davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

Another person who has the same name as me and lives in the same large metropolis as I do took out a loan. Although the creditor did not have my social security number or date of birth, the debt was reported on my credit report, not the debtor 's. I contacted the creditor, and they confirmed that they do not have any of my information ( address, phone number, SSN, or birthdate ) on file, but rather have different personal information about this person who has the same name as me. I 've disputed the issue with the credit reporting company and am awaiting a final response. However, it is inappropriate to put information on my credit report to begin with without any reason to think that the account belongs to me except for a common first and last name. The credit reporting agency has a duty to take very basic steps to ensure the accuracy of its reports, and it failed. Although I expect my dispute to be resolved in my favor, why should I have to go through this effort and wait 3 months for a resolution?
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

I am in receipt of the attached Equifax report number XXXX, dated XXXX, and discovered the following reporting problems which Equifax is placing the blame on XXXX XXXX : 1. The FCRA requires creditors to provide their name address and telephone on the credit report to allow consumers to dispute inaccurate information directly with the creditor. 

Please note the number ( XXXX ) XXXX, XXXX is listing on the report does not provide contact with XXXX but is a telemarketing number, which not only blatantly ignores the law but selling products while doing so takes arrogance to a completely new level. 

2. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XX/XX/XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month on both accounts where is the data from XX/XX/XXXX to present? 
3. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and shows no data on the account prior to XX/XX/XXXX, how is this possible when both accounts had been established since XXXX? Where is the data and why was this reporting information being withheld from Equifax? 

4. The credit limit on both accounts is {$3800.00}, on each account why is the credit limit on the Equifax , credit report listed at {$2500.00}, which is showing an inaccurate credit to debt ratio and lowers my credit scores. 

5. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, how is this possible when payments are made each month, where is the data from these months and why is the information being withheld from Equifax. 

6. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month where is the data from XX/XX/XXXX to present and why is this information being withheld from the credit reporting bureaus
Consumer complaint received 2016-03-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica (PA)

Comerica Bank Parent Company of Direct Express, has failed and/or refused to issue my Social Security Benefits and a timely and prompt fashion. On at least two occasion XXXX XXXX and XXXX XXXX deadlines were failures. I tried to exhaust my remedies at corporate level but to no avail. I spoke with gentlelady for the eastern board name XXXX. I explained to her I went to the postal office on 2 different occasion s superior told me there was absolutely no mail for for direct Express. I told her this the answer she could offer is that pay federal XXXX for XXXX dollars. Keeping in I 'm on a fixed income and over on rent other bills.then spoke with XXXX who operates Quailty service for Comerica bank. She totally avoid Ed me.I ran out of options. This complaint is my last resort. To this date XX/XX/2016.I Respectfully ask that CFPA look into this matter at your earliest convenience. And compel These entities with all rules regulations of law. To issue my debit MasterCard. ASAP and and other relief you may offer thanking you in advance for your assistance ....
Consumer complaint received 2016-07-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (VA)

I have been a customer of SunTrust bank for more than 10 years. I have a personal and a business account with them. I run an XXXX XXXX XXXX XXXX XXXX XXXX. As part of my business, I have several developers that reside in XXXX and XXXX. I have started using SunTrust bank to send out wire transfer to XXXX XXXX to XXXX of the developers in the amount of {$4000.00} a month since XXXX XXXX. 

I did my first XXXX transfers at XXXX Bank XXXX XXXX in XXXX, VA in person with no issues. I then was advised to get a phone authorization so that I can do the transfers remotely. I did that and was able to do the final XXXX transfers via the phone. 
On XXXX XXXX, XXXX, I received an email from XXXX XXXX XXXX | XXXX XXXX - XXXX at SunTrust Bank inquiring about the purpose of my wires. I responded on XXXX XXXX stating that these wires were a payment for XXXX development work performed by XXXX XXXX, my contractor. I got a response from XXXX XXXX, thanking me for the information I had submitted. 

On XXXX XXXX, XXXX, I picked up a certified letter from SunTrust Bank 's XXXX XXXX XXXX where they informed that they will be closing all of my accounts ( business and personal ) within 10 days of the letter dated XXXX XXXX XXXX. There was no explanation for this action. I called the number provided XXXX and was told that I had to go the branch to get an explanation. 

On XXXX XXXX, XXXX I came to the SunTrust Bank XXXX XXXX in XXXX, VA and spoke to the Branch Manager who was the XXXX helping me with the wires before. He made a call to XXXX XXXX XXXX and found out that they made a business decision to close my accounts and deny me the right to open a new account because I make transfers to XXXX. I asked if I can open a new account if I stop making those transfers and I was told that their decision is final and they do n't want me as a customer. 

As a consumer I was not told that there was an issue with sending money to XXXX back in XXXX XXXX, I was not given a warning, and I am not being given enough time to sort through this situation. The bank has performed about XXXX transfers total for me with no issues. And now not only my business account is affected but so is my personal. I have all automated payments going in and out of both accounts. I do not have another business account to send to my clients so I can collect payment. The letter was dated XXXX XXXX, giving me only 10 days to close out my accounts. I had to go to the post office to pick it up, which happened on XXXX XXXX. Today is XXXX XXXX. Now I have 3 days to get a new account, get payments in there, transfer my money AND setup all the automated payments without missing payments. This is a huge issue for both my business and personal life.
Consumer complaint received 2015-04-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I opened a Sun Trust bank account in 2011 while attending college at University XXXX XXXX Florida. They activated my student ID as my debit card when I opened the account. I got my school refund to the account, and had been using my student id card to access the account. The banker who opened my account put the wrong mailing address for the account, they mailed a debit card, and pin number to the incorrect address. A couple weeks after opening the account, the debit card they sent drained the account of all funds. I filed a police report when i found the account was empty. The police report was closed, without finding out who stole my money. Then SunTrust instead of refunding my money, closed my account, and told me I Must of committed the fraud on my own account. Not only did they imporperly close my account, they added me to a credit reporting company called XXXX, They have placed information on my XXXX file stating that I attempted to defraud the bank, which prevents me from opening a bank account anywhere.
Consumer complaint received 2017-02-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

I pulled out a private loan around 2006 for $ XXXX it is now doubled to $ XXXX. I was never told it was a private loan, I thought it was a federal loan. Now my payments are about {$400.00} a month too much for me to handle and my balance is n't even decreasing after paying for over a year. I 'm trying to work with the servicer but they are not giving me any options. I would like a lower payment and interest rate where I can actually see my balance decreasing.
Consumer complaint received 2017-02-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (FL)

While paying bills through Suntrust Bill Pay my XXXX bill was entered as a rush payment for an additional cost of {$9.00}. This was not what I wanted, needed or asked for. There had been a red message prior, I did not know what it was, I re-entered the bill and the date was in green, so I assumed it was fixed. After I submitted the bills for payment I saw that I was being charged for a " rush payment. '' I immediately returned to the screen to cancel the payment but there was no option on that bill. It was locked into processing. I then called the Suntrust customer support and was told it is operated by a third party, and they can not get to a screen to cancel either. I had the Suntrust Representative call the third party ( XXXX ) to explain the problem and ask for their help. They refused to help or waive the charge. I told Suntrust I was filing a complaint with Consumer Financial Protection, and she said she would file a complaint with the Bank on my behalf. Suntrust complaint # XX/XX/2017-XXXX.
Consumer complaint received 2015-06-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

so there is fraud inquirys on my credit report i ask them to remove them i provided my police report with each inquiry listed in the police report a letter stating why im disputing these with copy of my id and i called in after 4 days and they sent the same letter that says inquirys are factual records and i told them the company 's didnt have my information and there is nothing i can do they kept giving me the run around been on the phone with them for over 30 mins trying to get this straight but still get no help what so ever
Consumer complaint received 2016-02-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

On XXXX/XXXX/XXXX, I sent Seterus, the servicer of my loan, a request to complete a new Escrow Analysis and spread the shortage over 60 months. I sent a follow up XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have had no response. 
Seterus approved a loan modification XXXX/XXXX/XXXX, but did not perform an escrow analysis prior to the modification, which ended up increasing my payment by {$190.00} per month. It should have been performed prior to the modification. And, a forbearance was approved from XXXX. The Seterus representative advised me in XXXX XXXX that the only thing I would be paying during the forbearance period would be taxes and insurance, then then ended up applying all monies to loan principal and interest. This is the reason for the large shortage. 
This servicer is extremely difficulty to work with. 
I previously filed complaints with you for XXXX reasons : they declined a loan modification 7 times in 4 years, citing that I did not provide all requested documents, which I had fax proof that I had provided, and a second time, in order to have the loan modification paperwork completed, as they took over 7 months to confirm and provide documents. Both times, they stepped up, only with your intervention. I am quite frustrated. 
I believe that I own XXXX of the few properties they could actually make money on if they foreclosed, and either the left hand does n't know what the right hand is doing, or it is with intent, so that they CAN foreclose and make $ XXXX-XXXX. 
They have continually misapplied, suspended payments, and then cited the original note, the forbearance or the modification, wherever it please them and they make the most money. They have also charged late fees and 'inspection fees to be sure I am living in the property ' since XXXX XXXX, XXXX due to misapplication of payments I made, even though the payments were the exact payment they requested for each specific date.I was not even aware of the misapplication of payments or the fees until XXXX XXXX, and they refused me access to the website and stopped sending statements to me due to Chapter XXXX filing in XXXX XXXX. Misapplication of funds also effects principal reduction clauses over the first 5 years of the modification term, and hurts my already damaged credit further. I truly believe this is all with intent, and need an advocate to renegotiate all of this with them, especially reapplication of payments made. 
Please help me negotiate these issues. 
Thank you, XXXX XXXX
Consumer complaint received 2020-10-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (RI)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2016-07-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (IN)

I am in the get hope state program on my mortgage. I received paper work from my lender stating they were going to put me in foreclosure after being behind for two months. also received paper work from my insurance company on my mortgage saying i need to prove i am living in the residents or they will cancel my insurance due to the mortgage company putting me in default. So they offered me a forberance program which I was told they could n't do receiving state funds.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MA)

Bought a XXXX from XXXX which they, I, financed through XXXX XXXX. It was a installment sales contract. But on all XXXX credit reports it is listed as a revolving account and an installment sales contract. XXXX is the only one that lists it a installment sales contract. The other XXXX companies and hy cite refuse to alter the info because it is listed as a positive account, paid in full and never late. An installment sales contract would make it a mixed credit report and would raise my score from C to an B. When applying for a loan it was XXXX of the reasons listed for denying the loan. Also XXXX a utility company should be listed as a sales, as I pay month to month and not under contact. If I had bought a car or boat this is where it would be located under sale account.
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MA)

Dear Sir/Madam, I have placed a security freeze on my credit report with all XXXX credit agencies. Now I need to buy a house so I asked for a temporary unfreeze the other XXXX credit agencies agreed however Equifax did not. I am unable to unfreeze my account. When I try to unfreeze either online or on the phone Equifax says that my address is not correct. I have tried all the address that I have lived in USA. I then obtained my credit report from Equifax and then tried to unfreeze using the address that Equifax has on their very own credit report. And yet I am unable to unfreeze my account. I then mailed them all my details including the pin I was provided when I freezed my credit account along with a check and credit card number tocover any fees. Yet they have not unfreezed my account. I am unable to buy a house because of very poor consumer treatment by Equifax. There is absolutely no way to unfreeze my account.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (KS)

Doctor bill submitted for collection because doctor 's office did not provide updated medical insurance to its billing department. Updated information also included my new address so I never got a notice of the problem. Doctor 's office cancelled the collection on XXXX/XXXX/15, more than 30 days ago, and it needs to come off my credit report and the affect it has had upon my credit score.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

Equifax..this agency deleted my high credit, 3 loan reportings from XXXX on my truck pd off in 2014. 
I managed to get the bank to re- submit the loan reportings..they had to do it twice before it was added ... and when it was added to my file..at the same time equifax deleted all but 3 of my XXXX XXXX positive reportings..keeping my score below XXXX. 
I do not know why they did this..im sending pictures of what was deleted.
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CT)

I received notice from my credit protection service that an unknown person applied for auto loan credit in my name XXXX/XXXX/2015 at XXXX places North Carolina. I called these lenders ( XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ), and they XXXX assured me that they had no record of anyone using my name or SSN, and showed no record of these inquiries. I immediately initiated a dispute with Equifax and placed a fraud alert on my credit bureaus. Less than 24 hours later I got an email from Equifax saying that my dispute was resolved and that these inquiries were legitimate and factual. The email gave me no way to speak to a person further about this investigation. I live in XXXX CT. I did not apply for auto credit in North Carolina, and I can not understand how Equifax can determine that these inquiries are factual when XXXX lenders in North Carolina have advised me that they are not. I want Equifax to delete these inquiries from by credit bureau as their existence damages my creditworthiness. I have attached the results of the Equifax investigation.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have disputed numerous times with Equifax concerning Equifax has continued to state that XXXX County contacted them and verified this information. XXXX County Clerk of Courts stated they did not report any information at any time. Equifax has been violating the FCRA and stating that they did and giving their contact information and its not factual
Consumer complaint received 2015-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

XXXX credit card reporting a charge off and outstanding balance on my credit reports. XXXX and equifax. I have disputed info it was deleted and reinserted. Now showing balance due. This account was discharged in BK XXXX 2011. Company reports charge off and due as of XXXX 2011. Account should be deleted from my file and not reinserted this has happened approx. 3 times. XXXX refuses to report correct information.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I have disputed an account for several months and requested verification documents from both the creditor and the credit agency. I have sent letters and placed several phone calls. Neither has provided any documents signed or authorized by me as verification for this account. Equifax has informed me that my file is mixed but still Equifax continues to report this erroneous account on my file. I want the account deleted and suppressed immediately since it has not been verified under the guidelines of the FCRA
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I owed XXXX XXXX {$230.00} front a charge off account on a secured card. I called and paid them. The amount of {$230.00} which includes processing fee taken out of my account on XXXX XXXX 2016. To dated municipal credit card have nut updated my account and when I disputed up with equifax they came back with verification saying that they are reporting correct. In accordance with the FCRA I am requesting that the XXXX be removed on all of my credit report in accordance with the new york state law 5 year deletion law.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

To whom it may concern : ON XXXX XXXX, 2016 I 've sent these dispute letters to XXXX, XXXX and Equifax a dispute letter and other valuable information containing my ID, drivers license, permanent resident card, passport, SSN, birth certificate, banking information, telephone information, all required information disputing information contained on my credit report. Now, to this present say, XXXX and XXXX removed all the negative information, Equifax has not to this present day even acknowledges they received the dispute letters and my personal information, and I DO NOT need my information just sitting there in their custody lost. I 've again mailed the exact same copies to the other addresses listed on their website on XXXX. XXXX, 2016 and I 'm receiving the same responses from Equifax , whether they received my dispute letter and information. I'am truly hoping your office can find out this information per my request, since Equifax refuses XXXX reply. I have all receipts from the post office confirming the delivery of ALL of my dispute letters. I mailed my personal information to these addresses : ( Equifax ) First dispute letter sent XXXX. XXXX, 2016 to this address : XXXX XXXX XXXX XXXX, GA XXXX and the Second dispute letter sent XXXX. XXXX, 2016 sent to this address : ( Equifax ) XXXX XXXX XXXX XXXX, GA XXXX, the only reason a second dispute letter was sent, XXXX and XXXX, 4 days later requested all the above information from me, and I still have those letters. I have NOT heard NOTHING from Equifax , and 5 days later XXXX removed ALL negative information from my credit report to include XXXX, NOTHING from Equifax! 
If Equifax is legally allowed to operate a business in such a manner, please file a complaint against this company for me, and I want to have a dispute placed against Equifax for legally, not following the FTC laws and personally not disputing the information I requested Equifax to dispute on my credit report.