davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NV)

I had an outstanding bill from XXXX XXXX XXXX. The reason I had not paid the bill is because they added unauthorized charges to my account. I had a conversation and agreed to additional services, which I was told would reduce my monthly bill. That was incorrect and they demanded I pay XXXX  XXXX dollars for the changes. I asked them to review the telephone conversation I had with one of their agents as it was recorded, to which they declined. I informed them I had no intent to pay the fees they charged me without my consent. They turned me into a debt collector, to which I told them about this issue numerous times. I specifically told them the debt amount was incorrect, to which they told me that was not their problem. After trying to argue this through numerous phone calls with the collection agent, I eventually agreed to a settlement to get this off of my credit. This was done through XXXX on XX/XX/2021, reference number XXXX. The settlement was a reduction of approximately {$300.00} from the original bill amount of approximately {$900.00}. Now I have just received another call from a new collection agency, AFMI Collections, phone number XXXX. Apparently I have been turned in again to collections for the amount that the previous collection agent agreed to reduce my overall bill by. I am trying to clean up my credit so I can buy a home, and these people are nothing but bullies. How is it that the first company could continue to collect on a debt after I have informed them numerous times that it was not accurate? And then how can XXXX XXXX XXXX turn me in to collections AGAIN for an amount that was supposed to be waived. I need help please!
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (UT)

Received a collection notice from XXXX XXXX in regards to a XXXX bill that was not owed due to no contract with XXXX or XXXX. Debt was disputed to XXXX XXXX and even though the consumer Financial Protection Bureau # XXXX. Debt was resolved and account was closed. XXXX XXXX later forwarded this debt to ANOTHER collection agency : CBE Group , inc. which they are now attempting to collect the debt not owen under CS # XXXX. This debt is not valid and in violation of the fair debt collection practices act
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

There is an account that is settled on my credit report reporting as derogatory. Both the account status and the comments on both XXXX and XXXX are reflecting as paid/settled however the payment status is reflecting Collection/Charge-off.
Consumer complaint received 2021-05-18
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX and the Creditors ( Dept ED/XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have written and called all three credit agencies regarding the inquiries on my reports ... They have still not removed the unverified accounts ... 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (MD)

On XXXX XXXX, I spoke to a gentleman at Hunter Warfield and explained that I understood a debt was owed but that they needed to honor the request I signed to take a leaseholder off of the file a month after moving in. The representative asked that I email him the file which I did the same day. When I contacted him again, he advised that it will take a couple of days to resolve itself and asked me for payment when I reminded him that once they honor the contract I signed, I will be glad to start making payments. The other party involved kept getting letters saying that he would be sent to collections and the matter never got resolved.
On XXXX XXXX I get a call from quite a rude presentative who tells me that as the law, I can not disregard a contract that was signed and kept cutting me off until rudely telling me good luck and hanging up. Hunter Warlfied has sent notices to all the addresses I have been affiliated to and also the other person that on the lease with me ( who was supposed to be taken off ).
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 {$400.00} was removed from my personal checking account with a description that says Legal Recovery Set-Off. On XX/XX/2020 I received a notice that was a statement of account regarding this transaction. The last four numbers of the account number belong to an account that has been closed for over a year yet is still being reported as active and performing on my credit report I received a letter from Wells Fargo XXXX XXXX XXXX that was a statement of account regarding the transaction. To my knowledge a closed account is one that is no longer open to credits or debits and therefore no statements of accounts are produced. The letter listed my checking account balance, the amount debited, and the checking account balance after the debit, as well as a balance before and after the transaction to a " debt account '' that was credited. This is by definition a statement of account that evidences a live and performing account. 

I have never heard of a debt account and was unable to find any information about one in any Wells Fargo customer agreement. I called their customer service line for more information and was given very little information. I then sent a letter ( 15 days ago ) asking for specific details regarding the account, including but not limited to, a copy of the application, the terms and conditions, the amount loaned, as well as any statements or correspondences associated with the account. This request was ignored. 

When I called Wells Fargo to dispute the transaction and obtain more information about the account, I was told that they were unable to reverse the charge. I was then transferred to a different department who claimed that they were handling the account. When I requested more information about the account I was told that they were unable to give me anything in writing that outlined the account but that I could contact their lawyer in order to set up a payment plan. I then asked who was the owner of the account and they stated that the account was being held at Wells Fargo but I was unable to make any changes to the account or receive any information about the account through Wells Fargo. IT seems to me as if Wells Fargo has either converted a former account into a new account without my knowledge, or has reopened a closed account and is concealing information about it for their own nefarious purposes. 

I have demanded, on several occasions in the past that Wells Fargo and their lawyers provide me with verification or cease and desist collection activity as outlined in the FDCPA. They have instead breached their own customer agreement, provided false information to credit reporting agencies, ignored my correspondences, sent false and misleading letters, violated the FDCPA, FCRA, and publicly disclosed my social security number for anyone who has been given access to my account information.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IN)

Chime Closed My Account XXXX XXXX, 2021 due to too much funds in my account / unemployment money. I been contacting them to returning my funds since XX/XX/XXXX. Everytime I call chime customer service hangs up on me. I trying to get my {$2700.00} back. I have been sending them the information chime needed to return my funds and they still have not returned my funds. Today is XX/XX/XXXX ,2021 and I still do not have my money. Im late on bills because of this.
Consumer complaint received 2021-04-14
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. (SC)

I called Equifax to have my inquiries removed immediately because i am a victim of their inquiry issue and i also never authorized these inquiries. I called several times and they refused to remove these 7 inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
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. (MD)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Submitted a request to Equifax to place a security freeze on my minor daughter 's account. ( XXXX  and XXXX  completed my request and gave me a pin for the security freeze ). Equifax took my money cashed it for the request and never sent me a pin # or confirmed the security freeze was on my daughter 's account. 


I submitted my request on XX/XX/2018 but to no avail. I also filed a complaint id # XXXX with CFPB but Equifax fail to send the pin # for my daughter 's credit report freeze. 


See attach the request I sent to them and the check that they cash but they fail to conclude with the request. ( XXXX  and XXXX  has placed security freezes on my daughter account and send me a pin ) Exquifax has not.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (DE)

Navient Who services my loan has put 12 missed payments on my credit report although I only missed 2 payments a year and a half ago. I only make one payment a month to them and do not understand how 12 late payments can be on my report, they refuse to take them off and I have called both the credit bureaus and Navient to try to fix the issue but have no luck.
Consumer complaint received 2017-07-26
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. (OK)

I obtained XXXX separate student loans from XX/XX/XXXX to XX/XX/XXXX to attend XXXX College XXXX XXXX  XXXX. Nelnet was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XX/XX/XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the Department of Education. In XX/XX/XXXX, I applied for XXXX XXXX XXXX XXXX XXXX through Nelnet and satisfied all of the requirements for the three year monitoring period. In XX/XX/XXXX, I received a discharge letter from Nelnet. All XXXX of my loans are being reported twice on my credit report by Nelnet. Nelnet corrected the status of XXXX of these accounts to " current, paid as agreed '' after I disputed a false late pay on my XXXX  report during XX/XX/XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining XXXX loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that Nelnet would correct the reporting of these accounts, however this has yielded more issues. Nelnet responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called Nelnet to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. Nelnet reported all XXXX of my loans on my credit file with all three bureaus a second time, these loans are reported in good standing. However, the loans are listed XXXX by Nelnet now, with the status not being corrected on the first set of loans reported. Also, all XXXX of the loans are listed on my report by the Department of Education in a paid, written off collection status. These loans reported by the Department of Education were in good standing up until the point where " inappropriate '' corrections were made. In short, I have XXXX separate loans that are being reported three times with all XXXX  bureaus. Each loan is being reported as a derogatory account XXXX, XXXX by Nelnet and XXXX by the Department of Education. This amounts to XXXX derogatory accounts on EACH of the XXXX bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are discharged they should be completely stricken from my credit file. I have attached the letter of discharge from Nelnet.
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase started an escrow account for my condo association insurance. To be clear, they placed an escrow on my account to require me to pay escrow for the entire building. Last year they asked me for proof of coverage and I submitted the condo association policy, which covers my unit, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX and the three other units in the building. 

I have called repeatedly. Their people are uninformed and rude. No bank is allowed to effectively force place insurance for an association on a mortgage customer who only owns one unit. They are supposed to confirm that I have coverage. I have coverage through my condo association and I have an excess coverage policy. 

Chase has caused me significant stress and strain, because they do not know how to service flood insurance. The front line team and the escalation team ignore communications. I have sent them supporting documentation and they ignore it. Finally, customers who do agree to escrow on mortgage are given discounts. I don't have any discounts and all insurance on my home has been paid in full. I need Chase to give me back my money and fix this so it doesn't happen again. Dealing with Chase on this matter has been exhausting
Consumer complaint received 2019-10-22
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)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.
Consumer complaint received 2017-03-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

The interest rate on my loan more than doubled during Navient 's handling of my loan. Interest was charged incorrectly and payment status needs to be corrected. I would like a refund of overcharging for interest payments made.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I went on training on XX/XX/2018 and returned home in XXXX told the loan company i was in training and cant log on to bay my loan until i get home, my credit score went from a XXXX to a XXXX and they refuse to remove the marks from my account i have email trails
Consumer complaint received 2019-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (FL)

sallie mae promised forms for my doctor to fill out because I am XXXX and so my husband, the loan can be forgiven, then they took it back, they lied to myself and husband, now threaten to ruin our lives financially, the rude employee XXXX, said she didnt care about helping us they are violating a cease and desist with constant robot calls my son told they work out a payment they want XXXX per month on XXXX at high unsteady if 12 % they loan sharks. The school didnt tell us it was private loan they are predatory, I can pay XXXX per month on XXXX
Consumer complaint received 2019-02-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK (CA)

Discover stated they only report 60 day late payments. I fell on hard times and became XXXX, so for almost 2 months didn't have any money but I was aware to pay the bill before 60 days. My payments were {$560.00}. I paid my XX/XX/XXXX payment on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, and XX/XX/XXXX on XX/XX/XXXX. Over this time, they have increased my payments twice. That is not something I was aware that they could do. When I called about making a payment {$560.00}, I don't recall them correcting me about a minimum payment. When I made a payment on XX/XX/XXXX for {$560.00}. According to Discover, I missed the minimum payment by {$2.00} and so they reported me and my co-signer to my creditors and dropped my credit score by 100 points. I called them to tell them it was an honest mistake b/c I didn't know they were increasing my payments because I really didn't have a residents at the time. I asked them for assistance since it was an honest error twice. I've offered to pay more money and catch up if it could be taken off credit report. They have stated they do not have the power to do that. I am just asking for some help from anyone. Discover makes it very difficult to stay on top of payments. I try my best but it seems like they change the goal post so I can never satisfy them. My loan was originally with XXXX but they sold it to Discover. I've tried to get my cosigner removed but they don't allow it even with a satisfying record.