davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-21
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. (TX)

I am a cosigner on a student loan for my daughter. I have tried to stay current on this loan even though I was laid off due to covaid19. My daughter XXXX XXXX called the company to put her loans in forbearance which was granted on her loans, just not this loan which she was unaware of. If you`re calling for forbearance why wouldn't you do all your loans? She made payments on loans without being aware of where they were going to apply them. This whole process was confusing as to what was owed and when. I was told all taken care of by her. The company is saying I was past due in an XX/XX/XXXX electronic letter which I didn't see till XXXX for XXXX. My credit report shows a late payment for XXXX for XXXX. Yet the company sent a response saying no payment posted til XX/XX/XXXX and then they sent the letter out. Why doesn't the credit report show XXXX late if they received no payments? I didn't receive any non electronic mail on the problem until XX/XX/XXXX when I immediately made payment. She attempted to get an explanation from the company as to why only one loan was in forbearance and not the other. She tried to get an explanation as to why the money paid went to certain loans and not others. I am attempting to point out that the whole process is confusing and not being reported correctly.
Consumer complaint received 2018-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX, my XXXX credit report shows 11 hard inquires and an additional 8 inquires on XX/XX/XXXX. At that time, I agreed to co-sign on a vehicle but had NO IDEA, my credit would be checked 19 times!! 

A list of the credit unions include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I realize that these are inquiries and have not significantly affected my credit SCORE but I was just denied for a travel benefit credit card due to this number of inquiries. I would sincerely appreciate if something could be done to have these removed.
Consumer complaint received 2017-11-03
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: SUNTRUST BANKS, INC. (AR)

I issued an money order on XX/XX/XXXX-submitted to my apartment manager for payment, 2 weeks later i got a notice telling me my rent is past due- $ XXXX-money order payment thru XXXX XXXX. I called XXXX XXXX to report stolen money order and it had been cashed on XX/XX/XXXX- to sun trust bank, not sure of which bank, XXXX XXXX will not provide me with that information. I worked with XXXX XXXX for several months, then i get a letter where suntrust bank denied paying of stolen money order.
I have never met or seen the person whom name-XXXX XXXX is on this money order. The money order was cashed without a signature and identity.
I had to pay a double rent of {$560.00}, for the month of XX/XX/XXXX, which caused me hardship as a single parent withXX/XX/XXXXchildren and XXXX XXXX XXXX, and I do not get any government services. I can not afford to loose that much money.
XXXX XXXX did not require me to do a police report, because they stated they could clearly see money order altered and I did a affidavit and it was notarized, if there is anything else I can do please let me know..
Consumer complaint received 2021-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo first stated my personal property wasnt mine, allowed XXXX XXXX who was mistakenly hired by XXXX XXXX to steal {$500.00} from me, and never deliver the remaining {$200.00}. Upon perfunctory and cursory review, Wells Fargo has lost at least 5 lawsuits totaling billions of dollars each for defrauding clients. 

Their solution is indeterminate, a void contract, and a proven lie, false promises with no delivery, as they stated the check was rendered by me on XX/XX/XXXX when I was in the ER at XXXX XXXX XXXX XXXX in XXXX, AZ for XXXX hours due to a XXXX. They further stated my monies of {$200.00} would be returned after a fabricated 60 days following their chosen date of XX/XX/XXXX, whereas no check was received at my mothers address of XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 

Their track record, like XXXX, is marred with blatant corruption : lack of disclosure, fictional recounting of events, indeterminate and changing timelines with fallacious reasoning, and non-delivery without forced compliance.
Consumer complaint received 2021-02-21
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. (OH)

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. Also, I found the following accounts that do not belong to me that should be removed as well : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX,XX/XX/XXXX # XXXX
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 — Account status incorrect
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes, Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (KY)

I went thru the forbearance program and I wasn't offered any solutions to make payments only option I was given was a short sale. I received a letter to pay full past due balance and I never can speak to anyone about tbs and I made it clear I was it trying to sale my home then the letter I received stated I made XXXX gross a month which is not correct. I have been with US Bank for XXXX years
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had a credit card with Bank of America sinceXX/XX/XXXX. In fact it is my oldest credit card and had a decent credit limit on it. These items are important as they are factors in determining my credit score.
According to the bank they closed my card on XX/XX/XXXX. Bank of America never contacted me to tell me they were going to close my account, nor did they inform me when the account was closed. I became aware that this had happened on XX/XX/XXXXwhen a credit monitoring service notified me that one of my accounts on my credit report had been reported as closed.
I called Bank of America today,XX/XX/XXXX, to have them reinstate the card. I was first put in touch with a man who could not have been less helpful or poorly trained. He then mistakenly transferred me to their fraud department who, after doing their own digging, determined I should be transferred to their credit department. I finally spoke to a woman who was able to understand the problem but informed me that the bank would not re-open the card. I was then told I could re-apply for a new card which does not help me.
I think it is horrible that Bank of America would be so cavalier  with other people 's credit and credit worthiness. My credit history is now shorter, the average age of my accounts younger, and my available credit diminished. I was a customer in good standing and never had a late payment. In addition the unilateral action with no prior information and no way to reverse this is startling.
Consumer complaint received 2017-11-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Solutions Group, LLC (TX)

This company who named themselves as XXXX XXXX by phone, but recovery solutions group via email. Started leaving voicemails that should 've been private on my cell phone and the cellphone of someone I 'm close to. Below is the numbers called and a summary of what the agent said. I still have all recordings if needed. 

On XXXX at XXXX and at XXXX stating that I was being contacted from the Clients process division for an order on 2 pending matters. If I wanted to voluntarily resolve the issue to contact their offices. The messages were left on my cellphone and my friends cellphone. 

This company who never left their name again left a voicemail on XXXX, XXXX saying I was going to be served paperwork at my place of residence or employment for failure to respond. Those messages were left on a phone number which is not my number. 


This company left 2 voicemails on XXXX at XXXX XXXX and XXXX XXXX on my cellphone and my friends phone numbers stating your office need to verify my address to handle this matter outside of my county. 
The agent went on to say she could be contacting my Human Resources department, but the client was will to resolve the matter if I called in today.
This prompted me to call into their office while recovering from a XXXX that I had not even a week prior. Only to encounter the rudest person I 've ever spoken to. I told their representative that I had n't gotten any correspondence from their company and asked for an address. The representative refused to give me the address and threatened me with garnishment if I did n't comply and hung up on me when I refused. I called back and talked to XXXX who said she was a manager and she was unprofessional to say the least. She also refused to give me an address and threatened me with garnishment and hung up on me. 

I called back and asked for an address to send a letter requesting this company not call me any more the representatives refused to give it to me and repeatedly hung up on me. I eventually had them email me a settlement offer. Which I replied to asking them not to call me. The letter was sent once I provided them banking information. 

I did n't feel good about the whole thing so I put a stopped payment on the check. This company then calls both my cell and my friends and and left a message saying that a check bounced in their office and I needdd to contact them. Both messages were left on XXXX XXXX, XXXX.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

Borrower was placed on a forbearance due to CV-19 related hardship. At this time she is still struggling financially and her mortgage servicer refuses to offer any alternatives to foreclosure if she is not able to pay the amount past due once her forbearance period is over. She is not able to make a balloon payment as her financial situation has not recovered. Borrower has had a difficult time getting a hold of someone at Fay Servicing.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (LA)

Dear national credit systems, I am in receipt of the letter you sent to collect a debt from me, I am for certain that i do not owe your company any money. For starters, I have never done business with you. in Fact, I have never heard of your company until having received this letter in the mail. What i find strange is your attempt to settle the debt with me when i do n't owe you any money in the first place! Why would i settle on something i do n't even know?! Seriously informing that i have a debt when i never signed a contract with you and you do n't have my signature nor my drivers license for a contract stating Im liable ... .Again, I do n't owe you any money!! ' With all that being said, Please See this letter as me disputing this alleged debt with your company as well as requesting debt validation. Please send me a legal binding contract and agreement that legally binds me to owing your company!! I have been disputing this debt with your company hence you have never supplied legal supporting documents, this is my last and final time to ask you for correct validation. 

thirty days should be more than enough time for you to send me legal supporting supporting documents bearing that I 've done business with you, Hence owing your company, i also have attached my attorney on here as well for your response. 

Regards, XXXX XXXX CC Attorney XXXX XXXX
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (WI)

A collection # XXXX was started by National Credit Systems , Inc. for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XX/XX/XXXX and provided a release from National Credit Systems on National Credit Systems ' letterhead. 

Everything appeared to be fine until a derogatory report/collection action appeared on my XXXX credit report in XXXX of last year. I immediately disputed the report with both National Credit Systems and XXXX. National Credit Systems claims that I was removed from their collection and multiple XXXX representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history. 

Here is the fax cover letter I sent to XXXX : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with National Credit Systems , IncXXXX and National Credit Systems erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 

1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed National Credit Systems to remove my name from the account and collection action. Ive attached that email sent XX/XX/XXXX. 

2. National Credit Systems complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated XX/XX/XXXX, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by National Credit Systems.

Please immediately remove the National Credit Systems , Inc. collection listing from my report. 

Thank You,
Consumer complaint received 2019-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

This is my 3rd CFPB complaint. FedLoan Servicing continues to fail to properly account for my PSLF qualifying payments. I have sent countless requests since XXXX to have my loans manually counted, but I have yet to receive an accounting that makes logical sense. I make one payment every month that is supposed to be applied to the minimum balance on all my loans. If my payments were being applied consistently every month, all of my loans disbursed on XX/XX/XXXX would have the same number of qualifying payments ... but, they DO NOT! My most recent recount as reflected in the XX/XX/XXXX correspondence FedLoan sent me shows some XX/XX/XXXX loans having 62 payments, while some have 63 payments. In addition, loans that were disbursed just 2 months after the XX/XX/XXXX loans, on XX/XX/XXXX, have a 7 month discrepancy in payments between them. Furthermore, two loans disbursed on XX/XX/XXXX have different qualifying payment amounts as well. 

Based on my phone conversation with reps XXXX and XXXX on XX/XX/XXXX, I have been making qualifying payments on all my loans since XX/XX/XXXX. Total months from XXXX = 78 months. I had 3 late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which did not qualify, XXXX = XXXX. I also have 8 months of forbearance/deferment, XXXX, XXXX and XXXX. XXXX XXXX. Based upon my calculations, my qualifying payments should reflect as follows : Loans disbursed XX/XX/XXXX = XXXX qualifying payments " QP '', Loans disbursed XX/XX/XXXX = XXXX QP, Loans disbursed XX/XX/XXXX = XXXX QP, Loans disbursed XX/XX/XXXX = XXXX QP.
Consumer complaint received 2017-11-06
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: SCA Collections, Inc. (FL)

I submitted a request to have a medical debt removed from my credit report. I had previously asked for validation, even though the collection agency states I did not, and had not received anything until 4 days ago. Upon opening the envelope, I was shocked to see a statement of procedures I received from XXXX XXXX. I have no problem paying what they state I owe, which I also dispute but will just eat it and pay, but I feel a Hipaa violation has occurred with a list of my medical procedures being sold to an agency for collection. Furthermore, XXXX XXXX XXXX XXXX is not licensed to collect in XXXX, Florida.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST (KS)

I started the process to refinance my home mortgage on XXXX. I have my current mortgage with Bank of the West and have had it for probably twenty years. I am going through Bank of the West also for the refinance. The first loan application was emailed to me on XXXX. The load officer is XXXX XXXX XXXX # XXXX. Thirty days passed and when I called XXXX to ask the status of my loan he told me that application had timed out and he needed to resend the exact same file so I could resign it. The application he sent had several increases in loan costs for me and I questioned these. He then admitted that the original values were incorrect and that is why he submitted a new loan application on XXXX. He lied and said the first application had timed out over thirty days but in reality he held on to the application because of his mistakes. After arguing with him he finally submitted a third loan application on XXXX for me to sign through email. There are still values on that application that are not correct and he has told me they will get straightened out. He is charging me a refinance fee to correct his mistakes. I argued with him and said I should not have to pay for his time to correct his mistakes and he said if I don't sign the application I will not get the loan. He sent me a Loan Disclosure form supposedly with the final numbers and there are still mistakes. I do not get anywhere with him when I speak to him on the phone or through emails. I am livid with the fact that it has been over 14 weeks since I started this process and it still is not done. The loan application was only good until the date of XXXX which has passed. XXXX said that date can be extended by I believe he is stalling on purpose. All of our conversations and emails are recorded and I want some kind of assistance to get him reprimanded for the lies and deceit. On XXXX the loan processor XXXX XXXX called me and I complained and told her I was going to file a complaint against XXXX XXXX. I am sure he has heard this and now I am being ignored and doubt my loan will ever get processed. Every time XXXX calls she asks for information that I have already given her or XXXX and sometimes I am asked two or three times for the same information. I need help from someone who can review all the paperwork and telephone recordings and emails and get this process done. I am getting physically sick from the extreme stress and incompetence from XXXX XXXX. Please help. Thank you.
Consumer complaint received 2017-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I open up a XXXX gold checking account back in the beginning of XX/XX/XXXXI had two check deposits which one of the deposits was my settlement for my attorney for XXXX + the second deposit that I had made into the account was XXXX the check was given by my employee supposedly the XXXX  check got returned back to my employee because of being a bad check so because of this matter citi Bank decides to close my account on XX/XX/XXXXhave to closure of this account till today I 'm not being able to access any my funds and the reason is they do n't have no reason they stayed that I have to wait about 60 days in order for me to have access to my funds, why I have to wait 60 days for no reason of the closure of the account and every time I 'm calling the representatives to the fraud department in going to the bank and nobody is giving me a decent answer I 'm getting run around and trying to understand why am I being held for my money for 60 days, i have XXXX  kids XXXX XXXX and XXXX XXXX XXXX i work hard for my money barely making with that paycheck week by week and the fun that I have in the account that I have to wait for 60 days which has nothing to do beeing my fault which now its going to be hard for me to support my XXXX kids not having access to those funds whoever 's going to read this message try to make things work because there 's no such a thing holding funds for 60 days without having any good reason if that was the case why did you guys end up opening up the account in order to take the customers money give it a bad reason and take their funds and make money off of the customers money for 60 days until the customers is your money you 're taking that money away from my kids and because of this matter somebody 's going to be responsible for the damages if I can not buy any nutrition my XXXX kids or come up with a good reason that you guys holding my money for 60 days cuz my money is making money to your Citibank