davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Despite our previous attempts, I regret to inform you that these issues still persist on my record. The presence of late open accounts and late closed not only adversely affects my credit score but also undermines my financial standing and access to credit opportunities. I kindly request that you prioritize the investigation and resolution of these issues, ensuring that all necessary steps are taken to correct the late open and remove the late closed accounts in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that resolving such issues may require time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following late open accounts should be corrected and the late closed should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$160000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW.
Consumer complaint received 2023-05-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

Did a dispute with JPMCB AUTO FINANCE about the collection being reported to my creditors and that it was false. It shows as a charge off/cancellation of debt therefore it should not be on my credit report being that that is in violation of the federal reporting act since I never received a 1099c and they basically already have been paid. All they did was change payment dates around which I never said anything about dates. They are also reporting different amounts to creditors.
Consumer complaint received 2023-12-26
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (CA)

I am writing to dispute and request corrections to the inaccurate information on my credit report. It has come to my attention that there are errors in the reporting of certain accounts, and I kindly request a thorough investigation and rectification of these issues : Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX, and Dept Of Ed/Nelnet XXXX XXXX I was the victim in this situation, and I am perplexed as to why this credit bureau is not complying with the law, especially considering that other bureaus have followed suit in correcting these inaccuracies. I expect a thorough investigation into these matters and prompt corrective actions. Please provide me with written confirmation of the results of your investigation.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

i am showing a XXXX XXXX account on my credit reporting it is showing as settled. I did not settle this account. It was paid in full. I was told when i paid the collection agency that this account was going to be deleted.
Consumer complaint received 2023-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Eagle Financial Services, Inc. (OH)

5 years ago I took out a high interest personal loan with Eagle Loans XXXX XXXX and shortly thereafter hit a financial crisis and couldnt pay so I contacted the office and spoke to the manager and explained everything to her, she was super nice I believe her name was XXXX and she stated that I dont need to worry about it as I had been a good customer before and she would write off the loan and not collect on it. I then decided to file XXXX XXXX but had to dismiss that when I couldnt afford my house anymore and was forced to sell it. I never heard anything from Eagle Loans again for 5 years consistent with what the manager told me until XX/XX/2023 when eagle loans contacted me and said they had located my loan and wanted me to pay immediately I explained everything to them and they just ignored what I said and said there was no record of that I asked then why would the loan sit there for 5 years with zero communication or collection attempts and that validates what I told you and they just ignored me. I offered to settle the loan for {$500.00} and they referred me to an attorney. I spoke to the attorneys collection manager and explained everything to her and she said that eagle loans claims there is not record of this and I asked then what did they wait 5 years to try to collect? And she didnt know. I then offered a {$1000.00} settlement in full in good faith even though I was given a verbal agreement 5 years ago that I would nott have to pay and the collection manager stated that she would speak to eagle loans and get back to me. Instead of ever getting back to me they just filed a civil suit asking for {$2100.00} plus 5 years of interest at 25 %. This company is ignoring what their authorized representative told me 5 years ago and acting in bad faith, an almost predatory manner with the statue of limitations up at end of this year. A company should keep their promises and negotiate in good faith
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (NY)

I did a modification with nationstar bank in XX/XX/2015. I made XXXX trial payments XXXX XXXX and XX/XX/2015. Modification was granted and filed end of XX/XX/2015. I made the XXXX XXXX & XXXX payment ( I have cancelled checks ) on XX/XX/2015 I received a notice I was in danger of foreclosure and was 3 months delinquent. I sent them cancelled checks and was told they had not closed the old mortgage & inadvertently applied these XXXX payments to the old mortgage and could not fix it. I went to HUD they refused to correct it. I mailed the XX/XX/2015 check and they returned the check and proceeded with foreclosure. After 4 years the case was dismissed They then refiled a new foreclosure, I never got a hearing, never got to speak. I was never in default with nationstar. Im going to now lose my home Ive lived in for 20 years. My mortgage was paid down to XXXX. I filed multiple new loan modification papers and was always willing to pay my mortgage but they never even responded to them. 
I dont understand how I can get a modification Pay every payment and they can take the money and foreclose.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I want this information to be completely removed from my credit report, it does not belong to me. 


XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LoanCare, LLC (CA)

I hope this letter finds you in good health. I am writing to bring to your attention an issue regarding my credit report. Upon reviewing my credit history, I have identified an entry that appears to be inaccurate and is affecting my credit score adversely. I am writing to request the correction or removal of the late payment entry associated with my account. 

Below are the details of the late payment entry : LOANCARE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or LOANCARE customer service representative. 

Upon careful examination of my financial records, I believe there has been an error or misunderstanding regarding this late payment entry. I am confident that the payment in question was made on time, and I would like to request an investigation to rectify this discrepancy promptly. 

Maintaining an accurate credit history is crucial to my financial well-being, and I am committed to resolving any discrepancies promptly. I kindly request your assistance in investigating and correcting this matter as soon as possible. Once the investigation is complete, I would appreciate it if you could provide me with written confirmation of the actions taken to rectify the late payment entry on my credit report. Additionally, if there are any further steps I need to take, please advise me accordingly.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 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 2023-02-26
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. (OH)

My and my father 's credit reports have become mixed somehow and there are many discrepancies that need to be corrected my father and i share the same name and have had the same addresses, I am currently being charged with Identity fraud tho i never used his information and never attempted credit in his name or social security number many of my inquiries and credit lines are shown to be on his report this information is inaccurate and i am now being criminally charged though i never used his information. 

From XXXX XXXX to Current the inconsistency are overwhelming as the address i live at and the one he is at are not the same and the reports so that they are and they also list my email and phone numbers as well as my Business on his reports. 

Most of my paperwork pertaining to said information was taken in a search and XXXX thought no real probable cause was established other then hearsay from my father i need this to be resolved with the best efficiency possible to correct the issues and attempt to fight the current charges that are false and do to the reporting agency incorrect information gathering.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX Macys credit said that they will send me a letter in XXXX business days for my records the letter was to state that I have been removed from their company as an authorized user as per my request since XX/XX/XXXX they stated to me that I am no longer an authorized user since XX/XX/XXXX my mother is the account holder and she had to make several requests for them at that time to get me removed initially I was informed again in XX/XX/XXXX while I was working with a veterans mortgage servicing company that Macys was still appearing on my credit reports as an open account although they tell me on the phone that I am no longer an authorized user since XX/XX/XXXX I would like for them to report the correct information to the credit agencies they have been reporting false information for 12 months and me and my mother who is the account holder have called them over XXXX times now they keep saying that a letter will be sent to us stating that the problem is corrected and no letter ever appears they also state that the credit agencies have been informed to remove me as an authorized user since XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 2023-10-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I have XXXX vanilla gift cards one card I activated it had a XXXX XXXX  balance and it was used at a target not by me. I believe it was used on the XXXX of XXXX. I got another XXXX XXXX  gift card and it came with the last XXXX digits scratched off as if it was scratched off with a key and It is still in my possession but I can't activate it or check my balance. After doing research this is a big problem going on that many people dealt with either the fraud or the serial number scratched off. I have got in contact with vanilla customer service and its hard to understand them because they are from over seas also they ask for too much personal information like pictures of my id it is not a trust worthy customer service so I refuse to give them personal information.
Consumer complaint received 2023-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I unwittingly fell victim to a deceitful scheme involving my sister 's PayPal account. Someone gained unauthorized access to her account, assuming her identity to deceive individuals like myself. In good faith, I transferred {$3000.00} to what I believed was my sister 's account, unaware that it had been compromised. 

Upon discovering the scam, I immediately contacted PayPal to rectify the situation and requested the cancellation of the transaction, seeking reimbursement. However, they directed me to contact my bank, XXXX, to reverse the transaction. Despite initiating a claim with XXXX and their assurance of a temporary credit during their investigation with PayPal, they regrettably denied my claim within a few days without providing the promised temporary refund. 

I have yet to receive a detailed report from XXXX regarding their investigation. It appears they did not thoroughly verify my claims or contact PayPal to substantiate the situation. Presently, both PayPal and XXXX acknowledge the fraudulent nature of the incident but claim their inability to remedy it. Consequently, I've incurred a loss of {$3000.00} along with sending fees totaling {$92.00}. 

This experience leaves me disheartened as it seems neither PayPal nor XXXX has taken sufficient measures to safeguard users or assist victims of such scams. There's an evident need for PayPal to enhance its account security measures, ensuring rigorous identity verification protocols.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (DE)

Completed new checking account application and paid {$50.00} opening deposit. Account was flagged as fraudulent. Instead of Truist Bank returning my opening deposit to the original payment method and closing the account. Truist kept my {$50.00} opening deposit and sent me a debit card that can not be activated.Truist has charged a monthly {$12.00} fee to the account until it now has a negative balance of - {$34.00}. I get monthly statements to an account I have no access to and am unable to get my opening deposit back from Truist. I have been trying for several months to no avail.
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX phone # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX has reported a collection notice on my XXXX  Credit report in the amount of {$6000.00}. 

The collection has been reported as a past due amount. Which is not reflected on my credit history anywhere EVER. I don't know who this company is and have never done business with them. 

This company does not have any contract with my signature.
Consumer complaint received 2023-08-14
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. (OR)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-14
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. (IL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

I received two digital American Express Reward Cards ( totaling {$150.00} ) through my employer fitness program and am unable to make any purchases online with them. I have attempted purchasing directly with the card number as well as indirectly with XXXX XXXX and XXXX. Additionally, I am unable to add the card to XXXX to attempt purchasing with them. I have also attempt to contact the company through the number they provide, but do not receive any method to speak with an individual to resolve my issue.
Consumer complaint received 2023-11-24
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Onity Group Inc. (FL)

My mother passed on XX/XX/. Her home was sold on auction 2 years ago. We have not seen a dime of this money and it is getting ridiculous. The home was sold for over XXXX and she only owed roughly XXXX. Her estate has not received any of the money that it was supposed to receive. At this point if I do not hear from someone today regarding this matter, then I will initiate complaints with CFBB, XXXX  and Attorney 's XXXXXXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

In your response to case number XXXX Please identify the rep who prepared the document conveniently the name is missing why did that happen? 
Additionally it appears you've been sending XXXX XXXX documents on my case tell me when that commenced and who ordered you to send XXXX XXXX documents send me any subpoena any summons any letters correspondence emails between you and XXXX XXXX at any time during this mortgage