davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute the inaccurate and incomplete credit information that you have reported on my credit profile. It is distressing to find the following information included in my credit report, especially when it fails to meet the standards of accuracy mandated by credit reporting laws. 

The following items are reported inaccurately : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Note : This account was paid and never late. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Note : Please remove XXXX. 

Inquiry from XXXX XXXX XXXX, XXXX XXXX, SD XXXX Date : XX/XX/XXXX Note : Please remove this inquiry. 

I respectfully request proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Without such documentation, I insist that the item be promptly deleted from my credit report. This information is not only inaccurate and incomplete, but also seriously misrepresents my credit history. 

Furthermore, I request that you supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 

Additionally, I require the name, address, and telephone number of each credit grantor or other subscriber associated with the disputed items. 

Under federal law, I understand that I have thirty ( 30 ) days to complete your reinvestigation. I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days of the completion of your reinvestigation.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

Hi, I submitted an online application to open Citibank account ( Citi priority package which includes checking and savings account ) at the following url : https : //banking.citibank.com/XXXX XXXX Before applying, I called and asked Citi at their XXXX XXXX number that if I was eligible as a XXXX  resident to apply . I was told I was eligible. I provided complete information like SSN,  DOB , Dr Lic #, Employment details, Account and routing number to withdraw funds from to fund these new accounts, when I made the online application. 

On XX/XX/XXXX I received a letter from Citi stating the account could not be opened due to inability to verify information. When I called and asked, they refused to provide any information on what could not be verified or what was missing from the application. They were rude, unhelpful and the supervisor even told me to go to a branch in XXXX XXXX ( I live in XXXX ).  The supervisor name is XXXX, Team # XXXX at XXXX  call center. 

I am truly concerned that I have provided all this personal information and now it may just be used for nefarious purposes. Also, I am mystified why Citi is so unhelpful and rude and unwilling to tell me what information they are missing.
Consumer complaint received 2023-12-25
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

I received a discharge on X/XX/2009 for total XXXX and never heard anything from XXXX only from XXXX ..XXXX has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my credit,
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (CO)

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

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Consumer complaint received 2023-11-17
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: CLGF Holdco 1, LLC (TX)

I have late payments showing on my credit report with Milestone ( now known as XXXX XXXX ) from XXXX, XXXX, and XX/XX/2022. Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Escrow calculations are deceptive and greedy. Although my taxes went down and my insurance stayed the same, Wells Fargo repeatedly claimed that I had an escrow shortage. Further, even after I paid the deficit, my monthly escrow amount was increased significantly. When I called to inquire, I was told that my Escrow increased because taxes increased, which was a complete and blatant lie as proven by tax records. When I inquired further about the calculations that were used, the agent was rude, condescending, and insulted my intelligence. I suspect that Wells Fargo is once again fleecing customers to get more cash on hand to help with punitive settlements resulting from their other numerous shady practices. My loan was just suddenly sold and the new lender showed that I my account has a substantial Escrow overage. Consumers are suffering once again at the hands of Wells Fargo bad faith actors.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

Citi has overcharged my account by {$490.00}, and refuses to correct the issue. This stems from a merchant dispute, which I have resolved with the merchant and withdrew my dispute. Citi reversed the conditional credit on my account twice, resulting in an overcharge to me. I have contacted Citi a total of 9 times now, without resolution or even an acknowledgment. My account is still showing that I owe an additional {$490.00} that I do not owe. The history is as follows : Initial Charge by Wayfair on XX/XX/XXXX in the amount of {$490.00}. On the XXXX statement, a conditional credit was issued in the amount of {$490.00} on XX/XX/XXXX. On the XXXX  statement, a conditional credit was again issued for {$490.00} on XX/XX/XXXX. This conditional credit was reversed on XXXX  in the amount of {$490.00}. On XXXX the conditional credit reversed in the amount of {$490.00}. And again on XX/XX/XXXX the conditional credit reversed in the amount of {$490.00}. I have now been charged four ( 4 ) times in the amount of {$490.00}, with two credits issued. Citi must issue a credit to me in the amount of {$490.00}.
Consumer complaint received 2023-09-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (PA)

My wife and I decided to pay off my mother in laws parent plus loan after she had passed away. We did not realize that once she passed away, the loan would be discharged. Therefore we requested a refund. We were told to provide a copy of the death certificate, and additional information to process the refund, which we did. Its been over a month and the companies involved could not provide me information as to whether the refund request was approved or not approved. 

I am still waiting for my full refund, and I am hoping to expedite this process.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I reached out on numerous occasions to have items deleted from my account that are not mines and things I have no knowledge of. This Collection agency has now created distress in my life and I have been declined a rental home and a credit line increase because of this debt that I have never entered into a contract with! I have reached out to all three credit bureaus who have added this third party debt collection to my credit report hindering my ability to provide the best situation and outcomes for myself and my children. I have sent numerous of mailed letters, disputes online, Ive had to freeze my accounts due to several breaches that have exposed my personal information. The term " unauthorized debt purchase '' to describe the action of XXXX XXXX XXXX XXXX buying a debt that you do not owe, which is illegal. These 3 credit bureaus have again failed to do their job, I can not rent a house because of this debt collection agency that I have no dealings with was allowed to ruin my life and the credit bureaus have allowed this to happen. I need this deleted off my credit reports immediately so that I can rent a home for my kids and myself. I did not do any business dealings with this collection agency. I was told I can send this agency a letter requesting validation, original contract with my signature on it with this collection agency, a letter for them to cease and desist, copy of payment history and proof of collection authorization, I mailed these XX/XX/XXXX, and this collection agency failed to provide all the documents that I had requested, and since they are still reporting this debt after receiving my cease and desist and not providing me with the documents that I have requested they are in violation and that alone is grounds for deletion from all 3 reporting agencies. I also mailed all three credit bureaus as well XXXX XXXX, Ive been disputed this collection since XX/XX/XXXX, and I sent numerous requests for removal and documents monthly now. The debt collection is seeking payment of {$2600.00} I need this deleted immediately because they are in violation. I have also disputed a charge-off that is on my account and have requested a 1099C back in XX/XX/XXXX and XXXX of XXXX and I have yet to receive that and that is also a violation and I want this items Ive disputed and asked to be removed since noticing them reporting on my credit report last year and I started to take actions, via online portals, phone calls, mailing letters. Im fed up now especially since its hindering my ability to rental a home and credit card increases.
Consumer complaint received 2024-04-09
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. (NY)

This account was charged off on XX/XX/XXXX on XXXX it continued to update as charged off in both XXXX and XXXX XXXX on XXXX it reports 7 potentially Negative Months , On Equifax it reports 8 Potentially Negative months and shows no Payment history on XXXX.On XXXX it reports account type as " Charge Card '' on XXXX as Revolving  account and on XXXX as Revolving account. On XX/XX/XXXX XXXX reports on time payment in XX/XX/XXXX on Equifax it reports 30 days last.On equifax it shows XXXX  days late repeatedly in XXXX, XXXX, XXXX of XXXXthis inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX Number XXXX Enclosed is a copy of my credit report
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-02-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MD)

On XX/XX/XXXX, I received a letter informing me that I had no homeowners insurance on record and that if I failed to provide proof by XX/XX/XXXX, Freedom Mortgage would buy insurance, and then deduct the cost from my escrow account, but I already had my Home insurance and it was paid in full until XX/XX/XXXX. 
This policy is with XXXX XXXX and has been paid in full since XX/XX/XXXX for the period from XX/XX/XXXX to XX/XX/XXXX. 
XXXX XXXX assured me that Freedom Mortgage was notified immediately after the policy went into effect. I called Freedom and was told they had no record but they would correct the error. I assumed that it was taken care of until my mortgage increased by almost {$100.00} a month, Of course, I called again and was told that the issue was corrected. 
On XX/XX/XXXX I reviewed my escrow account and discovered that Freedom Mortgage purchased a policy in my name for 3 times the amount I had paid for the XXXX insurance that was still in effect. 
I accessed XXXX report and was flabbergasted to discover dozens of complaints were lodged against FREEDOM MORTGAGE for similar bogus charges to their escrow accounts. 
I'm an XXXX XXXX veteran and need help. Please help me.
Consumer complaint received 2023-07-28
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 called the company and reminded them that I paid off my RISE loan on XX/XX/2023, for {$1400.00} but it was still showing as having this amount due in my credit report. They said it would be updated but it was not. I disputed this with the credit bureau-XXXX and RISE said that the my account had not been paid which is totally untrue. The money was deducted from my account on XX/XX/XXXX. RISE is still showing my account as owing {$1400.00} when it has been paid in full. TransUnion has not updated the account.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 information is inaccurate.
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (GA)

I requested an appraisal on my property in order to remove PMI, since property values in my area have greatly increased over the past XXXX years. A broker came out to my house and provided a brokers price opinion. His report had multiple incorrect items and the price he concluded could not be backed up by numerical values of other homes in the same neighborhood. His price was also XXXX less than my homes value for property taxes. The broker was not familiar with the area and shouldnt have been called out by the mortgage company. The mortgage company denied my request to remove PMI.

I appealed the decision and provided multiple examples of why the brokers price opinion was inaccurate. I also calculated the price per square feet of local comps in order to provide the mortgage company an estimate on my homes value. I received a phone call on XX/XX/year> at XXXX XXXX. The agent stated my appeal was received but the value of my home didnt change. I asked him how they supposedly calculated my homes value and he said he didnt know. He then said he would send me the report in order to answer my questions ; I never received the report.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My XXXX  XXXX credit card is violating my consumer rights by reporting a LATE TRANSACTION on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS from my all of consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX XXXX credit card company and reporting agencies According to : 15 USC 1666b- Timing of payments ( a ) A CREDITOR may NOT treat a payment in a credit card account under an open end consumer credit plan as LATE FOR ANY PURPOSE 15 USC 1681a- Definitions ; Rules of Construction ( XXXX ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report
Consumer complaint received 2024-02-07
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: Onity Group Inc. (AL)

THIS IS A COMPLAINT AGAINST PHH MORTGAGE. THEY CONTINUE TO MANIPULATE AND PLAY WITH DIRTY HANDS. WE ASKED THEM TO VALIDATE A LOAN BALANCE THAT SHOW DIFFERENT TOTALS IN XXXX DIFFERENT PLACES. INSTEAD, THEY SENT AN UNSOLICITED BOGUS AND FALSE VALIDATION WITH A MISLEADING LABEL AS A LOAN PAYOFF. 

THIS LOAN HAS BEEN PAID OFF - PHH MORTGAGE SHOULD CORRECT THEIR RECORDS. BALANCE SHOULD BE XXXX Copy : Consumer Ombudsman, PHH Mortgage/Ocwen XXXX XXXX XXXX XXXX, PHH Morrtgage Subject : You sent a False, Misleading and Grossly Incorrect Loan Balance Hiding Behind an " Unsolicited and Deceitful Loan Payoff '' A. We did not ask for a Loan Payoff. The loan has been paid off - we ask that you immediately correct your records. Balance should be XXXX. 

You are in violation of the FDCPA for manipulative practices and providing fraudulent and false loan balances ( under the guise of a loan payoff ), and unfairly misrepresenting that it would fall as a loan balance validation. There is no evidentiary, historical detail that can be verified and audited. Again, our loan and the thousands that you are servicing should be audited. There are totally different loan balances in 3 different places. We demand a full audit by an appropriate government regulatory agency. 

MOREOVER, THE LOAN HAS BEEN PAID OFF AND IT SHOULD REFLECT AS XXXX BALANCE. 

B. It seems you are again manipulating the situation with your unfair practices. 

1. Again, we did not ask for a Loan Payoff. The loan has been paid off.

We Might Not Be the Only Member of this Class 2. We wanted to check if your accounting has any semblance of correctness and accuracy - and sure enough, there appears to be no accuracy - NONE. It is false, grossly incorrect. 

If this is happening to us, it is entirely probable that it is happening to thousands of mortgage holders whose loan you are servicing. 

3. The balance you are showing is totally different from what your counsel showed, and different from the last statement. You appear to be making things up, " padding the numbers ''. 

Your mortgage accounting should be audited by the appropriate government regulatory agency. And we have the proof that you appear to be manipulating loan balances. 

If this is happening to us, it is entirely probable that it is happening to thousands of mortgage holders whose loan you are servicing. 

You are in violation of the FDCPA for manipulating loan balances and making false, inaccurate and misleading loan validation. If this fraudulent and false balance remains uncorrected, we will not be constrained to report this matter to the Department of Justice, Fraud Division and request a full investigation.

We believe the CFPB should fine and penalize PHH Mortgage for an amount not less than {$5.00} XXXX as an effective deterrent to others. 


XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

I am currently on hold to speak to a live agent with Nelnet. I called the customer service phone number XXXX at approximately XXXXXXXX XXXX  on Friday XXXX XXXX XXXX It is now over 2 hours on hold to speak to an agent and I still can not reach someone. 

I have screenshots taken as I am creating this complaint. I can not continue to wait for an agent to respond. I am unable to discuss my options with my servicer. I have added the screenshot, and I have call logs available upon request from my cellular phone company.