davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IN)

All XXXX reporting agency 's are reporting incorrect information on my credit report and have caused me to loss jobs, etc. The following are the XXXX report numbers that I disputed with them : XXXX, XXXX, XXXX. I have a XXXX on my credit report and it is not my account. I was at XXXX time an authorize user on this account and have asked to be removed from this account. All three reporting agency 's are reporting this account as my account when by law I have no ties to this account. I contacted XXXX and they said I was only an authorize user at XXXX time and asked them to remove me. I also asked all XXXX credit agencys to remove me and they will not remove this account. I am attaching my recorded statement that I took of my conversation with XXXX and what they said that I am not the owner of the account at all. I need your help in getting this account removed from all three reporting agency 's. The XXXX account # XXXX Please assist me in this investigation as the XXXX agency 's will not correct this information and delete this account. This is my last chance to try to get this corrected before hiring an attorney. 

If you could assist me I would appreciate it. 

Warm Regards, XXXX XXXX XXXX
Consumer complaint received 2016-03-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau Services, Inc. (MT)

Received letter on XXXX/XXXX/16 from Collection Bureau Services Inc. Attempted to call them with no answer. Original creditor XXXX XXXX was listed, I contacted them and they said the debt was not in my name. Upon contact with Collection Agency was informed the debt belongs to my EX husband, informed them that we were divorced numerous years. Collection agency requested copy of dissolution degree to fax number XXXX, sent requested documentation on XXXX/XXXX/16. On XXXX/XXXX/16 this account is listed on MY credit report in collections!
Consumer complaint received 2016-03-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MI)

I 've been paying a student loan since XX/XX/XXXX. The original total loan amount on XXXX/XXXX/XXXX was {$17000.00} ( {$5800.00} & {$11000.00} ). I was consisted through XXXX XXXX had some financial issues, my loan went into default, corrected that and by XX/XX/XXXX was paying my loan consistently. Throughout my loan repayment, more money has been going towards interest than the principal. Prior to default in XX/XX/XXXX, I paid a total of {$7500.00}. After default, my balance was {$14.00}, XXXX. Payments from XXXX through XXXX has been {$6000.00} and my outstanding balance on XXXX/XXXX/XXXX was {$14000.00} prior to a {$200.00} payment. After this payment my balance is now {$14000.00} more than it was after my default in XX/XX/XXXX. Only {$60.00} went towards my principal. Please help me get out of this situation. I 've paid a total of {$15000.00} towards my student loan already and getting nowhere. It 's been 10 years of XXXX, and despite unemployment, divorce, salary cuts, and now a child in college my loan is still not paid because Nelnet is not distributing most of the payments towards the prinicipal. If you look at the documents attached of screenshots, for some month nothing goes towards the principal or like last month only {$1.00}. Please help me, I work as a teacher, my salary has been slashed or frozen for the last 5 years, and currently XXXX and now have a son in college. I have XXXX a total of 3 years at a XXXX. I 'm also very worried about saving for my retirement. This has been never ending and worrisome. 
During my default, I filed a complaint to CFPB and received assistance and would like assistance for this issue which contributed to my default.
Consumer complaint received 2016-03-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (WV)

I continue to receive calls from Chase Receivables concerning a debt owed by someone that I do not know and who does not reside at my address or phone number. The debt call are for someone named XXXX XXXX. These calls have been occurring for over 3 years. 

I have repeatedly requested that my phone number be removed from XXXX XXXX 's database. but they continue to call seveal times every day and harass me about this unknown person. 

I want these call stopped. 

Chase Receivables mailing address is XXXX XXXX XXXX, CA XXXX XXXX XXXX The harassing phone calls originate from XXXX.
Consumer complaint received 2016-03-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

XXXX XXXX XXXX uses Certegy Check Services, " Certegy '', to provide a recommendation to process a check for deposit. Every month, for over 12 months, I have written and deposited a {$100.00} check into my sister 's XXXX account via remote deposit. This month, due to a computer algorithm that no one understands, Certegy recommended to decline my check for deposit, twice. Upon calling Certegy ( call reference # XXXX ), and providing approval as the payee, the company has no way to override a computer decision. There are more than enough significant funds available in my account, and I 've written the check and given my approval for deposit, yet Certegy is allowed to reject transactions without manual override. As a payee, I feel that Certegy has no legal right to reject a transaction against my account that I explicitly approve and have sufficient funds for.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc. (OK)

Coinbase wont allow me to login, their support keeps telling me to do the same steps that dont work. Their ID verification system doesnt work and nobody will help me get access to my account. They tell me to go through the steps to verify my ID but they fail to verify and wont tell me why. Im considering my funds stolen since they wont allow access to my own account. Impossible to talk to an actual human, had to seek Coinbase support on XXXX which was a broken record telling me to do the steps over and over. Terrible customer service, worse than terrible its nonexistent.
Consumer complaint received 2024-08-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TX)

My loan was bought by XXXX and after sending in my mortgage payment in split payments it appears that XXXX XXXX have placed one of the first payments into principle only status. On XX/XX/year> and on XX/XX/year> I have been trying to get them to acknowlege it and correct the issue. On XX/XX/year> in an email they are insisting that they have not received all payments and claim I am past due. On XX/XX/year> I responded using their website that I did make all payments with attached files showing screenshots from their website my payment history showing that they did received all payments and are up to date with my payments. It also shows that they routed one of my payments incorrectly causing the issue of not being up to date with my payments.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have several complaints with the reporting practices of Trans Union. First, regarding XXXX XXXX # XXXX, I have notified all of the bureau 's that the creditor has agreed to delete this account. Trans union has not taken note and has not statused this account since XXXX. This account has also been deleted from the other reporting agencies. As of XXXX/XXXX/XXXX I have issued a FINAL DEMAND for this to be removed. This has already been deleted from my other credit reports. XXXX Consumer Financial Protection Bureau case XXXX. Second, regarding XXXX # XXXX, I was notified by my credit union that this creditor was authorized by Trans Union to be placed on my credit report as of XXXX/XXXX/XXXX. This account is remarked as " & gt ; CHAPTER XXXX BANKRUPTCY & lt ; ; CLOSED BY CREDIT GRANTOR ; CLOSED ''. This is in fact true, and should not be reporting because my Chapter XXXX bankruptcy was discharged in XXXX XXXX. All reference was removed from my credit report in XXXX XXXX. Now I am being plagued by this and it is reporting negatively. Third, regarding XXXX # XXXX which is remarked as DISPUTE ACCT/CLSED BY CONSUMR ; & gt ; PAID IN FULL/WAS A CHARGE OFF & lt ;. In XXXX XXXX I purchased a home and transferred my cable/internet/phone package from my apartment to the new house. I began to receive billing discrepancies from XXXX and after sending them a copy of my bank statement to verify that I truly paid the statement they sent to my home an investigation was conducted where they reported to me that tenant at my previous resident set up service and this installation was applied to my name ; my payment was being mis-applied to the previous addresses account. In order to remedy the issue XXXX adjusted my account correctly and stated that the I would need a totally different account number. Prior to this occurring I was never in bad standing and through the process was never reported as late/delinquent. Please observe page XXXX of bill date XXXX/XXXX/XXXX where it shows my current address, then skip to page XXXX of bill date XXXX/XXXX/XXXX that was sent 18 days later with my previous address, last turn to page XXXX of XXXX of that same bill and view adjustments where it explicitly reads " Transfer from Account XXXX to Account XXXX. Therefor this account is not a CHARGE OFF. I have contacted Trans Union as recent as XXXX and they have not considered my explanation nor offered to review my supporting documents. All of these methods of reporting are weighing on my score as my Trans Union score is approximately XXXX lower than the other agencies.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and XXXX deleted the main XXXX. On my report XXXX XXXX has put my child support on Trans. I disputed it and it should be removed because its over XXXX yrs old. But they allowed XXXX to change the date and make it a XX/XX/XXXX date open which makes no sense. I also found out by National collections that in XXXX they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XX/XX/XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at Trans if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XX/XX/XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NJ)

i had received a loan from atlantic bay mortgage. in the very beginning i signed a disclosure being approved for a loan of XXXX and they also sent me a estimate a week later. all full well knowing how many houses i had and how much rent i collect on each one. so it was so posed to be only XXXX % down on an investment loan. as what the disclosures i signed showed. then came the closing and they changed it up on me with out giving me 3 days of notice and no new disclosures to sign as the new law states. i had to call to find out why i had to come up with so much more money in the very end. thats when he told me XXXX XXXX requires XXXX % down since i have so many # of houses.which changed the loan amount to XXXX. i said you never told me, then he said. " oh i never told you? thats my bad! '' i asked if they could change it back to XXXX % down being that they never told me until i had to call them up wondering what the change was. even knowing they threw me a curve ball with out any notice at all, he and his boss said there was nothing they can do about it now.
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

In 2010, I declared bankruptcy. My mortgage with Wells Fargo was withheld from the bankruptcy through a relief of stay ( the mortgage could n't be discharged anyway because it was a secured debt ). After the bankruptcy closed, I refinanced the mortgage with Wells Fargo ( using the Home Affordable Modification Program ). I have been making regular, on-time payments since I refinanced. I have my mortgage statements from Wells Fargo showing this. Also, the loan number on my refinanced mortgage is identical to the loan number of my mortgage before I declared bankruptcy. 
However, Wells Fargo is reporting to the credit reporting agencies that my mortgage was discharged in the bankruptcy, and they are not reporting the refinanced mortgage. That means my credit reports show a discharged mortgage and no current mortgage. 
When I discovered this a few years ago, I called Wells Fargo ( twice ) and asked them to correct this reporting error. They refused. 
Last year, I sent packets of printouts and information to the credit reporting agencies to see if they would resolve this, but they only put a note that I disputed the report of the discharge. 
Loan number information : Original mortgage loan number before bankruptcy : XXXX Original mortgage loan number being reported to credit reporting agencies as " discharged in bankruptcy '' : XXXX XXXX Current refinanced mortgage loan number : XXXX
Consumer complaint received 2016-03-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (GA)

I reported a fraudulent charges of {$59.00} on my Macy 's Express Card, because on XXXX XXXX, Citicard contacted me to validate whether they were valid or not valid charges as they were monitoring my account. " For your account security, the Credit Services Fraud Department would like to verify recent activity on your Macy 's account. '' I confirmed that they were not valid charges. You see they were originated in XXXX ( at a gas station ) and I was in XXXX. Once Macy 's sent the fraud paperwork, I returned it in XXXX with a Police report # XXXX, filed on XXXX XXXX, 2016. My complaint is that they deny that they have received the documentation, therefore it would be difficult for them to keep their commitment of resolving disputed charges in 1 to 2 billing cycles. As I am now at at the third billing cycle since the fraud charges occurred. However, because of this, I have chosen to may the balance on the account and close it, and want the amount refunded as they are not my charges of {$59.00}.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2016-03-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I am in foreclosure. In 2006 XXXX XX/XX/2006 refinanced my home fraudulently. I did not request a loan and I did not sign any documents for them or any escrow company. I do not have knowledge of who requested the loan, or received money from the loan. Wells Fargo eventually has my loan and I did fall behind because of loss of income and could not keep up with my payments. I have completed several modifications asking to have my loan payment reduced and to have my missed payments placed in the rear of the loan. They have repeated denied me. This last medication they would not accept the cash payments that my boards paid to rent rooms from me. They said because it was cash I could not prove they paid rent. I submitted lease agreements and receipts. I finally took the boarders money and got cashier checks and resubmitted to Wells Fargo on an appeal and now they have denied me again. I think I qualify for you to review me under the class action lawsuit to XXXX case. I think it is called the Pick a Part Program. Keep Your Home California had approved me for a {$5400.00} payment to bring me up to date with payments. Now that Wells Fargo has contacted them and not me, they have cancelled the payment they were going to give me. They said it was because of the information Wells Fargo has submitted to them. I was submitted payments to Wells Fargo but could not bring it up to date. Wells Fargo returned several payments to me and said they wanted all money that I was behind. I continue to save the money that I have to pay on my loan but they wo n't accept it. According to my property profile the following finance companies are listed for my loan. XXXX XXXX, XXXX, XXXX " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX times ), XXXX, XXXX XXXX XXXX ( two-times ). I did not sign any documents or these companies. A XXXX XXXX, Senior Loan Negotiator for XXXX DRE # XXXX XXXX, Ca. XXXX, XXXX fax. I now know this was a scam and illegal, he came to my home and said he could save my home and did nothing. He charged me {$1500.00} and I have the receipt where I paid him. We told him he violated SB XXXX and he said take it up with XXXX, because he does n't work for them any more. He drove a XXXX XXXX license plate number XXXX. I have documents to share if you tell me where to email them or fax them to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I also have XXXX XXXX XXXX that has my permission to talk to you, and you talk to her, she has been helping me file paperwork. She is my neighbor.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

I have been receiving offers in the mail to consolidate my student loan. Some of them even offer total loan forgiveness. Each of these offers lists the total amount of my student loan. Most troubling however, is how close they are to the exact amount - off by a XXXX dollars or so, but more or less spot on. 

I spoke with my service provider ( XXXX XXXX ) and they said they are not allowed to disclose or sell my financial information. This still does not explain how my financial information has essentially become public.
Consumer complaint received 2016-03-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

My mother passed away XX/XX/2014. Her checking account had been in both our names so that if she became XXXX, I could continue paying her bills. That is what happened in the last five years of her life. When she died, I left several hundred dollars in the account to cover any debts that I was not aware of. After a year 's time, I attempted to drawn-down the account only to be told that bank fees had XXXX-out the account. During that time, the bank had no communication with me other than to verify my mother 's death. I believe that at some point there should have been notification from the bank that the account was not showing any activity and the balance was being used up by fees. They say I should have received information at the time of becoming a co-signer regarding bank practices and fees. That had not happened and neither did my mother share any such information she had received.
Consumer complaint received 2016-03-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (MN)

I have been XXXX for the last three years therefore i have had multiple student loans my concern and confusion is as to why my loans each semester are separated into multiple accounts if i 'm withdrawing a balance from the federal government for education why is n't it reported as on account in the process of pursuing my degree i'e had to take time off to work to manage bills and debt due to that happening is caused my loans to report as not deferred for a 12 month period causing my credit score to drop at least XXXX points because the student loans report as multiple balances instead of just XXXX as well as multiple late payments now i 'm unable to be approved for an fha loan for at least a year while i wait for my score to go back up what can be done to bundle the balance for student government loans?
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (CA)

MOHELA, which is severely impacting my financial stability. MOHELA is reporting my 8 student loans double as 16 separate accounts, leading to inflated debt figures on my credit report. This discrepancy has caused my debt-to-income ratio to soar, resulting in a significant drop in my credit scores with no fault of mine. 
As a direct consequence, I am now unable to qualify for a necessary home refinance loan, which is crucial for my financial well-being. This situation is not just an administrative error ; it is jeopardizing my ability to secure stable housing and manage my finances effectively. 
Despite my efforts to resolve this matter directly with MOHELA, the issue remains unresolved, and I am in urgent need of support. I respectfully request your intervention to ensure that MOHELA corrects this inaccurate reporting and helps restore my credit standing as soon as possible.