davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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. (IL)

I have submitted multiple complaints and examples of incorrect information for account XXXX XXXX, and it keeps coming back verified and updating improperly which is in violation of the FCRA the account shows charged off every month starting XX/XX/XXXX and continued through XX/XX/XXXX which is a violation of continuously updating a charged off account also its reporting multiple 60-day late payments in consecutive months XX/XX/XXXX and XX/XX/XXXX with no data following for the next 3 months. this inaccurate information falsely manipulates my credit worthiness and is hurting my ability to obtain credit Equifax has failed to investigate this account properly after I have repeatedly asked to be corrected this neglect once again violates my consumer rights, I am demanding a deletion of this account XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-04
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. (IL)

I recently received a copy of my credit and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account XXXX XXXX XXXX XXXX is not only listed as being OPEN, but also as having a PAST DUE balance of XXXX on XXXX accounts .This is a violation of FCRA and is in violation of requisite XXXX compliant reporting standards. 
According to fair credit reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing compliance with all XXXX reporting standards and this account removed upon completion.
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-04
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)

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 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

Ensuring that payments are always made on time for this account has been a priority, ensuring they never slip into arrears. I'm unclear as to why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (GA)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2018-08-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (NC)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, including but not limited to Specialized Loan Servicing, LCC ( SLS ) and all unauthorized mortgage assignments affiliates are reluctant to address my concerns explaining in detail the fraudulent mortgage assignments of why and how these assignments took place without an official POA for each assignment. These assignments some recorded and some were not recorded without my knowledge without the originators written authorization to do so, since the original originator business dissolved years prior. 

XXXX XXXX XXXX XXXX will not address my concerns and informing me to contact an entity ( SLS ) that they have no affiliation is alarming ( see attachments ).  Since XXXX  recorded on my deed as " grantor '' without authorization from an official representative and POA from XXXX XXXX  that dissolved is of great concern without answers from SLS and all of the chain that executed assignments without merit. 

Since XXXX XXXX XXXX XXXX is very aggressive with confirming holding a fraudulent lien on my property and rushing to accept and assign unauthorized mortgage assignments without holding responsibility for any liability, my concern why is SLS and all of the chain of affiliates reluctant to address all of the unauthorized mortgage assignment of discovery? I request that all parties ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX, XXXX XXXX ) be accountable in referencing the attachment on pages 5,6,7, & 8. Under a microscope, initiating with XXXX up to XXXX ( unidentified representatives ) states in fact that XXXX XXXX XXXX XXXX executed and authorized XXXX as Power of Attorney as its Servicer & Attorney-in-fact on XX/XX/2016.
Consumer complaint received 2021-01-11
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-04-04
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. (IL)

Equifax reporting XXXX XXXX XXXX accounts # # XXXX {$700.00} # # XXXX {$500.00} XXXX XXXXXXXX XXXX XXXX Hard inquiry XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX # # XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX il XXXX XXXX XXXXXXXX XXXX XXXXXXXX il XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  # XXXX closed XXXX {$640.00} XXXX XXXX XXXX  accounts # XXXX {$530.00} # XXXX {$1500.00} # XXXX {$690.00} # XXXX {$570.00} # XXXX {$1900.00} # XXXX {$1000.00} # XXXX {$1500.00} # XXXX {$700.00} # XXXX {$500.00} XXXX soft inquiries XXXX XXXX closed All of this DOES NOT BELONG TO SAID COMSUMER XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Equifax is reporting several inaccurate accounts on my credit report. 
I have made multiple attempts to have my information corrected on my report along with requesting original contracts and wet signatures and that information has not been corrected The first account is XXXX auto loan ( attached ) the terms state XXXX but it is reporting as a auto loan. This account is not mine and asked that it be removed from my credit report XXXX XXXX XXXX ( attached screen shot below ) being reported 30 days late as auto loan Under terms it states XXXX and in comments it states a auto fixed rate on other reports it is a ballloon payment I no longer have a contract with XXXX as the car was paid off in full XX/XX/2022 by XXXX. XXXX did not honor thier payout agreement with XXXX which does not automatically default to XXXX terms, requested this account be removed immediately XXXX XXXX XXXX is reporting a open collection in the amount of XXXX as late 120 days. A collection can not be late and I have never had a contract with XXXX XXXX XXXX. Requested validation of this debt and Equifax has yet to provide ( see inaccurate reporting attached ) XXXX is reporting open derogatory account in the amount of XXXX. The last reported date is inaccurate and payment status is reporting charge off collection for which an account can not be opened and charged off. I requested validation of this debt with wet signature and company failed to provide. Requesting this account be removed. 
XXXX  is reporting open derogatory account in the amount of XXXX. The last reported date is inaccurate and payment status is reporting charge off collection for which an account can not be opened and charged off. I requested validation of this debt with wet signature and company failed to provide. Requesting this account be removed. 

XXXX XXXX is reporting installment account with payment as XXXX and a charged off. This account is reported incorrectly. I have no record of this account and requested this be validated with wet signature and have not been given thar information to date. 

XXXX, i have No knowledge of this account and requested this be validated and Was not given validation There are multiple inquiries under dispute as a result of my name being spelled incorrectly and credit being pulled without my knowledge Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently received a copy of my credit report, and I noticed some inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (WI)

I had a small business that failed. I had a company credit card that all employees used. It was my fault that employees took advantage of my business in this way by making liberal and unauthorized purchases on the credit card. But, this was a business credit card, not a personal credit card and Chase Bank is treating it as a personal debt when it was not a personal debt. I feel that if this will affect me personally, then the employees that used the credit cards should be affected personally also. 

After I sold the assets, the business paid or settled the remaining open debt balances. This business Chase credit card is being attached to my personal credit report even though I never signed a personal guaranty for the credit card. Chase Bank harassed and called me daily to pay the balance on the credit card back in 2020. Since it was affecting my personal ability to move on in life and have access to credit again, I offered Chase a settlement. I paid the amount we settled on personally and they were supposed to remove the record from my personal credit report. They have not done it and recently I was denied credit and this was a major reason for the rejection. This poor history on my personal credit report that should never have been reported there but to XXXX XXXX XXXX, is causing me harm in my personal life.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2023-10-30
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: WELLS FARGO & COMPANY (CA)

Between XXXX and XXXX my car loan payments weren't being autopayed from my other bank account. I have a car loan through Wells Fargo that should have been set to autopay. It was set to autpay ever since 2021 and not sure why I was notified so late thereafter the fact my account was late. It has docked me over XXXX points. I'm asking in good faith for a good will adjustment from Wells Fargo but I have yet to hear anything back.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NY)

On XX/XX/2019 I applied for a personal loan from One Main Financial. I was approved for the loan but was told I could not receive the money unless I purchased pet insurance. So I had to purchase the pet insurance then I was given the loan. I was also told that my interest rate was going to be 19 % and I would be able to pay off my loan earlier if I was able to. After I signed the documents they changed my interest rate from 19 % to 24.75 %. I called One Main financial XXXX yrs later to payoff my loan and I was told that I have to pay 2 more years of interest first before they would give me a payoff amount. So it took 4 years and 6 months to payoff my loan.
Consumer complaint received 2017-10-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NATIONSTAR MORTGAGE LLC (SC)

This is is complaint involving the communication practices and loan mismanagement by Nationstar Mortgage LLC d/b/a XXXX XXXX XXXX XXXX is a service mark of Nationstar Mortgage LLC. I recently took over the home from my mother who XXXX XXXX in XX/XX/XXXX. I am the owner and occupant of the home in XXXX XXXX  SC. I was going through a loan modification, in which I made all the normal mortgage and trial payments through XX/XX/XXXX The new terms took effect onXX/XX/XXXX, and I made the XX/XX/XXXXpayment on XX/XX/XXXX. We were never informed that there was more documentation being sent out to be signed, which we never received. We received multiple phone calls and they never left a message stating this matter. I called back these phone calls ( that were made during work hours ), and all they mentioned was that we continue to make monthly payments. I was in the middle of trying to sell my home, and I called in XX/XX/XXXXto make sure the payoff balance was still the new terms of $ XXXX versus the old terms of $ XXXX. They loan specialist said yes, and that I can request the payoff balance at any time. I was in the middle of finalizing terms with a buyer, and I noticed that they are saying the account is past due sinceXX/XX/XXXX, and that the terms are back up to the $ XXXX  balance. I spoke with an agent who said he could send a notary service out to expedite the signage of the trial modification documents on Friday, XX/XX/XXXX. However, I spoke with an agent and her supervisor onXX/XX/XXXX, and she said the loan modification was marked as rejected onXX/XX/XXXX She went on to say there is nothing they can do, and that I would need to speak to an investor. I asked if she had a contact for this investor or to state my case, and she told me to XXXX them. I asked if she can repeat that and provide me the contact she has, and she went on to say that they do not have that information and that she could XXXX it for me. I have been dealing with this matter for over a year, and my frustration levels are extremely high. This is highly unprofessional, unethical, illogical, and asinine. They way they conduct business is outrageous, and I truly believe their business practices should be audited. We are looking into other ways to remediate this situation
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The vast majority of the debt " I owe '' as I either never authorized the transactions or never received for goods I paid for. 

XXXX. Unauthorized transactions : There were several web services transactions I never authorized as it would have been impossible for me to authorize because these services require internet connection : it was impossible for me to access internet during those transaction dates. There were initial charges that were reversed as Bank of America deemed them as XXXX. 

- These charges totaled {$13000.00} and only {$5000.00} were reversed : leaving my account with a remaining balance of {$8400.00}. 
- I have requested the Bank for the full XXXX digit transaction numbers to the transactions as well as dispute the charges. After requesting the bank several times for the full XXXX digit transaction numbers, I still have not gotten them. 
- I have also provided the bank with proof showing it was impossible for me to access these services as well. 

XXXX. Goods never received : I have purchased goods from a vendor who is current going through trial for wire XXXX ( said to have run a Ponzi-like scheme ) : transaction total {$4000.00} - Have provided Bank of America with article ( XXXX ) regarding the vendor and its owner.
Consumer complaint received 2017-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Working with servicer, XXXX, to modify XXXX XXXX XXXX XXXX loan. Their reinstatement notice states that payments were not received between XXXX XXXX and XXXX XXXX, which is erroneously reflected in the modification principle balance of {$140000.00}. However, USPS records show that all payments were received and signed for and bank records reveal that four of the six payments received were deposited by Nationstar. Nationstar failed to credit the payments received below as of the date of receipt : Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o USPS Certified Mail confirms payment was received by XXXX XXXX on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o USPS Certified Mail confirms payment was received on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a Temporary Payment Program ( TPP ) payment as outlined in Nationstars TPP offer dated  XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX As of date of reinstatement letter, another payment of {$1200.00} was remitted on XXXX XXXX, XXXX. 


Of the 7 payments submitted over the past 7 months, all 7 have been received and 4 have been deposited and it is anticipated that the XXXX payment will be also deposited. Accordingly, the principle balance should reflect aforementioned payments before continuing with executing modification.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I called customer service to open XXXX disputes on my debit card ending in XXXX for merchandize not received under the case numbers XXXX ( approved ), XXXX ( approved ). 
XXXX and XXXX both transactions were denied without any reason. 

All XXXX transactions were made on the same store on the same date and for the same product. The seller never provided the items. All is the same situation and case. 
All the documentation requested was sent by fax on XX/XX/XXXX, XX/XX/XXXX and for the XXXX denied claims the information was sent for third time on XX/XX/XXXX.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TN)

Took out a loan with one main financial They upgraded my loan to upscale without my knowledge stating they would not grant the loan if I didnt approve and then They repossessed my XXXX. 

The amount was XXXX dated XX/XX/2019