davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have been a victim of identity theft since 2014, my social security has been misused on several occasions which has been disputed for quite some time now, about 2 years, I filled a police report with City of XXXX XXXX and also I am employed with XXXX whom also issued a condolence letter offering support and free credit monitoring with all clear due to a breach with several employers social security number being misused, I have been a victim of fraud for several years and yet the disputed items that I have been disputing for several years which I refuse to pay because they are not my accounts remain on my report, I would like a response on this matter which has been affecting my credit report and score, I have just found out about this information which I am filing a report for immediate response, there are also several inquiries that have been disputed that does not belong to me and I never gave authorization to run my credit, this has affected my life tremendously and an investigation should be open immediately on this matter. If additional information is needed or proof of reports from the police department and homeland security please advise.. sincerely XXXX XXXX XXXX , supported documents uploaded
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I 'm just not sure Seterus really understands my position in their claiming to be the new servicer of my loan. 1 ) I have not received notification or any communication from the owner of the loan which to me provided the proper 'authorization ' to then begin working with me ... 2 ) Because of # 1, Seterus continues to do nothing but harass me because of 3 ) I have notified Seterus that the information they have is incorrect and if they look closely, they can get a sense of what I am stating is true. a ) I have stated XXXX had my insurance information and it 's all documented with the CFPB, would one really lie about 'documentation ' when obviously that whole point in stating that is because it can be pulled up ...??? b ) I have mentioned the balance otherwise being incorrect partly because XXXX was not applying payments properly. Obviously Seterus has my payment history and clearly they can see payments were being made twice a month but only posted later in the month and common sense tells you I was paying like that for a reason and that reason which is very common in mortgages is to pay the loan down more quickly, not to give the bank money ahead of time for them to use as they wish ... c ) the balance also was not correct due to some fees that were charged and Seterus can see those fees in those records as well. 

It 's not up to me to have Seterus be judge and jury ( they asked for all this documentation ), it is for XXXX and XXXX to work this out but XXXX XXXX XXXX has refused to look at the history of my correspondence even though I 've told them numerous times exactly when the insurance information was provided ... I 've tried to contact Fannie Mae and no response from them. Based on this, Seterus needs to tell someone that these issues need to be worked out before resuming with this account. At this point it 's a bad account and for no other reason than that Seterus does not have the correct information, Seterus seemingly refuses to accept the information is wrong but at least in my opinion Seterus is digging a pretty deep hole by continuing to harass me and threatening foreclosure ...
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I am filing 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 the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, 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. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (TX)

I applied for a private loan to attend XXXX XXXX College. Started school XX/XX/2016 and tbe school closed down on XX/XX/XXXX. We showed up Monday XX/XX/2016 to find notices on the door. My lender kept giving me the run around on discharging my loans stating the school would find a teach out program. I have attempted to call several times. I have also been told please call at a later time as they are gathering concrete information from XXXX XXXX XXXX of XXXX XXXX TX. I was also advised XXXX actual lender was waiting to hear if we were offered a teach out. The teach out is through a University and they are not dealing with any private lenders. I feel this is unfair that we have to pay for a loan that we did not het an education ln due to school closure. 
I have this private loan with UAS loans for {$5000.00}
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP (TX)

Company, Republic Finance, h as  left 7 voice mai ls on my cell phone since  XX/XX/2017   .     Calls have originated from several different  # s, s ome from the 'call-back ' number left in the message, others from a number where the  last two digits may dif fer from the call-back number,  XXXX  They are looking for someone named "  XXXX  '' ( spelling is a guess, being pronounced as sounding like   XXXX   XXXX  .     There is no one at that name here. I do not know anyone by that name, and have had this phone #,  XXXX , for over 10 years.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

I have contacte d PNC Mo rtgage several times since  XXXX   XXXX  when I received my tax reassessment to hand le my county tax bill as w ell as complete a new escrow analysis to adjust my monthly payments to the correct amount. I have escalated several time, and have received no follow up. I have been promised that the analysis would be completed, but it is still under research - even though the new assessment value has been available  on the county web site for several months. My tax bill is now due, and it has not been paid. I ca n't speak to a human in the tax department to discuss my issue since they dont talk to customers - and the customer service area has not been able to communicate appropriately to resolve my issue. this has not been resolved and needs to be fixed. If i could refinance to another company without losing sev eral thousand dollars  - it would be done. I would like PNC to pay my tax bill, and complete the analysis promised so my bills can be correct. I 'd also like a follow up to occur to tell me the current status of my issue, when the tax bill will be paid, when the analysis will be completed, and when i can expect final resolution. Terrible customer experience, no action taken to resolve a tax matter, no urgency to help a customer, no ability to talk to the area that can help. Awful all around.
Consumer complaint received 2017-01-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We submitted documentation requesting a modification for several months due to a financial hardship. The company Nationstar continue to say documents are needed after documents were sent several times. It is a burden and very frustrating to comply with the systems request of documents and they fail to process them.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

This is not a duplicate dispute : I filed a proper dispute with Equifax about XXXX ( XXXX ) reported judgments that were never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I originally disputed these XXXX ( XXXX ) judgments with Equifax on XXXX XXXX, 2015. My dispute results are dated XXXX/XXXX/15 where Equifax states that the results for the judgments have been updated to " Satisfied/Released '' for both. I filed a second dispute with Equifax on XXXX/XXXX/15 through the CFPB stating that I was not satisfied with Equifax 's initial investigation into my case and I would like a re-investigation to be done. My second dispute results done through the CFPB where dated XXXX/XXXX/15 and where stated as follows : XXXX judgment Status - " Pending ; Satisfied '' and the other judgment Status - " Satisfied ''. The results were changed from the original dispute. But not removed from my credit file. 
I have checked with my XXXX County Texas Clerk of Courts office, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me. In my dispute letter, I asked Equifax to provide a Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the Clerk of Court has in no way verified the " existence '' of a recorded document. Therefor, I have gone to the XXXX County Texas clerks office my self and have acquired the proper paperwork as proof stating, signed and stamped with signatures a record search was done by the clerks office for me on XXXX/XXXX/15 with " no judgments '' of any kind found associated in my name. The record search paperwork from the Clerk office is attached. 

It is clear that Equifax has in no way properly investigated this matter within three ( 3 ) short days that it took to read my dispute letter and update my credit file with incorrect information. 

Please note, The XXXX County Texas Clerk of Circuit Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc. ) for XXXX County Texas. Attached is a printout of the public records system that XXXX County Texas uses to record these documents. Note that this is NOT a list of case files, but actual public records with recorded instrument numbers. 

I have also included the website link to the XXXX County Texas website which shows that this website can be used to search XXXX County Texas public records ( collincountytx.gov ) and is a valid source to find these documents. This list shows all of the public records that exist in my name in XXXX County Texas, none of which are these XXXX ( XXXX ) judgments being reported in my credit file. I have also included the letter originally sent to Equifax with the original disputed judgments listed. Please have these XXXX ( XXXX ) judgments removed from my credit report.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

Re : Equifax. While they raised my credit report to XXXX, I disputed information. One dispute remained on my credit report and one was corrected to a " zero '' balance ; however, they changed my " grade '' on " type of credit '' from A to B and then lowered my credit report. The information should have raised my credit score not lowered. It is a systematic way of keeping your credit score lowered even though it does not warrant it.
Consumer complaint received 2015-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (KY)

XXXX XXXX XXXX, has placed XXXX different collections on all my credit reporting bureaus. There are XXXX different amounts, XXXX for {$290.00} and XXXX for {$170.00}. I have called XXXX XXXX XXXX several times to find out what the bill is for, no one can provide me any information on why this is happening. This has been going on for over two years now. They place it with a collection company, I ask for validation, its removed, then then two months later, its with a new collection company with new dates.
Consumer complaint received 2016-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergys (NM)

I was recently assigned a phone number on a new line of service. 
This line is receiving more then 6 calls per 24 hour period, including calls outside of reasonable hours. All calls are from the same incoming telephone number. 
I have called the collector back and advised that this is a newly assigned telephone number, and I am not the person they are attempting to reach. 
The company refused to identify what company they are, and has continued to call after my request that they discontinue and are reaching the wrong person.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

Chase B ank USA N is repeat edly accepting fraudulent applications for credit cards in my name. Each time Chase Bank accepts a fraudulent application they run a credit card inquiry through  XXXX . Each time they make an inquiry based on the fraudulent application m y credit score g oes down. I have asked them to not accept any more fraudulent applications with my identifiers and asked that they not make any more inquiries on my credit through any reporting agencies. They politely declined my request. I have fraud alerts with all of the reporting agencies but that does not keep Chase Bank from making inquiries.
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

On XXXX/XXXX/2015 I wrote both Equifax and XXXX a letter requesting a removal of an unauthorized hard inquiry on my Equifax credit report. The letter sent to XXXX was returned as undeliverable from the US Post Office ( this was the same address listed on my Equifax credit report ). Equifax responded on XXXX/XXXX/2015 directing me to contact XXXX directly. After a complaint was submitted via the CFPB on XXXX/XXXX/2015, they responded today ( XXXX/XXXX/2015 ) again stating that I need to contact XXXX directly.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I disputed this account with Equifax before, I do n't understand when you point out clear evidence of the account being wrong they still what to report it. And tell you they need to do a 30 - 45 days for and account that is clearly wrong. Has not clear payment history and reporting Delinquency twice on the same account with two different days. The correct date is at the bottom of the page of the page XX/XX/XXXX. The payment history clearly shows it when it when to collection. Then also shows when I made the last payment making it XXXX balance as it is being reported. But out of no where the have a another date making it appear that the Major Delinquency is reported last year XX/XX/XXXX. This has hurt me in getting fund because it appeared to be recent. I tried to tell the lender that but they said there is no clear payment history when it started because they put NR all over my payment history making it unclear when anything happen. I called Equifax to show them the clear error of reporting two different days of delinquency and how it is effecting me getting credit. I ask to to remove this clear error and do investoring before they can put it back on my credit report because why should I suffer when someone else makes a clear mistake. I am looking for funding for my business and things like this can take my out of business. It is not fair when reporting agency see clear errors and refuse to remove them until they are probably fixed. When I did a investigating with Equifax in the past they took XXXX points off making my score to low to get funding until the investigating is done. This is like blaming me for standing up for my rights to fix my account and making me suffer for 30 - 45 days until they finish investigating. My score should not be affected until the final update is finish. Why should I suffer for and error that Equifax should not aloud to report. No clear payment history and two different delinquency dates. I spoke to a supervisor and they said they can not do nothing but file a dispute when this account should be illegal. It is clearing wrong. XXXX Account XXXX.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

There are HARD inquiries being reported from the following companies on my credit and Equifax is refusing to remove them even after I called the companies and they advised they had no information on me or any inquiries. My information was used without my authorization. 
Companies : The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Consumer complaint received 2016-05-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northland Group Inc (AZ)

I came to an agreement with the collection company on settling my debt. After receiving an offer letter and fully paid letter from the collection company, I still have not received any communication from the original debtor, which in this case is XXXX. It has been over 2 months since the debt was " settled ''.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

The credit reporting company posted a debt to my credit report, that is not mines. The company did not even give me a letter about debt prior to posting to credit report. 

Letter dated XX/XX/XXXX but posted on my credit report on XX/XX/XXXX. I plan on suing this company as well. 

I have also filed a complaint with the Attorney General of Florida. 

The Fair Credit Billing Act ( FCBA ) provides guidelines for both consumers and creditors including procedures to manage disputes regarding billing statements. In addition, any interest accrued on the billing error has to be dropped if your claim is confirmed.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I initiated a dispute with Equifax last year to challenge some inaccurate and unverifiable information on my credit report. At the same time I contacted the creditors in question per my right under the FCRA. I have received no response from the creditors and the credit bureau has stated that they verified the accuracy. I have requested in XXXX separate letters the " verification of procedures '' on how they contacted and verified these accounts in question. They have failed to provide this to me in writing. The issue I 'm having is that if the creditor supposedly verified with the credit bureau then why did they not verify with me, the alleged debtor. 

Equifax has failed to comply with the federal laws in place to protect consumers from inaccurate or false reporting. This lack of due process and disregard for the federal mandate has placed a burden on my credit report and my family 's future. 

Please assist because I have no other way to turn, my next option is to hire a civil attorney. 

Thank you, ** all documents sent are provided in the document upload section on this complaint **
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

I have disputed fraudulent personal information with Equifax XXXX different times. I have a fraud alert on all my credit files. There are XXXX addresses where the fraud was perpetrated. I have filed an affidavit with FTC. XXXX deleted the fraudulent addresses immediately after my dispute and never re-entered them. Equifax keeps sending me notices that the disputed addresses have been deleted, but the updated credit report they attach still includes the fraudulent addresses on them. Not just that, results of some of my other disputed information along with my credit report and all personal information were mailed to the fraudulent addresses according to the dispute results summary. I demand Equifax has an actual person review and delete the fraudulent personal information from my file. At this point, Equifax is criminally liable for disseminating my personal information to unknown sources and perpetrating additional fraud with my name and social security number.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MA)

I have written and contacted Equifax so many times, and their most recent XXXX involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX was paid 2 years ago but Equifax is reporting CO XX/XX/2016 where this account is paid years ago. Please see the attached screenshot. 

XXXX XXXX XXXX XXXX XXXX XXXX is also a paid account but EFX is reporting CO XX/XX/XXXX. This account is paid years ago and there is no new activity like you can see in the screenshot that how other credit reporting agencies are reporting the same account. 

XXXX XXXX XXXX XXXX XXXX is account which was paid 5 years ago but Equifax started reporting CO XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. 

I am disputing this incorrect reporting but Equifax is not correcting this issue and reporting CO in the current month every month on closed and paid accounts.