davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
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)

After I have called the credit reporting agencies a couple of times and had representatives hang up the line while placing me on hold. I am not moving a step further to get remedy for being violated. This is just a courtesy complaint to allow the credit reporting agencies a chance to fix what they have messed up before I go straight to US district court to collect remedy. I have accounts listed such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXXXXXX and XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX that are not mine and I require that they be removed. I tried to giving an oral and written instruction to the CRAs so now this is my written instruction in this complaint. I require that you remove and correct all I have listed in this complaint. You are currently in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-10-15
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. (NC)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-04-11
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  accounts XXXX 30 day late payments on XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 it aslo states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (VA)

I had a mortgage with Nationstar initiated in XXXX, and refinanced in XXXX. However, Nationstar is now owned by Mr Cooper. Mr. Cooper can not seem to identify any of my historical mortgage documents regarding the loan prior to its refinance with a different company when I call their service representatives on the phone. They do not respond to emails sent to XXXX, which is what the customer service representatives recommend to do. 

I tried calling a Mr Cooper service representative, and he indicated that he checked Mr Cooper, XXXX, XXXX, and XXXX, and although he was able to identify the property he could not access the loan number or documents.
Consumer complaint received 2021-12-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (OH)

I, XXXX XXXX XXXX, give authorization for Nelnet to move forward with this complaint. 

I, XXXX XXXX XXXX, a natural person, signed a negotiable instrument, a promissory note, with FAFSA ( Free Application for Federal Student Aid ) on XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for Eastern Michigan University. 

An negotiable instrument is a " note '' if it is a promise and is a " draft '' if it is an order. If an instrument falls within the definition of both " note '' and " draft, '' a person entitled to enforce the instrument may treat it as either pursuant to UCC - 3-104 ( e ). 

I am acting in good faith that I signed an negotiable instrument and accord and satisfaction by use of instrument. Pursuant to UCC 3-311 Accord and Satisfaction by use of an instrument, that " If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, the following subsections apply. '' Pursuant to UCC 9-102, a " Promissory note '' means an instrument that evidences a promise to pay a monetary obligation, does not evidence an order to pay, and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. Nelnet ServicingXXXX a bank, is reporting on my consumer credit report of alleged debt that I signed an negotiable instrument for repayment. 

Where did Nelnet get the evidence of an order to pay or when did they receive the deposit of money or funds?
Consumer complaint received 2021-09-22
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. (MI)

After me contacting each bureau personally and creditor personally I do not see an update on my credit report. I contacted the creditor month ago XXXX regarding why a student loans was reporting not 100 % creditor then stated that everything was paid and the bureaus made a mistake on there end. Contacted the bureaus and they confirmed that they will dispute and update it they never did! They lied and keep reporting false information on my report which is against the Fcra section 609. There are wrong balances and payment dates and amounts please fix this issue ASAP I shouldnt have to wait on yall when yall going against multiple laws It was never a response! They never responded to me! or updated anything
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I had a loan car lease with J.P.Morgan Chase. I paid my final payment of {$400.00} in XX/XX/XXXX within the month that it was due, however a non payment record went on my credit report. When I realized it was on my report in XX/XX/XXXX I called Chase. They verified that the payment was made, questioned why it even made it to the report and said they would contact the credit bureau to have it removed. I also asked for a letter to be sent to my home address stating that the loan was paid for during XX/XX/XXXX in which they said they would. This was necessary as I was in the middle of purchasing a home and needed proof of clearance. XX/XX/XXXX I still didnt receive the letter so I called Chase again. They reassured me that they reported the correct info to the credit bureau, that I'd have to wait 30 days for it to update and that they would send me the letter I had been waiting for. Two weeks later I received the letter, however it did not mention anything about properly paying the loan in XX/XX/XXXX on time. It said the account was closed and paid in full. In XX/XX/XXXX not only did Chase not send me the proper letter they sent one stating that they reported the correct info to the credit bureau. During this time of calling each month and being told to wait 30 days for an update my credit report has dropped 100 points, and states that the car loan was paid in full after collections and closed the account as of XX/XX/XXXX. This is very unprofessional of them and I shouldn't have to wait another 30 days to improve my credit score for their mistake.
Consumer complaint received 2020-12-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IN)

Harris and Harris calls a couple times a week and when I answer and say hello no one says anything back or the phone only rings once and hangs up. Today ( XXXX-20 ) somebody spoke back. I told the person I did not know what this was in regards to and she told me I could get ahold of the medical facility to find out and hung up on me. 

I called back and spoke with someone else and she said they could send an itemized bill and I said that would be great because I did not know what this was in reference to. And she proceeded to tell me this was going on my credit report and I told her that I knew that because I saw it, and she rudely said, " you go ahead and keep talking because I am not going to talk over you ''. I then asked to speak with her manager where I was kept on hold for roughly 8 mins. She then got back on the phone and asked if I wanted to continue to wait because there was not a manager available to talk to and then she said, oh Mr. XXXX is available you can speak to him. Put me back on hold where I waited for approximately 2 more minutes and the phone began to ring and then went back to hold music.. I waited for about 2 more minutes before hanging up.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (AR)

I tried to obtain a XXXX XXXX card 3 different times ( since XXXX ) and they said that a company declared me as deceased. I wrote to XXXX XXXX and filed a claim ( CFPB ) that resulted in the discovery that Lexis Nexis is the company responsible for the incorrect information in their files. I have written to Lexis Nexis along with sending all the information that I sent to XXXX  XXXX to prove that I am not deceased. Also, according to XXXX XXXX, they also reached out to Lexis Nexis to let them know that the incorrect information came from them.

I have not received any correspondence or call from Lexis Nexis concerning this issue. I want them to correct my file and to tell me who is responsible for this information that they have in my file?
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (VA)

I called on XX/XX/2021 and reported XXXX charges that I have attempted to cancel for years. I was advised by Conduent that I had to cancel my credit card and they would waive the fee because the only to challenge the merchant is to complete a fraud report and change my card number. I advised the rep that I refused to pay the fee because it was the bank that decided to change my card number and she advised me the fee would be waived. After checking my statement and calling the call center on XX/XX/2021 I was notified that the fee would not be waived and there was nothing that can be done about it. This is deceptive and misleading. Also the denial of a disputes claim and being forced to file a fraud claim is violating the terms and conditions that I agreed to before I began using the card. I have also not received the documents nor the credits for neither the fraud or dispute claims. I am a requesting the documents for all my claims, the replacement card fee to be waived and the credits for the charges that I have been charged. As a government program to provided child support it is a shame that I have to go these measures to protect the money that I had to fight to receive for my children. I have not made a claim on this card since I have had it and to be treated unfair is shocking. I believe I have been discriminated against.
Consumer complaint received 2022-08-23
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)

I initiated a claim on XX/XX/2022 with Bank of America due to my debit card and information being stolen. This includes my identification, PIN, etc. The claim is for transactions totaling {$1300.00}. Bank of America is rejecting my claim from this fraud that was done to my account because they believe the charges were done by me or someone authorized to use the account. I have told them already that nobody but myself is authorized to use this account or my debit card. I had not signed any receipts with my signature personally and with my ID card and PIN which was in my wallet as well, anybody could access this information and forge my signature or get into my account. I have NOT authorized any single one of these charges.
Consumer complaint received 2021-12-17
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. (PA)

I am XXXX that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment. 

Account : XXXX XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Also why is there a payment history reflecting on a closed account. Last payment for this account was made on XX/XX/XXXX, so how it is possible your company have payments showing for years XXXX, XXXX and XXXX? 

In this complaint accompanies a copy of the " illegal late payment- history '' for years XXXX, XXXX & XXXX reporting on my credit profile for an account that is closed and have been since XX/XX/XXXX. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CA)

Hi there, 1. I have contacted Guaranteed Rate ( XXXXXXXX XXXX XXXXXXXX or XXXX ) as I have made two payments to them in regards to my newly opened mortgage. The payment I made was was from a payment coupon I received from Guaranteed Rate however both my payments were not correctly applied to my mortgage. I have called in to have them correctly applied however they have only applied one mortgage payment. I've been trying to get a confirmation that both my payments have been applied.

2. My mortgage was sold to another provider - XXXX XXXX XXXX XXXX XXXX however when I call them ( XXXX ) they have no record of my mortgage being transferred to them from Guaranteed Rate. In addition, the mailer I received from Guaranteed Rate indicates that my mortgage has been transferred with the original principal balance meaning no payments that were made by me were applied correctly. 

3. After countless calls and emails, no one can tell me where my next payment is due. Guaranteed Rate noted to me that I can not make my XX/XX/2021 payment to them since my loan is transferred to XXXX. When I call XXXX, they have no record of my account with them even when I provide my name, SSN, or property address. I don't know who to make the payment to.
Consumer complaint received 2022-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (GA)

I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on my credit report.
Consumer complaint received 2021-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WA)

In XX/XX/XXXX I went to the XXXX  store to find out about their monthly plans. The salesman was pushy and aggressive. I repeatedly told him I did not want to sign up and left the store empty handed. I did not receive any phones. Two months later in XX/XX/XXXX I started receiving a XXXX  bill. I called them and told them I Didnt get any phones. I was told that they verified I had in fact not gotten any phones and they would close the account and I would not get any more bills. In XX/XX/XXXX I saw XXXX  on my credit report for XXXX so again I called them. They said that no I did not get the phones and they took it off my credit report for 6 months. Then in XX/XX/XXXX it was back on my credit report. I repeatedly called XXXX  and every time was told that no I Didnt get any phone and they would get it off my report. The most recent time was XX/XX/XXXX. XXXX is very aware of the fact I Didnt get any phones and refuses to take this off my report for good. They say they will and they dont.
Consumer complaint received 2021-09-22
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. (TX)

On XX/XX/XXXX I noted my credit score dropped by 53 points from XXXX to XXXX as reported to XXXX XXXX by Equifax. The 'see what changed " portion of the credit summary stated only that a " Remark Added to Account '' was done by " XXXX XXXX ''. Review of my full credit report that day showed no such comment and there was no other justification for any drop, much less a 53 point score drop. Indeed, my XXXX score increased from from XXXX to XXXX on XX/XX/XXXX. So I called Equifax and they were also unable to provide me with an explanation to justify the credit score drop. I opened a complaint with them - # XXXX. 

I then opened a concern with XXXX XXXX via their app. They came back to me with an email saying only that they noted a comment by XXXX as the only change on my report. They suggested I contact XXXX or Equifax for more information. 

I then contacted XXXX ( on XX/XX/XXXX ) by the phone # listed on my Credit Report. They confirmed that no change was made to my credit report by them. Only that they had suspended my account while they investigated a dispute of the last paid date which I filed last week. ( XX/XX/XXXX ). This disputed the date I last paid on the acct which was in XXXX, which I incorrectly took to mean the date the account was last paid on time. So they found via their investigation that no change to my report was needed - and they told me they made no change to my report. I asked their ( Credit Dept ) representative what XXXX may have done to cause a 53 point drop in my credit score with Equifax- and they replied that they made no other or new comment on my report.

So what has caused the 53 point drop in my credit score with Equifax? What justifies that when all of my credit activity has been favorable for years and my scores have been steadily increasing?
Consumer complaint received 2021-09-22
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. (FL)

AS I LOOK AT MY REPORT, I NOTICED THE FURNISHER REPORTED THE ACCOUNT WITH INNACURACIES. I TOOK ACTION BY WRITING THE CREDIT BUREAU TO LET THEM KNOW ABOUT THE INNACURACY OF THE ACCOUNT AND ASKED THEM TO REMOVE IT. I SENT AN INVESTIGATION LETTER ON XX/XX/2021, I NEVER GOT A RESPONSE. I SENT ANOTHER LETTER CERTIFIED IN THE XX/XX/2021. THEY RECEIVED IT ON THE XX/XX/2021. AGAIN 30 DAYS PAST THEY NEVER REPSONDED TO MY INVESTIGATION. I AM DEMANDING FOR THIS ACCOUNT TO BE DELETED IMMEDIATELY FOR NON COMPLIANCE
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (HI)

I feel sure that you have heard from others with this problem but I am unable to get any assistance from the companies involved after over XXXX hours of trying. Along with scores of other XXXX XXXX, my XXXX XXXX XXXX card was transferred to Barclay 's XXXX in XXXX. I received the new Barclay 's cards and when I tried to activate them I eventually determined that my birthday was incorrectly transferred. I am unable to access this account despite multiple " specialists '' hearing my problem. I want to pay off the transferred balance of {$260.00} and close the account. 

Nobody seems to want to help me at Barclay 's or XXXX and this balance will soon come past due, accrue finance charges and impact my XXXX XXXX. I have not had a late payment on any account in over XXXX years and this is infuriating as I know how difficult it is to change something on a credit report even if it was not the individual 's fault. 

Another concern about this is that after reading social media comments from others who have similar problems, most people think that not activating the card will close the account and solve the problem. This is a serious issue that is impacting hundreds if not thousands of people. I really do not know who else to turn to and I hope you can help.
Consumer complaint received 2021-09-22
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. (MI)

Three months ago I received your correspondence on this alleged account stating your verified /updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character Accounts : XXXX XXXX accounts three reporting - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.