davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (MI)

I lost almost everything after my divorce and had a had time putting my life back together But I did get things turned around and back on track I am working and making good money I can pay for my family home. I need and want to keep my home Please Help. This is all I have left the house has been in my family for years and the one place the kids can still call home I know the house needs a lot of work and is only worth XXXX of what is owed the bank today but I am willing to do the work to fix it up and pay what is needed to keep it. I also know the Bank has someone they know trying to buy it for next to nothing .Now that it not worth it and I have paid on it for years why should n't get a chance like that to help me afford to save my home Please Look into This and help Me Save My Home Before They Take It From Me.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I am filling 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 an account under " XXXX ''. I have no knowledge of the account being reported on my report. 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. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I am disputing account number XXXXXXXX with XXXX for an amount of {$290.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Consumer complaint received 2017-04-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have sent disputes to the credit bureaus and they have failed to send me any kind of validation providing me with proof that the accounts actually belong to me. They have violated my right under the fcra to send me proof of all accounts listed on my credit report that were disputed. Instead they add comments to my report that the information meets fcra and when comment are added to my account they each drop m y credit score a s if they are punishing me for asking for them to send me proof of accounts disputing belonging to me.  XXXX  just again dropped  my credit score be cause I made on time payments and my balance decreased. I do n't know how this can be legal y our credit score should go up when balances decrease not when go down.    I recently disputed late payments from my student loans due to the fact the company knew I was in deferment but claim I never sent paper in when I called to verify it was received over a year ago only to still have them reporting negative information of late payments. When payment history was disputed fed l oan only agreed to remove two late payments and when this was updated my credit scores again decreased. Thanks for any help you can give. It is sad that these credit bureaus are getting away with false information and dropping someone 's credit score because they dispute negative information and for paying your bills on time.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OH)

XXXX XXXX, XXXX Equifax Information Services LLC To Whom It May Concern : Thanks for the help in correcting some of the adverse information previously reported on my credit report. At the moment I still have some pending accounts, on my credit report, that still need to be fixed. This is why I 'm still disputing the following items : XXXX XXXX I strictly recommend you to start an investigation about the prior delinquency date, creditors name, opening date and type of this account, It seems inconsistent, so do so or simply remove it from my credit history. XXXX XXXX I truly believe that you are committing an error on the account type and status, examine this situation or erase this negative information XXXX XXXX Bank XXXX XXXX Verify and certify the accuracy of this late payment, I really do not know why it is here, so please do so and make the corrections as needed. XXXX XXXX I request from you the confirmation of this collection account, I believe it has been reported by mistake, if so please provide me the whole documentation about it, or otherwise just delete it. XXXX XXXX I know for sure that people make mistakes all the time, and I believe this is XXXX of this occasions, because I have found some late payments that I believe are being reported incorrectly, so expunge all and make it positive. XXXX XXXX This account have information that apparently is incorrect, please verify the status, late payments and terms, and erase them. XXXX XXXX Perform an investigation over this information, I have found somethings that I consider are inconsistent, like the account status, terms, and opening date, If I am correct please proceed to fix it. Incorrect Name XXXX XXXX XXXX Incorrect way to show my name, please remove it and update it to the XXXX appear on my id docs Navient XXXX The status, terms and multiple late payments reported here must be verified carefully, they are showing negative information that could be incorrect and that is hurting negatively my credit history XXXX XXXX Perform a real investigation over this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX XXXX XXXX There is a 30 days late payment that I earnestly think is incorrect, so please corroborate this information and fix it. University XXXX XXXX XXXX I feel the monthly payment amount, terms and status should be verified, because I understand they could be incorrect please do your job and correct it. I also need you to please send me the information of whom you contacted during the investigation. 
Great Day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX/XXXX/XXXX SSN : ***********
Consumer complaint received 2016-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

I can not dispute with Equifax , all of their verification questions do not apply to me and I will NOT send my ss card and id to a random number. When i called I got a rep that barely spoke english and could not verify my identity either. They keep insisting on sending my ss card, id, birth certificate, etc to that fax number. That just seems like they are trying to steal my identity! After reading the XXXX complaints, I see I am not the only one with these issues! Please do something about this company! I am scared to say there is a serious problem with the company that is in charge of dealing with my credit! PLEASE please please do something about them!
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

I went to Equifax 's website about the security breach. They told me that my data was likely compromised. I tried to sign up for the free monitoring service. After one week ( not 48 hours ) I  received an email from trusted id customer service. To verify my identity, i was told a text was sent to my cell phone. it was not. When I asked for the code to be resent, I was told that I was already enrolled and to please enter my email and passcode. The password did n't work so i asked it to send a reset password to my email. It did not arrive. I called the number provided on the website to Trusted ID. The woman could not help me, unless i gave her information about loans that were 9-10 years old. I would like to know if my data is compromised.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (IL)

I originally wrote Equifax on XXXX XXXX, XXXX. They received the certified mail on XXXX XXXX, XXXX. They took until today, XXXX/XXXX/XXXX to respond. That is in excess of the 30 days allotted by the FCRA. Thus, I am requesting that all items listed on the attached letter be removed from my credit report. Nowhere in FCRA is a matter allowed investigation in excess of 30 days.
Consumer complaint received 2017-04-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (NY)

On  XXXX   XXXX ,   XXXX   I requested the following through CFPB to Navient : " I am requesting a full and complete itemization as follows : The original amount of loan to  XXXX , how much  XXXX   XXXX  was refunded, how much  XXXX  kept and why when student was in hospital and not attending. How much of loan was paid, the amount of fees and interest charged and dates of all information I am requesting. '' I never received this info, however, received a payment request from   XXXX   again.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

This is the 3rd complaint that I have made to you against Equifax and now I 'm getting really upset because no one is helping me. this account listed on my credit file is the result of identity theft and my entire identity was stolen to the point that I had to go to a federal location to clear my name! I called and asked why these XXXX accounts were not removed and was told that it is because they did not receive the official police report and I have sent that to them 3 times now to no avail. I need for this account to be removed immediately. 
In XXXX 1997, Congress states that the burden is on the credit bureaus and creditors to prove the accuracy of the accounts and not on me and yet I 'm receiving letter after letter from XXXX stating that these have been verified and that they will not dispute this again. Where 's the signed contract with MY signature? Where 's the proof that shows which IP address was used to apply for this account? I know for a fact that it was n't mine! I did not open this account, apply for it, authorize it or have any knowledge of it and it must be removed immediately. The bureaus are required to report ACCURATE AND COMPLETE information and it takes over a year to prove that they are being willfully negligent? 
These are the accounts that I am disputing : This account is the result of identity theft and must be removed immediately pursuant to section XXXX immediately and permanently cleared from my credit report : XXXX XXXX Account # XXXX
Consumer complaint received 2017-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Perfection Collection (NY)

I do not owe this " security '' company, XXXX, anything. Our service contract with them ended many years ago. They have failed to submit any paperwork to me to back up their claim that I owe them anything, after numerous requests, because there is none. Re quests to speak with management are declined. They just keep sending this off to different collection agencies, to whom I am sick of reiterating these facts. Then they just sell it to another company, hoping I guess, that i will just give into their extortion. 

They have now fraudulently placed a collection notice on my credit report. How can they do this? I have contacted the FTC, Department of consumer affairs, and next will be the State Attorney General 's office. I also believe I may take this to small claims court, and am considering joining a class action suit.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded  in the State of Texas to pursue collections. I entered the name and address on the Secretary of State website for debt collectors and was unsuccessful at locating a bond for this agency.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WA)

US Treasury Department is charging me for a money order that was returned to the US Post Office in XX/XX/XXXX and provided to the Post Master, XXXX XXXX in XX/XX/XXXX. I have disputed this with the US Treasury but to this date I am still being charged for they money order. I have proof it was returned to the Post Office as the postal clerk wrote on a note she received it from me. Please remove this from my credit report.
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I again come to you for your assistance with this matter. I am the victim of ID Fraud and I have sent all the information that is needed to Equifax to remove the accounts that are affected. I sent the Police Report, FTC Affidavit and a letter of reference to Equifax and they still leave the accounts on my credit report and they have yet to remove them all.. Please again remove the fraudulent accounts off of my credit report and please block them out so that they can not continue to reinsert the sae information back on. You have deleted XXXX XXXX twice and yet tey continue to re-insert it back on because your have n't blocked the. XXXX XXXX XXXX is the collection agency that is collecting for XXXX XXXX and you have only deleted XXXX accounts and left the others there. You have left XXXX there. Please do your due deligience and no this should not take 60 days to complete you have 4 days to do so
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MS)

My mortgage account has been deleted from Equifax credit reporting file as of today XXXX XXXX, XXXX XXXX XXXX informed me that Equifax showed that they had deleted my mortgage account which caused my credit score to decrease by XXXX points. I, then paid {$15.00} to Equifax to get a report so that I would have their file number just to talk with someone about the deleted mortgage account. Equifax representative as of today, XXXX XXXX, 2016 advised me that I had to get this error corrected although I have a mortgage account which is current as of XXXX XXXX, 2016. He confirmed that the mortgage account had been deleted because the account had not been updated since it was last reported. He advised me that the mortgage company must resubmitted the information to them. I called the mortgage company. Does Equifax has the right to delete a furnisher information on a consumer without confirming the information with the furnisher? My mortgage account is open and has been current for years.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded in the  State of Texas to pursue collections. I entered the name and address on the Secretary of State website for debt collectors and was unsuccessful at locating a bond for this agency.
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXX COLLECTIONS INAlert Date : XXXX : EQUIFAXCompany : XXXX XXXX COLLECTIONS INPayment Status : UNPAID ( UNPAID ) Status Date : XXXX : $ XXXX Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXX XXXX therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

Equifax decided to penalize me by taking XXXX points off of my credit score because I used 23 % of my available credit which is {$110.00} ( {$500.00} is my credit ) .They basically marked it as a huge no no and compared with previous zero % usage and thus decided I was a very bad girl. No, I was n't late with payment. No, it was n't a carry over amount from previous cycle. What 's the point in having a credit card if you get penalized for using 23 % of the total available amount. So much about XXXX shopping for me ... now I 'm at the point where I do n't even wan na use the card. While I was using it as recommended my credit score did n't move in months but stayed the same. There was times when I had more spent but I never lost XXXX points. Like I said, I did n't do absolutely nothing for this to happen. This needs to be rectified asap.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TN)

I had a mortgage loan that was owned and serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NC XXXX. The last amount reported on my bureau was {$140000.00}. This loan was paid in full at the end of XX/XX/XXXX. Repeated requests have been made to properly report this as paid in full. Their deliberate disregard to properly report the balance and pay history has caused my personal credit score to be lower than it should be. This has recently cost me a higher interest rate on my auto loan. This loan is reporting as open on all three of my bureaus and has kept my scores low on all XXXX. Seterus has a regulatory required to properly report this information on a timely basis. The months of XXXX, XXXX, XXXX and XXXX have now passed and they still refuse to properly report. They have a history of non compliance and reckless servicing on my loan as well as others. I am seeking damages from them for the purposeful disregard for my rights under the Fair Credit Reporting Act. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My SSN is XXXX. DOB XX/XX/XXXX. My
Consumer complaint received 2017-03-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AmeriCollect (PA)

The collection agency ( Americollect ) was called and payment arrangements were made. 50 % now ( was back on XX/XX/XXXX in the first call ), 50 % next payment. Collection agency agreed to send balance bill. The XX/XX/XXXX payment made over the phone was not credited until XX/XX/XXXX -- 12 days to credit it. No balance bill EVER sent or received ( they agreed in a recorded call by them, that they never sent out the balance bill which was agreed ). Yesterday they filed " collection/derogatory '' on my credit reports. I found out today when I CALLED THEM to pay the balance. UNFAIR! The balance is now fully paid, the debt is satisfied.