davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar Mortgage became servicer of my mortgage for XXXX XXXX XXXX. While I was doing a modification with Nationstar/Mr. Cooper ( now ) XXXX filed foreclosure had a sale etc. sold property at sale did not notify me or my attorney at that time also I was in CH XXXX/Bankruptcy. When we went to court had sale vacated, the purchaser was refunded his money and the Deed was deeded to me. That was almost 4 years ago, but this was not really a clear title. Contact with XXXX and Nationstar both denied the sale action. I have correspondence to prove it. I have tried to get status from Nationstar to know avail. Now the HOA is trying to foreclose ( dues ) put lien on property, I went to Nationstar again, this time after 4 months they admitted the mix up/wrong not in writing. Said I could stay in house until I die no payments, but if I sell would have to do a short sale, with no funds to me. I am trying to get a loan etc or sell to pay HOA but I really did n't pay because not sure of ownership but can not because of this problem, HOA O/S is about 7K but about 25K in attorney fees another issue over the limit of fees for this case. This is in Florida HOA filed.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (CT)

On XX/XX/2016, I became victim of IRS Impersonation Scam Call. The scammers told me that I am an income tax return defaulter and asked me to buy some XXXX cards and send them the code for clearing my outstanding return amount. They also told me that if I wont accept this chance they will start some law and enforcement proceedings against me and they may also put me behind bar. During this event, I used my Discover Credit Card for buying XXXX XXXX cards each recharged with {$500.00} and similarly I used XXXX XXXX XXXX card to buy another XXXX XXXX cards having {$500.00} each, thus totaling to {$4000.00}. On the next day I got in touch with local police authority, shared details of the entire event with them and they opened a case for this identity theft and fraudulent event. They suggested me to raise a claim with both Discover and XXXX XXXX XXXX and I did so. After the claim was raised, I also talked to XXXX XXXX XXXX on-call executives on this matter, they listened to me and cooperated with me and few days later they compensated me the entire {$2000.00} which I lost from my XXXX XXXX XXXX account. But, the Discover Account Executives who talked to me on this case informed me that they are not responsible for this case at all, and therefore they wo n't be able to assist me with any kind of compensation for my loss. So, I withdrew my claim from Discover. After this whenever I got in touch with them on this matter, always they said that as I have withdrew my claim initially, and once a claim is withdrawn they can not do anything more on that. 
I want to raise an official complaint against Discover. I know Discover is a very big organization providing service to thousands of people. But, if XXXX XXXX XXXX could cover me for my loss, why could n't Discover cover me at least some part of my loss, if not all. They should also be having some fraud protection policy for this kind of cases. If you could please look into this matter I would be very obliged.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I placed security freezes on the 3 major credit companies due to identity theft I fell victim to. I recently applied for a personal credit card with XXXX and a business line of credit/ SBA loan but was told I was denied because they couldnt obtain a copy of my reports. I have tried to contact all 3 to have it temporarily lifted but have been unsuccessful. 
Thank You
Consumer complaint received 2015-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NC)

I have incurred reoccurring charges on my account for overdraft fees, extended late fees for over thirty-days. The bank claims to have sent letters, which we do not have record of receiving. No phone calls were made to me, nor emails. If finding this out today, they advise me the account will be charged off in 8 days, and they refuse to put a no debt hold on the account.
Consumer complaint received 2015-05-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (KY)

I am in the process of having my roof replaced due to weather damage. Part of the process for US Bank Home Mortgage is that I have an inspection before the funds can be released to pay the contractor. I requested an inspection from US Bank Home mortgage on XXXX XXXX, 2015. I was told I would here from the XXXX party contractor within 3 -5 business days. Today is XXXX XXXX and I have yet to year form the contractor. I continue to call US Bank Home mortgage for a solution but they only tell me that a ticket has been placed to escalate the inspection, but I have yet to receive an inspection or a phone call from anyone regarding the inspection. The roof replacement work was completed on XXXX XXXX, 2015. US Bank Home mortgage paid XXXX of the {$3500.00} check they received from the insurance company. this payment was made to the contractor and myself. They have indicated the other funds can not be drawn down until the inspection has been performed and approved. US bank also received an additional check from the insurance company to cover the actual recoverable depreciation. I 've been waiting almost 3 weeks for a contractor to come out. US Bank has done nothing to assist me, other than tell me they are escalating the ticket to have an inspector contact me. I 've been told that several times, but have yet to receive a call. All of the conversations with US bank home mortgage have been initiated by me, I have yet to receive a call from anyone even though I 've been told managers and team leaders would call be back to discuss my issue.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

EQUIFAX REPORTS XXXX, XXXX XXXX XXXX ACCT XXXX ON MY CREDIT REPORT.THE COLLECTION AMOUNT LISTED IS XXXX.THE ACCOUNT WAS SETTLED ON XXXX/XXXX/2016 ( SEE BANK STATEMENT ATTATCHED ) FOR AN AMOUNT IN EXCESS OF XXXX. 
MY REPORT SHOULD INCLUDE THE DATE AND AMOUNT PAID.IN CALIFORNIA ALL COLLECTION FEES IMPOSED THAT WERE NOT DISCLOSED ON ORIGINAL CONTRACT ARE ILLEGAL.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (LA)

I have disputed this account and it 's entirety on XXXX different occasions. Once in XX/XX/XXXX and once again in XX/XX/XXXX. I have XXXX different confirmation numbers including the one I listed above and XXXX and both times Equifax confirms that XXXX is reporting the information accurately. The first dispute Equifax replied with a 30 day late payment XX/XX/XXXX, a 60 day late payment XXXX XXXX, a 90 day late payment in XX/XX/XXXX, then 120 day late payment XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the the account charges off " L '' for the months XX/XX/XXXX-XX/XX/XXXX. There is NO PAYMENT HISTORY in between XX/XX/XXXX-XX/XX/XXXX. Then Suddenly XX/XX/XXXX after the charge off status has reported for over a hear, it suddenly begins reporting payment history again of 180 days late XX/XX/XXXX - XX/XX/XXXX.then immediately report the account as a charge off again. ON the second dispute Equifax then verified they were reporting the information correctly, but the added a 180 day late payment in XXXX XXXX as well then began reporting the account again as a charge off. It 's my understanding that once the account has been charged off, unless payments have been made then the account remains as a charge off and ca n't pick up late payments randomly a year after the account has charged off. I also requested payment history from XXXX via certified receipt and at the same time I sent a dispute to Equifax and I never heard anything back from XXXX. This is all illegal and Equifax is allowing information to report verified or not that is common sense that it should n't be reporting. I think it ' ludacrus that I have now spent over 3 months of my life trying to get information corrected and it 's impossible no matter what I try.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (OH)

We are in a DESPERATE situation and need help fast please! My wife and I are supposed to close on our new home on Tuesday XXXX/XXXX/17. On Thursday XXXX our mortgage company pulled my credit to submit for final 'clear to close ' to underwriting, and the score was XXXX points lower than it had been before, and no longer eligible for the loan approval. Unbeknownst to us, a cable bill debt that IS NOT VALID and was disputed and DELETED back in XXXX, came back onto my report and tanked my score. I immediately called the collection company, showed them proof of the deletion and they submitted a " manual deletion '' and gave us a deletion number and a letter saying it is deleted. I then called Equifax and gave them the deletion number. They said there is nothing they can do for up to 75 days. We are unable to close on our home until this is GONE from my report and my score returns to normal. Meanwhile we have sold our home and must be out by the end of the week! My family of XXXX with XXXX young children will be homeless unless this is resolved and we can close on our loan. PLEASE HELP US get this error on my report removed!!!
Consumer complaint received 2017-02-10
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (MN)

The bank did not disclose its wire transfer fees for savings accounts. It charged {$20.00} per outbound wire and {$30.00} per inbound wire. In particular, the inbound wire fees were a complete surprise. The bank stated to me that they are required by Regulation E to charge wire transfer fees. I am no bank regulation expert, but this does not seem to be the case since other banks do not charge for wire transfer fees.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

Hello, Equifax reports the following errors as of XX/XX/2017 via my consumer reports : 1. Unknown creditor with no provided contact information, {$300.00} ( see attached ) 2. Unknown creditor with no provided contact information, {$100.00} ( see attached ) 3. XXXX XXXX XXXX is current and paid as agreed 4. XXXX XXXX is current and paid as agreed. 

Thank you
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I have attached my tax return. I only made {$250.00} in the state of maryland, Thus I do n't owe what they said I owe. 
Maryland has closed this stating they are satisfied, but now it is on my credit for the next 7 years. Its not right, It should not be on there at all. It needs to be off. I attached XXXX document reporting this. 
Thank you
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

My name is not XXXX XXXX XXXX. My name is XXXX XXXX. I believe XX/XX/XXXX or XX/XX/XXXX my credit I do was stolen and ever since then I have seen the name XXXX XXXX XXXX. Which is incorrect
Consumer complaint received 2020-06-20
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. (ME)

Car crash on XX/XX/20 My insurance totaled vehicle and paid XXXX what the cars market value was. They have made delinquency and late payments. They have not responded myself, call me back when leaving messages or ever answering and giving the paper work needed by my insurer for months. 

I have been negatively affected by XXXX and this is not ethical to make me and my credit suffer. 


My comany Insurance has gap. XXXX  has been reluctant to speak and resolve this and allow my insurance company to pay the remaining balance of what is owed.

They have not reported to any Credit reporting agency the vue of payments made. 

They have made false reports on their own recongnisense.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX should not be allowed to be on my credit report. They have changed their story so many times and Equifax should know this because they purposely reported a false address and Equifax let them change it knowing full well I have told them the account is fradulent. I am also including the last statement XXXX XXXX XXXX sent me showing an account balance of {$0.00} and XXXX XXXX XXXX has also claimed that they filed a XXXX for the account meaning they have canceled the debt and illegally made me claim it as misc income. In the case XXXX XXXX held in Tennessee, a judge has said that if a company files a XXXX on someone then they are in fact giving up their rights to collect on the debt since a person is being charged taxes on the amount. XXXX XXXX XXXX is another thing that should not be showing on my credit report, not only did Equifax claim it was not on my report, this account is also fradulent. By XXXX own representative 's statement, XXXX was in control of the account the entire time and that is why their representative does not have a record of the settlement on file. The representative also claims that the settlement agreement was done with XXXX and per the settlement agreement, that I have sent Equifax multiple times, this debt can not be collected on, no matter if XXXX thinks it is mine or not. Lastly, XXXX XXXX is also a fradulent account. I do not have any bills or documentation but I will send a picture of my wedding ring, the only jewelry I own and send it to the bank and ask them if that is the jewelry, if not then they need to be removed from my report. With all this information I have presented you and sent Equifax a certified letter, if they keep backing the illegal activities of these banks then I will name Equifax in my lawsuit as soon as the 30 day window is up. Equifax is required by law to block any false information or fradulent accounts and they have refused to do so. I know I will have no issue wining and Equifax will be held accountable.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OK)

I have repeatedly disputed false inquiries on my credit report with Equifax while sending proof that the original creditors either have no record of my inquiry or that I have received no response from the original creditor. After numerous calls and escalations Equifax has failed to remove these false inquires. Please uphold them to their jobs.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I sent a certified letter to Equifax. That tracking number is XXXX. Post office confirmed receipt of letter XX/XX/XXXX. In that letter I disputed the following accounts. 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 and XXXX. On XX/XX/XXXX, Equifax contacted me with confirmation number XXXX stating that my investigation was complete. However, the only accounts they returned alleged verification for was for the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I contacted Equifax in regards to the accounts they stated were verified as I wanted to know how could they verify accounts that the creditor has not yet verified to me. I assumed because the other accounts were not listed in their response, that they were found to be unverified as they are. I spoke with representative " XXXX '', who would not give me her last name, who confirmed Equifax had received my original dispute but had failed to investigate those accounts. According to the fair credit reporting agency, they must verify inaccurate information in a timely manner. Equifax has failed to investigate these outstanding accounts and in fact have completed the investigation without even attempting to verify these accounts. I will upload these documents as proof that they did not investigate as they were obligated too
Consumer complaint received 2016-07-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

I received a call from LoanCare LLC, who just assumed my mortgage less than 30 days ago, and they claimed that my debt was overdue. When pressed, she finally relented and said I have 60 days to pay without penalty and then attempt to get my personal financial information in order to avoid incurring fees.
Consumer complaint received 2017-10-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO. (SC)

At the start of my first lease through XXXX XXXX, the sales manager who guided me through the process gave me a few pieces of information that I later learned were untrue : ( 1 ) " There is no leasing company. '' I clarified by asking whether this meant that all their leases were internal, and he confirmed that they were. They 're not.
( 2 ) " You 'll never need to buy tires for this car. '' He told me this as he was handing me the coupon book for my maintenance agreement. You can imagine my surprise when I brought the car in a couple years later with worn out tires and discovered that they were charging me for the new ones.
( 3 ) " Overage miles are {$0.00} per mile, but you only pay that if you walk away. If you sign up for a new lease, they usually waive that for you. '' He went on to talk me into upgrading to XXXX, to cover any repairs that might be needed. " Do you plan to keep leasing? '' he asked. Then with XXXX, he explained, I would n't have to worry about any fees at the end of my lease. 

The first two times I learned that what XXXX told me was wrong, I let it go, willing to assume that he meant well and must have been mistaken. But, each " mistake '' has been significantly more expensive than the last. The overage fees came up two days after I 'd upgraded to a new lease ( XX/XX/XXXX ). The salesman for this new lease ( not XXXX ) texted me ( on XX/XX/XXXX ) and told me that " the new car deal is n't complete without closing out the old car, '' which meant paying overage fees and wear and tear, which XXXX 's employee, XXXX, had specifically told me not to worry about. This new salesman pressured me to pay these fees within the next couple of days, even though I had not yet received the inspection report detailing what repairs the wear and care fees included. 

I went up the chain and ended up talking with XXXX XXXX ( who I was later told was the owner ) the next day ( XX/XX/XXXX ). I explained that their salesman had put me in a bind by setting me up to be completely shocked by thousands of dollars in charges. He was completely unapologetic and unwilling to take responsibility for his employee 's XXXX up. I even offered to meet him halfway on these fees and split the costs with XX/XX/XXXX. He refused, saying that he would be " generous '' enough to pay one-quarter. 

I told XXXX that I could n't afford that much on such short notice. I added that the salesman on the new lease had let me know that the deal was not finalized until these fees were paid, and that I did not want to move forward under these terms : I told him to stop the deal. The next day XXXX called me back and told me that the deal had been finalized.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (WA)

I have disputed XXXX different XXXX accounts with Equifax asking that the collection company prove the following : Right to collect Verification of debt through a 1st Party on not a 3rd party online system Original promise to pay with Signature Equifax is not actually investigating this they keep sending the same records of previous statements to me accepting those as proof of the verification. This does not prove that they have the legal right to collect or that the account is accurate, or its originality. This is not the proof of verification that is requested. XXXX has already deleted these items because they were not able to verify as the law states that they must. 
Equifax will not fix this and I do not have the funds to hire a lawyer to make them do what they are suppose to.
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

I graduated from XXXX XXXX 2015 Navient was after me the entire time for payments while i was a student im sure the interest was piling up ... .i contacted them sent in payment stubs and gave my info to get on the income driven repayment plan ... .they said it would be {$0.00} but said if anything change let them know ... .they still sent emails to me saying payments were due even though i was suppose to be on this plan ... .now im in default and i was suppose to be on that plan ... .i did what they ask now i cant qualify for any grants because of this default and i want to return to school ... .i thought as long as you were a student you didnt have to make student loan payments ... .what do i do i got a lot of emails from them with all kinds of different payment amounts that were due ... .i tried attaching them but no luck give me an address and i will happily print them out and mail them or fax them in
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (UT)

In XXXX 2015 I applied for a mortgage. This mortgage company ran my credit multiple times resulting in several " Inquiries '' on my reports with all XXXX major credit bureaus. Same thing happened with a car dealership they ran my credit XXXX times with in 2 days resulting in XXXX " inquiries '' on my report.
Consumer complaint received 2015-11-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, 2015, and by certified mail, as noted above to the XXXX major credit reporting agencies, and as documented via uploaded signed certified receipt green card, with my complaint. As per the Fair Credit Reporting Laws, the XXXX listed credit reporting agencies failed to respond within thirty ( 30 ) days. Credit Agencies have listed the account with account number XXXX. The account number is NOT 100 % correct, by law if the information is not 100 % correct namely the account #. IT MUST BE REMOVED!