davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NV)

I have a current mortgage serviced by Seterus , Inc . I am trying to pay down the principal every month by adding {$120.00} payment. I make the payments over the phone, separately, and the representative on the phone tells me I can make the payments this way. Seterus ' representative gives me a separate confirmation number for each payment ; mortgage payment and the extra principal payment. But when I receive my mortgage statement, it shows the extra principal payment going into a suspense account instead of going to the principal balance. I have called to get it fixed, just to have it occur again the following month. This month I received a letter with my mortgage statement explaining that Seterus " can not accept partial payments '' so they put the money in a suspense account. When I make the extra principal payment I am not making a partial mortgage payment and the representative on the phone assures me the money will be put on the principal. I called Seterus this morning and spoke to a customer service agent who told me that Seterus can not take extra principal payments over the phone because the system can not accept it and therefore every time I make the payment over the phone it will be put into a suspense account and eventually moved. She advised me to send a separate check to Seterus in the mail for the principal payment if I do n't want the money to end up in a suspense account. I do not understand why a servicing company can not apply payments over the phone as directed when it takes an employee to enter the principal payment into the computer either way. I do not believe I am the only person trying to responsibly pay down my mortgage and being told conflicting information. Putting my extra payment in a suspense account instead of the principal on allows Seterus to make additional interest and costs me every month. I would like to know if a servicing company can purposefully make it more difficult to pay down the principal balance, especially for people who do not use snail mail anymore, in order to dissuade people from doing so.
Consumer complaint received 2019-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

To Whom It May Concern : Ref CFPBcomplaint # XXXX It seems if XXXX XXXX delegates problem and perhaps rather than send form letter raising payments and contact XXXX County Auditor 's office as asked this matter could be resolved contact XXXX XXXX extension XXXX ref to any questions approved for 4 % tax rate.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (VT)

I have disputed the information but have not heard back from Experian as of yet. I was turned down for my vehicle loan because Experian put XXXX Fraud alerts on my credit report. I did not request for them to do this, they apparently took it upon themselves to put the Fraud alerts on their themselves. This was very embarrassing and I have not been extremely upset about the situation. I have asked them to remove this immediately as they have addresses listed that I never resided at, companies that I have never even worked with and phone numbers I have never had, etc. Can you please assist with this matter.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX almost XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. now that Im an adult I was turned down for credit because of a utility bill that was put on my report back then before I was XXXX. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and dont sell XXXX or anything like that my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.
Consumer complaint received 2016-02-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (CA)

I took a loan from Cash Call in 2013. The amount was {$5000.00}. I did n't understand the terms of the loan because the transaction occurred within a couple of days. I then lost my job and defaulted about 7 months later. Cash Call made it very difficult because they would not work with me until l could get back to work. The interest is now 119 percent. Now Cash Call is threatening to file a lawsuit and the balance is over {$35000.00}. 
Initially the salesman who I spoke with never explained the terms of the loan. Therefore it is my believe that there was despection. When I tried calling him back to let him know I lost my job it was impossible to get him or someone to speak with. 
The collection department would call about XXXX times a day but used blocked numbers or unrecognized numbers. I spoke with someone in that department who was not willing to work me on a partial payment. My salary was and is still very low, and I am not capable of making payments.
Consumer complaint received 2016-10-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AVANTE (FL)

I went to the hospital for a problem and am XXXX. I gave the hospital my insurance information. Later on I received a debt collection notice from XXXX Hospital so I called them and again gave them my XXXX insurance information. A long while after that I received something in the mail from a collection agancy so I disputed the bill with them advising them that I had insurance at the time and it is up to the hospital to submit the claim through XXXX. I just checked my credit report and it has a collection from Avante USA from XXXX XXXX XXXX Hospital. I have proof of insurance from XXXX if necessary. It is not my fault they did not correctly bill my XXXX insurance.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I called the the XXXX Credit Bureau 's after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this account will be updated soon. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

I have a loan with CitiMortgage, and for 18 months it was being paid by XXXX because I am in a hardship situation. So when that ran out, I applied to Citi for help and they said they would try to modify the mortgage. Well months later they agreed to a modification on a four month trial basis, and if all went well, it would become permanent. I learned that my loan was serviced by Fannie Mae, and my Citi contact helped me set up the payments for the 4 months to be deducted from my checking acount automatically. The XXXX one went well, and then I learned that my mortgage was transferred to XXXX XXXX XXXX, and tons of paperwork with it, of course. I was told the XXXX payment should be sent to XXXX XXXX and I advised, or tried to, both XXXX and XXXX XXXX that it was to come out automatically on the XXXX of the month prior to the XXXX when it was due. Well now I was told Citi was no longer handling the loan at all, and I would have to talk to XXXX XXXX, however, XXXX XXXX told me that it had not yet been transferred completely so they did n't have all the info. After many calls, I finally got a XXXX manager, and he told me to send in my XXXX XXXX payment, which I did. The interestiang thing that happened was when I check my bank account XXXX XXXX, looking for XXXX 's automatic entry, it had disappeared. They were not listed as one of my debtors at all and even if it 's a single payment they should be so I could not verify the information that was set up. The XXXX payment due XXXX XXXX was taken out on XXXX XXXX and that was it. So in talkng to XXXX they say they ca n't talk to me cause they no longer have the loan, and XXXX tells me that it is not yet transferred completely. Where is it, in the clouds with all the other wireless stuff? XXXX Housing Agency is helping me now, they have in the past and they suggested I contact you. Thank you for being there. I am a XXXX trying to maintain my home to the best of my ability.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MA)

DEPT OF YOUTH SERV XXXX MA. THIS WAS XX/XX/XXXXMORE RECENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MA. 

XXXX XXXX XXXX, MA XXXX WAS NEVER MY ADDRESSXXXX XXXX XXXX XXXX XXXX, MA XXXX WAS MY MOTHERS XXXX UNTIL SHE PASSED 5 YEARS AGO, I NEVER LIVED THERE? 

PLEASE CORRECT
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. Apparently on XXXX XXXX, XXXX an account was opened in my name with XXXX on the XXXX XXXX of FL where we have never lived ( as per XXXX XXXX, of XXXX., the collection agency XXXX ). I filed a notarized " Identity Theft Victim 's Complaint and Affidavit '' on XXXX/XXXX/XXXX and took it to the XXXX XXXX Police where it was filed by Officer XXXX XXXX with case # XXXX and received a confirmation letter back from XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX ( XXXX phone number XXXX ). Both XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX ) have deleted this false information. My complaint is with Equifax. It is impossible to contact them without a confirmation number that they never supplied ( only a file number XXXX, XXXX XXXX, XXXX XXXX which they wo n't accept. Their online email dispute resolution form, which does not require the confirmation number, is driving me nuts. I 've filled it out three times with all the requested information but when I press Send I get the frustrating and disgusting message back " server Equifax.ai.com '' can not be found. Please help and report how this XXXX agency is absolutely miserable. They should have their license revoked!
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (DE)

Credit Reporting Agency : Equifax - Legal Item. This issue is Primarily My Name Being the Same as the Defendants Name on a legal case, Which is the most that Equifax is tieing me with. Had Disputed this case a year ago, Equifax Verified they had no actual Information Connecting Me with the incident. No SS # No Drivers License # Infact the Collections Debt account is not on my Report Either, Just the Judgement Case has been Put on due to My Name being the same. Equifax has refused to remove the Public record.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the report. date opened was not XXXX XXXX, 2008. I disputed the account details and they are refusing to verify the information.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

1.My credit report has a record of many accounts which has been paid and closed long time ago by credit card consolidation company2.Judgment record- account paid off3. My student loan was cancelled do to permanent XXXX. 
4. I have only XXXX credit cardI have nothing else on my recordPlease remove all bad recordThanks
Consumer complaint received 2016-02-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TN)

I have disputed XXXX accounts on my credit reports twice and Equifax has stated that they have verified the account with the vendors and it came back as verified. I personally called the vendor today and was told the company that they do not service student loans and are n't reporting any information to any credit bureau. Equifax has told me twice on XXXX separate occasions that they have verified the information on my credit report which is a lie. The companies in question are XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

An item not belonging to me ( XXXX XXXX Credit Card ) is showing on Equifax. I first filed a dispute on XXXX/XXXX/XXXX. I have since filed 4 more disputes. I have also spent hours on the phone with both XXXX XXXX and Equifax. XXXX XXXX shows the item as removed from my name and credit. They sent me a letter confirming this XXXX/XXXX/XXXX, which I forwarded to Equifax. Equifax is still denying the removal from their reports, stating that XXXX XXXX confirmed the item as belonging to me. XXXX XXXX is stating that they did not receive an inquiry from Equifax. Neither company will call the other and both blame the other, with me stuck in the middle. I keep being told to file another dispute and it will clear this time but I 've already filed 5 disputes. No other credit agencies shows this item as belonging to me, leaving me to believe the issue is with Equifax.
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

I believe I am the victim of identity theft and was trying to improve my credit score. Everytime I try and view my score though annualcreditscore.com it tells me that my data is unavailable or something crazy even though I know I am giving the right social security number. Its also preventing me from getting a past XXXX.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

THIS IS BEING FILED THIS WAY BUT TAKE NOTICE THERE IS ABSOLUTELY NO ID THEFT IN THIS MATTER AND YOU SHOULD NOT BE PUTTING ANY KIND OF FREEZES ON MY ACCOUNT. PAY CLOSE ATTENTION TO THE ATTACHMENTS WHERE I HAVE WRITTEN IN A WARNING TO NOT PUT ANY KIND OF FREEZES ON MY REPORT OR ANY KIND OF FRAUD ALERTS JUST BECAUSE I AM DISPUTING THE VALIDITY OF YOUR REPORTING. YOU DO NOT HAVE MY PERMISSION TO PUT ANY ALERTS OR FREEZES ON MY ACCOUNT. DOING SO WILL RESULT IN A LAWSUIT. 

FOR THE LAST TIME. XXXX COLLECTION FOR XXXX XXXX IS IN THE NAME OF XXXX XXXX. IT IS NOT IN XXXX XXXX NAME AND YET YOU SAY YOU HAVE VERIFIED THIS. TOTAL LIE, AND YOU ARE IN VIOLATION OF THE FCRA. THE XXXX ACCOUNTS ARE STILL LISTED AS PENDING BUT YOU ARE OUTSIDE YOUR 30 DAY INVESTIGATIVE WINDOW AND THESE NEED TO BE REMOVED IMMEDIATELY. YOU STATE THAT " Company responded Experian Credit Bureau said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that the disputed collection accounts are false and in violation of XXXX. You further indicate you contacted the company that informed you that the account is attached to another person. You are requesting the disputed collection account ( s ) and fraud alert to be removed from credit report. 

According to our records, the disputed collection accounts and fraud alert do not appear on your Experian personal credit report. You should receive an email notification, within the next 48 hours, alerting you that your dispute results are ready to be viewed online. '' BUT THIS IS A LIE BECAUSE THESE ARE STILL SHOWING UP ON A CREDIT REPORT THAT I RECEIVED TODAY. I AM GOING TO FILE A COMPLIANT AGAINST YOU WEEKLY IF YOU DO NOT REMOVE THESE ITEMS WHICH YOU CAN NOT PROVE ARE COMPLETE, ACCURATE OR VERIFIABLE. I AM TIRED OF ASKING YOU TO DO YOUR JOB BUT YOU BELIEVE IN BREAKING THE LAW. REMOVE THESE ITEMS IMMEDIATELY AND STOP TELLING ME I HAVE TO CONTACT THE ORIGINAL SOURCE, I HAVE DONE THAT BUT IT IS NOT MY RESPONSIBILITY TO PROVE THAT THE ITEMS ARE MEETING FCRA GUIDELINES. YOU ARE BREAKING THE LAW BY REPORTING INFORMATION AGAINST ME THAT YOU CAN NOT PROVIDE PROOF FOR. THIS IS YOUR LAST WARNING TO REMOVE OR SUFFER A LAW SUIT.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX placed a collection on my Experian credit report on XXXX XXXX, XXXX for {$680.00}. I have never received any communication regarding this account via XXXX Mail from XXXX and had no idea what it was for. It did, however, look familiar and further investigation of my XXXX credit report from XXXX XXXX, shows that XXXX had the same collection on my credit report then for the same amount but with a different account number. I had not received any communication regarding the previous ( same account ) back in XXXX either and when I discovered it on my credit report, I sent a letter to XXXX requesting validation of the account per the FDCPA. This was sent on XXXX XXXX, XXXX. XXXX has never responded to this request. I also disputed the account with the credit bureau around the same time and XXXX subsequently deleted the account from my report on XXXX XXXX, XXXX. 
I have never received any mailed communication from XXXX, nor have they every validated the account from my requested in XXXX. I disputed the account they are currently reporting on my Experian credit report and received notification that it was verified as accurate. How is it possible that XXXX can validate a tradeline as being accurate when they admittedly do not have information about the account in their possession and can not provide it despite my request for validation over a year ago. XXXX is deliberately trying to poison my credit rating by reinserting this alleged account on my credit report. They can not provide documentation to me proving that I owe the debt nor can they show proof that they have any legal right to collect it, yet they verified it as accurate to Experian.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IN)

I have repeatedly asked for nuisance collection accounts on my credit report to be removed, but they are refusing to do so under some arbitrary policy. The accounts are worth {$12.00} and {$51.00} respectively. Both are insane amounts and should n't be used.
Consumer complaint received 2017-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I had requested a credit card with XXXX. XXXX approved the request and issued a credit card. When I saw my credit report information there were XXXX inquiries from XXXX Bank. I contacted the Bank and asked why they had XXXX inquiries on my report and asked they remove them. Instead of removing the excess number of inquiries, I checked my report and they had reported that ( had reported the credit card as lost or stolen. I informed them that I had not reported the card lost or stolen, but that I wanted to close the account completely. They then caused there to be a second report of a lost or stolen credit card. I advised them that this was untrue and to correct the problem. They did not correct the problem, but did cancel my account, as I did request. NOW I have several inquiries and XXXX reports of lost or stolen credit card. This has caused my credit score to plummet from XXXX to XXXX points. I want the entire matter cleared from my credit reports and XXXX Bank is not responding to my communications. Please help. I am very stressed that my credit score has been changed from XXXX to XXXX points and want to correct the matter so that my credit report is not impacted. When I asked them to close the account, they replied " then your credit score will decrease further '', as if they were threatening me. I asked it be closed anyway, as I did not consider them fair or helpful. Now I have a terrible credit score, all because they fraudently reported that the card had been lost or stolen. I never reported that. I had received the card and it has always remained in my possession. Can you help me get them to undo the damage they have caused? 

Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (VA)

ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the United States XXXX XXXX. I attended the financial briefing in preparation to separating from the military. Following guidance from the XXXX XXXX XXXX, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites.