davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CO)

XX/XX/XXXX Disover card ( account ending in XXXX ) put me in default without calling me or texting me that my account was past due. I have never had a late payment with any of my credit cards. This was an honest mistake, and I thought I paid in full in XX/XX/XXXX. I'm not sure if it was a technical error. I reached out to their consumer agency and no one would help me. I never received verbal communication from Discover that I was in default. When I called in XX/XX/XXXX The Discover agency informed me that because I didn't have push notifications turned on I wouldn't have seen a text. There was no prompt when opening the account to turn on push notifications. But, I received emails and I never received an email that my account was going in default. I was informed I was not charged a late fee in XXXX XXXX via chat on Discover. I was sent into default and only received notice by mail in XX/XX/XXXX. No one from Discover called me to inform me that my account will become default I paid my balance in full in XX/XX/XXXX, and then realized there must of been a technical error. Once I realized what happened, I immediately paid in full in XX/XX/XXXX the amount of XXXX. I understand the importance of on time payments, and I have been faithful to doing that since XXXX. My credit was drastically affected from having a FICO of XXXX to decreasing to XXXX. 


This was a technical mistake, that I am requesting to be removed from my credit report.
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (PR)

I submitted a credit card application on XX/XX/XXXX. Inmediately after submitting i recieve a call from chase fraud prevention dept. asking if I had submitted a credit card application ( i did ). A few days later I get another call from them asking if i had submitted an application. Yet again after speaking to me they said i would recieve a letter with their decision. About a week later i get a letter saying I my application was denied due to a suspected fraudulent application. Again, this is me that is applying for said card. I call yet again and they tell me they require further documentation to verify my identity ( I provide them with pertinent documents such as my ID, passport, SSN ) and call them 3 days later. During this call, I am told that my id and passport were blurry and that i had to resubmit. Chase provides me a new secure link to upload my documents. I make sure to scan the documents again, ensuring they are clear and legible, yet when I call them again, they tell me my application was denied and they were unable to verify my identity and could not provide further details as to why. I have been in a constant back and forth with Chase for 3 weeks and have gotten nowhere.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

I am writing to file a formal complaint and dispute regarding inaccurate information on my XXXX credit report related to an account with Affirm, Account Number : XXXX. The information reported by Affirm is incorrect, and I would like your assistance in resolving this matter. 

The account in question is marked as " Paid, Closed, '' with a {$290.00} balance written off. However, this is inaccurate because I paid the full balance directly to Affirm, and no amount was written off. The account should reflect the accurate status of " Paid in Full '' with no write-offs. 

I have already attempted to address this matter with Affirm without success, and I am now requesting your assistance to correct this error. This inaccurate information is negatively impacting my credit report, and I would like it corrected as soon as possible.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reached out to the Dept of Ed XXXX to get a copy of my original contract showing I took loans out. I told them I have been.a victim of Identity theft and victim of domestic abuse so many of the loans or items on my credit was mostly likely not me. I sent the letter back in XXXX and still haven't received a response. Also, called them at XXXX couldn't provide me with the contract. 
DEPT OF EDXXXX Acct XXXX XXXX Amount : {$6500.00} XXXX XXXX XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : XXXX XXXX XXXX XXXX OF ED/XXXX  Acct # XXXX Amount : {$5300.00} XXXX {$5300.00} XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : {$3500.00} XXXX {$3500.00} XXXX  DEPT OF ED/XXXX  Acct # XXXX Amount : {$2200.00} XXXX {$2200.00} XXXX XXXX XXXX  Acct # XXXX Amount {$9700.00} XXXX {$8600.00} XXXX No contract with them. I called and wrote a letter and haven't received any thing back from the company. 
XXXX XXXX  Acct # XXXX Amount : {$1000.00} XXXX {$1000.00} XXXX  There can't be an open account as a collection that is a violation. Also, this company hasn't sent any proof of contract or proof that I had any accounts with them.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I have my taxes escrowed through Mr. Cooper. I received a notice in XX/XX/XXXX that my XXXX School District tax was not paid, which was {$3700.00} but had a late fee added so it {$3800.00}. I called their customer service line and was asked to fax the notice and I did that on XX/XX/XXXX. I also explained that XXXX SD uses a tax collector which is on the notice and they must send the payment there. I made a follow up call to them on XX/XX/XXXX and they informed me that the taxes had been paid and corrected. 

I received another certified letter, dated XX/XX/XXXX, from a debt collection agency called XXXX XXXX XXXX stating that my XXXX School district taxes were not paid. I called Mr. Cooper 's customer service number again on XX/XX/XXXX and was transferred to a supervisor this time. She asked me to email her the notice and said she would handle it and that they would be responsible for the delinquency fee. I explained that the payment must now go to the debt collector, XXXX XXXX XXXX, which is detailed in the certified letter. As of today, XX/XX/XXXX, XXXX XXXX XXXX is stating that they have not been paid yet. Mr. Cooper, however, did deduct a second payment out of my escrow which includes the delinquency fee. When I spoke with the same Supervisor today she stated that they could not see where the money actually went. Their system does not allow them to access that and that I would only get my previous dollars which were deducted from escrow back if they can get the erroneous payment returned to them. They still do not even know where they sent the money. 

I now have two deductions from my escrow account and they can not explain where either dollar amount went. One is for {$3700.00} on XX/XX/XXXX and the other is on XX/XX/XXXX for {$3800.00} and my escrow balance is reading {$0.00}. 

I believe that they should have called all of the tax entities involved with my escrow or requested the documents form me and made sure the appropriate places were paid. Once they received notice of their error, they should have corrected it out of their own pocket and not out of my escrow account. 

I receive another notice, dated XX/XX/XXXX, that my tax to XXXX County was not paid in XXXX. The original amount was XXXX and it is now XXXX due to a late fee. This notice was particularly concerning to me because it states that if the tax is not paid by XX/XX/XXXX they can place my house for an upset sale to collect their money. informed the Customer Service Supervisor of this when I talked with her today. She asked me to email it to her and I just sent it to her.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (TX)

I am writing to formally lodge a complaint against Kikoff Lending LLC regarding the inaccurate reporting on my credit report and the failure of the company to respond to my dispute attempts.

Inaccurate Reporting : Kikoff Lending LLC has reported my account as being 60 days late in XXXX XXXX, 90  days late in XX/XX/year>, and 90 days late again in XX/XX/year>. This information is entirely false. I have consistently made all payments on time, and there is no legitimate basis for this late payment history to be on my report. 

Account Balance : Additionally, the account is showing a balance of {$6.00}, which is also incorrect. The account should reflect a {$0.00} balance, and I do not owe any outstanding amount to Kikoff Lending LLC.

Failure to Respond : I have made multiple attempts to contact Kikoff Lending LLC by sending dispute letters to the address listed on my credit report, only for the letters to be returned as undeliverable or ignored without any response. The companys failure to address my dispute is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the following accounts do not belong to me : 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. I have not received goods or services from these companies and I have provided my police reports, my FTC Identity theft report, Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2018-03-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We are homeowners who were paying our mortgage religiously every month for over 12 years {$1200.00} a month. Then, Nationstar Mortgage ( NSM ) bought our loan and increased the payment to {$1900.00} a month. The increase amount was not in our budget so we called the company for a loan modification. This is when our American dream turned to a nightmare. 
We are filing a complaint based on illegal representation of loan modification procedures and omissions of NSM, now Mr. Cooper. 
Our family has not been awarded / granted a loan modification although we have tried. NSM took too long to finalize our file and now we are facing foreclosure. 
We would have made our payment only if we have received the approval letter and confirmation of future payments. We never received the final notice, we found out when we did not hear from them, and we decided to call them. When we made our inquiry with NSM, as to why we were not informed, we were told that we had to start the process all over again. This negligence has led to further disarray and miscommunication between the loan documentation department. We were then instructed to wait for approval one more time and to complete another application. 
RIGHT NOW, WE NEED TO SAVE OUR HOME on XXXX XXXX XXXX XXXX XXXX, Florida XXXX. On XX/XX/XXXX, we have a hearing for FORECLOSURE. 
I beg you to help with canceling foreclosure and finalize the modification. I got in touch with an HUD agency to help us with counseling and a solution on our own. I want a review of our loan modification ; please help our family save our home. 
Important dates : XX/XX/XXXX- Mortgage payment increased to {$2000.00} we called to do a modification and after hours spent on the phone and many papers faxed and sent by mail ; we never got the letter for approval. we called and XXXX XXXX from NSM told us that we had to start all over again because we did not responded to the approval that by the way we never received. 
XX/XX/XXXX-XX/XX/XXXX Second modification was done but we were told by our broker, XXXX XXXX XXXX, XXXX and Attorney XXXX XXXX not to pay because we were not guarantee the future monthly payment and that NSM could keep that money and not decline the loan modification. We were scammed by XXXX XXXX and Attorney XXXX XXXX,. as you can see in the court papers, they never responded to the court. They made us signed the deed of the house, rented our house and kept the money for more than six months. 
After that we hired Attorney XXXX XXXX XXXX to defend us and XXXX to deal with the application for modification. XXXX did not include my income and the modification was denied for lack of income. He said that because my name was not in the loan ; it was okay not to add my income and only use my husband 's income. 
We are now facing a day in court and we do not know what to do. 
We contacted XXXX XXXX XXXX and have an appointment for counseling next week. ( see attachment information ) We attached the court case for dates and information
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

My payment information on my XXXX XXXX XXXX  is not being recorded by Equifax as it is on XXXX  and XXXX. I have contacted XXXX XXXX and they have reviewed and confirmed that the information has been given to Equifax since XXXX of 2012 as it was with the other three agencies. I disputed this with Equifax and they are saying XXXX XXXX is not reporting the information. For some reason XXXX XXXX information is accurate at the other two so why would Equifax be any different. I have attached my Equifax and XXXX  payment logs for proof of what I am saying is the case.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.