davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
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: Nelnet, Inc. (NY)

In XXXX XXXX I contacted XXXX, Nelnet/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with regard to grossly inaccurate information submitted to the credit bureaus. I had not received any correspondence from the Federal Student loan agency re any alleged debt. When I asked why they hadn’t let me know of any problem in any way, they stated that they didn’t have my mailing address or email. I pointed out that I still have correspondence from them at the correct addresses from XXXX  when I was granted discharge on the remaining balance due to permanent disability.XXXX  made some corrections and my credit score went above 610, the necessary figure to be considered for affordable housing. I am now technically homeless though I’m still at my address because tenants are suing the landlord for wrongful eviction. I have been turned down for over 50 apts due to these inaccuracies on my report.Now, my score has gone to XXXX due to the fact that when XXXX  contacted NelNet, they confirmed that I still owe them money. They even state that I am in delinquent status due to 5-6 months unpaid when I’ve never received a bill from them. I have made two payment arrangements with them, one of which should be reflected on my report in 60 days. The XXXX department itself at the Department of Ed advised me to set up these arrangements and told me that he has contacted XXXX  regarding the inaccuracies in my report. I am not in a position to wait 60 days to find a new home. Please help.
Consumer complaint received 2020-01-29
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: Experian Information Solutions Inc. (TX)

ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, TX XXXX Employer ( s ) : XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-01-29
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. (GA)

Today ( XX/XX/20 ) I called Experian, XXXX  and XXXX. I have a recorded conversation with all 3 of them that claims that when I disputed the bankruptcy on my credit report, they verified the bankruptcy directly from the court. When I followed up with the courts, they sent a letter to me stating that they DO NOT verify bankruptcies with 3rd parties like credit bureaus. Experian, XXXX   and XXXX knowingly gave me false information in the attempt to keep this unverifiable bankruptcy on my credit report. Also in all 3 reports, the name is incorrectly abbreviated which calls for more grounds of removal. This is a clear violation my rights according to the fair credit reporting act. I plan on taking legal action against the companies if the bankruptcy is not removed from my report within the next 15 days.
Consumer complaint received 2020-01-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AutoNation Enterprises Incorporated (CA)

XX/XX/XXXX I was notified by CIG Financial that they were going to sue me in 90 days if I did not contact them and work out a repayment plan to resolve a vehicle loan that went into Repo Status XX/XX/XXXX. 
I responded and XX/XX/XXXX worked out a repayment plan with XXXX XXXX for XXXX per month and ultimately pay off the remainder amount with the agreement CIG Financial would revise my account to the Credit Reporting Agencies that the account was paid in full on time and remove the charge off/ repo status. 
I have made every payment for an entire year and have called several times to discuss the pay off amount. I have this agreement in writing from CIG Financial. 
My last conversation with GIG was XX/XX/XXXX in regards to setting up the settlement pay off and dates. I thought all was moving in a positive direction. 
Im in the process of applying for a mortgage and it was noted on my XXXX   report that I have a 60 day late payment on my CIG Financial account XX/XX/XXXX and several negative payments noted for XXXX, XXXX, & XX/XX/XXXX. This is shocking and has severely impacted my Fico Score. 
Im feeling betrayed as I have never been 30 days much less 60 days late. Had I ever been it is written into my agreement that the agreement would not be honored. Im working very hard to resolve this. 
The amount reported to XXXX is not the amount they are demanding I pay. This company repossessed my vehicle for being 14 days late but up until that point I had a good payment history with them and the vehicle was close to being paid off. Now here I am again so close to resolving this account and I feel they are trying to pull the rug out from underneath me. 
How am I to trust them once I pay them close to {$6000.00} that they will honor the agreement? 

I feel this is bait and switch.
Consumer complaint received 2019-08-21
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (PA)

I have been making payments towards my private student loans from Navient for years. I pay everyone sometimes even twice a month, and they still make inquiries on my account saying it's delinquent and it is not. This is keeping me from buying a home for me and my kids. 

I have pictures of my student loan account to prove I pay what I can afford.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MO)

I have been using this company Lexington Law for few months. all they do is bluff customer that they are working on case. They never did any job and already took so many dollars out of my account. The result is zero. Absolutely zero. I believe its been more than 4 months with no results. Asked them to provide any reciepts for the work they did for me. all they do is electronic dispute which every one can. A paralegal promised that it will definitely be taken care of and it is very easy stuff to be removed by lexington law. I want CFPB to use UDAAP act against this agency. Every time I call these people say it is time taking process, it already took so many months with no results. I demand them to submit proofs that what they actually worked on case to fix my credit. And also in the XXXX report provided by lexington is false report. It is showing late payment months different from other two XXXX  and XXXX. The actual report provided from XXXX   website is different report from lexington law. They are bluffing that they recieved these reports from XXXX  directly.
Consumer complaint received 2020-01-29
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: Experian Information Solutions Inc. (AR)

I received a call from a student loan company asking me about loans that I never had or applied for. Immediately, registered to XXXX to see my credit reports. I found other accounts that didn't belong to me. Here are the accounts that need to deleted from credit report : XXXX XXXX   XXXX {$5600.00} XXXX XXXX XXXX  XXXX XXXX {$12000.00} XXXX  XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$970.00} {$1100.00} {$2600.00} {$3500.00} {$3500.00} {$7000.00} {$5000.00} {$3400.00} {$3100.00} {$5500.00} {$660.00} XXXX XXXX XXXX XXXX XXXX {$160.00}
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

I recently complained about Wells Fargo and a credit issue and although I disagreed with the company response in Case No. XXXX, nothing has been followed up on yet the company completely ignored the issues causing my concerns. 
Wells Fargo DID NOT address my concerns yet merely did the same thing they always have done which is ignore my complaints and refuse to explain issues I pointed out. 
Please reopen this complaint. They went through my personal bank account and went through all my checking statements, which I find very troubling as XXXX should only be able to look at my payments and statement from XXXX. XXXX Wells Fargo should not allow the review my personal purchases that have nothing to do with XXXX  payments. I advised in my complaint that payments made to Wells Fargo XXXX were withdrawn from my account 'immediately ', yet on the statements they have dates that do not align with when the payments were made. Example, make a payment via the Wells Fargo app, the money is taken out of my bank account IMMEDIATELY ( say a Thursday ). However, Wells Fargo would sometimes post these payments 3 & 4 days later ( not till Wednesday or Thursday ), making it appear the payments were later than they were. To be clear, when I made a payment to XXXX  money came out of my checking account right then!!!!! Reviewing my statement does NOTHING if you do not review the faulty payment system. My complaint pointed out that their payment system was not accurately reflecting payment posting dates and reviewing the statements has nothing to due with Wells Fargos faulty payment processing I complained about in my original complaint. In addition, Wells Fargo has incorrectly calculated the 28 days in XXXX. Combined with the delay in posting my payments due to the payment error on Wells Fargos side, Wells Fargo needs to remove the late payments and fix my credit report. I was also not late in XXXX & XXXX of 2019 yet WELLS FARGO refused to address that in my complaint too. Even if I was late 2x in one year per their misleading account statement ( XXXX & XXXX ), I WAS NOT LATE FOUR TIMES!!!! PLEASE GET THIS RESOLVED AND DO NOT LET WELLS FARGO PULL THE WOOL OVER YOUR EYES AGAIN!!
Consumer complaint received 2020-01-29
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: WELLS FARGO & COMPANY (NJ)

I have a business account that was closed due to a charge from Well Fargo Collection for a transaction that never happened. My merchant account with Wells Fargo was closed and the transaction was reversed. Then a month after I received the letter that the merchant account was closed and the transaction was reversed they then sent the same account to collection. I have spoken with merchant services, the collection department and made multiple calls to the securities department without a return call. As of today, I have an  account in collections that shouldn't be there and no one wants or seems able to correct this problem.
Consumer complaint received 2020-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received a payment on Saturday for {$1000.00} and when I attempted to Cash Out from XXXX and a search box populated for my bank and prompted me to enter my login information and this never happened before. Something seemed a bit strange so I said I would wait until Tuesday to see if the funds would hit my account they didn't. I checked my XXXX XXXX online and the funds were not available so I did a XXXX Search and I located the following number XXXX and a representative answered and asked if I had experienced this before and sent me a code and stated not to release the code to anyone and they were having server issues. He stated that my account needed to be verified and they would release the {$1000.00}. He knew the amount of the memo and the person 's name. He asked if I could contact the person that sent me the funds via the XXXX and verify the info so we did a three-way ; the " representative '' had the card number for which the funds were sent to me from XXXX and authenticated the sender 's info too. We ended the call and the " representative '' continued to say we needed additional verification. We contacted two additional parties I was becoming frustrated he was asking questions if the funds were there I was advising no and I was getting impatient. Anyway, long story short they hacked my XXXX account and impacted 2 of my family members/friends accounts for a total that exceeds {$5000.00}. The numbers that I have for the company is XXXX and XXXX. I contacted XXXX XXXX which is the owner of the XXXX number and reported the number for scamming and also contacted XXXX for the XXXX for the landline phone. I will also be contacting the Attorney General of New York.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion dropping my credit score for XXXX reason over XXXX points. I pay ALL my accounts on time and my cc usage is Waay under 10 %. Contacted them and they were NO help at all. Rep in XXXX was so unhelpful.
Consumer complaint received 2020-01-29
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

Please send the following information used to verify the validity of [ Manually type in the items you're wanting them to describe, i.e. ; identify item ( s ) by the name of the source, such as creditor or tax court, and the type of item, such as credit account, judgment, etc. ] : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I requested a balance transfer from my XXXX to a new Capital One card. After I submitted my request, I realized that I had accidentally put my XXXX   rewards number, and not the actual credit card account number, in the application. Believing that Capital One would not be able to approve this request without an accurate account number, I re-submitted the request, with the assumption that the original submission would be cancelled. 

I then saw on my account on XX/XX/XXXX, that the balance transfer had been completed twice - and twice the balance of my original request was on my new Capital One account. In addition, I had been charged TWO balance transfer fees. 

I called Capital One to see if the first transfer could be cancelled - since they did not even have the right account number for that request. I was told that it could not be cancelled, as funds are sent electronically. ( Note, the balance I was transferring is still on my XXXX account. ) I was then told that I would need to work with XXXX to have the additional amount transferred over refunded to me. 

I did ask the Capital One representative if the balance transfer fee for the first balance transfer could be refunded, because it was not at all my intention to have this transaction completed twice. However, she said there was no way she could lift the fee. 

1 ) I am upset and feel insecure as a consumer with the way Capital One handled my information and completed a balance transfer with an incorrect account number 2 ) I think it is wrong that I am being charged the balance transfer fee twice
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Charge of {$3500.00} was made on XX/XX/XXXX to the XXXX XXXX XXXX for a legal matter. For the 60 days following the agreement, the law office failed to correspond with me regarding the progress of this legal matter, did not acknowledge nor return my phone calls ( which had several scheduled phone appointments ) and emails. On XX/XX/XXXX, I emailed the attorney advising that I wanted to terminate the agreement for lack of service on her part. The office never responded. I contacted Capital One to file a dispute on the {$3500.00} charge. Capital One requested more information, which I provided. They then advised me on several occasions that my required documents were received late or I missed a reply to their requests, which I did not. They have said many times in their letters that this file would be closed. I have submitted all available documentation on time, with proof of receipt by Capital One via USPS or email transmittal. My position is that I never received the legal services that I paid {$3500.00} for. 
I signed the agreement with Ms. XXXX 's office in good faith that this matter would be resolved in a timely manner, with an open line of communication during the process. I failed to receive the communication, failed to receive the legal service and now I am at risk to lose the {$3500.00} fee that I paid to the XXXX XXXX XXXX via my Capital One credit card. The attorney claims she performed the expungement but I had to hire another attorney to do so. If she worked for the {$3500.00} then I want proof, which she has failed to provide.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I opened an escrow free Mortgage with XXXX XXXX XXXX in XX/XX/2017. I paid taxes and insurance myself. 
Six months later, XXXX sold my loan to Flagstar. Flagstar bank opened an escrow account without my consent. They claim I have a shortage, but I'm paying my taxes and insurance. Only thing I should be paying is principle and interest. I paid the escrow fees, while continuing to pay my taxes and insurance for six months. This last month, Flagstar increased the escrow fees 300 %. I have not missed an insurance payment and am current on my taxes. Since Flagstar increased the escrow fees, I have stopped paying escrow because I don't earn enough money. I have asked repeatedly for Flagstar to remove escrow from my account and refund me the money they have collected. They refuse.
Consumer complaint received 2020-01-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage Services has set a sale date of foreclosure on my home though I'm in their RMA process after they refused payments directly from me. Returned my payment and required that I call them to make payment arrangements. 
This is my second round of the process and as usual it's a joke. Each submittal of the same information, there is always something missing, etc. They are advising me foreclosure will halt once they get a complete packet. They've failed to review my last submittal and it's now been 5 business days since submitting and only 10 days until the sale of my house. I'm being DUAL TRACKED which is a mortgage violation in Texas. 
Additionally, I did file Chapter XXXX XX/XX/XXXX and it was dismissed in XX/XX/XXXX for late payments as I'm not always paid on time as a consultant. My XXXX Carrington Mortgage Services statement indicates past due amount of about $ 10K. My payment from XXXX has not been applied to the amount owed. 
My mortgage has increased every year as they can not calculate so my escrow has been in the negative for years. They tact that amount on top of other fees bringing my amount due on the XXXX statement to almost $ 43K. 
I have not seen any documentation as to the transfer or bought rights to service my mortgage either though I've asked. 
Additionally I did not receive statements during my bankruptcy and did not ever receive documents concerning what they agreed to be paid during the bankruptcy. Those statements aren't available to me per my conversations with Carrington Mortgage Services representatives during phone conversations. 
I paid in almost $ 29K from XX/XX/XXXX to XX/XX/XXXX, statements are not giving credit for those payments. It looks as if they're going to the let the foreclosure procedure before reviewing or finishing with the RMA process.