davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-07
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was looked at my credit report and they are showing inaccurate incorrect information when it comes to my name address and date of birth and phone numbers. I tried disputing it on the 3 bureaus website but they blocked me from doing it.

Make sure to update my correct name and update my current address.
Consumer complaint received 2020-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance to the Fair Credit Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I would like to file a formal complaint against XXXX, Equifax, and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA for 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error. 

2. Failing to provide the method of verification.

3. Failing to provide all relevant info, ( sign contracts, etc. 

In XX/XX/XXXX I sent my first investigation request to XXXX, Equifax and XXXX  requesting an investigation into multiple inaccurate accounts. Some accounts were deleted, however multiple accounts remained with inaccuracies. In XX/XX/XXXX I sent verification request which allows 15 days in which neither XXXX, Equifax and XXXX never responded to my dispute request. In XX/XX/XXXX I sent a third request again asking to have the inaccurate accounts removed, my request once again has been ignored. 
THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. XXXX, EQUIFAX AND XXXX  HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNT.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.
Consumer complaint received 2024-03-07
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (MO)

When I filled out the application, the contract became null and void due to several factors. Firstly, upon extending my credit, I was provided with misleading information, rendering the contract invalid from its inception. Subsequently, when I attempted to rectify this situation by addressing the issue, the other party refused to cooperate in good faith. I emphasized the importance of equity, highlighting the need for fairness and justice. Furthermore, I outlined the next steps for receiving reimbursement as surety for the unlawful repossession of your car, which occurred without a court order. This sequence of events underscores the lack of integrity in the contractual agreement and necessitates appropriate measures to rectify the injustice. XXXX XXXX make a legally binding contract full disclosure, consideration, lawful terms and conditions, mutual intent, and meetings of the mind. Those who committed the fraud must bear the cost of the discrepancy and make a remedy to the party they have defrauded. This contract is considered ultra XXXX
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX reached out to Equifax with a follow up on XX/XX/XXXX about a dispute and have not gotten a single response. 

XXXX Balance inaccurate. This account has been transferred and reported with a balance of {$6100.00} on Equifax but on XXXX it shows {$0.00}. No information reporting on who it was transferred to. This account has already been removed from XXXX. Why are you still reporting it? 

Please delete this inaccurate account immediately. 

XXXX XXXX information inaccurate. High balance on Equifax shows {$22000.00} with a balance owed of {$20000.00} but XXXX and XXXX report a high balance of {$23000.00}. Why would you have a different balance then the other 2 credit reporting agencies. 

Please delete this inaccurate account. 

XXXX XXXX XXXX  Payment status inaccurate reporting Late 120 days late on a Collection account with a past due balance of {$450.00} and no original creditor reported on Equifax. Which is a violation. 

Please delete this inaccurate account immediately. 

The original creditor XXXX XXXX XXXX with account number is also reporting this account which is causing duplicate derogatory accounts on my credit report. Which should automatically have both removed. 

XXXX This account has inaccurate payments being reported and payment status. Payment status of Late 120 days with Four - 90 day late payments with only 1 late payment starting with 120 days in XX/XX/XXXX while XXXX reported 90 days late in XX/XX/XXXX. 

Would like these unverified late payments removed. 

Attached are copies of my original dispute and identification that was sent to the Equifax with Certified copy of mailed delivery
Consumer complaint received 2021-01-27
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (OH)

This is a fraudulent debt, the company refuses to remove it off of all credit reports. Ive had a credit debt agency investigate and paid lots of money, submitted all legal documents and its still not removed. This company is violating Federal laws.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (TX)

I had an account with Netspend for several years with no issue whatsoever. They eventually offered me a secondary card through XXXX which I applied for and received, again with no issue. I had the open account for a few months but had never deposited funds towards yet. I ended up transferring funds from my XXXX account into the account i/a/o approx {$360.00}. I made 1 purchase for {$150.00} or so and had attempted another which was declined. I received notification from Netspend that my account had been locked for some reason but which was not explained. I had {$9.00} left available in the account and {$210.00} from the declined transaction which was still pending. For no obvious reason, Netspend decided I was now no longer eligible for an account with them. I was calling several times a day in the attempt to resolve whatever the issue was and also regain access to my funds. It took many calls to even get any kind of explanation and I was told it was because the transaction I attempted was prohibited by them. Im not sure how I was supposed to know the purchase or merchant was prohibited, because it was never specified or explained in advance. I was not trying to buy anything illegal or questionable in any way and nowhere on their site or XXXX XXXX XXXX XXXX does it state which merchants are prohibited. It also doesnt specify anywhere that simply attempting a transaction with a prohibited merchant will make them close your account immediately. They closed both my original account and the XXXX account. I was sent a check for {$9.00}, which wasnt even the full balance of my account, as well as a check for {$79.00} which was the balance of the first initial account. It took another 2 weeks to get a 3rd check for the remaining {$210.00} I was owed. I brought the checks to XXXX to cash them and couldnt because they wouldnt said the checks were probably not even good. So I'm stuck with XXXX checks I cant even cash to get my funds. Since then, Netspend has sent me 2 account offers with debit cards. One account offer was for an " upgraded '' account through Netspend and the 2nd was another card through XXXX. I was unable to actually activate either card when I attempted, and would get directed to their customer service and told again that I was no longer eligible for an account. Then why send the damned cards in the first place? I didn't do anything wrong to even warrant that determination and they refuse to reconsider the information based on the truth. Im stuck with 3 checks from them that I cant cash and they refuse to acknowledge they made a bad decision and reconsider the situation.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I had sent a complaint to you ( XXXX ) regarding EQUIFAX. They answered our complaint by finally giving me access to my credit report by sending me a copy. They did not answer how my account was frozen. 

In receiving the copy of my credit report from EQUIFAX I found items that need to be disputed. My attorney has provided dispute letters ( attached ) to be used for the dispute. I am asking your help in this matter because I am afraid it will not be addressed by EQUIFAX or that it will get lost in the mail. 

Please help with this matter, and let us know if you need further information. 

Thanking you in advance. 

XXXX XXXX XXXX
Consumer complaint received 2021-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NY)

My initial car loan was with XXXX XXXX. 

I had automatic deductions from my bank account to pay every month so that I wasn't late. 

I got calls from XXXX XXXX stating that I should be paying them. I was suspicious because I am a victim of fraud that took place earlier in the year 2020. I asked them to provide proof that they in fact took over the assets of XXXX XXXX. They said that they didn't have to and if I didn't pay them they would come and pick up my car for nonpayment. 

I would like proof that I should be doing business with Westlake Portfolio Management before I make a single payment. 

I know of cases where someone started paying a new 'mortgage company ' for 10+ years only to find out they were a fraud. And instead of having a home that was paid off they are now in foreclosure. 

There are a lot of scams and any company that is legitimate should happily furnish proof. Because that's how proper business is done. 

I never received any email from XXXX XXXX saying that I should now be sending my payments to Westlake Portfolio Management. I have attached screenshots of my last payment deduction and last correspondence from XXXX XXXX. There is no indication that Westlake Portfolio Management now holds my loan.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP (KY)

On XX/XX/22 we send a birthday card and check for {$1100.00} to our daughter through thXXXX XXXX XXXX XXXX This check cleared our bank on XX/XX/22 and XX/XX/22 we caught it being cashed for the amount of {$5100.00} with the name on the check being XXXX XXXX. The same day we reported this to our bank 's fraud department ( Old National Bank ) and to our Police Department ( XXXX Police Department ) filling out all required forms for both. We want to press charges against the person responsible and Police Incident Number is XXXX, XXXX XXXX : XXXX and his badge # is XXXX. This forgery took place over three months ago and all our bank will tell us is, that the check was chased at a XXXXXXXX XXXXXXXX and that it is up to them to return our money. The check was clearly forged and all we are getting is a run around. We're retired and need our money back. 

If you need more information just let me know.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX ( XXXX ) did a HARD INQUIRY in error in Equifax XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX confirmed done in error and sent ltr XX/XX/XXXX to me confirming this and that " we have sent a request to the approrpirate credit reporting agency ( Equifax ) to DELETE our inquiry ''. Equifax never removed it - I have done 2 disputes w/Equifax asking them to remove - they stated NEVER got communication from XXXX to delete and closed both disuputes. XX/XX/XXXX XXXX did a 2nd req to delete ( I have ltrs confirming both of XXXX 's request to delete ) and it is still there. Did another dispute w/Equifax and it's still there. I have talked with about 15 people @ Equifax and spent probably 30 hours on hold on talking w/Equifax and they just say " we have nothing from XXXX XXXX  to delete it. Do another dispute ''. I'VE DONE 2 w/no results except they close them. I have XXXX msgs. w/Equifax and they continue to say they'll look into and call me back but they never have. XXXX says they've followed their ususal protocol to remove a hard inquiry from a customer 's Equifax reeport and there's nothing more they can do if Equifax continues to say they haven't received anything and Equifax says they can't do anything because they have nothing from XXXX to remove the hard inquiry. BEEN FIGHTING THIS FOR 3 MOS! I may apply buy a new home this year and want it removed from my credit report so it won't affect my mortgage application.
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (IL)

I am writing to dispute inaccuracies on my credit report that have had an adverse impact on my ability to obtain credit. The account in dispute is : Seterus XXXX In XXXX, I purchased property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. XXXX. While the above listed account was not the original mortgage lender, they subsequently took them over. For 11 years, I had made consistent and on-time monthly payments. However, in XXXX of XXXX, I was notified by the 1st lien holder, Seterus, that due to the Adjustable Rate Mortgage contract, my payment would be increasing to an amount that would be difficult for me to maintain. I attempted to refinance but due to the housing crisis, I lacked the equity. I then applied for a Loan Modification, which was also denied. In good faith, I put the property up for sale for what I owed on both mortgages and continued making on-time monthly payments through XX/XX/XXXX. 
In XX/XX/XXXX, I received a short-sale offer for {$100000.00}. I submitted a loss mitigation application to Seterus on XX/XX/XXXX. I received a response letter from Seterus on XX/XX/XXXX requesting more documentation. The full package was received by Seterus on XX/XX/XXXX and a settlement agreement was reached on XX/XX/XXXX. The closing for the short-sale occurred on XX/XX/XXXX. 
The inaccuracies are as follows : Seterus is reporting that the account was 2 months late AND in foreclosure/collections. I was paid through XX/XX/XXXX and we closed on XX/XX/XXXX. I attached my bank statements as proof. The XX/XX/XXXX payment was not made because a settlement agreement had been reached and we were waiting on the closing. We should have closed in XXXX but the 2nd lien holder caused the delay by demanding {$6000.00} in lieu of the {$3000.00} that was initially agreed upon. This account should only reflect SETTLED-LESS THAN FULL BALANCE ; CLOSED. No late payments and ABSOLUTELY NO FORECLOSURE. Please note, I have been denied credit by XXXX XXXX  due to this inaccurate reporting. I demand you produce a docket number for Foreclosure Proceedings in the State of Illinois or REMOVE THIS INACCURACY IMMEDIATELY.
Consumer complaint received 2021-11-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

My mortgage was with XXXX XXXX or XXXX XXXX, now it is not and I lost my job in XXXX and got behind on mortgage payments. The servicer was XXXX XXXX I tried to pay the amount I was behind in XX/XX/XXXX but they added XXXX in fees so the amount I had wouldnt stop foreclosure I was told. Now my mortgage service company is Fay Servicing and they did a loss mitigation and came back with my payment being almost twice of what my payment was and now my property is not showing under XXXX XXXX or XXXX XXXX. I am wanting to stay in my home as I am a single mom but the new payment they gave me of XXXX a month and the interest of 6 percent when my mortgage payment was XXXX a month and 4 percent I feel they are making it hard for me to stay. They also can not send me my original note from XXXX on the house. They only had the modification note from XXXX. I just would like a fair payment to what my mortgage payment was. I did claim bankruptcy in XXXX and I have lived in my house for XXXX  years now.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the XXXX this has caused me.