davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (PA)

Upon calling the collection agency Equifax stated I have a debt with, the agency informed me that they have no record of me having an account with them, which is correct because I can not recall any debts with XXXX. This acct was already in dispute for more than 120 days and was still showed reinvestigation in progress. I notified Equifax and they stated they could only remove the comments and it had to be redisputed ( see attachment file dispute1a ) conf # XXXX. After I was informed the comments attached to this acct were deleted I went to Equifax.com and filed a dispute with the confirmation # XXXX. When I called the same day to confirm that the dispute was submitted, I advised them I may have picked the wrong reason for dispute in error. Another confirmation was given to me # XXXX to correct this. Upon reviewing the report during that time I noticed that they had duplicated the exact same acct onto my report with the same exact acct #, bal, debtor, etc. I waited 30 days and received documents stating that these acct 's were delete ( see attachments ) and investigations were closed on XX/XX/2017. When I reviewed the Equifax report it still showed the exact same acct that was to be deleted with the duplicate acct gone. I called Equifax and asked why the acct was still showing on my report. They stated that they could not remove it and to call the collection agency again. I advised the agency will not help me and that they have no record of me having a debt with them and referred me back to equifax. I also advised them that I received documents from their own system stating the acct 's were to be deleted and they still did not delete them. They stated another dispute must be filed and they went ahead and filed an additional dispute with confirmation # XXXX. This is in strict violation of FCRA one, because it is taking more than 30 days, and two, they 've already told me they investigated it and it was to be deleted. I am in the process of trying to obtain a loan and they are not cooperating whatsoever. This acct needs to be deleted. Please PLEASE help me.
Consumer complaint received 2016-05-07
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

Paid my XXXX bill online on XXXX XXXX after XXXX via electronic transfer from my checking account. XXXX website notified me it would take one " business day '' to process, i.e. XXXX XXXX ... XXXX requires payment due by Sunday XXXX XXXX ... of course XXXX is closed on Saturday and Sunday and its normal business hours are Monday to Friday but still somehow they want payment on XXXX XXXX ... a Sunday when their doors are closed, lights out and nobody available ... So that is one half of the problem. I could not pay my payment on a Sunday if my life depended on it, because there is no way to do it ... 
The second part of the problem is that bank super computers magically only processing bank transactions on " business days '' Monday to Friday ... and typically only to XXXX in the evening. So I am questioning the logic of this old school banking protocol of only processing checking account transactions during these very restrictive hours and only " business days '' ... I think as a society we are past this and almost all transactions are being done by super computers at these big banks ... They have multiple layers of redundancy and backup systems and there is really no reason banks can not perform checking account transactions 24/7 and every day of the week ... The reason is simple banks want to slow, postpone and make it difficult for folks to pay bills on time or manipulate timing of transactions because utility companies and banks get tremendous benefit from charging late fees and lack of fund fees based on manipulating the timing of transactions ... If they punch a few buttons on those super computers to provide mor prompt and timely checking account transactions to occur 24/7 they would have tremendeous losses in revenues due to all the late fees and lack of funds fees they steal from folks by manipulating the clock and using the " business day '' requirement that does not actually exist in an era of super computers that process transactions 24/7 ... It 's an outdated protocol from a time when bankers and tellers had to be present to assure transactions are processed ... But it 's all run by super computers now and it is an unnessecary protocol that is deteremental to consumers and the American economy ... checking account transactions for too big to fail banks should be done seven days a week as supercomputers rarely need the weekends off like humans and especially with all the redundancy and backup systems ... There is no good reason, explanation or excuse why these " to big to fail '' banks can not do checking account transactions 24/7 to the benefit of their customers/consumers ... Change is due!?
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I paid my credit card bill over the phone in XXXX 2010 with XXXX. The money was never taken out of my checking account and I was never informed either by mail or email or phone that the payment did not go through. In addition, they had my incorrect phone number ( Current number XXXX ) and my incorrect mailing address which was updated the last few days after I found out they reported my payment late. I have never missed a payment in over XXXX years and this is an error on their part. I am asking you to request to them to remove this late payment from the XXXX major credit reporting agencies.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

Disputed inquiries with XXXX bureaus. I did not receive credit from companiesin myinquiry list. XXXX inquiries are 3 days apaart, XXXX has XXXX on XXXX of my reports. Tried disputing with XXXX, equifax and XXXX as well as the companies
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OK)

I have tried to get Equifax to completely remove XXXX XXXX XXXX from my credit report due to how XXXX went about taking my truck with many phone conversations with Equifax about it. I also called XXXX credit numerous times for them to remove it as well. They have refused to over many years. Because of them I have not been able to get any credit. I also have disputed time and time again to have my inquiries for credit removed due to being turned down and they refuse to do that as well. I need all my inquiries removed off of my reports. Under disputes with these credit Agencies, they have removed the remove account option in order to do so and will not listen to comments or requests to do so in their add more information box with it. They also have never sent me paperwork on their investigations as well and the process they went through of documentation to make sure they did their job. The have not followed FCRA guidelines for Due process.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (ME)

Please see the attachment. It is as clear as day how Equifax is not verifying any information when checking on disputes. The quick story is that I am a victim of ID theft. I had XXXX items blocked on my credit report in XX/XX/XXXX and XX/XX/XXXX. Last month Equifax added these items back on. I immediately sent them the police report and ID theft report and even updated it. They ignored it and said they will NOT block them even with all the proper paperwork. This is just part XXXX. They then said they investigated each XXXX and verified they belonged to me. They then put Collection Account and Skip on each XXXX of them. So, instead of blocking them at my request and pursuant to the FCRA consumer rights which is MY right as a victim of ID theft, they did not, they claimed to follow up, then put them in notes as collection and skip ( which means I ran from these accounts and they cant find me ). This is as untrue as can be, they all know where I live including Equifax. BUT to really prove how the violated my rights, they also put collection and skip on a VALID account that is mine, that I used daily, that is in good standing. PLEASE see attached. They lied, they added Collection and Skip on all my accounts I asked to Block then EVEN DID ON VALID ACCOUNTS. Not only that, they show all of the collection and skip accounts as being paid on time. HOW? Just look at the attached. I can file a major lawsuit against them. They have accounts on time in collection and skip. They have a valid account listed as collection and skip. ALL of these accounts are showing as being paid on time. Every consumer right I have under FCRA is being violated. I simply had a total of XXXX items that I blocked and now it is XXXX items due to them adding stuff, lying and making up items on my report. Just look at the attachment it explains it all. It is as easy as pie to see how they are purposely trying to destroy me because I keep mailing them letters DAILY. They are upset at this and trying to hurt me and my credit. My credit is a XXXX but Equifax is trying to destroy it. They are evil people. They need to be held accountable, my attachment will show this all to you. I tried to put this all in XXXX document for you. I have amble proof, a police report, an id theft report but I do n't even need those, this shows clearly how every account is wrong.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax has began AGAIN as of XX/XX/XXXX reporting incorrect information to my credit profile ( DUE TO RECENT EQUIFAX GLITCH ) although, Equifax has received several notifications from XXXX directly regarding an update to their reporting. 

I 've mailed a certified letter to Equifax on XX/XX/XXXX and XX/XX/XXXX regarding incorrect reporting of my XXXX/ XXXX student loans. Despite two written requests, including original documentation from XXXX/XXXX to support my dispute that XXXX has changed their name to XXXX and the XXXX delinquent accounts on my Equifax report should be reporting CURRENT they still remain on my credit in violation of Federal Law. XXXX changed their name to XXXX on XX/XX/XXXX and all my loans through XXXX and XXXX were never reported past due or late in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX. Please see attached documentation from XXXX/XXXX.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

While going through the process of a 8 year divorce, I had relinquished my home at XXXX XXXX XXXX XXXX, Ca to the mother of my children. Court documentation stated that she had full custody of my children ; additionally, I wasnt abreast of their activity, nor was I granted any visitations. I extended the business to continue the last contract up to XXXX upon which all funds received went directly to her to a bank account that I had know access to. I recently checked my credit and found that in XXXX, XXXX and XXXX several liens were placed on my credit unbeknownst to me. My address has been in XXXX XXXX for the past 6 years. The updated status of these liens have apparently been satisfied/released and this has caused more of a hardship upon me to function in todays economy. I have know knowledge what these were placed on my credit for, for I havent been in contact with her and I still have to go through her if I wish to speak to my now XXXX XXXX XXXX son. I feel that due to her knowing my personal information, that my name and information was used in of hers for whatever these liens are applied to. I need to see proof of my acknowledgement, signature, etc ... something showing that i was aware or responsible for any of this.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

Hey there it 's been a live check cashed under the check was for my father XXXX everything on the check was his correct information except for the social security number was mines and he late paying it and they reporting it under my credit i called the company that the check was sent out to but they still have n't tried to fix the problem the place where check was cashed was called XXXX I was trying to see what I can do to get this problem fixed cause it 's not mines and it 's hurting my credit bad thanks
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I have been receiving letters from my current credit card companies stating that they were closing my accounts due to information on my Equifax credit report. XXXX just closed my accounts last week. I noticed last year that there were issues with how Equifax was reporting. All of a sudden accounts that were previously disputed & deleted reappeared and none of my current accounts listed any balances or account history. All of my new accounts were not even listed anymore. I disputed multiple times but Equifax has done nothing to correct my report. I have attached a copy of my CORRECT credit report dated XX/XX/2016 and a copy of how it is currently reporting dated XX/XX/XXXX. The XX/XX/XXXX report is SEVERELY incorrect. I have also attached proof of deletions including bogus pubic records that were deleted. 
I have also filed complaints with the BBB and the Texas Attorney General. I am suffering severe financial damages due to the mishandling of my credit information by Equifax. I have disputed so many times without any correction to my report. I am trying really hard to handle this situation outside of a courtroom. I just do n't know if I have any other option at this point than to hire an attorney if the CFPB, BBB & TX Attorney General can not help me.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

I filed several disputes with Equifax about a collection account with XXXX. XXXX XXXX agreed to delete the account from my credit file but Equifax has refused to delete. XXXX sent over XXXX XXXX request for deletion and nothing has been done but update the balance to XXXX. This was not the arrangement with XXXX. They agreed to delete so Equifax must follow and delete the collection account. This account was previous deleted and reinserted without me being notified
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

I have an alleged XXXX account for XXXX on my Equifax credit report.I have disputed this account several times with Equifax as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Equifax credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
Equifax XXXX - XXXX XXXX - XXXX XXXX - XXXX FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Equifax is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Equifax responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.
Consumer complaint received 2015-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

About 2 years ago I became XXXX. In XX/XX/XXXX I had to have a XXXX. My wife struggled to keep up with the mortgage and did so until XXXX 2014 when we started to fall behind. By XXXX we were about {$4000.00} behind and foreclosure was started on XXXX. I was awarded XXXX in XXXX and received back pay in XXXX. When we contacted Seterus we were told that it would cost us over {$11000.00} to stop foreclosure and make everything fine. After speaking to a few attorneys we agreed to pay them. They told us that the {$11000.00} would make us current including XXXX mortgage and would cover all legal fees. We then paid XXXX mortgage early. On XXXX we received another notice stating that we owe another {$3800.00} due XX/XX/XXXX. We probably will not be able to make that payment since Seterus took the majority of the back pay I received from XXXX. I believe these piranha will continue to extort money from us until they succeed in taking our home! PLEASE HELP!!!!!!!!
Consumer complaint received 2017-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NM)

I am currently on an Income Driven Repayment ( IDR ) plan and I agreed to electronic and direct deposit. I firmly believe that these plans are created to lower payments to a more manageable XXXX ( of course interest still accumulates ). I pay XXXX a month and woke up this new year to a XXXX withdrawal. Not only was Fed loan rude but they put all the blame on me. I spent the afternoon stopping payment from my bank and dealing with Fed loan trying to still attempt to not default but was not able to reach any type of compromise. My only question is its 2017 is the best form of communication an email over the holidays with no marker of importance, no title in the email stating my rate would go up, not a prerecorded phone call or send a text ( they do of course offer texts for promotional services ). I understand of course as they stated this is all my responsibility but with such a significant increase in payment I definitely think a better effort on their side communication wise is definitely warranted. I feel the worst for the call center employees since they are forced to deal with unnecessarily upset customers. I mean where is the logic here I 'm on and IDR because I ca n't afford a regular payment so go ahead and instead of charging me XXXX charge me XXXX. I guess understanding of my situation was just to hard for them. I was not notified of forebearance till the 5th time I called TODAY! I am definitely reconsolidating and looking for a better servicer. After all was said and done I attest that this process took 6 hrs today and by the time I called back the calling center was closed!
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (WA)

We were required to take out Parent Plus loans because of the FAFSA, we were required to take out parent plus loans to supplement our sons education costs. We borrowed a total of {$21000.00} and the loan has grown by 50 % over the last 5-6 years to {$36000.00}. Even though we have made monthly payments for the last 4 years
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ResidentCollect, Inc. (OH)

I was living in the townhouse, when gave month-to-month notice which was approved, then left due to being stalked by unknown person. I filed police report, however apartment complex continues to bill for what they collected from bond for apartment. My minor daughter and myself had to flee the apartment to be safe.
Consumer complaint received 2016-09-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EMCC Holdings, LLC (NY)

In XX/XX/2016 a formal notice of dispute was sent certified mail to Equiant Financial demanding the validation and verification of an allege loan debt, Equiant Financial failed to respond. In XX/XX/2016 a second notice was sent demanding validation and verification of an alleged debt, Equiant Financial failed to respond. in XX/XX/2016 a third notice was sent and Equiant Financial failed to respond. 

Equiant Financial is in violation of Fair Debt Collection Practices Acts that require a debt collector to validate the debt they are attempting to collect on. Equiant Financial is violating XXXX Laws which require a debt collector to cease and desist collection activities prior to validation of alleged debt. Equiant Financial continues to attempt to collect on an alleged debt without strict proof of its existence. This falls under XXXX and XXXX laws. Equiant Financial is sending mail with false and fictitious names, a criminal conduct falling under XXXX XXXX XXXX. XXXX - Fictitious Names. 

I also reviewed my credit report and noticed Equiant Financial continues to publish negative remarks to Experian and Transunion credit agencies. Equiant Financial also failed to report this debt to the credit bureau as being disputed. This is defamation of character and a violation of Fair Credit Report Act which falls under willfully non compliance.
Consumer complaint received 2016-04-15
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Social Finance, Inc. (MD)

!!! Document the rates you are offered along the way and be sure to check the final rate on your loan!!!! 
During the pre-approval process, I was offered high rates for refinancing my student loan. I added my husband as a cosigner and the pre-approved rates dropped. I selected the 4 % fixed rate for 7 years. I then continued through the process. 
After getting " approved '' I received an email stating that the terms had changed. I logged in and it was not obvious what had changed. I called SoFi and was told that my rate had improved to 5.75 % and that I should just sign. It seems that the lower 4 % rate did not get recorded in the system. I was then told it was higher because they were unable to verify my employment. After verifying my employment, they told me I was never offered the 4 % rate. I am 100 % sure that I was offered this rate. The current rates that SoFi is offering me are barely lower than my current loan, and I would have never proceeded with the process.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

When I could n't pay my student loans they sent me to collections and charges a lot of interest. My other loan now payment plan is kind of high they do n't take into consideration of living expenses for families. My credit score dropped they do n't report correctly to the bureaus and the interest charges is a lot.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

Made a payment yesterday XXXX/XXXX/2017 on all loans federal and private. Checked my bank account today and the payments are posted. However checked my navient.com account and it says my loans are past due. The interest rates are high enough I do n't need fake late fees. Also when I spoke to someone why it 's taking so long to pay loans under {$5000.00} they said the payments knly cover the interest. I 've been paying these loans for 7 orb8 years already and feel like I 'm not getting anywhere. I attended both XXXX XXXX XXXX University. And XXXX XXXX the XXXX XXXX XXXX