davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (TN)

In XXXX I was granted a loan forgiveness from Navient due to being declared XXXX XXXX XXXX XXXX XXXXXXXX. On my credit report there is a negative that wont go away until XXXX. Its like an anchor tied around my neck I cant get my credit score up to where I feel it should be. Ive been a very good boy for years making all my payment s on time but this still keeps me down. If this is forgiveness it comes with a hook. Its the only bad thing on my report. I was well into default when they granted it because I couldnt work when my injuries became too much to bare. So on my credit report it shows as 120 days late and 4 late payments. These days I can barely survive so Im trying to see if I can make this go away. And truly receive forgiveness. Thank you, XXXX
Consumer complaint received 2022-07-14
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. (TX)

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU 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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
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. (NY)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (AZ)

Servis One Inc dba BSI Financial and XXXX Mortgage increased my monthly payment without cause or reason. They decided themselves that my property taxes would be increasing in 2016 even though the County Treasurer has not issued tax bills for 2016. They arbitrarily selected an amount of {$1200.00} as my new property tax amount and said I had an escrow shortage of {$1500.00} as a result. My monthly payment was increased from {$670.00} to {$890.00}. I have made 5 attempts to contact them by telephone without success. The recording says they are experiencing an increased call volume and disconnects after 15 minutes unless a voice mail is left. I have left 3 voice mails and my calls have not been returned. 
Next, the recording says " Under Federal Law we are required to inform you that BSI Financial is attempting to collect a debt and any information obtained will be used for that purpose. '' My account is not past due and is not is collection process. I am calling them to question my account. They are not calling me. In the past when I have reached a real person this same statement is read to me. I am calling my mortgage company, not a collection agency. None of the mortgage companies I have had in the past use such a derogatory statement. I find this offensive and believe it is unlawful for them to make such a statement when I am initiating the call to my mortgage company. 
Third, all of the tax payments that have been made on my behalf from my escrow account have been paid late. As a result I have been assessed interest and late fees by the County Treasurer. These fees have been paid from my escrow account. This company has tarnished my credit rating by paying the tax bills late and has mis-used my escrow account by taking the late fees and interest from my escrow account when in fact they were at fault for making late payments.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

An item appears on my credit report from XXXX XXXX XXXX and I am not aware of ever receiving services from the original creditor XXXX of XXXX. The contact information including phone number are not correct as the business has closed and phone number is to a towing company. They are not able to provide me with correct contact information yet they can verify the debt with a company that does not exist any longer. The original creditor is also no longer in business. The only resolution I get is to file another dispute. When asked why they can not put me on hold and call the company they continue to tell me they will file another dispute. If I am not able to conact a person reporting negative information on my report to get information how can they legally continue to report it. The response is that the origianl company has my name and information correct so it will remain. This is very frustrating that credit scores are held in such high regard, but accurate record keeping and providing basic contact information is not. I have repeatedly asked for updated information or to have the item removed from my report. Once again, the answer is file another dispute and wait 30 more days.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CO)

I went to close out my account with XXXX because of the mistreatment and price XXXX was charging. I paid off all my lines and caught up my bill with XXXX XX/XX/XXXX- {$340.00}, XX/XX/XXXX - {$570.00}, {$110.00}, XX/XX/XXXX - {$260.00}. 

I called on XX/XX/XXXX to close out my account because our numbers were ported to another provider, the first gentleman I spoke to told me I couldn't close out until end of billing cycle and to call back later. I called the day before the end of the billing cycle to close out my account the lady I spoke to told me all lines were suspended and that my bill was caught up ( XX/XX/XXXX payment ) and I was good to go. Fast forward two weeks and I got another bill. I called in and spent well over an hour to make sure all accounts were closed and she assured me everything was good and finally closed. Then in the beginning of XXXX I got a bill for {$45.00} I called into XXXX to let them know I have tried to let know I've been trying to close this out for a whole month and no one was helping me that I shouldn't have this charge. It was not my fault that no one was helping actually close my account for a WHOLE MONTH. 

I got a call today from the collection agency ( XX/XX/XXXX ) I explained to them to look through the account notes to see that I was calling in for a whole month to close an account i no longer needed and that the lady said my account was paid in full and that I wasn't paying the {$45.00} they claim still to be owned. He told me to have a nice day and hung up.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX I received a phone call from someone pretending to be a Wells Fargo employee stating that they were calling because my account had been flagged for attempted charges in XXXX Fl, I reside in XXXX XXXX, NV. They said charges had been attempted at XXXX XXXX for {$500.00} and XXXX and a transfer thru XXXX for {$1000.00} The inbound phone number was a valid WF #, I know the number at a glance because I have been banking with them since XXXX. The caller used all the correct verbiage a bank employee would use so I had no reason not to believe I was on the phone with the bank employee. They said they had to cancel my debit card and issue a new one but in order to do so they needed information from me. I gave them my card # and they claimed to do the transaction to issue a new card, they said I would get a follow up within 24hrs. 
I waited but no call came, no new debit card arrived in the mail and upon looking at my account I noticied a {$1000.00} debit to my account thru XXXX sent to XXXX XXXX, no phone number was indicated.. 
I filed a claim which was denied, I made an appointment to see a banker, she said the claim said it appeared as though I transferred the money to myself. That makes absolutely no sense. She said I did nothing wrong and that I would get my money back. So she opened a 2nd claim. 
That claim was also denied, now Wells Fargo is claiming that I authorized this transfer, when in fact I did not. So first I transferred the money to myself, then I authorized the transfer to someone named XXXX XXXX, whom I do not know. 
I met with yet another banker at a different branch to see if I could get my claim reopened or escalated, again she's is looking at my account and says " Something seems off ''. I agree. 
They will not reimburse me for the {$1000.00} transfer and I know for a fact there were other victim of this same scam in California who did get reimbursed. Wells Fargo will not take any responsibility for protecting their customers from situations just like this. 
I feel like a victim that is not being heard and hope you can help me resolve this. 
I still bank with Wells Fargo even after dealing with this for the last 6 months but {$1000.00} is a great deal of money for someone on a fixed income and they just don't seem to care. I have exhausted my options with WF so I am turning to you to try and make this right. 
I will provide the documentation I have but feel free to contact me if you need further docs. 
Thank You. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
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: SYNCHRONY FINANCIAL (CT)

I disputed a charge is on my credit card over a year ago. I had ordered an item with overnight delivery it showed up several days later than expected so when XXXX came to the door I told the driver I was refusing the shipment she said no problem. It was returned to the merchant I do have a proof of delivery from XXXX that says shipment refused merchandise returned to merchant. I disputed the charge I called the merchant several times to no resolve. I have literally spoken to synchrony bank probably XXXX times regarding this matter. I have since closed the card and it is now affecting my otherwise perfect credit score. They call me from an automated service every day But I am unable to speak to a person they send me letters but nobody will resolve this matter. I am hoping that you will be able to assist. I never received the item I will never pay for it but it is affecting my credit score which is quite disappointing from a large bank like synchrony. My cell phone number is XXXX if you should need to speak with me Thank you!
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NM)

On XX/XX/XXXX, I accidentally overpaid Macys American Express card through a bank transaction ( {$4300.00} ). The transaction from my bank can be found in my XXXX statement. Macy 's has received the money on the Macy 's XXXX statement. 

I found the error a few days later and asked for a payment reversal. The representative said it will be done within 14 days. Macy 's representative indicates that it has been done on XX/XX/XXXX. 
Call the phone numbers many times and the representative said it will done on XX/XX/XXXX, XXXX. 
I attached the XXXX statement to show there is no refund from Macy 's. 
Finally, I received an email ( XXXX ) indicates that it will be done 5 business days.

I have not received the refund.

Call Macy 's and the representative said it was done and nothing she can do.
Consumer complaint received 2016-08-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XXXX XXXX XXXX is on my credit report as the collector for MBNA. I, at one time, had an MBNA credit card. I did a balance transfer in XXXX of my MBNA account balance to my Bank of America Credit Card to take advantage of a lower interest rate promotion. The MBNA credit card was closed with this transaction. I closed my Bank of America credit card account in XXXX after I started to experience financial difficulties, but continued to pay the debt to B of A until I could no longer do so. I stopped paying Bank of America in XXXX or XXXX. Bank of America this past XXXX did a charge-back and sent me a XXXX Statement of Income that I had to file on my XXXX XXXX XXXX XXXX XXXX and claim over {$14000.00} of bad debt ordinary income. This was added to my retirement benefit payments income and left me with a tax bill that I have no choice but to pay in monthly installments. When I pulled my credit reports in XXXX and saw the XXXX , XXXX collection for MBNA I saw the error. Record of my MBNA balance transfer must have been made available in the post-merger Bank of America files, sometime after XXXX merger of the banks. I do n't owe any money to MBNA. Bank of America paid them off in XXXX ( or maybe XXXX ), over 10 years ago. I have had no dealings with MBNA for over a decade. I 'm paying whatever portion of the Bank of America credit card balance used to hype my XXXX personal income, if any remains from the XXXX balance transfer and close of the MBNA credit card account, in monthly installments to IRS. At best this collection account is too old and MBNA stated mistakenly as the original creditor, so it would appear to be a separate debt from the Bank of America credit card charge-back. XXXX , XXXX on behalf of MBNA appears to be using old, settled debt to pressure me into paying them money not owed by me.
Consumer complaint received 2016-12-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (WA)

This debt is not mine all credit card debt was settled in divorce decree. I 've spoke with the original debtor XXXX bank and presented them with court documents. This account originally closed in XXXX by XXXX bank. The account was then sold to midland credit management. After many attempts to get them to acknowledge the court documents and after XXXX bank sent letter saying they closed and sold account XXXX but account was officially closed and placed in XXXX banks internal collection. After 2 years XXXX bank then sells off debt. After speaking with XXXX bank I received both written and email correspondence saying they accept divorce documents that exwife responsible legally for all credit card debt. I have spoken with midland credit management and they refuse to acknowledge court documents. I have resided in state of Washington since XXXX per Washington state law r.c.w. 19.86.020 consumer protection act I supplied the proper paperwork to original debtor and they 've accepted and closed account but since it was sold in XXXX they can only forward their letter to company which now owns the account. I would like midland credit management to close this account and remove it from credit report or face legal litigation here in state of Washington for violations of R.C.W. State law 19.80.020
Consumer complaint received 2020-09-08
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NY)

There is an account in question, which was charged off in 2019. Wells Fargo is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but Wells Fargo claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score. I am asking Wells Fargo to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that Wells Fargo report to the three credit bureaus that I am not associated with that account.
Consumer complaint received 2022-07-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

On the statement dated XX/XX/XXXX there is a cover letter included with this complaint. That cover letter states that if I want to despute any portion of the debt owed to do the following. 

" How can you dispute the debt? 
Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents.

What else can you do?

Write to us and ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. '' On XX/XX/XXXX I called and spoke to a service rep and was hung up on. I called back and waited for 40 plus minutes for a supervisor that then hung up on me again after she stated how she needed to educate me. 

I asked them both to validate the late fee of {$88.00} on this mortgage as I believe it is incorrect. They both went back through statements from prior servicer and did not find an instance where a late fee was assessed. I asked for it to be removed and they did not. They became argumentative and hung up. The loan was transferred to the prior servicer in XXXX of XXXX. Before that the loan was with XXXX XXXX and I reviewed those records back to XXXX of XXXX. I was simply doing as the cover letter asked. I am submitting this complaint because I doubt that they will follow up. Both reps stated that the late fee was listed on a statement with the prior servicer. I am not disputing the age of the late fee I am disputing the validity. I am requesting this late fee be validated or for Fay Servicing to stop collecting on that debt. 

Also my previous complaint to CFPB mentioned an incorrect Escrow analysis. Fay Servicing acknowledged the error in the escrow analysis. After submitting the previous complaint I called on XXXX the XXXX and again on XXXX the XXXX and requested a corrected escrow analysis be completed. As of yet it has not been done. I believe I am entitled to a correct accounting for all future escrow activity. Let me know if you can comply with request as it is the 3rd time I bring it up.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (GA)

My account was just opened in the past week on XX/XX/2021. I had made deposits and initiated a deposit from an external account ; I login to my account on XX/XX/2021 to ensure the deposit was made and the account balance is {$0.00} with a debit made of the current balance as well as no deposit. When I called the bank to inquire what is going on with my account two representatives hung up on me and said the department for which my account was notated to speak is not available. In addition, after requesting to speak with a manager regarding the status of where my funds are or why my account was debited he responded that its block and he doesnt know. I am more than irate at the lack of communication thereof regarding my account and where my funds were debited to.
Consumer complaint received 2022-11-05
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. (NV)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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