for over XXXX years with directv sterling card once again on equifax buisness credit card never had my own business been at same employer for XXXX years and jefferson capital on equifax is a cell phone that was returned to verizon through ups because of no signature that was required
Consumer complaint received 2016-11-04
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Seterus, Inc. (FL)

Seterus continues to harass me and while I have asked for legal verification of their role as a servicing company to my mortgage and also legal documentation of Fannie Mae 's ownership of the loan, they have provided neither. I 've received hundreds of pages of documents and the only related thing was from XXXX which XXXX does not own the loan and also was n't able to provide the same documentation I 'm asking for now.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OR)

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 60 day mark and confirmation shows they have received my dispute over 30+ days ago, 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 2016-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Please, this is my SECOND complaint. First was Case number : XXXX. There is no way for me to reply on that complaint. 
Equifax opened XXXX *more* " investigations '', and even after I provided proof that they are reporting inaccurate information, they still claim that " We have verified that this public record is reporting correctly. '' It is NOT reporting correctly! The tax lien was *withdrawn*, it should be removed from my credit file. I gave Equifax proof that it was withdrawn, TWICE. They could n't possibly be " verifying '' anything. 

I need help with this. I do n't need you to just forward my complaint to them, I need to know you 're actually going to DO something. I should n't have to sue Equifax in order to get them to do the right thing and report accurately. Please do something, you 're supposed to HELP, please DO something.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

On XXXX XXXX, I received a notification from ( XXXX ) an agency that monitors my credit and alerts me to anyone pulling my credit. I was informed that Equifax placed on my credit that XXXX had pulled my credit for a credit card. I called XXXX and they reported that no such thing happen. XXXX told me to dispute the inquiry on my credit report. I went online to try to dispute, but Equifax would not allow me to dispute online. So I called them today, and the woman told me that they do not allow for inquiries to be disputed. I asked her when did this start, because 6 months ago I had to dispute inquiries and incorrect information on my credit report and after they investigated, the corrected the information. The lady on the phone told me they have never allowed anyone to dispute inquiries. Equifax had extra SS numbers on my credit report, and incorrect credit inquiries on my credit report. I asked to speak to her supervisor, a man got on the phone and told me he was not going to investigate because it was an accurate public inquiry. I told him that I had spoke with XXXX and they even denied pulling my credit. I have noticed a consistent pattern with Equifax, as soon as an inquiry falls off my credit, another one appears, there are there are a total of XXXX unexplained inquiries on my credit report from Equifax that they refuse to remove or investigate, XXXX and XXXX are on the same page, I only have XXXX inquiries, but with Equifax i have XXXX and XXXX are unexplained. 

This was an inquiry on my credit on XXXX/XXXX/XXXX from XXXX, they flat out refused to investigation and told me this would continue on my credit report till XXXX/XXXX/XXXX. I would like this inquiry removed, I did not make this inquiry and XXXX validated the information..
Consumer complaint received 2015-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

I am a widow. Seterus is preventing me to assume the mortgage loan to avoid foreclosure. XXXX helped me file a complaint with CFPB, but CFPB said I had to file the complaint myself, case number : XXXX. I have faxed Seterus the original deed, wedding certificate and death certificate. Seterus keeps telling me to go trhough probate. I 've been informed that under the federal code regulations and XXXX 's guidelines, Seterus is supposed to speak to me and allow me to assume the loan. They are going to take my house and no one seems to care. I have already lost my husband, and my son, I am trying to keep the last thing I still have. Please help me.
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Equifax has yet to delete fraudulent identity theft account of XXXX XXXX and fraudulent Michigan address that goes with it. XXXX noticed all three credit bureaus of the fraud on XX/XX/2016. The other XXXX credit companies have deleted the fraudulent account and XXXX address that goes with it. XXXX show nothing done to fix my credit report under its dispute confirmation numbers, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc (FL)

Was attempting to purchase something using my Paypal account, and was somehow signed up for a Paypal credit card. This was not clearly documented that I was signing up for this as it appeared to me at the time that I was just using my Paypal account linked to XXXX of my credit cards. No qualifying information was asked of myself, such as yearly salary, full social security number, etc.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AZ)

I am sorry to ask for help again, I thought I could just live with it, I ca n't after checking my credit this morning. I attached a few items, the first page of my Equifax for my name reference, the pages XXXX thru XXXX referencing a XXXX account Equifax reported XXXX/XXXX/XXXX. Date of first delinquency XX/XX/XXXX. Lastly, I attached XXXX 's XXXX XXXX report reflecting the same XXXX account reflecting date of last payment XXXX XXXX. Ladies and gentlemen I can assure you no payments were after XX/XX/XXXX due to a job loss. What is more insulting to me and the CFPB is the XXXX response to the CFPB indicating their " actual '' investigation in XX/XX/XXXX was to delete the account. Line XXXX of the CFPB response attached & copy of the XXXX deletion. Equifax , just waits a few days and responds, they do n't actually call anyone. XXXX no longer had the records and could n't tell me either what the exact last date was so I know for a fact Equifax did n't check. The XXXX reporting on Equifax- same thing over 7.5 years since last payment, deleted after XXXX actually did the legwork
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

My wife and I purchased our first house in XX/XX/2016. Shortly after, the value of the XXXX XXXX financed home lost considerable value. We were also hit with XXXX that nearly cost one of our lives. Needless to say, our medical bills, recovery expenses, and loss of employment were financially devastating. We fought through our challenges and upheld our responsibilities of paying our bills. We elected to pay the PMI on the note until we could reach the XXXX % equity threshold based on the original loan amount and the outstanding principal. We contacted SETERUS, Inc. several times to discuss our situation and confirming that we will in fact have PMI removed once we meet the XXXX % threshold. We sent in funds to SETERUS Inc., with a letter directing the sent funds to be applied to principal only. I have XXXX issues : 1 ) SETERUS, Inc. failed to apply all 100 % of my principal reduction payment to the payment ( as directed on the accompanying letter and on the personal check that was deposited. ), rather, SETERUS, Inc. took it upon themselves to apply 38.9935 % of the sent principal reduction payment to monthly payments ( our account is/was not delinquent, therefore the amount was applied to future payments ), and only applying 61.0065 % to the principal without our consent nor approval. Directions with our funds were not followed ; part of the 38.9935 % of the money that was mis-directed was paid to SETERUS, Inc. in interest ... interest on future month 's payments. 2 ) SETERUS, Inc. states that the automatic termination date of the PMI policy is impacted by the step rate adjustments, thus they are unable to provide me with an exact date the PMI policy will automatically be removed from the loan. They state, " Please note, additional principal balance reductions do not change the automatic termination date of the PMI policy. '' Their PMI Cancellation Letter request that I complete a form, and submit a {$350.00} non-refundable check for an appraisal fee of the property. In the fine print, the letter states that they will only look into the possibility of removing the PMI if the {$350.00} is attached and clears. These {$350.00} are non-refundable should our account not meet the eligibility requirements of PMI removal process. Our account qualifies for the HARP refinance option, where an appraisal of our property would be completed free of charge, regardless of our loan-to-value ratio.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

If you will see in the attached files, Equifax still shows my name - " defendant-XXXX ''. Court has corrected the judgement that reflects my name, XXXX XXXX, due to erroneous legal basis. Judge XXXX XXXX of XXXX XXXX XXXX has ordered my name to be deleted from the judgement. We explained this to Equifax and forwarded the documents to them several times but they have not cleared my name. We had our lawyer contact them to fix this error, until now they have not fixed this error.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

XXXX account was previously deleted from my consumer reports. XXXX was reporting unsubstantiated information and was therefore removed. Upon checking my credit. I noticed that the credit reporting agencies also re-inserted the XXXX account. The fair credit act says that the reporting agency must notify my in writing 5 days before re-inserting the items on my credit. FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( CONTINUED ) I have not received any information from the reporting agency as to the steps taken to verify the validity of the account.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

EQUIFAX IS NOT REPORTING CORRECT INFORMATION I HAD A TAX LIEN THAT WAS RELEASED IN 2014 EQUIFAX KEEPS SHOWING A TAX LIEN AND WONT UPDATE THE FACT THAT THIS LIEN WAS PAID AND RELEASED, THEY ARE ALSO CONSTANTLY REMOVING REPLACING THE SAME REMOVED ACCOUNT A FEW DAYS LATER EXAMPLE : XXXX THEY HAVE ADDED ACCOUNTS I HAVE NO KNOWLEDGE OF LIKE PROCOLLECT. PLEASE INVESTIGATE AND HAVE THIS AGENCY STOP ABUSING THEIR POWER BY REFUSING TO CORRECT INFORMATION THEY KNOW IS FACTUAL. THEY ARE INTENTIONALLY AFFECT MY CREDIT REPORT AND CREDIT SCORE. THIS IS AN OUTAGE THAT AMERICANS CA N'T GET AGENCIES LIKE THIS TO OBEY THE LAW.
Consumer complaint received 2015-11-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRS Financial LLC (NJ)

I owed XXXX medical co-payments that I was told were in collection with Capital Collection Service. ( REF # XXXX ) XXXX in the amount of {$15.00} and the other {$100.00}. I originally spoke with XXXX and asked for some type of information she could mail me regarding the payments for these accounts as the XXXX co-pay for {$100.00} was being sent to wrong address ( which she corrected that day ) I told her I was not working at the time and she began interrogating me and practically " begging '' for a checking account. I said I do not have XXXX and could make small weekly payments and it was mutually agreed upon. On XXXX XXXX I attempted to pay online via their website and an error message popped up that the minimum payment allowed was {$20.00}. BUT my debt is only {$15.00}! So I called them and spoke wth XXXX and she told me the payment must be greater than {$20.00}. I said I will have to save to make the next payment. On XXXX XXXX I called them back to make the payment and spoke with another lady who told me XXXX is new and does n't know what she is saying and the payment has to be {$50.00} so I wrapped up the call and I went on their website and paid {$35.00} with a prepaid card. The week of XXXX XXXX in preparation for my next payment I called them up and spoke with a man who said the payment has to be {$50.00} because of their credit card fees. I said that is not my issue. On XXXX XXXX I go online to make a payment and I get the message " Transaction Failed : XXXX - Declined Do Not Honor Card ( XXXX ). Contact customer service at XXXX for assistance. '' Capital Collection Service manually blocked me from paying online and are forcing me to call them to make {$50.00} payments. There are certain regulations that are very important, and violations of them are worthy of reporting to the issuer or government : A merchant can not set a minimum charge for a purchase that is more than {$10.00}. XXXX regulations prohibit minimum charge amounts. I have screenshots of necessary details stated above and I am willing to take this to court as it violates my XXXX card rights and I am contacting XXXX consumer relations. My payments should be accepted regardless of the amount as I am lawfully paying down my debt. I should not be subjected to unlawful minimums because of their credit card processing fees, that is a cost of business and none of my business.
Consumer complaint received 2016-09-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (TN)

On XXXX XXXX of XXXX, according to Discover, I took out a education loan. In XXXX of XXXX after becoming delinquent on my account I paid Discover off. Discover is currently reporting XXXX education loans originating on the same day. Both loans are being reported as negative accounts on my credit report. I have informed Discover that they are duplicate accounts, but Discover refuses to remove the information from my credit report.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (AZ)

I have had an automatic payment set up for the XXXX of every month since 2010. I have paid over the required payment every month. On the XXXX payment I changed the amount to the minimum payment due for financial reasons. Discover is telling me because I changed the amount of the payment it changed my due date the XXXX of the month. I was never notified of this change. I have always known that after the XXXX of the month all my bills are paid and what is left is mine to survive on for the month. Discover did not try to take the payment until the XXXX of the month. They continued to try on the XXXX and the XXXX. Since I get paid on the XXXX of the month there were no funds in the account. They caused XXXX overdraft charges plus a {$.00} foreign transaction fee costing me {$75.00}. They refuse to refund this amount to me due to their uncharacteristic change of due dates on my bill. I could not access my account due to my computer being down so did not realize this had happened until today.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (GA)

I went XXXX XXXX military XX/XX/2013. I had an outstanding balance of over {$1000.00} on my discover card. I left my finances in control of my financial broker as I was unable to control my accounts. After I left, my discover account had a fraud alert and was locked out. My broker was unable to regain access to pay the bill off the following month. When I regained control of the account I paid the debt in full. However, I was charged with a 30 day delinquency on all my credit reports. I have contacted Discover with this information on a yearly basis and even provided my military XXXX. Although this is considered a valid charge the negative impact on my credit is damaging my job field in the military as I have a XXXX in jeopardy. 7 years is a long time to punish someone with a good history of bill paying considering I had no control over the account and was on XXXX XXXX at the time. I would like the 30 day delinquency removed from the credit reporting agencies.
Consumer complaint received 2016-08-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (AZ)

I had a sixty day late notice from Discover student loans on my credit history. I have tried to understand how this happened and have come to believe I have been the victim of entrapment by them. I only want the late notice removed from my account. 
I have already complained and their response was dismissive and had questionable statements. 
I will attach a document detailing this complaint and my interactions with Discover student loans.