davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OH)

I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and Equifax has not only been equivocal, they have not provided the requested and sanctioned documentation required by law, nor have they amended the information, in reference to the following accounts since last contact. 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 XXXX XXXXPlease be advised that this is not a refusal to pay the debt, but a distinguish sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a specified compulsion, which is binding on me to wage this debt. This is NOT a request for " validation '' via XXXX or evidence of my mailing address, but a mandate for AUTHENTICATION made pursuant to my Clear-cut name Date of Birth Social Security Number and correct address current accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with instantaneous validity. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any mistaken reports of these as mine. Please proof your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this apparent matter. What is your agreement of law for your collecting of intelligence? What is your authorization of law for your collection of this believed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my autograph or authorization.
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (FL)

On XX/XX/2017 I requested an increase to my XXXX account and was told by the credit department that they tried to pull an Equifax Report but where unable as there was a security block placed. I was quite shocked because I did n't authorize the block so I did n't know how to respond. I have requested both 1 ) a copy of my current report as I was declined by the XXXX and 2 ) a signed copy of the person or entity that authorized the security block.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have contacted XXXX after checking my credit report and saw a list of inquiries on my account that I did not authorized. I was informed by a rep there was nothing I could do but speak to those companies and after calling check one the advised I was not in their system. So I contacted XXXX and again was told I have to wait two years for them to fall off, I do not believe this is fair as they are not mines. I am listing the inquiries which I show on my account. It scares me to see this incorrect information and not getting any help, this is my personal information and affects my livelihood. 
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 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/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

I went online to get XXXX reports. I got XXXX. Then tried to get the other XXXX. Equifax asked security questions and none applied to me. I have been sick a few years but I know they did not apply. XXXX asked questions and the said I could not be verified. I knew one question was wrong. My complaint is that they want a copy of my driver 's license and a utility bill. I live partially with my daughter. I can not provide that. Is this a way to discriminate against older people with health problems? Just going to the post office for this is a chore. My delinquent debts are from a time in the past few years where it was either eat or pay a bill. I would like to get this straight but ca n't. I also think you should be better monitoring how these XXXX can contribute to ruined lives with impunity.
Consumer complaint received 2015-09-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

My mother 's house is being foreclosed on by a company called Seterus. The problem is that they are filing the action on an old deed of trust and naming myself in the action. I am NOT on the 2007 ( current ) loan or deed. They are going to ruin my credit by naming me and I AM NOT A PARTY TO THIS FORECLOSURE AT ALL!! They have also been harassing me with several phone calls a day but leaving no messages. They are not responding to my attempts to rectify their error. I can not have my credit ruined by these bandits. They have a right to foreclose but not on an old deed with my name on it! Please help!!
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NC)

There is an erroneous address listed on my credit report. I have lived in XXXX, MI but have never lived in XXXX XXXX, MI. Also, a search on XXXX will show that this XXXX XXXX address does not exist! This address needs to be removed from my credit report. thank you.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I submitted a credit inquiry dispute online for impermissible access to my credit report and asked Equifax to investigate & remove it from my credit file. Their response says the inquiry is a factual record of file access and suggested I write to the company that accessed my credit file at the address provided. I sent the letter via Priority mail, & it was returned to me undeliverable as the forwarding has expired. I contacted Equifax and spoke with 6 representatives who told me that they can not remove the record from my file. I told them that the company that pulled my credit report was closed by government action ( easily found online ). They told me to call their phone number to request that the inquiry be removed, even though the agent said they know the company XXXX XXXX XXXX XXXX was put out of business by government action for improper licensing, etc. The FCRA says that Equifax has the responsibilty to resolve this issue, and they refuse to abide by Federal Law.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I have been disputing XXXX XXXX XXXX for years now with Equifax. I have provided information explaining to them that this account XXXX acc:XXXX does n't not belong to me. I told them everything the had my birthday wrong, my address wrong and XXXX other accounts that was reporting incorrectly. They had removed them but told my to wait on XXXX sense it was getting ready to come off.No cause it 's not mine.I had clearly been a victim. Please help me.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

equifax reports XXXX XXXX XXXX # XXXX WITH A FALSE DOFD. 
THE CORRECT DOFD IS XX/XX/XXXX.XXXX BUREAUS HAVE A DIFFERENT FALSE DOFD AND RADICALLY DIFFERENT PAYMENT HISTORIES YET ALL HAVE BEEN RECENTLY " VERIFIED '' .WITH THE CORRECT DOFD TD BANK COULD BE REMOVED FROM MY REPORT NOW.
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (OH)

I was logged into EQUIFAX , disputing my credit report with EQIFAX, and the credit agency " timed '' me out after completing my dispute. I loggedin again and gave all my personal information and coincidentally, I wasblock by EQUIFAX , and was refused login. Additional information wasrequired for me to log in ( mail in a copy of my drivers License ) and Icould then dispute the issue. I believe that EQUIFAX , intentionally blockme from their site because of the nature of the complaint and thecompany that I am complaining about. Furthermore, I can not talk tocustomer service without having account with EQUIFAX.
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (AZ)

I have a security freeze on my credit report with Equifax. I have misplaced the PIN to lift the freeze, and would like a new PIN. I sent certified letters on XX/XX/XXXX and XX/XX/XXXX requesting a new PIN, and included copies of 2 forms of ID. The response to my first letter was a form letter stating they could not lift the security freeze without my PIN. The response to my second letter was a form letter stating they had updated my current address within the last 30 days. ( I have a copy of verification of the initial security freeze dated XX/XX/2014, and it includes the address they claim to have updated within the previous 30 days )
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my Equifax report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I have disputed the same XXXX ( XXXX ) derogatory entries with Equifax XXXX times and I have only received resolution to XXXX of the XXXX disputes. While taking 9 months of submitting the same proof over and over, ( which obviously was correct since Equifax finally removed XXXX of them ), I still have XXXX inaccuracy outstanding. Second, Equifax has breached my privacy by providing my statement and credit information to someone who is a complete stranger to me. Equifax has sent my credit report information to an address that I have never had on file nor lived at in my entire life. They have also attempted to bamboozle me and dupe the public by providing me and other innocent consumers an address for their corporate office for filing a dispute that is not accurate. I have pictures to prove they are handing out a wrong credit dispute address for their XXXX and to prove that they have mailed my personal information to someone else 's address and not any of my last XXXX addresses.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I have disputed XXXX accounts with Equifax for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Equifax has not removed these XXXX accounts for XXXX, XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against Equifax and the XXXX creditors in court. I am trying to avoid that as I am XXXX.
Consumer complaint received 2015-09-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I have a private loan through Navient. I signed up for a payment reduction plan that would allow me to make my payments and keep me out of delinquency. Navient explained once I was approved they would start removing {$360.00} from my bank account on a monthly basis. I was not approved for this plan and they proceeded to take the money out of my account without notifying me *they never notified me that I was not approved and that they would be taking the money out ). I do not have access to my Navient online account as it has been frozen and I do not know where the money is going or what it is paying off. I still do n't know what plan I am on because they wo n't give me access to my account. Every time I call, the collection manager, " XXXX '' threatens to sue me.
Consumer complaint received 2016-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

Law enforcement Systems is reporting each charge as a separate account. They have negatively affected my credit report by XXXX points. They have charged my credit report over 10 times! I know they are doing this to have maximum negative effect but please have them correct this. Also, I am disputing the amount of each toll violation. They are charging over {$100.00} for each violation. They are currently being sued under a class-action law suit for charging excessive fees. I am in the process of buying a home and I do n't want this to prevent me from getting a good interest rate. I am willing to pay fines but not {$100.00} for each toll violation which the original toll fee was only $ XXXX {$10.00}. This is a private company setting these fines for a government agency. Please have them reduce the fines to a reasonable amount and have them remove all these charges. Again, I am willing to pay the fines but not {$1000.00}. These practices are illegal and absolutely immoral, i ca n't understand how no federal agency has n't investigated this company. Also, since they have violated the FDCPA, i want them to pay for each violation, which is {$1000.00} each. Thanks! 

-XXXX
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

They keep stating that the information is what they received. I contacted XXXX and Equifax mortgage and they were supposed to remove these inquiries from EQUIFAX which are not authorizzed. I wrote previously : : : : : : : There are XXXX hard inquiries from XXXX dated XX/XX/XXXX and XX/XX/XXXX and neither are mine as I do not have an account nor have I ever used or applied XXXX service. I have reported to XXXX and EQUIFAX and they removed XXXX previous hard inquiries but these XXXX remain on my credit file. Also there are XXXX from EQUIFAX MORTGAGE dated XX/XX/XXXX and XX/XX/XXXX and I reported to them and they still have not removed although via phone they acknowledged they were not mine. I never requested any mortgage from EQUIFAX Mortgage, they say it is XXXX but I do not have a relationship nor have I requested mortgage through XXXX. I have reported to XXXX and still nothing resolved.
Consumer complaint received 2016-06-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

I was approved for a mortgage modification with Seterus because I 'm currently XXXX delinquent. Seterus is proposing a 40 year term to modify my mortgage for that small amount when I currently have less than 16 years left now. The modification include illegal fees and charges. This company takes advantage of the difficult times people are having and force them into terms that are probably illegal but benefits the company greater. This company needs to be investigated and the responsible people should be charged and jailed to the max.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

Equifax is showing an Open Collection of {$290.00} for XXXX as reported by XXXX XXXX. I had previously contacted them & stated this acct had been inc in my 2009 bankruptcy. They came back & said they verified the debt thru XXXX. I then contacted XXXX & sent them copies of my bankruptcy. It showed the rental property at XXXX XXXX XXXX XXXX VA XXXX, for which the XXXX acct was for, had been surrendered and the XXXX acct listed under creditors. I then heard from XXXX ( XXXX XXXX XXXX with the XXXX Escalation Team. He said XXXX had been instructed to cancel and withdraw the collection and to report this info to the credit bureaus. A week later I obtained a new copy of my credit reports and it was still showing as an Open Collection. I spoke XXXX again and he put me on hold while he called XXXX and spoke with XXXX at XXXX XXXX XXXX XXXX. XXXX said she had been instructed, again, to cancel the collection and withdraw the info fr the cr bureaus. He gave me her contact info and said to call her to confirm. XXXX would not talk to me as it was a collection. She gave the # to their collections dept. ( XXXX ) XXXX. I then spoke XXXX ( XXXX XXXX who said that XXXX had canceled it but they were still reporting it until they were paid by XXXX. I said this was illegal. Once the creditor advised them the account was in error and had been discharged under bankruptcy they had no right to continue reporting it as a collection item. What happens between XXXX and XXXX re payment or cancellation fee is not my concern.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

Every month I have issues with Equifax. Its like a never ending complaint with them. In XXXX, I had issues with gaining access to my credit file, after numerous call back and forth to the personal department and the consumer department they were able to fix the issues. Then in XXXX the same issue occurred. When I call no one seems to no why I cant gain access to my credit file. Now in XXXX the same issue has occurred. I called several time trying to explain to them that this issue has occurred every month and the resolution but no one I talk to seem to be able to figure out the issue. I have n't been able to see my credit file since XXXX XXXX. I have attached snapshots of failed credit report request from over the last several months showing that this issues happens every month since XXXX 2015. The last time this issue occurred I just fax address verification to the Consumer department and the issue was resolved now one seems to know how to fix this issue. This is getting annoying. If you work at Equifax and I call you, you should be able to fix the issue I 'm explaining to you.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

I have disputed a child support collection account several times with Equifax. I have no past due balance and have not had a past due balance in over year. In fact, since XXXX, I have received a small refund check each and every month for overpayment. I have provided screen shots of my account, my case workers phone number. I submitted a dispute last month and Equifax came back, removed the historical balance and indicated that I have an even greater past due balance. I do n't think they are actually even checking. I am trying to purchase a home and this is making me completely ineligible and the information is inaccurate. I filed a previous complaint through this agency and Equifax replied to you that they updated my information. They added back incorrect information. I need this corrected. I am willing to have a conference call with the child support collection agency for the state of Colorado - whatever I need to do. Can you please assist me? This is unacceptable and my rights are being violated now for nearly a year. I am following the dispute and complaint process and this is not being resolved. I have attached the results from my most recent dispute. The log in page from my current child support account status page showing that I have a XXXX and the payment history showing the refunds for overpayment each month.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (LA)

I have just emerged from Chapter XXXX bankruptcy and have been fully discharged and the bankruptcy case terminated ( I am attaching documents to prove this ). I received a payoff statement from my mortgage carrier, Seterus, and found I was being billed for property inspections and BPO costs for a total of {$690.00} added to my mortgage payoff amount. ( I am attaching the payoff statement with the charges in question circled on page XXXX ) These are charges that are usually associated with foreclosure proceedings. But since I have just completed a 5-year Chapter XXXX plan successfully, foreclosure proceedings are forbidden by bankruptcy law. Since my discharge from Chapter XXXX on XXXX XXXX, 2015, I have been on time with all scheduled monthly payments to Seterus. I called Seterus to find out why these property inspection and BPO charges have been applied to my account, but I was told they were not allowed to discuss anything regarding my account with me.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years. According to the credit bureaus the account staut will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.