davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Army and Air Force Exchange Service (NC)

it in XXXX 2015, 15 years later. XXXX XXXX said they did n't and they did n't have too. They have no documents and said i could n't dispute it. It was never sent to collections nothing. I do n't think i owe a debt. Then they moved {$870.00}. If they made mistakes then and now why am i fighting and losing the battle. I think i shpuld have been notified instead of them just seeing that i had a credit and decide to take money. Where is the due process here? Why did n't it go to collections? Why am I being told i ca n't dispute it? What 's the statute of limitations?
Consumer complaint received 2015-03-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NY)

My mother XXXX XXXX was a XXXX and has been a victim of identity theft, bank fraud. I was also a victim of identity theft. A Wachovia bank employee had access to my mother 's personal information and safe deposit box. My mother had Treasury Bills ( unrecovered ) and my birth certificate ( unrecovered ) in her safe deposit box.She fraudulently added herself to my mother 's accounts. She had siphoned off money from one account into an account going to her home. Over XXXX was stolen. In addition she opened a joint checking and savings account with my information obtained from my mother 's account without my knowledge or consent. Wachovia Bank terminated her from her position after an investigation and returned most of the money. I later found charges and a savings account fro a printout. I wrote the bank 's President in XXXX, North Carolina. My hopes of getting an apology and assistance with a prosecution were dashed in a letter dated XXXX XXXX, XXXX, '' We have investigated your concerns and found no evidence to show that fraud was committed on XXXX XXXX 's accounts ''. In XXXX XXXX, Detective XXXX XXXX XXXX of XXXX Crime Unit started an investigation after I called. Finally in XXXX XXXX the detective called she arrested the employee. Municipal District Attorney XXXX XXXX ensured me a new trial and a conviction but did not follow through. I hired an attorney and contacted Wells Fargo now the bank of record. I recieved a small settlement. The employee was not prosecuted and the bank did nothing to assist or call for an arrest and the investigation. All the losses totaled {$100000.00}.
Consumer complaint received 2015-08-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (PA)

XXXX has repeatedly failed to process information regarding my student loan deferrment from both my XXXX as well as the XXXX XXXX times since XXXX of 2015. Fielding XXXX University registrar 's office and XXXX were able to provide me with their records of contacting XXXX directly indicating my status as a full-time student since this past XXXX
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (IL)

I would like to report unfair and deceptive treatment by Macys when I applied for a Macy 's American Express Card on XXXX/XXXX/XXXX. I specifically applied for the card to receive a 20 % discount. The discount was eligible for use along with the 25 % off promotion in effect on XXXX/XXXX/XXXX. The application was denied at the point of sale. I was surprised because I already have an XXXX XXXX card in good standing and my current credit score is above XXXX. I called Macy's/DSNB while at the store and after more than XXXX XXXX hours on the phone, I learned that they denied the application due to a delinquent debt from XXXX XXXX, nearly 8 years ago. The debt became delinquent, and subsequently charged off while I was in the process of divorcing. I became a single mother of XXXX boys, pregnant with my XXXX child and unable to get a job due to the economy ; thus unable to pay any bills. However, once I was employed I paid and/or settled all of my outstanding debts ( more than {$70000.00} ), including the Macy 's card. I paid the Macy 's debt on XXXX/XXXX/XXXX to the collection agency as a settlement. During my XXXX XXXX hour long call with Macy 's on XXXX/XXXX/XXXX, I was told that if I paid the 'balance due ', they would approve the credit. I was not aware of a balance due because they agreed to a settlement and provided me with a settlement letter. In addition, the credit bureau showed the debt paid in full with a {$0.00} balance after the debt was settled. I have abided by a very stick budget since my divorce and I saw the discount as an opportunity to minimize spending. I am very aware of the implications of a credit inquiry on my credit score, so I carefully read through the terms and conditions that was at the checkout register. It did not indicate anywhere that a delinquency from XXXX would be used against me ; otherwise I would not have applied. The XXXX paid delinquency remained on my credit report until XXXX ; which, although it was settled, affected by ability to obtain credit. Now, I will have a Macy 's credit inquiry that will undoubtedly affect my credit score which I worked so hard to rebuild. I feel that Macy 's should have disclosed their policy on prior delinquencies, in a clear and noticeable location before the application was submitted. Also, I do n't understand how Macy 's was able to decline a card co-branded by XXXX XXXX. At this time, I am concerned that XXXX XXXX will close my existing card and this may affect any other credit that I have. I am also concerned that the lack of disclosure will affect my ability to obtain a new mortgage this fall. 
I would like to request that your agency investigate this matter and kindly remove the inquiry from all credit reporting agencies.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: NCC Business Services, Inc. (GA)

I am filing a complaint against NCC Business Services located in XXXX, FL ( Phone Number XXXX ). When seeking a pre-approval for a mortgage, I discovered that NCC Business Services had reported XXXX eviction entries on my account. XXXX was a collection account entry and the other was a court judgment entry for the same matter. After contacting the court, I discovered that the court case was in the name of XXXX individuals whose names are not mine. After contacting NCC, I was also informed that my social security number was not in their system at all, and that there was not a social security number associated with the aforementioned account ( based upon their records ). 
I promptly informed NCC that these inaccurate entries were preventing me from qualifying for a mortgage, as well as preventing me from renting another house, and that I needed to move in two weeks. I provided them with my documentation and was told that they could not tell me how long it would take to resolve this matter. When I asked whether they could provide me with documentation showing that the entry was not accurate and that they were in the process of removing it ; I was told no. I explained that my family would be homeless, and they indicated that there was nothing they could do about it. 
When I inquired about how my social security number was associated with this account, or why they inaccurately reported my information, they would not tell me. Instead they told me that asking questions about the matter would not resolve the issue, and that I needed to follow all their requests by providing additional personal documentation. When I informed them of my concern of providing additional information, when my personal information was already compromised, they said it was nothing they could do about that. Every time I asked any question regarding this matter, they informed me that I was not going to resolve this issue by asking questions, only by submitting additional documentation. Finally, when I asked to speak to someone above the manager, I was told that he was not available. I asked was he ever available and was told that he would tell me the same thing. I asked again for the contact information of the person above the manager and was provided with the name of XXXX XXXX, VP of Operations, and then given a non-working number. 
NCC Business Services made a terrible error in reporting inaccurate information to my credit report, and did not follow appropriate or legal measures in ensuring that they were reporting accurate information to my credit report. In addition to making this error, they have failed to even take responsibility for this error, or provide me with an immediate resolution.
Consumer complaint received 2015-03-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (IL)

US Bank had XXXX accounts under my name and I thought you could write a check for XXXX account to deposit it into the other account, because XXXX account I thought had overdraft protection. XXXX disagreed with me and said that I was XXXX XXXX '' checks. I 'm XXXX and I feel she reported me to Chex Systems for a poor reason, granted that I was confused and had no idea this was n't allowed. She took advantage of my XXXX.
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (HI)

Recently, I disputed item XXXX XXXX with Experian based on a plethora of inaccuracies. Incredibly, Experian has verified that all information being reported is correct. Pursuant to FCRA 611 ( 7 ) I made a request to understand just how Experian was able to verify this incorrect information. Item was sent via XXXX Certified mail label XXXX and was delivered to Experian on XXXX XXXX, 2015. See XXXX. Experian has failed to respond to this request within the required 15 days.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I requested Experian to investigate and remove items in my credit report that does not belong to me. They have refused to investigate causing me undue hardship and stress. In the process I have been denied credit because of these inaccurate information in my credit profile. These items are as follows:1. XXXX Bank not mine. 2. XXXX XXXX never late, 3.XXXX not my account, 4.XXXX/XXXX not mine 5.XXXX never late. 6. The XXXX XXXX XXXX not my account.
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NH)

They are not doing proper investigation of my accounts. Under the FCRA they need to contact the company not just a XXXX digit code. Also under FCRA section XXXX they need to have proof of the account in their records in order to report it.
Consumer complaint received 2017-09-08
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. (CA)

Equifax Security Breach. I do n't know how much or what was taken, but I now stand the risk for, well, ever, that someone will maliciously use my personal sensitive information. I have yet to buy my first house, but I now worry that my credit will be misused and negatively impact my ability to borrow or buy.
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

On XXXX, 2016, XXXX Mortgage Company sold my home mortgage to a company named Seterus , Inc . I was not send a " Goodbye Letter '' from XXXX notifying me of the sale, and to date, despite numerous requests to XXXX by phone, have never received XXXX. So then did not handle the sale in the manner they are required to do ; they never notified me. 

This complaint concerns a " mortgage company '' called Seterus , Inc . 

I learned my mortgage had been sold when I called XXXX to make my monthly payment and they told me they could not take payment ; the loan had been sold. They did not know who they had sold it to and told me all information would appear in the " Goodbye Letter '' that has never come, 4 full months later. 

I finally was able to learn through other sources that the loan had been sold to a company called Seterus, Inc and called them, spoke to them, asked for my loan number and made my payment. I was told to expect a " Welcome package '' which did not come until I 'd asked many, many times. It contained almost no information. 

Here 's the problem : Since my first payment to Seterus in XXXX, I have always paid on time. That would, to date, be XXXX, XXXX, XXXX, XXXX, XXXX ... 
All payments have been made on time. 
However, Seterus did not show up on my XXXX credit reporting bureaus ( XXXX ) until I wrote and complained. 

They have added the account now to XXXX, but it is incorrect. It only shows a payment in XXXX only. As far as I can tell, the other credit report bureaus are not reporting at all. 

I have written to Seterus several times asking that they follow the law and report accurately to all XXXX of the credit bureaus on a MONTHLY BASIS. I even sent XXXX of the letters certified mail, so I can prove it was sent and received. 

None of the letters have resulted in compliance and Seterus 's lack of reporting is HURTING my credit score a GREAT DEAL. They must report accurately and monthly. 

Please assist me in getting Seterus to comply and report my payments in a timely and accurate fashion, as is required by law. These payments must date back to when they bought the loan, which is XXXX of 2015. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

This complaint is against Nationstar Mortgage and its brand names RightPath Servicing and now XXXX XXXX. 

Understand, Nationstar, Mr. Cooper, Community Loan Servicing, RightPath Servicing and XXXX XXXX are all the same company under different brands. 
In a letter dated XX/XX/year>2024 representative, XXXX XXXX, attempts to separate XXXX XXXX XXXX as a company ultimately managed by Nationstar/Mr . Cooper. This happens on page 1 paragraph 2. 
XXXX XXXX does this to deceive the reader in hopes of justifying the continued failure to produce the document I have been requesting for over two years now. I have and continue to request a copy of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX seems to reference in her letter. 
On page two, paragraph 3 of this letter, XXXX XXXX falsely claims her justification for XXXX can be found within the XXXX XXXX XXXX on page 65, section 2. The problem is there is no such page 65 or section 2 as she claims. 
A copy of the alleged document she claims to quote has never been provided by the servicer as requested, repeatedly requested for two years. 

On page 2, paragraph 6 XXXX XXXX states, I would like to clarify that we can only provide documents to the extent that they were provided to us by the prior servicer. We strive to furnish comprehensive and accurate records, but our ability to do so is contingent upon the information we receive during the transition of services.. In other words, Mr. Cooper has trouble getting documents from Mr. Cooper. This is why XXXX XXXX used deception on page 1 paragraph 2. 

This complaint is for the continued failure by the servicer to provide legally requested documents to the borrower. 

This complaint is not a duplicate complaint as it is in response to the continued refusal to produce, by the servicer.
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

Equifax is knowingly reporting an incorrect balance and payment status for an account that was settled with XXXX XXXX. I initially disputed the above referenced account with Equifax in XX/XX/XXXX under the Fair Credit Reporting Act ( FCRA ) but the account apparently was verified. I subsequently disputed the account directly with XXXX under Section 623 ( a ) ( 8 ) ( D ) of the FCRA multiple times, eventually even filing a complaint with the CFPB under this Federal law. XXXX response was, and I quote : '' Our records indicate that we received a payment of {$21000.00}, which settled the XXXX account ending in XXXX. XXXX notified the consumer reporting agencies the XXXX account ending in XXXX was settled. We have investigated your complaint and found that XXXX furnished information relating to your account in accordance with industry guidelines. In response to your complaint, XXXX verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. " In support of XXXX claim of correct reporting, XXXX is correctly reporting the balance as zero, with a payment status of " Settled, '' which indicates that XXXX is correctly reporting the information but that Equifax is ignoring the corrected information from XXXX and continuing to knowingly report false information to my credit report to my detriment!! This represents a blatant violation of the FCRA!!! 
I have attached the settlement letter from XXXX and the Certificate of Satisfied Judgment as proof of the settlement as well as a partial credit report, dated XX/XX/XXXX showing the false reporting.
Consumer complaint received 2015-08-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX I am a long time customer and I am writing you because I just received XXXX packages via US Mail one with a trial period for HAMP because I am behind one month on my home mortgage. This is the one home I own and live in with my XXXX sons. I 've heard horror stories about getting into HAMP then at the end of the trial period get denied and then I must pay the difference right away to then avoid foreclosure. I work for the XXXX and really need your help with this matter, yes we are the little guys but we are your customers that do n't want to be left out in the streets with their children. My hardship began with my divorce as she quit claim the home to me, and I 've raised XXXX my sons on my own, then just recently in XXXX my grandmother passed away and we all had to help with the funeral payments. I was working 10 months a year because I work for the XXXX, but now they finally gave me 12 months employment, which I 'm thankful and grateful. I will consult with my attorney whether he advices me to do the HAMP and I will then let Wells Fargo know. I 'd like to catch up so that I could be current, I just need to know the exact amount which is the month of XXXX and now on the XXXX the month of XXXX. I will pay XXXX at the XX/XX/XXXX. Most of my family have accounts with Wells Fargo and I am begging for your help and attention to this matter, I do n't want to be left homeless with my XXXX sons. My home preservation agent is
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I filed a dispute with XXXX ( mailed ), XXXX ( mailed ), & Equifax ( online dispute & supporting documents were uploaded ) regarding XXXX , XXXX inaccurately reporting an OPEN collections account with a {$740.00} past due balance. The account should reflect " CLOSED, Paid collection, Zero dollar balance ''. Documentation included with my dispute : A copy of the carbon papers from my check book for XXXX checks totaling {$740.00} for the same account # they are reporting. I also included print out pages, for both checks, from my Bank Account Details page which verified the Original creditor XXXX ( XXXX XXXX Bank ) accepted Payment In Full when they cashed both checks totaling {$740.00}, for the same account number XXXX , XXXX is reporting as past due {$740.00}. 

As a result of my disputes, a comment was added to my credit file that I dispute the account but the account status was not corrected to reflect " CLOSED, Paid collection, Zero dollar balance ''. XXXX , XXXX is still falsely reporting an Open Collections account with a {$740.00} past due balance. XXXX, XXXX, & Equifax received the same aforementioned supporting documentation that I am uploading with this complaint along with a copy of my disputes with each Credit Reporting Agency. 

As a resolution, I am requesting either XXXX XXXX XXXX correctly report the account as " CLOSED, Paid collection, Zero dollar balance '' or DELETE the account. 

Note : XXXX XXXX XXXX Bank ( was Formerly known as " XXXX XXXX Bank - XXXX '' ) and currently reports as " XXXX ''.
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

To whom it may concern : I am writing to dispute the information reported on my credit report, regarding XXXX. I have already contacted my creditors and no changes have been made. I have been making payments to this creditor, in the amount of XXXX dollars monthly, for a year. They do not report my payments, or the account correctly. They report that I pay XXXX dollars monthly, when I was previously paying 300 dollars. The XXXX creditors do not report this account correctly. 

All XXXX creditors provide XXXX different monthly payments made towards my debts and different amounts owed. I have contacted them many times to remove erroneous account but they have not corrected this error. 

My name has also been an issue. I have been linked with my mothers name, so many times I changed it. The only names I have ever used where XXXX XXXX, XXXX XXXX, and my current legal name, XXXX XXXX. I have never used XXXX XXXX, that is my mother. I am incorrectly reported to have used the name XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX and this needs to be removed from my record. I have contacted the XXXX creditors and provided them with legal proof and yet I am still receiving mail with incorrect names. I also can not change my address through the post office as it changes my mothers mail, along with mine. I have tried to fix these issues for a few years now to no avail.
Consumer complaint received 2015-04-09
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

CHASE XXXX XXXX COMPANY NEVER SENT ME A NEW CARD AND I SEE A MULTIPLE FRAUDULENT CHARGES IN THE ACCOUNT AND THE ACCOUNT HAS BEEN CLOSED ALMOST A YEAR AGO AND THEY SHOWED {$550.00} AS A VALID BALANCE IN THIS ACCOUNT AND THEY USE MY PERSONAL INFORMATION TO REPORT THE NEGATIVE LATE IN THE ACCOUNT TO CREDIT BUREAU AGENCIES, I CONTACTED THEM MULTIPLE TIMES AND THEY DIDI NOT EVEN RESPOND TO MY INQUIRES, NEED YOUR HELP TO REMOVE THIS DEBT OF MY ACCOUNT COMPLETELY BECAUSE I`M NOT RESPONSIBLE FOR ANY OF IT.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion continues to include the XXXX of my XXXX student loans in my credit report. They have deleted the derogatory remarks but any information re XXXX student loans should no longer be in my credit report. I defaulted on these XXXX loan back in XXXX 2007 thus it should not show up in my credit report. 

XXXX no longer shows any information on my XXXX loans. Neither does XXXX. Only TransUnion does.