davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Well Fargo Bank, did not actively report to my credit report after a discharge of a bankruptcy in XX/XX/XXXX. I originally filed bankruptcy XX/XX/XXXX and paid if off at 100 % in XX/XX/XXXX. After multiple phone calls and Wells Fargo receiving a discharge from the Bankruptcy courts they continued to show my account in in their system as being active in a petition status for a filed Chapter XXXX bankruptcy which also resulted in the suppression of my credit reporting. They sent me a letter in XX/XX/XXXX which stated they had rectified the issue and now in a letter from them dated XX/XX/XXXX they tell me that the previous letter they sent in XXXX with inaccurate. They have now reported my account as closed and paid off at 100 % which is actively showing on my credit report. They tell me that they are trying to rectify the situation but have only caused further issues. Well Fargo has caused me to not be able to refinance my loan with 3 different companies due to this issue and now tell me that they do not have to have an answer for me until XX/XX/XXXX as to rectifying the situation, when the original date was XX/XX/XXXX. This financial institution acts as they choose and do not care about the damage or financial burden they put upon their members, in my opinion they attempt to keep you locked with their company which is a crime. They failed to report accurately to my credit report for 5 1/2 years and had me as being in active petition status in their systems for 5 1/2 years beyond the date that they should have rectified it.
Consumer complaint received 2023-02-28
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. (FL)

I am interested in disputing all invalid information on my credit report with Equifax. all files are supposed to be 100 % accurate an its not. this is hindering my file & causing denials. please delete an remove data listed asap.
Consumer complaint received 2023-02-28
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. (FL)

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

The Credit Card Company billed on XX/XX/XXXX a {$450.00} Membership Fee for the Periods of XX/XX/XXXX - XX/XX/XXXX ( 12 Months ). 

The Credit Card Account was cancelled on XX/XX/XXXX since The Customer was not satisfied with the Level of Service offered by The Credit Card after the Customer was a Good Customer since XXXX ( 17 years ). 

As of the date of Cancellation of the Credit Card Account only 5 of the 12 months of The Benefits offered by The Membership Fee had accrued. The Customer is seeking a reimbursement for the 7 months of Membership Dues which were not used since the benefits paid are no longer available to The Customer. 

The Customer is demanding a Re-Fund of the 7 months of Benfits that were not used ( XX/XX/XXXX - XX/XX/XXXX ) which accrues at {$37.00} per month for a total credit due of {$260.00} for the remaining 7 months. 

The Credit Card company does not want to issue this reimbursement and want to keep 7 months of unused benefits to their benefit.
Consumer complaint received 2018-12-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I was systematically and illegally mislead at every stage of repayment options of several student loans given to me by navient while i was unemployed. It's mathematically impossible for me to pay these several loans back in this lifetime. It has ruined my credit and life since XX/XX/2009. I tried to Income based pay back just to help my credit for 5 years and my debt has gone up. I was just paying interest they said. Please Help!!
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I contacted Citibank to check account bonus eligibility to make sure I did not have account within 180 days and was eligible for bonus before opening account. They confirmed I would get a {$400.00} bonus for Open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days I have screenshot of my chat with a representative on XXXX XXXX to confirm completion and credit of my credit on XX/XX/XXXX Account funded XXXX and completion on XX/XX/XXXX. 

After calling representative XX/XX/XXXX they opened a case to research the issue and resolve issue. I called for follow up on XX/XX/XXXX and representative said I no longer qualify for bonus.
Consumer complaint received 2021-07-14
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)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On 07/14/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Nationstar Mortgage d/b/a Mr. Cooper alleges to have acquired servicing/ownership rights to an alleged loan that was RESCINDED in writing XX/XX/2006 at XXXX XXXX ( see attached confirmation sheet ) from SETERUS INC.

SETERUS INC WAS finally made to surrender their license by both Federal and State regulators, but not before they passed their heavily flawd and fraudulent servicing platform on to Nationstar Mortgage d/b/a Mr. Cooper. 
XXXX XXXX was notified of the RESCISSION that took place in 2006 and was provided a copy via CERTIFIED mail. NATIONSTAR MORTGAGE d/b/a Mr. Cooper was also notified of the rescission. 
I have had more than {$200000.00} cash dollars extorted from me by XXXX before and the alleged loan was identified as a part of the national mortgage settlement agreement. ( see attached ). 
My home has no unpaid mortgage on it. SETERUS HAD NO ENFORCEABLE CONTRACT TO DEMAND MONEY NOR DOES NATIONSTAR MORTGAGE d/b/a Mr. Cooper. 
NATIONSTAR MORTGAGE d/b/a Mr. Cooper IS WILLFULLY with full knowledge filing fraudulent documents into the XXXX County Ga land records ( See attached ) IN VIOLATION OF GEORGIA 'S The Georgia Residential Mortgage Fraud Act ( O.C.G.A. 16-8-100 et seq. ) Under the Georgia law, a person commits the offense of residential mortgage fraud when, with the intent to defraud, the person : Files or causes to be filed with the official registrar of deeds of any county of Georgia any document the person knows to contain a deliberate misstatement, misrepresentation, or omission ... 
Nationstar Mortgage d/b/a Mr. Cooper is demanding I submit payments to them using a loan/account number that has no legal contract tied to it. Nationstar Mortgage d/b/a Mr. Cooper has assigned a void contract in my county land records to itself on behalf of XXXX XXXX. XXXX XXXX disavowed that fraudulent claim by SETERUS INC and XXXX XXXX confirmed and clarified its previously provided history with the former XXXX transaction in writing, making the assignment of NAtionstar a total fraud.
Consumer complaint received 2018-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IN)

I have been trying since XX/XX/2018 to get my loans recertified for an income-based repayment program, and due to errors by the servicer ( XXXX ), my recertification was delayed, and now, I have been placed into an inappropriate repayment plan. 

My recertification request, with my tax return and my spouse 's tax information, was submitted on XX/XX/18 ; after a request for additional income documentation on XX/XX/18, I provided that information the same day. 

On XX/XX/2018, I was notified that my request could not be processed, and on XX/XX/2018, I received a letter informing me that the issue with processing my recertification request was because my tax return had not been provided. I called XXXX, and after a discussion with Customer Service, it was agreed that my tax return had already been provided and that my application would be sent back for review. 

Despite repeated attempts to check on the status of my recertification, it took weeks longer for my recertification to be processed, and on XX/XX/2018, I learned of a new issue. My recertification was approved, however, after it was determined that I did not qualify for the repayment plan that I requested, and rather than placing me into a repayment plan with the next lowest payment ( IBR ), I was placed into REPAYE, which because it includesmy spouse 's income in its calculations, will increase my payments by approximately {$850.00} higher than IBR, the lowest repayment plan I qualify for. 

Per the XXXX representative I spoke with, my only option was to start the process over again with a new recertification application ; even though they had failed to follow the instructions of the program requirements of placing me in the lowest repayment plan I qualify for ( since I did not qualify for the one requested ). 

Unless I pay more than I should be having to pay, I will now be losing the ability to make qualifying payments for at least the next month, if not longer. There have been repeated errors and delays with the processing of my recertification.
Consumer complaint received 2021-07-14
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: LEXISNEXIS (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-10-05
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. (IL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

I contacted chime bank on XX/XX/XXXX livid because they closed my account after 2-3 years or longer banking with them receiving the same direct deposits. They claimed there was non compliance with Direct Deposits. 1st violation they closed my account with ZERO WARNING NO EMAIL NO CALL NO LETTER. After going back and forth they LIED and claimed to have mailed my checks for my spending account and credit builder account. On XX/XX/XXXX one of hundreds of employees because they outsource to XXXX claimed a check was mailed on XX/XX/XXXX. I requested a tracking number they can not give me one. Makes no sense checks were mailed but they have no tracking. One rep tells me a check was mailed another tells me if they have no tracking then they did not process the check so which is it? It is now XX/XX/XXXX and no check. I contacted XXXX and they have no packages in their system for my address. So chime has blatantly LIED about sending my funds. I have over 50 Emails going back and forth and have spoken to the same rep twice. They are providing false information to cover up whatever shady practices they are in involved in. I have my last bank statement so I am aware of exactly how much I am owed. I want my checks sent overnight with tracking to avoid this becoming a legal matter.
Consumer complaint received 2018-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I have several direct student loans and several parent plus student loans. After speaking with Nelnet ( the service provider ) on more than one occasion, I followed their guidance to consolidate my loans. ( XX/XX/2017 ). I now find out that by including one parent loan in the consolidation, I am only able to take advantage of the ICR repayment plan. This repayment plan caps at 20 % of my discretionary income. The other plans ( which I can not take advantage of because this one parent loan was included in the consolidation ), would carat 10 %. I have tried to deal with Nelnet on this issue. Their bad advice is the reason I can not have the lower payment. Nelnet customer service said there is no way to fix this problem.
Consumer complaint received 2018-12-13
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. (FL)

This is a Fraud file : I have constantly disputes the following account directly with Equifax, over 6 months. The following account are only showing with Equifax, and they have ignored me without proving me from where those accounts are coming from. I even send them a police report proving that they need to investigate those accounts, ( police report was sent on XX/XX/XXXX ). My credit report have been delinquent with information that doesn't belong to me, this PROBLEM is ONLY with EQUIFAX. Also I am concert that the reputation and consumer information of Equifax was stolen not long ago, and now I am paying the price of their fraud. 

How I want you to solve this problem : To call accountable EQUIFAX for the accounts that are reporting on my report, and deleted them as soon as possible. 

Those are the accounts information : 1 ) XXXX on XX/XX/XXXX for {$3400.00} 2 ) XXXX on XX/XX/XXXX for {$1000.00} 3 ) XXXX on XX/XX/XXXX for {$1000.00} 4 ) XXXX on XX/XX/XXXX for {$670.00} 5 ) XXXX on XX/XX/XXXX for {$980.00}
Consumer complaint received 2021-05-28
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)

I recently sent ftc.gov paperwork involving fraudulent activity to Equifax concerning unauthorized/fraudulent inquiries.According to FCRA section 604 By law unauthorized/fraudulent activities must me delete/remove. 

I demand unauthorized/fraudulent inquiries be remove/delete. 


UNAUTHORIZED/FRAUDULENT INQUIRIES XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (VA)

On XX/XX/2018, I was informed that Suntrust reported to all three credit bureaus that I was 30 days late on my car payment in XXXX. I have never been late on my car payment with Suntrust in 5 years. My last payment to Suntrust was in XXXX where I made two payments. One was my regular payment and the second payment  was a payoff. It was reported on my credit reports that I paid " on time '' every month for 4 years and 11 months. But in XXXX, when I made 2 payments, and paid my car off, Suntrust reported me as being 30 days late. The month before ( XXXX ) is reported on time, but the month after, which is the last month of my payment was reported 30 days late. This is impossible. I've never received any notices about being 30 days late because I've never been 30 days late. I've only received a Congratulations Letter, You have paid off your car loan with Suntrust. '' Suntrust 's error has negatively impacted my credit score by 46 points and I have worked extremely hard to maintain good credit. This is not my first occurrence with Suntrust 's banking error. Suntrust added a car loan belonging to someone else in the amount of {$30000.00} to my existing loan with them. It wasn't until I went online to pay my car note, that I noticed it. It took several months and hours on the phone with Suntrust trying to resolve this error. Just last month, I received letters from Suntrust saying that they were repossessing my car when my car was paid off! I also received notices from the US Postal service stating that this was their final request for action. I an now experiencing yet another one of Suntrust 's errors! I am currently dealing with death in my family, and this is added stress. This is poor customer service and substandard customer care. Is this how valued customers are valued? The victimization by Suntrust has to stop.
Consumer complaint received 2018-12-13
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (TX)

We submitted disputes with all 3 credit bureaus for a collection account XXXX funding that was not responding and double reported the debt for XXXX XXXXXXXX XXXX XXXX XXXX  was paid off but XXXX funding is still showing a balance even after our disputes began XXXX. 

The bureaus stated that they verified the information ...? how is this possible when the company hasn't verified with us the debtor. 

Please help us get this resolved. Attached is the letters we sent XX/XX/21