davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I pulled a tri-merged credit report and all the bureaus report a debt from XXXX XXXX XXXX a collection company on behalf of XXXX XXXX for {$430.00}. I do not recognize this debt and want verification. I was unable to dispute this debt online directly with the bureaus. I tried to obtained a copy of my reports directly with each report agency and have not been successful.
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

Our mortgage was sold to Seterus Inc . Shortly before we filed Chapter XXXX Bankruptcy. From the time it was sold, we have had a very difficult time getting any information regarding our loan. Immediately upon filing Chapter XXXX XX/XX/XXXX, our XXXX sent over authorization ( as requested by Seterus Inc. ) so they could speak to us regarding our account. It has been over 4 years and our Lawyer 's office has sent the required paperwork for them to discuss our account and send us the necessary documents so that we can continue making payments on our account numerous times. It has been sent to the addresses and fax numbers requested, yet every time it never " shows up in their system ''. We are expected to send payments with little to no information of our account status or amount actually due! On XX/XX/XXXX another letter was sent to the number provided by the Bankruptcy department, and they claim it still was not received. We faxed the letter to them directly today, and now are being advised that they have no way to verify they received the fax. They also claim to have no one to call to check to see if the faxes have been received after having to deal with this for several years. It is extremely difficult to maintain an account in which we have little to no access, except being told to send a payment! The fax numbers we have sent the letters to are XXXX, and XXXX. Both have been verified as correct fax numbers, yet paperwork is never received and there is no one we can contact to verify a fax comes through.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

On my equifax credit report it states in the status section that my XXXX account is a charge off. I paid this card off in XXXX 2014. It has been reporting incorrectly since I paid off the card. I have called finger hut and they do not know why it is being reported incorrectly. The status is not a charge off. This was paid off.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TN)

After numerous attempts to have XXXX paid medical collections removed from my Equifax credit report due to FCRA violation XXXX XXXX XXXX Equifax is reporting the hospital in which my medical treatment was rendered. This is a violation of my protection. Equifax failed to provide me with documents proving I allow my medical records to be shared with the collection agency currently listed as the holder of the accounts. Being that Equifax is no longer allowed to request information on the accounts because the accounts are all paid, I have asked Equifax to remove this account from my credit report due to the violation. They have refused to do so. These accounts are not reporting on XXXX or XXXX. I am submitting a compliant to the CFPB to assist me with this matter.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

I still do no understand how EQ keeps coming to the conclusion that these public records need to stay on my credit report for 7 years when XXXX and XXXX have deleted both of them! What laws and rules do they use that bring them to this conclusion? Their dispute results say that they " verified '' this information with the courts, but when I emailed the court in regards to CRA reporting, they do NOT handle any of this at the court level. So who are they " verifying '' this information with? You claimed that you verified this and told me to contact the furnisher. You claim that the court furnished and verified the information. I did as instructed and they informed me that they neither furnished the information nor verified the information. They are the only ones qualified to make a verification regarding this alleged public records and they did not verify. You are allowing slander on my credit report. Verification according to XXXX Law Dictionary is ... averment that the party pleading is ready to establish the truth of what he has set forth ... .the examination of a writing for purpose of ascertaining the truth ; or a certificate or affidavit that it is true. So this means verifying information is sworn testimony and must be first hand knowledge. A clerk of courts , county recorder or XXXX XXXX does n't have firsthand knowledge. If someone verifies but does n't have firsthand knowledge then its not verification, its hearsay and hearsay is inadmissible and the court says is incompetent. Reference FRCA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) The court and all entities such as the recorders office have not been given authorization by me, nor was there a court order to verify to furnish any information my credit report. What you are doing seems very illegal and shady. You should be trying to help a consumer who is working so hard to repair their credit!
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

Potential lenders advise they are unable to pull my Equifax credit report. I have called Equifax and they advised me there is no issue on their end and I need to work with the Lenders. However, a variety of Lenders are unable to access my file so the issue is clearly with Equifax.
Consumer complaint received 2017-01-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

My mortgage was transferred to Seterus Loan Servicing in XX/XX/2016, I have received only one statement that does not give clear explanation how the payments applied or how fees added to account, I have requested my statements so far nothing. I just received a notice of debt dated XX/XX/2016 it 's very vague, the itemization amounts do n't match, it 's very vague, it has transferred balance {$280000.00} differed balance {$620.00}, current balance {$210000.00}, interest {$2400.00}, late fees {$160.00}, inspections {$30.00}, valuation cost {$85.00}, total current {$280000.00}. I sent them a letter for explanation so far I not received a response. If my current principal is {$210000.00} plus deferred {$620.00} the total balance owe should not be {$280000.00}. With that said I need them to honor the current balance and the deferred payment wish comes to a total of {$210000.00}
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

On XX/XX/2016, a fraudulent attempt to open a XXXX card in my name occured. It resulted in a hard pull. XXXX has sent a letter ( dated XX/XX/2016 ) to all XXXX credit bureaus to remove the hard pull. Equifax is the only remaining credit bureau to have not remove it ( numerous confirmation numbers with no result ).
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (NC)

Opened arrival plus account back in XX/XX/XXXX with XXXX score and XXXX figure income I was originally given a XXXX limit which I could n't understand so I asked for XXXX. I was declined for the XXXX so I apped for XXXX more Barclay cards both were approved for XXXX a piece. After using arrival plus for couple weeks I received a call stating a needed to go into bank and do a cash advance in order to verify my identity which was done on XXXX since then I have had maybe XXXX security verifications done asking public record information which I have always been able to provide without issue I added Au to my account and there was a security freeze placed. I asked to speak to supervisor and the csr have refused to put a sup on line and now have frozen my account until I MAIL in my ID front and back is this not XX/XX/XXXX XXXX near XXXX why is it that they will not accept email or fax yet they can accept over XXXX in payments? I am beyond frustrated with the back and forth with them! They made me do cash advance to verify my identity and I was charged {$50.00} I want a refund and investigation of why I have been mislead and mistreated
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (FL)

XXXX   XXXX   XXXX   Received e-mail notification from : FedLoan Servicing   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  regarding servicer message Account # :  XXXX , which stated : " As part of the Pay As You Earn  ( PAYE ) p lan, you are required to recertify annually, even if your income or family size has not changed. We needed this updated information to recalculate your monthly payment based on your income and family size.   Since we did not receive your complete annual documentation, your new payment amount is not based on your income and family size ; however, your loans will remain on the Pay As You Earn ( PAYE ) plan. Your new monthly payment of {$360.00} is first due on  XX/XX/XXXX .   If you want to have your payment amount recalculated based on your income and family size, apply online '' A message was in my inbox on   XXXX   XXXX   XXXX   but I had not received an e-mail notification, the message stated I would need to recertify by   XXXX   XXXX   XXXX   but the deadline had already passed ( before I had been e-mailed by the servicer ).   On   XXXX   XXXX   XXXX   I completed and submitted my recertification forms, and included my  XXXX  tax form copies, but I received a response it was incomplete and to please resubmit/ On   XXXX   XXXX   XXXX  , I resubmitted recertification forms, but included my most recent pay-stub from my employer.   I received notice from the servicer that my forms had been received and that I would receive a response within  10  business days.   Today is   XXXX   XXXX   and my checking account has been debited {$360.00}, which I can not afford ( I had been approved for a PAYE plan of $  XXXX  month  ). I have not yet received a response from my servicer regarding my latest recertification submission.   I have attempted for several days to postpone payments or stop the debits from my account ( through an option on the servicer 's website ), but I receive a message that I can not postpone the payment at this time, and that I can not delete my checking account from the servicer website without first putting another account from which debits can be made. I can not afford {$360.00}, and I will not be able to afford more than $  XXXX /month for the foreseeable future as my wages are not likely to increase, at my present job as an  XXXX  in a state college system -- and in fact -- I am lucky to have a job at all, since there are pending reductions in the state college system in Florida.     Please help -- I can not pay another month at this rate or I will go bankrupt.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I found out that there were XXXX additional names being reported on my credit. ( XXXX mortgages,XXXX auto loans and $ XXXX in debt - NONE of which are mine ). I was unable to access online information, since the security questions did not pertain to me so I faxed a dispute ( XXXX different times ). I have not received any information regarding this issue and names and accounts are still on there. I really have no idea where to go from here! I am looking to purchase my first home, but with my credit in the state it is currently in, this is not an option. Someone please help!
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I disputed the following collection accounts below directly with Equifax twice and with XXXX XXXX XXXX. All three times, my disputes were ignored and a proper investigation was not complete. This leads me to believe the accounts are not mine. I even submitted this same dispute to XXXX and the accounts were deleted no problem and attached a copy of them being deleted from XXXX as proof. I also included my dispute letters to Equifax and to XXXX. 

XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX ....
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My checking account in Chase had an unauthorized withdrawal of {$2000.00} on XXXX.It was an over state withdrawal since it occurred in Colorado but I lived in Texas and did not travel there. I called Chase 5-6 times and went to a local branch 5 times since no one from chase followed the fraudulent and provided any guidance what I need to do. Everytime I called in to check the status they will tell you they need a new item. So in order to change account number, submit the forgery packet, driver license copy and police report, I went a local branch 5 times. After 13 days waiting, I finally got my {$2000.00} back. But the worst thing is although I changed account number, on XX/XX/, exactly same thing happened again in my chase account. My account was withdrawn another {$1900.00}. Only difference is this time the withdrawal was in New York. I already filed a claim and reported to police, but I was so disappointed that chase did not do anything to improve the security level of my account since they already know I am a victim of identity theft and it is a cross state withdrawal again. Looks no fraud detection model is running in the branches and the fraudulent detection training to the front desk employees is very lacked.
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: AFNI INC. (OR)

I cancelled a contract that dish network forged my signature on. They say I owe them money, but I do n't. Anfi started calling me last month. I sent them an e-mail on XX/XX/XXXX telling them to stop. They did for awhile, but now they started to call again. I am going to sue dish in court very soon and this will be settled there.
Consumer complaint received 2015-09-18
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (CA)

My husband lost his job in XX/XX/XXXX leaving my income as the only source for paying bills. It has become hard juggling rent, food, creditors and other debts. We contacted Barclay with our situation. With each month we are charged a late fee and over the limit fee. Each time we are told we must pay the minimum passed due amount, which has been difficult on our limited income. With fees mounting our monthly due is skyrocketing and growing out of control. We feel like even when he finds employment we will never be able to catch up and our credit will be ruined.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

I told all XXXX agencies that the all credit inquiries were re-put on my accounts. They did not inform me within 5 days of reinsertion that they are adding anything to my report and since they all failed to notify me. They all violated my rights under the FCRA Section 611 laws.
Consumer complaint received 2015-06-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SYNCHRONY FINANCIAL (LA)

I received a phone call from XXXX XXXX XXXX on XXXX XXXX,2015 and the representative stated I had an account with Old Navy and the balance is {$1000.00}. The representative stated the original balance was {$350.00}, but with court cost and fees the balance is now {$1000.00}. The representative stated I would need to pay settlement balance in full of {$300.00} in 10 days or I will be subject to arrest or property seized. I immediately hung the phone up on the representative. XXXX XXXX XXXX called my phone back to back, but I did not answer.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (MI)

I opened a Walmart credit card account with GE Capital Retail bank ( now Synchrony Bank ) in XXXX, of XXXX. I lost my job in XXXX and fell behind and was unable to make payments. I worked it out with Synchrony by going on a payment plan to get the account paid and closed. The representative said that as soon as the payment plan was completed that the account would report as " paid in full '' and they would remove the late payments from my credit report. 

XXXX shows " pays as agreed ''. XXXX shows both " Payment after charge off/collection '', and " Settled-less than full balance '', and XXXX shows " Account Paid In Full For Less Than The Full Balance '', and they are also still reporting all of my late payments after the representative specifically said that they would remove. I do n't understand how they removed them from XXXX and XXXX but not from XXXX. 

I have attached a copy of XXXX XXXX credit report pulled on XXXX/XXXX/XXXX for your records, so you can see the erroneous and inaccurate reporting. 

Due to the erroneous and inconsistent reporting across the XXXX credit bureaus, I am requesting that this trade line is removed from my credit reports, or is updated to " paid in full '' and all late charges are removed.
Consumer complaint received 2016-05-16
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (CA)

I deposited a convenience check to my personal checking account in the amount of {$4000.00} from my Salliemae Mastercard on XXXX/XXXX/16. The check was returned on XXXX/XXXX/16. I have not received a credit to my Salliemae Mastercard to date. The sequence of events is below. 

XXXX/XXXX/16 -- Received Balance Transfer Checks with promotional APR that specifically stated that the transactions must post by XXXX XXXX to : Transfer balances from other card Finance home improvements or renovations Write a check to yourself XXXX/XXXX/16 Contacted XXXX ( Sallie Mae/payable through Barclays Bank Delaware ) to verify credit limits and terms if I wrote a check to myself. 
XXXX/XXXX/16 Deposited check # XXXX for {$4000.00} into my personal checking account at XXXX ( XXXX XXXX XXXX ). There were no holds placed on the deposit. 
XXXX/XXXX/16 Check was returned as " not authorized '' ; {$12.00} total returned check fees were assessed XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; stated that the check had cleared and that I needed to address the issue with XXXX. 
XXXX/XXXX/16 Received legal copy of the returned check from XXXX. 
XXXX/XXXX/16 Contacted XXXX -- XXXX ID created XXXX. Transferred to XXXX. XXXX at XXXX ; Continued to maintain that the issue was with XXXX XXXX/XXXX/16 Contacted XXXX ; Told that the case was closed and that I would receive a copy of the check from Barclays within the next week. 
XXXX/XXXX/16 Received copy of the check from Barclays and took it to the XXXX ( XXXX XXXX XXXX ). Contacted XXXX XXXX at Barclays ; suggested that I fax or email the legal copy of the returned check from XXXX. Successful transmission via fax at XXXX at XXXX. 
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; potential review/reopen of case for adjustments to be applied on XXXX/XXXX/16 XXXX/XXXX/16 Went to the XXXX XXXX XXXX for XXXX XXXX where Branch Manager, XXXX XXXX with my permission spoke with XXXX XXXX at Barclays. XXXX reversed the returned check fee of {$12.00} and asked to redeposit the check. We were told that was not an option but that the credit to my card would be expedited. The ref # XXXX XXXX/XXXX/16 Payment made to Barclaycard of {$200.00} including {$4000.00} withdrawal, {$160.00} cash advance fee, {$94.00} in interest. 
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; notated that the information had been sent to the appropriate department but that he would " expedite '' it. 
XXXX/XXXX/16 Received new Sallie Mae Mastercard statement without credit with a payment due XXXX/XXXX/2016. 
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays : stated that a letter had been sent to my attention on XXXX/XXXX/16. Stated that she needed to contact settlement department. No resolution notated on my file.
Consumer complaint received 2015-03-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (MI)

G.E Capital Care sold the account according to them to Synchrony Bank in XXXX FL., which lists XXXX numbers XXXX or XXXX when I called they said the account had doubled from XXXX to XXXX dollars, and suggested that I contact another offsite agency that handled charge offs. I told them I was going to come to you and they said submit a letter in writing and mail to XXXX FL, attn. '' Dispute Department.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I have private loans and government loans with my private loans they help me out and getting a lower payment rate so I am able to pay them which I have been on top of them since I started with Navien it they have never been able to work with me in regards to my repayment after I let them know how many student loans I have had I 've offered to pay but at a lower cost just because the interest rate and the amount I owe has been so difficult for me financially with family and they are not able to help me in any certain way every time you call they see if there are no options and that 's the only thing we can do I always offered to pay just a lower rate just so I 'm able to pay something versus pay nothing and they adamantly say no.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

Contacted Collection Agency Was Told To File Complaint With Credit Reporting Agency. Filed Complaint.Was told It was Mine No documentation Contacted XXXX XXXX Wanted Me to furnish State ID and SS Card This is fraud Did Not feel comfortable Sending Personal Information to them.