davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

My loan payment was due XX/XX/XXXX. I have made on time payments for 7 years.Never late. My payment the was scheduled didn't get processed. XX/XX/XXXX I made another payment-but navient made me pay for XXXX and XXXX {$1400.00}. I had no other option. XX/XX/XXXX my cosigners received calls at XXXX saying my loans are past due and going into collections. I called navient today and they said they have not received a payment. Even though I showed that I payed. They said that payment XX/XX/XXXX was canceled. So I payed again today {$1400.00}, bc they have called my cosigners and sending emails to all of us. 

Now they have 4 monthly payments from me after lying saying I didn't make any payments. 

I called and they said they can't do anything about it. That both payments are getting processed. They then said we will have a conference call with my bank and proceed to leave me out of the conference call. They also said I would be denied for cosigners release because I was delinquent on a payment that I payed for already. I will be reimbursed the money in 5-10 business days in which all my checks will bounce. 


They wanted me to go delinquent on my loan. Making me pay for XXXX a month in advance. They processed my payment late, said the payment didn't exist and made me pay again after calling all my cosigners. I have been harassed and bullied by navient.
Consumer complaint received 2019-12-02
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. (UT)

XXXX XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo sold my mortgage to XXXX XXXX the day after I closed in XX/XX/2007. Wells Fargo claims to be the servicer AND holds the note according to evidence and a statement they declared in my forclosure court case. How can this be possible with no paper trail or any documents showing this sale ever took place tying Wells Fargo and XXXX XXXX together regarding my property? How do I know it wasnt sold again to another investor that will make me liable years from now. The way I would know, according to my mortgage contract, says that whoever holds the note is the owner. Thats not the case, XXXX XXXX owns my loan. XXXX XXXX is the one that must forclose on my property. Wells Fargo sold my mortgage, along with its servicing rights and note, and was too busy to put anything on paper, so they continued to service it, and still do to this day. Not to mention, the note was never actually signed by Wells Fargo. It had a stamp showing the name XXXX XXXX XXXX Vice President Wells Fargo. I bet if we look at hundreds if not thousands of loans from XX/XX/2007, youll see this forged stamp signed off loans All across the country which would mean my note was never properly signed ( or dated ). It was not endorsed in blank which would make it impossible to transfer to XXXX XXXX in the first place. 
Wells Fargo forced this forclosure and in turn I have had to file bankruptcy which is ruining my life. No attorneys will help me, but they can see clear as day, that THIS IS FRAUD. Im tired of my life being affected because of some powerful jerks that dont care about my home. Im not leaving my condo if I have to shackle myself to the front door or Ride a donkey through the front doors or a Wells Fargo branch to get media attention. This is wrong and I NEED HELP. 
Cases exactly like mine have been handled by attorneys and have WON in the appeals courts for millions in damages to homeowners with the exact situation I am in. The difference is they have money for an attorney, I do not.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am filing this complaint against Equifax for their ongoing failure to maintain accurate and complete information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to dispute and correct erroneous information, Equifax has persistently reported false, inaccurate, and misleading information on my credit file. I have provided Equifax with the correct and accurate information that should be reflected on my credit report, including my name, date of birth, Social Security number, address, and phone number. Additionally, I have disputed specific accounts that are inaccurately reported on my credit report, yet Equifax has failed to correct these errors or conduct a proper investigation as required by law.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear EXPERIAN, I am writing to dispute the following inaccurate information that is currently listed on my credit report. Please see the details below for each account that requires correction or removal : 1. **Inquiry : XXXX** XXXX Dispute Reason : Unauthorized Inquiry - Relevant Law : 15 USC 1681b - Details : XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX. **XXXX  XXXX XXXX Acct XXXX XXXX XXXX ** - Dispute Reason : Late Payment - Relevant Law : 15 USC 1666b 3. **XXXX  ( Acct XXXX XXXX XXXX ) ** - Dispute Reason : Inaccurate Reporting - Relevant Law : 15 USC 1681s-2 4. XXXX XXXX  ( Acct # XXXX ) ** - Dispute Reason : Inaccurate Reporting - Relevant Law : 15 USC 1681s-2 5. XXXX XXXX ( Acct # XXXX ) ** - Dispute Reason : Inaccurate Reporting - Relevant Law : 15 USC 1681s-2 6. XXXX XXXX Acct # XXXX ) ** - Dispute Reason : Inaccurate Reporting - Relevant Law : 15 USC 1681s-2 Please investigate these matters and remove or correct the inaccurate information as soon as possible. I have included copies of my credit report and relevant documents to assist with the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (OH)

I opened a new account with XXXX/XXXX XXXX earlier this month. Mistakes were made and I believe they charged my Visa account incorrectly. We have two charges, one for a valid payment on account and another unauthorized charge that XXXX will not take responsibility for. They want me to declare it as fraudulent to my bank. That would require notifying several merchants that we do business with of the new card number to be issued. I am not prepared to concede that it is fraud, but an error on XXXX 's part. 
The charge lines are for two different merchant accounts, it appears. One is XXXX OH, the other is XXXX TX. I would like contact info for each or at least the TX merchant to allow me to straighten this out, hopefully without going through closing my account and opening a new one. 
XXXX and PNC Bank customer service reps are not being as helpful as I had hoped. Can you help with this? 
Charges made XX/XX/2019 XXXX XXXX OH for XXXX ok XX/XX/2019 XXXX XXXX XXXX TX for XXXX Wrong
Consumer complaint received 2020-02-28
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. (GA)

I applied for a credit card end was denied. I went home end look at my credit and see there is still things on there that is not mine. I thought this was taken care of but it was not. I should have just followed up and not took you all word. Please remove this stuff from my credit XXXX, XXXX XXXX, XXXX. I also see inquiries that are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and the police.
Consumer complaint received 2021-12-02
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: PNC Bank N.A. (NJ)

I had an auto loan with PNC Bank. I closed the loan in XXXX of 2021. 

As of XX/XX/2021, they updated my credit reports with late payments. 

I do not know why this account would be updating my report after they are closed. 

This hurt my report and I am looking to buy a home.
Consumer complaint received 2021-04-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (GA)

According to my promissory notes signed by my cosigner and myself for my UNDERGRADUATE LOANS, there is no language that stipulates a deferment amount of 120 months for an undergraduate loan or on any other paperwork support their deferment policy. Also, you will see on my attached paperwork that our disbursement does match the amount we had signed for. XXXX did not fulfill their contractual obligation and therefore, it should be voided. The amount of loan should be charged off and any payments made on behalf of the loan should be refunded.
Consumer complaint received 2019-03-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

Back in 2015, I rented a house and the house had some major issues wrong with it. I went to court and the judge signed a judgement for {$1700.00} in favor of the landlord, the landlord already had a security deposit of {$1200.00}, which left a balance of {$400.00}. The landlord is reporting that I owe {$2800.00} and hired the collection agency Hunter Wardfield to collect. I have reached out multiple times to the agency and I have disputed at 3 times the credit bureaus, I getting back that this is a valid debt. So I have been advised to file a complaint with CFPB. In the judgment, it does include 3 % interest, but I have been trying to get this problem corrected since 2015 and I dont think I should pay, something that was awarded to them. I received a itemized breakdown of the {$2800.00} and all items were included in the judgment of {$1700.00} .... I have included all documentation.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2018-09-25
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: United Student Aid (USA) Funds (FL)

I am extremely tired of XXXX 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX  because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with XXXX! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to XXXX and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? XXXX is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that XXXX  loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that XXXX  delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.
Consumer complaint received 2019-06-28
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. (VA)

I checked my credit score using XXXX XXXX  on XX/XX/XXXX and it showed that my equifax score dropped XXXX points. I contacted the credit company and they informed me I had 30 missed payments for my federal student loans. I then contacted the federal loans creditor and informed them that since I am XXXX XXXX and my loan amount is so high I am in deferment status and I was told that when I contacted them 7 months prior when I joined the Military. They said it was an error on their part that shouldnt have happened and contacted the creditors to let them know that I am in fact in deferment and do have any monthly payments therefore I shouldnt have any missed payments on my credit score. Equifax updated their information about my deferment status, however did not take the delinquencys off of my credit which is what cause my credit to drop in the first place. I called Equifax and asked them to take the delinquencys off of my report as it was an error with the creditor and not due to my lack of payments. They said they would look into it but did not make any changes. Because I am XXXX XXXX military you need to be in good credit standing in order to maintain your security clearance as well as your job. This error both on XXXXs part as well as the federal loans part is now putting my security clearance as well as my job in jeopardy. I did everything I was supposed to do to prove it was an error and now I need Equifax to remove the delinquencys off of my report so my credit score can go back to what it was and to ensure the safety of my job.
Consumer complaint received 2019-06-28
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. (CA)

According to all credit reporting agencies have my student loan debt reporting 1 90 day late and nothing else my account was in Different this reported date was on or around XX/XX/2015 I need this 90 day removed from my credit history!
Consumer complaint received 2019-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I WAS GIVEN A MODIFICATION I MADE THE 3 PAYMENTS AFTER I MADE THE PAYMENTS THEN ( WELLS FARGO ) SENT ME A LETTER SAYING I DIDN'T QUALIFY FOR THE MODIFICATION THIS WAS BACK IN 2008 I HAVE BEEN TRYING TO MODIFY Y THE MORTGAGE AGAIN SINCE THEN THEY HAVE DENIED ME NO MATTER WHAT MY INCOME IS
Consumer complaint received 2019-06-28
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. (GA)

There are inquiries appearing on my Equifax credit report that I did not initiate. I did not apply for credit with these companies. I have file identity theft report and attached to this complaint. Please assist me in resolving this matter amicably.
Consumer complaint received 2019-06-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCash Holding LLC (IL)

In XXXX I took out two payday loans with AmeriCash Loans. At some point I defaulted on the loans and AmeriCash garnished my wages to fulfill the remaining balance of the loans. I received my original contracts back from AmeriCash stamped paid in full. On XX/XX/XXXX XXXX XXXX XXXX, a debt collection company, listed a new item on my credit report for {$140.00} with the original creditor listed as AmeriCash loans. I called AmeriCash and they stated that all of my loans were paid in full and I needed to contact XXXX XXXX XXXX to have the item removed. As of XX/XX/XXXX, I have never received a phone call or letter notifying me of this debt or my ability to dispute it. On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX disputing this debt, and requesting proof of the debt owed. As of today, XX/XX/XXXX, I have not received an acknowledgement of receipt of the letter, nor the documentation requested. Meanwhile the debt is continuing to be reported to the credit bureau with the last reporting on XX/XX/XXXX. This is lowering my credit score, and for a debt I do not owe.
Consumer complaint received 2019-06-28
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 have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've have provided the bureau with an FTC Identity theft report, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ). I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, services, or for any other purpose as described in this report. I did not receive any money, goods, services, or other benefits as a result of these events described in this report.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX is reporting a inaccurate last payment for a charged off account for Equifax it is showing last payment was XXXX XXXX and for XXXX  it is showing last payment date XXXX XXXX Please verify and delete all inaccurate accounts
Consumer complaint received 2019-06-27
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. (GA)

Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Consumer complaint received 2019-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MO)

CitiBank has reported a negative erroneous account to my consumer credit report. I have no knowledge of this account. I've disputed this account countless time & their validating the debt as accurate. However they have yet to show me verification. Under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA  they're required to promptly DELETE off all credit bureaus ( XXXX, XXXX  & XXXX ). This action has hinder me negatively, not only myself but, my family as well.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contact all three major bureaus regarding public record reporting invalidly they refuse to properly investigate and remove invalid account from report. Chapter XXXX Bankruptcy has wrong reference/ case number, filing date, liability amount. Liability/asset amount not XXXX, did not file XX/XX/XXXX or XX/XX/XXXX. Also based off new public record law XX/XX/XXXX " All Account invalidly reporting will be removed ''. been trying to get this item removed for 2 years now