davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MI)

I can not reach a live customer service rep. when I call Seterus at XXXX so I am asking for your help. My mortgage servicer, Seterus, has been collecting my ARM Loan for many years. The interest rate typically changes every XXXX or XXXX according to the LIBOR rate and Seterus, notifies me in writing every XXXX if there is a change in my XXXX and subsequent payment amounts. Going back, my monthly payment as of XXXX XXXX was {$580.00}. My monthly payment temporarily changed earlier than the normal XXXX of each year to {$590.00} for XXXX, XXXX & XXXX XXXX. No explanation was given for the higher payments in XXXX, XXXX & XXXX. That had never happened before in the 12 years I have been paying my mortgage. Then as expected in XXXX XXXX it changed to {$580.00} according to the LIBOR Rate at that time. My monthly payment has stayed {$580.00} up until the present time as I have not received any notice from Seterus that my payment went up or down in XXXX XXXX. I assumed the LIBOR rates had not changed so my payment would logically stay the same. The last payment I sent early to Seterus of {$580.00} was for XXXX XXXX. The automated voicemail system at Seterus confirms they received the XXXX XXXX payment of {$580.00} on XXXX XXXX, XXXX. Since my Chapter XXXX Bankruptcy was discharged a few years ago, Seterus never sends me monthly statements any longer. But now I have received an Account Statement letter from Seterus saying I owe them {$1200.00} by XXXX XXXX, XXXX. The statement says my Monthly payment is now {$600.00} and under a heading titled Activity Since Last Statement, they are charging me a late fee as of XXXX XXXX, XXXX of {$21.00} implying I did not make the XXXX XXXX payment. First of all, I do n't get statements from Seterus and secondly, I am not late on my XXXX XXXX mortgage payment. They received the {$580.00} earlier on XXXX/XXXX/XXXX. Plus they list {$87.00} as Other Charges in the total of {$1200.00} they say I owe them. It is not my intention not to pay my mortgage. But if I send them {$1200.00} then Seterus is collecting twice for XXXX XXXX as they already accepted {$580.00} on XXXX/XXXX/XXXX for my XXXX XXXX payment. I can see them saying I owe them XXXX if that is what my monthly payment went up to back in XXXX XXXX. I just wish they had notified me of the change. So I am going to send them {$600.00} and a letter of explanation of why I believe their Account Statement Billing is in error. But I also think I need your help as a go between. Thank you very much.
Consumer complaint received 2016-04-28
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK (WI)

On XXXX/XXXX/2016 I reached out to the Discover personal loan origination department with questions on whether it made sense to refinance my existing Discover personal loan or not. After a short conversation we came to the conclusion that it did in fact make sense to refinance the loan as the interest rate could be lower as well as we would shorten the term. 
After obtaining my permission to pull my credit and getting my income information the representative informed me that we would not be able to go forward with the loan because Discover does not lend more than {$31000.00} to any one individual. I would have been alright with this answer if they had informed up front that they do not loan out more than {$31000.00} for any one person but they did not. Also, the loan application was for {$17000.00}, the exact amount of the existing loan. The term refinance does not mean doubling the amount of what you trying to obtain, it means you are financing something again at a lower rate or different term. 
At this point I requested a manager. As soon as the manager came on the line I could tell he was not taking the situation as serious as he should have. He reaffirmed what the representative had stated and said that he would not be able to remove the credit inquiry. The only thing that I was upset about was the credit inquiry, I understand that lenders have limits on what they are willing to lend to any one person. In this circumstance the loan application should have never gotten to the point where credit was pulled. All of their employees and the system they use should recognize what application limitations are so that they do not negatively affect their customer 's credit scores with unnecessary credit inquiries. 
I also called back a few more times to try and escalate the situation but this came with no positive results. Every manager that I spoke with did not seem to understand the severity of unnecessarily pulling a consumers credit for loans that they disclose as not even possible.
Consumer complaint received 2015-11-29
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (IN)

My husband bought me a {$25.00} netSpend gift card for my birthday in XXXX, which I had been saving until I found the right gift. When I tried to use it tonight, they refused to honor it because " it had n't been activated in time '', even though the front of the card says " good thru XXXX ''.
Consumer complaint received 2023-02-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, XXXX and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-11-24
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GREAT LAKES (MN)

Unfortunately I been having issues with some type of debt collecting agency that I have no idea how I got into. It 's a fee every month they send through a email but I have NEVER borrowed money from whoever this is. So I 'm very confused and the fee is just going up every month, I do n't know what to do.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

Someone stole my personal information and identity. I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

This account below should be deleted from credit report. The first one is a public record that has been deleted by both XXXX and XXXX. The second account is not mines. 

1. 
Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems 2. XXXX Other XX/XX/2011 Closed 1 Missed Payment {$1400.00}
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MA)

I am addressing your agency because there is Public Record Information on my personal credit profile that I am challenging as inaccurate in its filing. The case was a voluntary dismissal. " Dismissed '' means that it is adjudicated by the law and therefore not recognized as a completed or satisfied filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. By what right does the credit reporting agencies hold my identity and credit under " Consumer Lock '' for 10 years when it does n't exist? I approached the Bankruptcy Court and they confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC. (GA)

This Bureau chooses to report incorrect information as well as fails to send reports in a timely manner. This Bureau will even report information differently to you than it does with the creditor you applied with. Sadly you file a Dispute and it does nothing more than update inaccurate information with Court documents. Rather than remove it, Equifax takes the stance with the inaccurate reporter. Example XXXX XXXX XXXX XXXX of XXXX. This name dispute causes this bureau to not remove even with the Court documents. Please help me we are homeless and want to buy a home we are held hostage by this bureau.
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

As a part of an agreed contractual agreement, the account was paid and specifically negotiated with the company, that the negative item would be permanently deleted and permanently removed from all reports ( XXXX, Equifax, XXXX. ) As of this date, although the status has been updated, the item remains, which was NOT the agreement and is still negatively impacting my reports.
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have initiated XXXX total disputes with Equifax over the last year to contest a debt that I never signed for and want removed from my credit report. XXXX XXXX is the debt collector that I contacted to get this handled. They responded with a " lease agreement '' that has no signature anywhere on it. I 've sent XXXX XXXX XXXX letters referencing violations under the FDCPA and FCRA. 

After further investigation, I went through the FEDERAL MANDATES and noticed several violations against Equifax 1. Equifax did not complete a proper investigation with the collection agency. 
2. I requested Procedure on how Equifax verified the account. They never responded [ 15 U.S.C 168I ] 3. Equifax has taken more then 50 days to respond on every letter I sent. 

Attached is the evidence I have compiled against Equifax , I have exhausted all efforts to get this corrected on my own to no avail. 

Please help me take action agianst this incompetent company, It 's unbelievable that the government still allow Equifax to do business in America. Thank you CFPB for being a voice for the consumer. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I have disputed my payment history being reported incorrectly on all XXXX of my credit files. I have never missed a payment due to the fact that all of my loans have been in deferment and/or forbearance throughout the life of loans. My credit report indicates serious delinquency on my payment history ; however, the XXXX reports the correct information. Which indicates that I have never defaulted on any of my loans and/or missed payments. They are ruining my credit score. It is bad enough that they report each loan individually on your credit so it appears that you have multiple installment loans open with high balances. ( XXXX University )
Consumer complaint received 2017-02-28
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TN)

I got called from the same number 14 times in a 30 minutes period on XX/XX/2017. I got called 14 times total on XX/XX/2017 and 6 times on and 7 times on XX/XX/2017. This shows that the calls have gotten progressively aggressive over the last 4 days. I informed the lady on the phone that I was filing a complaint with the cfpb and she threatened to note my file that I am unwilling to pay my debt. I informed her I have no money to pay my debt and as soon as I get my income tax return I will pay my debt back up like I do every year. She asked if I had any money to pay and I told her I have zero money for this debt. Then I told her I needed information from her so I can file my complaint and she said your file has been noted have a good day and hung up. Talked to XXXX XXXX XXXX XXXX the supervisor I informed her my fist contact did not give me her name and employee number ( XXXX ). XXXX provided the employee 's id number. When Informed XXXX of my intentions to file a complaint she informed me the call center is automated. I told XXXX I have received 14 calls in 30 minutes and XXXX told me they are allowed to call up to 8 times a day. That 14 calls must be an issue with the automatic calling system. I asked why the calls have gotten progressively aggressive and she said she did n't know. She asked me when I was supposed to get my income tax so I could catch it up like a douche every year and I told her it was suppose to be deposited in my account yesterday XX/XX/2017. I informed her I will pay it up in full when I get my return back like I always do. After finding out that this is the last day of the month XXXX offered suggestions of why I got called so many times in a short period of time. XXXX suggestion was they only work until XXXX on the last day of the month and the other was that my account will be transfered to a new department and will have a personal account manager starting tomorrow. I thanked XXXX for the information. I was not aware they could call up to 8 times a day and if I was receiving more than 8 calls then many more XXXX probably receiving more than 8 also.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CO)

I have attempted to obtain my credit report from Experian for a declined credit opportunity due to information presented on my Experian credit report as well I was attempting to get my free annual from Experian. Both attempts were denied. I then went further to get my report by paying for their services and they declined again. I am being unlawfully denied my credit report and their customer service is no help when contacted about the matter.
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

Experian has allowed XXXX XXXX and others third party companies to pulled my credit file illegal purposes. I did not authorized anyone to pulled my credit profile. XXXX XXXX has pulled and damaged my credit profile on XXXX separate transactions. And has caused a drop in my credit scored. I contacted The XXXX XXXX and Experian and both have fail to do any thing or removed the items. 
Experian has been sued for credit reporting violations. Crooked collection agencies are being allowed to access your personal information and place unjustified black marks on your credit reports. Experian fails to take adequate measure to prevent this. Meanwhile, your personal information ( everything an identity thief needs to know ) is sold indiscriminately from company to company.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (GA)

My credit score has gone down XXXX points since XX/XX/2017 to date however the credit monitoring service and the Experian, XXXX, XXXX credit bureaus are unable to explain why or what companies made the report to cause the drop. I have attached copies of my reports and request a full inquiry providing explanations or restoration of points.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WV)

I was laid off from my job and then found a new one. Paid all my debt off but it still shows the debt as being there. 

Even though I have paid all my debts I can not get a car loan. Seems absurd that someone that has always done well has a drawback and can never recover because of this system. If this system is what is going to be used to determine my future then it should be correct.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Experian is reporting a negative payment history in XXXX XXXX for a XXXX account that was settled in XXXX XXXX ; although the balance is correctly being reporting as XXXX and the payment status for the account is correctly reporting as " Settled, '' the erroneous reporting of a recent negative payment history has a severe impact on my credit. Since the account was legally settled in XXXX XXXX and XXXX legally accepted the settlement as payment in full, the reporting of negative payment history in XXXX XXXX falsely represents the true status of the account ; XXXX and XXXX are correctly reporting an " OK '' payment status for this same time period. Because XXXX and XXXX are reporting this correctly, I have to assume that the erroneous reporting is the fault of Experian and not XXXX.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have a charge off account with University XXXX at XXXX that has been paid in full. I have alerted all XXXX major credit agencies to inform them with accurate information. Provided the contact information of the original creditor which is XXXX XXXX XXXX ( XXXX ) whom works at the university and is in charge of the account ; so they can confirm/verify that the account is paid in which agreement was made to have the account deleted from all reports. Each credit agency failed to follow through with my investigation even after I gave them the contact information. I keep getting the same results from them stating '' consumer disagrees, account is accurate ''. That is wrong and incorrect. If they follow through like they 're supposed to then they will find out that the account is indeed paid off and that the original creditor agreed to delete this from my credit reports.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

i have disputed an item on experian for over a year, experian keeps on responding verified, updated etc. in fact they are reporting an item named XXXX XXXX which they report as transferred and sold to a comply called XXXX XXXX XXXX which i was unable to locate and is not registered with any agency as a valid legal collection or debt buyer, 1 ) XXXX never verified this account, to Experian, Experian is using old and outdated info on this item. 
2 ) i also sent a request to XXXX where they failed to validate this item. 
3 ) Experian refused to re-investigate the item which is a violation
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

Despite my several attempts to have Equifax update and correct my credit report, there are several accounts that remain incorrect such as : XXXX # XXXX XXXX XXXX BANK XXXX XXXX XXXX has been paid in full and remains paid off yet is reported as owing a balance of {$360.00}. 
All XXXX XXXX accounts are incorrect. 

The following inquiries were made unknown to me and without my consent : XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Credit Cards FCTUALDATA Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have a tax lien on Equifax. I am not disputing that I owe taxes, I pay a monthly sum to IRS every month. What I have been trying to get cleared up with Equifax is that they are reporting incorrectly. I sent the first dispute out on XXXX XXXX, XXXX nd since then have received 3 letters from Equifax stating they have validated that the tax lien is reported correctly. I have asked for proof of validation and they state they validate with the court. I know for a fact that they are reporting incorrectly and also that the IRS does not validate anything, including the $ amount of the tax lien. Equifax is refusing to remove the tax lien from my credit report and I feel that they are taking advantage of consumers and are getting away with incorrect reporting. The lien was filed in XX/XX/XXXX and the amount has changed since that time and is not correct at all. Equifax s not following the Fair Consumer Reporting act that states the following : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. '' What I clearly have is an unverifiable tax lien thats reported inaccurately and is really hurting my life.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (NJ)

Discover placed an Authorize Hard Inquiry on my XXXX report, I 've contacted them over and over. They sent me a letter saying it was there mistake and that they will remove it, but still have not done it after months and months if not over a year of me asking them and XXXX