davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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)

Subject : Formal Grievance Concerning Reappearance of Unauthorized Credit Inquiries and Prohibition of Account Access To Whom It May Concern, I am submitting this formal grievance to articulate profound discontent regarding egregious discrepancies in the handling of my Equifax account, demanding immediate elucidation and remediation. My credit report now exhibits an inexplicable proliferation of unsolicited inquiries. Over the course of the past year, I meticulously preserved documentary evidence, including screenshots, verifying that my credit report was devoid of such inquiries. Nevertheless, these inquiries have inexplicably resurfaced, prompting grave concerns about Equifax 's data integrity protocols and the stewardship of my personal credit profile.

Moreover, I am now unjustly impeded from accessing my Equifax accountan account for which I dutifully remit monthly feeseffectively obstructing my ability to scrutinize and safeguard my own financial standing. This exclusion is unconscionable, and I am demanding an unequivocal account of why my access is restricted to a service for which I am a paying subscriber. Such actions are not only obstructive but also infringe upon my fundamental rights as a consumer.

In addition, Equifaxs customer service representatives have consistently provided misleading, and at times, wholly contradictory information. These discrepancies have not only contributed to my frustration but have also undermined any semblance of trust in Equifaxs operational transparency and accountability.

In light of the aforementioned grievances, I am formally requesting the following : An exhaustive investigation into the underlying cause for the reappearance of these unauthorized inquiries on my report, accompanied by a comprehensive breakdown of Equifaxs data validation and quality control mechanisms.

Immediate restoration of unrestricted access to my account, with a forthright explanation as to why my access was summarily revoked from a service to which I subscribe and financially sustain.

A cogent, systematic response addressing how Equifax intends to rectify these malpractices and detailing corrective actions to prevent further miscommunication and dereliction of customer care by your representatives.

I anticipate a prompt and meticulous response. Should this issue remain unresolved or inadequately addressed, I will pursue escalation through the Consumer Financial Protection Bureau and consider further recourse to enforce my rights.

Thank you for your immediate attention to this significant matter. I expect a resolution posthaste. 

Confirmation number : XXXX. XX/XX/year> Confirmation number : XXXX XX/XX/year> Confirmation number : XXXX XXXX. XXXX. XXXX
Consumer complaint received 2022-06-30
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. (TN)

On XX/XX/22 I sent a letter to the companies listed on letter asking them do they report accounts to the credit bureaus, they stated that they do not via letter. So if thats the case how the XXXX did they verify " my '' accounts as accurate. They never did a FAIR INVESTIGATION ACCORDING TO 15 USC 1681. 15 USC 1681 SECTION 603 NUMBER 3 E STATES THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPRESENTATION, PERSONAL CHARACTERISTICS OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THR CONSUMER REPORT ON OR WITH OTHERS WITH WHOM HE/SHE IS AQUANTED OR WHO MAY HAVE NOT JUST CONCERNING SUCH ITEMS OF INFORMATION. How was a proper investigation done? It wasnt.There are addresses that have not been removed from two of the 3 bureaus when they should have. The credit bureaus have violated my given rights under 15 U.S.C 1681 according to 15 U.S.C 1681 section 602 states that I have to privacy, also according to section 15 USC 1681section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1681 s2 a1 a person should not furnish any information relating to a consumer to any consumers reporting agency if a person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2020-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I am writing at this time to once again request that you address a complaint regarding my mortgage company, Specialized Loan Servicing, LLC ( SLS ) that I initially brought to your attention on XX/XX/XXXX. The case number for that complaint is XXXX-XXXX. I provided you with extensive documentation to support my complaint that you appeared to completely ignore. When you contacted my mortgage company, it responded by tossing-up a smoke screen full of irrelevant information that you readily accepted, and then closed my case. I responded to my mortgage company 's response, which made absolutely no difference to CFPB because nothing was done. When I again contacted CFPB to request that you address my complaint and the mountain of information that I provided, I was told that my initial case could not be reopened, but that I was welcomed to open a new complaint. Therefore, I am doing exactly as CFPB suggested and submitting yet another complaint. 

If you read my initial complaint, you will see that I filed the complaint because Specialized Loan Servicing purchased a hazard insurance policy for my home without my permission, although I have repeatedly informed the company that I have a policy. SLS also created an escrow account for the hazard insurance that it purchased, again without my permission, and has attached it to my mortgage. I refuse to pay XXXX XXXX  for the policy that Specialized Loan Servicing purchased because as I have repeatedly stated, I have my own policy. 

As I stated in my original complaint, I have provided Specialized Loan Servicing with the Declaration Page for my hazard insurance on multiple occasions and I should not have to continue to do so because of its poor record keeping. However, to bring this matter to a close, I am providing you with the Declaration Pages for my hazard insurance policy from XXXX to the present, which my insurance company readily provided to me upon my request. My hazard insurance provider would have done the same for Specialized Loan Servicing, if it had ever bothered to do its job and simply requested the documents. As you can clearly see, I currently have a policy and I HAVE ALWAYS MAINTAINED A POLICY. Contrary to Specialized Loan Servicing 's repeated lies, my policy has NEVER BEEN CANCELLED.
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

XXXX XXXX transferred to Loancare. My XXXX grace period terms have not changed. 

Loancare trying to charge late fee. 

Sent to Loancare below.

Payment/Statement Inquiry, Remove the {$10.00} late fee. See XXXX Transfer Document. Terms of my agreement, due dates, grace period have not changed. I have until the XXXX of every month to make payment. I did not inherit a new agreement with Loancare when transfer took place.
Consumer complaint received 2019-11-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

Continuous disregard of applying my payments correctly..last complaint they applied both payments to principle only, I called and eventually they corrected their mistake and I paid a late fee due to their mistake. XXXX XXXX mortgage has been paid, one payment applied to principle and the other floating in unapplied funds. {$670.00} pd on XX/XX/XXXX and {$670.00} pd on XX/XX/XXXX both payments cleared the bank.
Consumer complaint received 2020-06-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

In XXXX, I applied for a refinance for my FHA mortgage with my mortgagee ( Wells Fargo ). I paid {$500.00} to have an appraisal done on the property ( XXXX XXXX XXXX XXXX XXXX, XXXX ). 

On XX/XX/XXXX, Wells Fargo send me a letter of " Notice of Action Taken and Statement of Reasons. '' At the time I had a credit score of XXXX, an income of $ XXXX/year for the last 5 years, and had NEVER missed a mortgage payment to Wells Fargo for over 13 years. I can verify these statements. 

The letter informed me that Wells Fargo had considered the credit application and was unable to approve it for 2 reasons : 1. Issues with the propertys title can not be resolved at this time ; 2. Occupancy of residence cant be verified. 
I responded to their issues by noting.The deed was in my sons name only and asking why that is a problem since only my name remains on the mortgage? 
Why they could not verify my occupancy since I had lived at that property for the last 13 years and had submitted all my utility bills to Wells Fargo verifying my residence at the propertys address? 

Since Wells Fargo refused to refinance my mortgage for no other reason ( other than the profit they continued to make by my making higher mortgage payments of {$1700.00} ), I was unable to maintain payments and went into the foreclosure process. 

Foreclosure mediation was started by Wells Fargo on XX/XX/XXXX. The start of the foreclosure process by Wells Fargo now had no issues with my sons name on the property deed. 
Wells Fargo offered me a mediation plan which lowered my mortgage payment to {$1100.00}. This is a payment I could have afforded a year ago when they denied my application for refinance. 
But by allowing me this lower mortgage payment, they added on over {$60000.00} as a second lien to the property. Adding on this excessive amount to the mortgage now places the property ( appraised at $ XXXX, with a {$230.00} mortgage XXXX way above market value at $ XXXX. 

My complaint with Wells Fargo is : 1. I believe it is unlawful and unethical for Wells Fargo to deny a financially eligible customer ( i.e., XXXX credit score, $ XXXX annual income, and no missed mortgage payments for over 13 years ) a requested refinance for no legitimate reason ; 2. I believe it is unlawful and unethical for Wells Fargo to add on over {$60000.00} to the mortgage as a second lien in order to maintain continued payment by the mortgagor with an inflated and usurious charge containing excessive and arbitrary fines and fees, and which now places the property thousands of dollars above market value. 

I am asking Wells Fargo to give me the refinance option I originally applied for with the current lower interest rate and the present payment of {$1100.00} which I can afford and to remove the excessive and usurious fines and fees of {$60000.00} added as a second lien to the property.
Consumer complaint received 2021-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (TX)

Traded in a vehicle a month ago. Check was sent to US bank from the dealership for the total value of the trade in. Due to the timing, I had to make a car payment on the car I traded in, since they did not receive the trade in payment. No big deal, I was told I would get a cashier Check for the different later on. 

The trade in check was delivered and signed for two weeks ago and still has not been reflected on my account. 

I have called on 5 separated occasions to try and get an update on when I could expect the check to clear and to try and get an update on if the check has been processed. Every time I have called I have been told to call back in a few days and that there is no way for the Check clearing process to be tracked on their end. At this point it has been almost a month and I will have another car payment due for a car I haven't owned in a month.
Consumer complaint received 2020-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (NJ)

Have a loan for XXXX XXXX XXXX, I financed the vehicle on XXXX XXXX the mature date for the loan is XX/XX/2020. I called to ask for the payoff date and amount. I was blown away they said over XXXX was the payoff. The total price I be paying for this car with 22 % interest rate is XXXX. The loan and interest rate seem a little over priced and only benefit the company profits. I like this matter to be look into and correct.
Consumer complaint received 2020-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (AZ)

ON XX/XX/2020 ; I paid {$580.00} to EOS CCA ( Collection agency ) and  they told me I would receive a written receipt in 3-5 days. As of XX/XX/2020 : I still have not received that receipt for my payment. These collection agencies are quick to take your money but have excuses for why they can't send a receipt at the same time of the payment ; and then you don't get the documentation you requested.
Consumer complaint received 2019-06-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company is 'Portfolio Recovery ', contacting me via my cell phone from XXXX. I have repeatedly told this company to stop contacting me about this debt that is >16 years old. They always call from unidentifiable numbers. I have sent them letters via certified mail, still, the calls continue. I use my cell phone for business purposes. I can't handle having these harassing calls continue year after year despite my every effort to get them to stop. If they do not cease I will take action in small claims court for every FDCPA infraction.
Consumer complaint received 2021-10-14
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

placed order on XX/XX/2021 using my citi bank credit care on XXXX company hilarious.top. order was set for three large items. Total charge was {$82.00}. Items stated they would take about 21 business days. XXXX after not receiving any updates. I reached out to the seller. I was not able to find working phone number and emailed the seller asking for update on the item. I received a tracking number and due to Covid was advised could take longer to receive from my postal serviceman. On XX/XX/XXXX I finally filed a dispute with Citi Bank credit services. In which a credit was issued back to my card during the investigation. On XX/XX/XXXX I received a letter regarding the credit being reversed. I was told to contact XXXX who in term directed me back to Citi bank. I explained I never received the package took off time to go to postal office requesting a print out of the tracking number. I also was advised by the postal service this was a light weight small package which goes to prove my point the seller did not ship the items I purchased. No ideal what became of the small package but the three items that was ordered would not have needed to be delivered to my unit or picked up in the post office. Neither of these where done. I requested Citi bank provide me validation information for the investigation which was completed and spoke with managers on more than one occasion but have not received.
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (NY)

A rep called ... Did not identify herself aggressively asking to speak to me. I said this was me and asked who it was. She said I am being recorded and am attempting to collect a debt. Confirm the last 4 of your social. I said I do not know you do I will not just give you my Ssn. So she said well I will just tell you what I have. Then asked for my address and when I said what is this about she never stated. Then claimed I was not cooperating and she would end the call. I told her to that then.
Consumer complaint received 2021-10-13
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I went into the Wells Fargo XXXX XXXX in XXXX XXXX, CA to assist a friend who is unbanked cash her CA gov't stimulus check. She is XXXX and is low income. The bank would not cash her check nor would it allow her to sign the State of CA issued check over to me so I could deposit and give her money out of my own funds. The manager XXXX was very rude and not helpful, and the employees of the branch were also very hard to work with. The lack of help the branch gave to someone who is unbanked and to me a customer for over 27 years was horrible. Wells Fargo does not care about low income people or those who are trying to help them in these tough times for many.
Consumer complaint received 2019-06-06
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: ERC (IL)

On XX/XX/XXXX, I received a notification from my credit monitoring service that a new collection account had been placed on my credit file. Upon investigation, I was able to determine that Enhanced Recovery was attempting to collect a debt from XXXX XXXX XXXX. I never received notice of this account in the mail to provide me with an opportunity to dispute it prior to it appearing on my credit report ( s ) as per FCRA guidelines. I explained to the representative, XXXX, via telephone on XX/XX/XXXX that this same account had been disputed as fraud with XXXX XXXX XXXX last year, and I had no idea why they would now attempt to send it on to a different collection agency for collection. XXXX stated that she would mark the account as fraud and collection efforts would cease by their company pending an investigation into the matter. However, she was unable to provide me with a date for when the information would be removed from my credit. I explained to her that I was in the process of seeking financing which was why I am watching my credit so closely. It is important to note that this is the only negative account on any of my three ( 3 ) credit files at this time. As such, this account is having a severe impact on my credit score. This account remaining on my credit file for any length of time will cause my family a severe undue hardship. As I never received notice of this account prior to its being placed on my credit file ( s ),  along with the fact that it was previously reported to XXXX XXXX XXXX as fraud, I need this account removed from my credit file ( s ) immediately. I can not wait 30-45 days for their investigation to conclude ; the update needs to happen now.
Consumer complaint received 2022-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS Federal fraud law is defined under 18 U.S.C. 10011 as knowingly and intentionally doing any of the following : Falsifying, concealing, or covering up by any trick, scheme, or device a material fact ; Making any materially false, fictitious, or fraudulent statement or representation ; I never asked for a release authorization form, I never signed a release authorization form, Nelnet never sent me a release authorization form, I never completed a release authorization form there fore Nelnet never received a release authorization form from me. 


( XXXX ) To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX WHAT! 

I never asked for or signed a release of authorization form. 

A release of authorization form for what? 

I have no idea what you talking about! 

Is this NELNET continuing commit more fraud? 


-- -- -Original Message -- -- - From : XXXX To : XXXX XXXX Sent : Fri, XX/XX/2022 XXXX XXXX  Subject : Re : Release of Authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX I never asked for or signed a release of authorization form. 

A release of authorization form for what? 

I have no idea what you talking about! 

Is this NELNET continuing to committing more fraud? 






-- -- -Original Message -- -- - From : Nelnet XXXX XXXX XXXX To : XXXX XXXX Sent : Fri, XX/XX/2022 XXXX XXXX  Subject : Re : Release of Authorization Untitled Dear XXXX XXXX Thank you for contacting Nelnet XXXX 
We have received your release of authorization form, and added XXXX XXXX to your account. If you do not wish to have this person or entity listed as someone Nelnet is able to discuss account specific information with, please contact us as soon as possible. 
Were here for you when you need us. If you have any questions, please call us at XXXX or visit Nelnet.com. 

Sincerely, XXXX XXXX. 
Nelnet XXXX # XXXX