davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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. (AZ)

The unverified items indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these items shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (HI)

Prior to the COVID related shutdown, my credit score was over 800. Due to the reduced interest rates, I decided to refinance my car loan. My rate was higher than expected so I asked why. My credit score dropped over 100 points to below 700, so they only offered a higher rate. I finally reached out to the credit reporting agency this week, and their latest report has my score back into the 700s. I just happened to be discussing this with another friend and they also noticed a drop. I posted on XXXX and asked if others noticed it -- 4 people replied that theirs had also dropped. I think they should be investigated for dropping credit scores for no reason, except for a possible 'financial crises. ' Fortunately, I am still working full-time, so my pay has not been impacted by the shutdown. I just think it's wrong for credit scores to be lowered for no reason. 

Apologies for going this route, but none of the questions preceding the opportunity to describe the issue really applied to my situation. I'm going to reach out to the bank about their proposed interest rate and see if they can adjust it. I haven't signed the loan docs yet. 

Thank you for your time and looking into this situation. 
XXXX and stay safe, XXXX
Consumer complaint received 2020-07-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage sold the property on XX/XX/2016 for {$120000.00} in which at the sale of the auction there was only {$110000.00} owed at sale in which wells fargo home mortgage owed me back {$14000.00} dollars back at sale at Auction. I have mailed several letters over the las 4 years with no response from wells fargo home mortgage certified in regards to this matter. I have also filed with the US Attorney office regarding this matter.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (MI)

AmSher XXXX Collections is violating the Fair credit reporting act by not notifying the crediters about the debt owed. I came to know about this after my credit score took a significant hit. Please XXXX them and read reviews, everyone has the same problems. Their customer care number keeps going straight to voice mail. Please help
Consumer complaint received 2021-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (GA)

Nelnet financing was selected to discharge {$30000.00} loans for veterans of XXXX percent XXXX. I filed the application in early XX/XX/2021 to have these loans discharged. I checked back 90 days and nothing has happened, I checked back over 120 days and still nothing has happened. I filed a complaint in earlly XXXX with Nelnet about this and they didnt even investigate that complaint. When I called them today again, XXXX XX/XX/2021, the supervisor said she was going to file another complaint about the first complaint that wasnt investigated. This is ridiculous as people are waiting for their loans to be discharged.
Consumer complaint received 2020-05-04
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: WELLS FARGO & COMPANY (MA)

WF/XXXX XXXX XXXX is reporting PAID but I see multiple 30 days late remarks and 60 days late remarks which is not true please remove late remarks from my account because it is affecting my scores to badly.
Consumer complaint received 2020-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Calvin Dean Homolka II (MO)

I received a letter from my employer on XX/XX/XXXX ( ish ). This letter stated I was being garnished by a debt collector. I received NOTHING from this debt collector about this garnishment. I contacted these people as well as the district court that allowed this to happen. I was ignored for the most part and finally told by the court to get legal advice. The debt collector sent me their documentation, this debt is about 20 years old!!!! A freaking gym membership. The address they sent the information to was an address I havent lived at in over 3years. I dont even live in the same state any longer. The ONLY documentation I received was from my employer. That is it!! What can be done about this?!?!?? This particular debt collector is related to the owners of this gym. XXXX XXXXXXXX XXXX. This is a racket.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TN)

I contacted Macys, XX/XX/2020, regarding a collections account ( XXXX ) that I was trying to full pay for {$770.00}. I called and was told that I could not pay Macys directly, I had to contact XXXX XXXX XXXX XXXX. And that once I paid the balance they would update Macys in 24-48 hours with payment. And to allow Macys an additional 7-14 days to make sure payment posts and Macys would zero out the balance and update my account to all credit bureaus. I was transferred to XXXX XXXX XXXX XXXX. A rep told me that they could offer me a settlement of {$340.00} if paid during the call. I asked her to confirm that it would show my account was settled with a {$0.00} balance. She said yes and confirmed what the Macys rep said, to pay and allow 48 hours for update and they would notify Macys payment was made and account was settled. I asked if she could send me something in writing to confirm. The rep took my fax number and on XX/XX/2020, she sent me a letter confirming everything. After 14 days, XX/XX/2020, I contacted Macys and asked about updating my account. Macys states that they received the payment for {$340.00} and I still have a balance of {$420.00}. I explained the settlement and she said that my account will eventually update but could not tell me when. I have called and held hours, and no one has been able to assist me with getting the account updated. I even tried to call XXXX XXXX to pay the {$420.00} that Macys says is due and they will not accept it because the account has been paid as agreed. I really need to get this account updated. I am in the process of trying to get my life back on track and purchase my 1st home. My mortgage loan is pending the resolution of this account. While I know paying the account and keeping it out of collections was my responsibility, I have paid the account now when financially able and would like it updated as I was told by Macys and XXXX XXXX XXXX.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (MI)

Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one. 


All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off. 

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. Please assist.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (TX)

I recently became a customer with XXXX XXXX XXXX on XX/XX/XXXX when my mortgage for property was transitioned from my previous mortgage servicer tocompany, XXXX. I I have one late payment on the above referenced account for XXXX of XXXX. This late payment is being incorrectly reported and is also within the 60 day period where the mortgaging servicer is not allowed to report negative information during the time of transition under section1681a of title 15 Incorrect information may have been also transmitted from my previous servicer to to the new one causing me not to receive notifications. I have spoken to customer service representatives to discuss the issue and have our email address and mailing address corrected the system, Customer Service agent named XXXX informed me that she does not show that my account is reporting negative info to the credit agencies in XXXX system but my credit report shows a late payment. She gave me reference number XXXX for our call. Since the company stated my payments with XXXX would begin on XX/XX/XXXX and reported a late payment for XX/XX/XXXX, this should fall within that grace period by law.
Consumer complaint received 2021-05-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (SC)

I opened a Home Equity Line of Credit in the amount of {$50000.00} with Wells Fargo in XXXX. A {$50000.00} lien was placed on my deed by Wells Fargo at XXXX XXXX XXXX XXXX Of Deeds on XXXX XXXX. An additional {$50000.00} lien ( duplicate ) was placed on my deed by Wells Fargo on XX/XX/XXXX for the same account. The line of credit was paid off and closed. Wells Fargo filed a satisfaction on my deed for the XX/XX/XXXX lien on XX/XX/XXXX. The lien filed by Wells Fargo on XXXX XXXX is still showing as not satisfied. 
I am selling my house, and it is under contract. I was originally scheduled to close XX/XX/XXXX. The home can not close until Wells Fargo corrects the mistake they made, and file a satisfaction on the lien filed on XX/XX/XXXX. I have made multiple phone calls, and spent hours on the phone with Wells Fargo to get them to correct their mistake. I am getting shuffled around, and each person tells me " its in process ''. I finally spoke to one person on XX/XX/XXXX that said I need to fill out a Lien Release Checklist and return. Wells Fargo could not email it to me, and they said they could only fax it or send it in the mail. That person said they would request the Lien Release Checklist to be faxed and mailed. It was never faxed. I have not received it in the mail. I have had 3 closing dates scheduled, and all 3 have been moved due to this issue. Wells Fargo gave me a reference number of XXXX on XX/XX/XXXX. When I contacted them on XX/XX/XXXX they gave me a reference number of XXXX. The account that was closed is XXXX.
Consumer complaint received 2020-07-08
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: C/C Financial (IN)

In XXXX of XXXX, I noticed 30 days late on my XXXX  XXXX  report. This was from Merchants Preferred. This account was paid off. The 30 days late were reported from XX/XX/XXXX. This is inaccurate as I paid the loan off in XXXX. I had also made previous payments in XX/XX/XXXX, XX/XX/XXXX, etc. I disputed this though XXXX  twice and Merchants said their information was correct. This Blemish is now holding up mortgage approval for my new home. I've reached out to Merchants Prefered and asked for assistance reviewing the payment statements but they refused to help me. I was able to obtain their payment history which shows I did, in fact, make a payment in XXXX and paid off the account in XX/XX/XXXX. I was not 30 days late in XXXX of XXXX and they will not delete this from my credit report. 

Creditor : Merchants Preferred XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX GA XXXX XXXX
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (KY)

I had an account go into collections over 2 years ago and recently it now on my credit report as an open account and missed payments are being marked and the balance for the account is increasing, I did not give permission and had no knowledge of it be reopened. My credit score is constantly going down now because of payment history and missed payments Saying I am 180 days passed due from this account that was placed for collections on XX/XX/2018. My reasons ; one it resets the life of the account/debt so takes longer to age off credit, it holds the consumer back not able to open new accounts/credit due to credit score and payment history, Old debt looks like new debt. Hurts consumers credit making it almost impossible to raise credit score without paying off old debt. It makes consumer feel pressured, harassed, held back, oppressed, and unable to succeed. Some jobs like the one I am going to be applying to after I finish XXXX XXXX  in 6 months check credit scores therefore making it harder to get a job that would help me pay off debts that I may owe.
Consumer complaint received 2020-07-25
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: AFNI INC. (MI)

I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. 


XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX, Florida Afni - XXXX XXXX XXXXXXXX XXXX XXXX, Illinois XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (GA)

I was alerted that my Social Security number and Private Information PPI were being used on the " dark web ''. I contacted XXXX, XXXX and Experian and noticed several unauthorized inquiries on my file reports. When I attempted to dispute these HARD INQUIRIES with the three companies, they stated I need to file a police report. I do not want to waste our tax dollars on reporting to the POLICE when the resources are needed for actual human life emergencies. Therefore, I am submitting my complaint to CFPB to investigate per the 15 U.S. Code 1679c and other statutes. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX. 
XX/XX/XXXX
Consumer complaint received 2020-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Peer Advisors, LLC (CA)

On XX/XX/2019 I was served with a lawsuit by Aldridge Pite LLP a, debt collection attorney, ( case no. XXXX ) naming me and my siblings, ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX with the Estate of XXXX XXXX to foreclose on his home, which had a reverse mortgage. I immediately contacted the Law Office of Aldridge Pite LLP. I spoke to the paralegal assigned, MS. XXXX XXXX, to the case and advised that according to my fathers will, I was disowned. I offered a copy of the will and asked that I be removed as a party to the lawsuit. I emailed that will to Ms. XXXX on that same day. Ms. XXXX advised me that she had already spoken to my sister XXXX and would be emailing us a document to sign dismissing my name from the action. She asked that I send her a copy of the will. I also informed her that my brother XXXX XXXX was adopted by my step-father when he was XXXX years old. He was also not a legal heir. According to the will, the only legal heir is XXXX XXXX. 

I never got the email. My sister XXXX however did. I thought that since the statute of limitations to contest the will had expired on the XXXX of XXXX, that the reason I did not get that email was because I provided a copy of the will. I thought nothing of it and didn't even discuss it with my sister. Shortly after that, Covid caused the lock down in my state and Oregon, I did not even consider that I might need to appear in court. I was also not notified that there was a change in attorney 's handling the case, which would have clued me in that I was still on the list of defendants. 

On or about the XXXX week of XXXX, I received a copy of the judgement against me for the default and foreclosure of my fathers house. Not only am I not a legal heir, I was never on the title or the loan. I did not discover that my sister had received the email, and I did not, until I spoke with XXXX after receiving the judgement documents. 

This man was an XXXX XXXX XXXX who was convicted in an Oregon court and served time in the Oregon XXXX XXXX. He was cruel in life and he was cruel in his death and now this law firm continues to victimize his children by trashing our credit and our peace of mind. We would like nothing more than for everything pertaining to XXXX XXXX to die with him. Now we fear that other debt collectors will also come after us.
Consumer complaint received 2020-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (AL)

LVNV Funding has been harrassing and targeting customers for previously paid debts and suing them even though they have proof the debt has been paid. I paid off a previous creditor, XXXX XXXX XXXX, through a settlement payment in XX/XX/2020. LVNV Funding and XXXX XXXX updated my credit to show that the account had been paid during XX/XX/2020. Today, XX/XX/2020, I received a lawsuit from LVNV Funding for an amount larger than was due although they knew in XX/XX/2020 the account was paid and settled! LVNV Funding claims their client, XXXX XXXX, is behind the suit, but that is not true. I have proof that XXXX XXXX settled the account before this lawsuit was filed. Furthermore, XXXX XXXX even issued me a new credit card in XX/XX/2020, so they showed their agreement with the settlement by doing this and accepting the settlement check. LVNV as attempted to sue me on EVERYTHING that was reported on my credit as bad debt. One time maybe, but 6 is overhaul. I believe that is excessive and shows that they are harassing me purposely. I strongly believe I am being harassed. They are violating the FDCPA. Please check into there collection and consumer targeting practices.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (MS)

I have been trying to contact eppicard services for 2 weeks for a card. I am expecting a unemployment card, I already have a child support card but was told those benefits are separate and will go onto a new card. There is no way to get ahold to anyone on their phone line. I've been on hold for over 38 hrs total. The website is not functioning correctly. I want them to contact me or open their lines of communication properly. People are starting to go back to work so covid should not be a problem anymore.
Consumer complaint received 2021-05-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

I am disputing a couple of inaccurate items on my credit reports and have been trying to for quite some time yet the credit reporting agencies are not communicating with me on those investigations. I understand that we were in a Pandemic and took that into consideration after I didn't receive a response the first, or second time but the this time I gave them 3 Months to respond and they still have not. I don't understand how the Federal Government can create laws to protect me the consumer and yet these corporations STILL don't have to abide by those laws. The Fair Credit Report ACT requires Credit Reporting Agencies to respond to investigations within 30-45 days. Yet the Credit Reporting Agencies do not respond at all. Upon doing some research, I read that the Trump Administration cut the funding of regulatory agencies giving these corporations a free ride to take advantage of consumers like me. It seems that's exactly what Equifax, XXXX  and XXXX XXXX are doing as they ARE NOT complying with the FCRA at all. This is why I'm finally reaching out to the CFPB which is supposed to enforce and protect consumer laws especially against the Credit Reporting Agencies. I sent letters to all three credit reporting agencies on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and never got a response from any of them. In the past they would send a letter to any investigation or letter I sent but now they NEVER respond and continue to report inaccurate, incomplete, or unverifiable information on my credit report. When I contact them to ask them about my investigations, they just give me the run around, say they never received a dispute letter ( which is a lie that Equifax uses every time ) even when I send them certified and they sign for them. The CFPB needs to enforce these laws that are supposed to protect consumers and not let these credit reporting agencies blatantly break the law. We have a new President now who does support American Consumers and their rights so it's time for the CFPB to do their job and hold the credit reporting agencies accountable.