davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

While the XXXX letter is really long, and filled with details. As per usual its mostly phony superfluous verbose garbage that describes in great detail things that dont matter while omitting real substance that can be balanced. 
The final agreed arrears are covered. However the fact {$6400.00} was paid on it was left out. Why? 
Its left up to the imagination to credit that amount and guess what else has been added. But we do know the date I filed XXXX  XXXX and the date it was dismissed. The product of the unpaid ( {$28000.00} ) and the months they would not allow payment without reinstatement. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX at time of letter. That looks like XXXX {$23000.00} + XXXX??? = {$52000.00} sort of matches. Why not detail that stuff? Keeps us in the dark. Hard to dispute. Thats been the case for over a year. XXXX from XXXX  XXXX had the idea to ask XXXX  to show credits applied and their effect on the balance. This was never done, but it would have been a way to prove the canceled XXXX  XXXX trustee checks were deposited but not applied. They just kept saying the payment were applied. 
They werent. see XXXX and statements over {$30000.00} in mistakes From XXXX to fund was to be covered by XXXX. Note escrow is included. 
I was unable to make XX/XX/2022 because of the reinstatement issue. No count of months was outline to be added to the total. We are seldom given enough data to balance and its intentional. 
Note agreed arrears were entered at times when escrow was 200 % requirement. Because of misapplied payments. XXXX XXXX XXXX  should match up month over months because they have always been paid as one payment. The fact the escrow does not match balance is proof of mistakes. 
We see over {$30000.00} in mistakes despite denying any mistake was made for years. It should not be surprising that $ {$4900.00} overage in escrow turns into ( {$3700.00} ) then {$9000.00}. 
The only good thig is XXXX  is so bad at her job she leaves enough data to prove she has no idea what is going on. How could they be off by such substantial amounts. Even when others approve her work. 
Lucky for me she outlines the overage in the phone call on the letter. I think they must use post it notes or something. Its insane. XXXX cant be the only XXXX to experience this. They nearly foreclosed on me. 
{$6500.00} per the letter to reinstate or zero now its {$9000.00}. 
*They have also refused to reveal how Ive XXXX a year in my amortization without overpayments. thats another complaint.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

Due to willful laziness and lethargy, two fellow Wells Fargo employees provided fraudulent misinformation that if not caught by a diligent employee on the XXXX  Banking team would have led to a significant financial loss by me as a customer or the bank. On Saturday XX/XX/2023, in accordance with instructions on the Wells Fargo Internet website, I went in person to a bank branch in XXXX North Carolina at XXXX XXXX XXXX XXXX XXXX at roughly XXXX XXXX local time. In blatant violation of Wells Fargo financial security procedures and presumably only because this employee just too lazy to work her actual workday, a XXXX lady banker said I actually had to call in to increase my wire limit and could not do this at a branch. This was just a blatant lie - I had to come into a branch for this type of request for obvious security reasons. I did in fact call the main number though. A phone banker then said I had to upgrade to XXXX  banking to increase my wire limit and there would be no fees for this since I was a team member - both statements which were also blatantly false. Only when I was transferred to the XXXX banking team did the XXXX phone banker correct willful and fraudulent misinformation conveyed by two of our fellow employees.
Consumer complaint received 2021-04-28
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: Experian Information Solutions Inc. (CA)

XXXX XXXX appears on my Experian report. I disputed and also sent a certified letter to the XXXX XXXX address online for validation and verification of this debt that I have no knowledge of. I requested the following from XXXX XXXX and did not receive any of the documents. 

1 ) Why the collector thinks you owe the debt : Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract. 

2 ) The amount and age of the debt : Ask for a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. 

3 ) Authority to collect the debt : Ask whether this agency is licensed to collect debt in your state.

When disputed online with Experian, they said XXXX XXXX  validated debt, but where is this documentation? I have seen nothing.

I want this removed from my credit history, which is in the 700s.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, 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. (AL)

Dear Equifax & CFPB, Name : XXXX XXXX XXXX XXXX : XX/XX/2001 SSN : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX I have attached a copy of my FTC report and drivers license. 

I would like the hard inquiries included in the FTC report removed from my credit report given they were not authorized by me and were fraudulent. 

I previously reported this through the CFPB but did not attach any documents or an FTC report and that report was closed. I am requesting this report NOT be marked as a duplicate report and automatically closed, but rather this report be fully investigated and these hard inquiries be removed from my credit report given I have removed this fraudulent activity to the Federal Trade Commission and this is a new report with actual documents. 

The other report ( s ) did not have any documents and were not properly filed, therefore, I am requesting the CFPB or EQUIFAX close this report and mark it as duplicate given under federal law I have a right to report fraudulent hard inquiries and given I have attached the proper documents for said inquiries that are currently on my credit report and included on the FTC report attached. 

Please mail me a copy of my updated credit file once these hard inquiries have been removed from my credit report. 

If needed I can be reached at XXXX or at ( XXXX ) XXXX - XXXX. 

Thank you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, XXXX, at around XXXX, I made a cash deposit at the Chase ATM XXXX XXXX XXXX XXXX XXXX, NJ. Typically I'm leaving work late so I almost always make cash deposits to pay bills etc. My sister is here from school on winter break so she was with me I counted my deposit twice then had her count it we both counted {$900.00}. I deposited the money it said {$880.00}. My heart almost dropped to the floor the reason being almost everytime I make a atm deposit it almost always is {$20.00} off not {$10.00} off not {$2.00} not 5 always {$20.00}. I've always thought I was doing something wrong but lately it has been on my mind that something isn't right today was the first day I had someone with me who saw the same thing I saw and counted the money. So I called the bank I was in a panic I was enraged because this has been happening to me for years and I almost always attributed it to something else today it clicked that the atm has been taking my {$20.00} for years I'm disgusted I'm upset and I need for this to be rectified.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (WA)

The problem started when I tried transferring XXXX out of my account to one of my accounts because I decided I didnt want to have my money in the marcus savings account anymore. The next day I got an email saying that they have been trying to call me but I never received a call. My account was locked. That was XX/XX/XXXX. I called them and they told me that I would be sent an affidavit of identity to confirm my identity. I filled that out and had it notarized and sent it back on XX/XX/XXXX. I didnt hear from them at all. I called them today XX/XX/XXXX. I was told they received it from what I heard. I was then told that my account would be closed for reasons I can not be told and I would receive something else in the mail in another week or so. Im not sure whats coming in the mail because I cant remember exactly what they said to me. Now I have to wait longer to get my money back. They didnt communicate this information with me through email or anything. I had to call and figure this out. Im not sure why they couldnt have just unlocked the account and let me transfer the money out. All I want is my money back and this process is taking an extremely long time. Im not sure how many more things have to be sent to me to get this figured out. I confirmed my identity like they wanted me to do and I still have to wait longer to get my money. It doesnt make any sense and this has been a tremendous stress to me over the last month.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Biltmore Asset Management LLC (NC)

Biltmore has supplied erroneous information to an unidentified client of theirs. Biltmore is a collection agency operating under the premise of an employment verification company. In another complaint filed with the consumer financial Biltmore has admitted to supplying information to a client that they has not fully been vetted as accurate information. As a victim of identify theft this will further harm my identity and credit worthiness. Biltmore is acting outside of the laws of FCRA by reporting wrong information or information that has not been properly verified
Consumer complaint received 2022-10-21
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OK)

Automatic payments are not going through due to Nelnet 's system. The money is in the account and payments have been made on time every month for over a year. Now, all of a sudden, I miss payments due to Nelnet 's fault and they can't help. I called and thought I handled the issue. Welp, same issue the following month. I called again and once again I believe the issue is handled, but we'll see. They will not refund me their {$15.00} ( XXXX ) charge. At this point I'm thinking is my credit being hurt. Nelnet is not going to give you a refund, or make any changes to credit reporting, and/or be responsible for data breaches that are Nelnet 's fault. Good luck. That's how they treat you. It's not the person on the other line 's fault. It's Nelnet.
Consumer complaint received 2020-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-03-23
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. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

I rented an apartment and my lease was up in XXXX I am in the XXXX and was on XXXX orders and submitted all of this in order to move out early. After doing the move-out inspection the leasing lady said I would get letter in the mail along with a copy of the inspection form. I never received it. Once the apartment starting showing on my credit report I disputed it because I was never made aware that I would be charged and wanted proof of everything. I even tried contacting the company to settle it because after 5 years of fighting it I just wanted it removed. They refused the payment. The rep gave me the info on the website of the charges I had and the letter was not sent to my forwarding address but sent back to the address of the apartment I moved out of. 

Not only are they charging me for ridiculous damages but they also are charging me for 2 months of rent when I should not have been charged at all given I have them my XXXX orders. 

The account has been deleted from one report because they were unable to verify the account as accurate.
Consumer complaint received 2023-02-24
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15U.S.C section 602 A. States I have the right to privacy. 

15 U.S.C 1681 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

XX/XX/2017 {$840.00} / charge off account This debt company consists reports a debt. On my report, hassment, I have no knowledge of this debt. Please remove immediately, Please deleted Inaccurate information, wrong person