davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am currently on a HAMP loan that was originated in 2013. Under HAMP I was suppose to receive at {$1000.00} credit each year after 12 consecutive payments are made on time. It is clearly written in my modification documents. Each year after 12 months of consecutive payments, I have called Mr Cooper to request the credit. I have always had automatically payments set up with them so all payments have been on time. They always tell me that I am only eligible after the full 5 years of payments is completed. I am now beyond the 5 years since origination. I have been trying to contact Mr Cooper regarding my incentive credit under the program. Mr Cooper representatives keep saying it will be processed shortly and that I will receive written notice. I have not received anything in over 5 years and have been calling every month or two for status for the last 4 yrs. They refuse to put anything in writing even after numerous request for written confirmation they are processing the incentive credit. Mr Cooper 's website does not have option to send email so that I can receive written response. I have tried to calling Making Homes Affordable counselor for assistance, but they have been unwilling to help, but did tell me that the lender is suppose to give me the credit each year after consecutive 12 monthly payments are made on time, not after 60 months. They also indicated that I should also be eligible for up to {$5000.00} credit if I make 12 consecutive payments on time in the 6th year. I feel like Mr Cooper is is violating the terms of the modification so that they can keep money that funded by the government. I need help please!
Consumer complaint received 2023-01-10
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: WELLS FARGO & COMPANY (ND)

This is a second complaint referencing the fraudulent charge mentioned in the complaint XXXX to the Wells Fargo credit card ending in XXXX, a card I have not used for at least XXXX years and expired in XXXX of XXXX. 

As mentioned in the complaint filed XX/XX/XXXX : when reporting the fraud on this account, my conversation with the Wells Fargo fraud section representative on XX/XX/XXXX included my direct unambiguous requests to NOT ever issue any new cards to this account. 

Today XX/XX/XXXX, less than XXXX weeks from the above mentioned direct request, I am reporting that Wells Fargo has issued a card with a different account number that was received at my address. This is Wells Fargo intentionally circumventing my direct request to cease having active cards issued for this account. XXXX. 

The document attached to the new card suggests this new card is attached to the same credit account under my name but has changed some of the numbers on the card face. Issuance of this card suggests Wells Fargo is attempting to keep the account active against my wishes and collect on fraud, both represent fraud. 

I will not be activating this card. I consider this activity clear evidence Wells Fargo is in the business of making money through deception and/or fraud.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

XXXX erroneously reported my account 90 days delinquent, and then sold my account to Nelnet, who also duplicated the error by placing the account on my credt reports and reporting 90 day delinquency and they haven't even had the account 90 days. Both acts are erroneous and should be removed. Nelnet should report paying as agreed with no delinquency at all.
Consumer complaint received 2023-05-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Earnest Inc. (CA)

Back in XX/XX/2018 Earnest approved me for a {$50000.00} loan which was deposited as agreed upon and paid back in full within 2 months. During this approval and payback not once did earnest send this information to all credit agencies to report this account and perfect payment history. 

They have still refused to report this good standing paid back loan to my history as I am entitled to as a consumer and protected via FCRA and US code subchapters. 
They took my money with interest back and decided to damage my credit history by this action for any future personal loans. When asked via multiple attempts to fix this issue they refused. 

I have attached all proof.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I I have recently submit letters to you about my credit report Transunion, XXXX and XXXX for all 3 credit reports waiting for a response yet I got nothing, according to the standards you was to connect me with 30 days due to time of this whole situation how depression. 

There are errors that are on my credit report which should not be or removed from my credit report. 

wrong address wrong employment wrong name never live there Because of this treatment, I had to change my purchase my real estate investment properties because my credit report is not up to CFPB STANDARD!!! 
this total Unacceptable and violates over 20 rights that I have as a consumer I ask you to take complaint extra seriously, I would like a response form you no later than 15 days. And also request to be compensated interest for every day the credit bureus do not reply to my complaints.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (CA)

in re : XXXX XXXX checking account... ending in -- XXXX navy ffederal credit union is constantly blocking my account while using the debit card while outside of the US. i realized they doing this from time to time so i can not see my transactions and the actual amount charged by a merchant or etc. the navy federal credit union is constantly attempting to confuse the military community by overcharging for international transaction fees. it stated on the contract of the debit card use that there would only be a 1 % fee. but i am seeing well over 3.5 % -- 4 % to nearly over 5 % in foregin transaction fees. the navy federal is not only adding this 3 to 5 percent fee on the charge itself and adding another 1 % on top of that. 
they are making members calling back to US with expensive telephone calls. all the while blocking their transactioin history. its very odd -- the card is NOT blocked but you can not the who or what the merchants are charging you -- the customer.! they have refused to send notification via email for transaction charge verification. since email is my preferred point of communications if my phone service is NOT available while living outside of the US. after my first encounter with in XXXX... the bank did set the rate to normal rate... but after i could no longer see my transaction history because navy federal blocked my account for no reasons the foreign transaction fees was again changed back to the deceptive fraudulant significantly higher foreign transaction fees by manipulating the mid market rate. i have attached especially a transaction example from XX/XX/XXXX in which a XXXXXXXX XXXX charge was significantly off from other times after they blocked my account! they have literally blocked my account transaction history!!! i can not verify my transaction history which is extemely concerning and deceptive the so called customer service is extremely poor... .and very lowely motivated customer service at times -- -this is also very concerning! i have not been able to access my account charge verification since over 1 week now as of today- XXXX XXXX XXXX no email communication has been even attempted by navy federal union. !!!!
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

When I or lenders attempt to pull my report from equifax the report will not pull. I have made several phone calls to equifax regarding my issue and have been told my account has no freeze on it however there was a spelling issue of my first name. 

I sent in documentation as requested XX/XX/XXXX and allowed a week to process as requested. I called XX/XX/XXXX to see if the documents were received and the representative advised no documents on file and also said there was no need to mail documents in order to fix the spelling of my name. 

Eventually the representative I spoke with last on XX/XX/XXXX was able to correct the problem and I received a confirmation that my first name was corrected XX/XX/XXXX. I attempted to pull my credit report from annual credit report.com and I was still unable to pull. 

This has been an ongoing issue since XX/XX/XXXX and I eventually gave up on getting the issue correct however recently I wanted to try again thinking time may have corrected the issue and have been unsuccessful.
Consumer complaint received 2018-03-06
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: JPMORGAN CHASE & CO. (NY)

Chase Card has " charged-off '' my balance for purchases that were committed under fraud by the managing member of the business we sold to him on XX/XX/XXXX. On XX/XX/XXXX our card had a zero balance. After the sale, this individual made purchases on this account from XX/XX/XXXX through XX/XX/XXXX and accumulated late fees and interest charges on this until Chase just " charged-off '' the {$1300.00} balance and it is reported on my personal guarantee. All of the credit card statements were going to the buyer of my business and Chase Card never notified me prior to the " charge-off ''. I noticed the problem on the XXXX website on XX/XX/XXXX. I spent well over an hour on XX/XX/XXXX & XX/XX/XXXX phone calls with Chase Card but they continued to tell me that they can not provide me with any details due to their information policies. Since this was on my personal guarantee, I should be supplied with all attempts to collect on this account from the buyer of he business and any other pertinent details. The Chase representatives forwarded me to their Corporate Card Charge-off Resolution & Credit Bureau Specialist. That just allowed me to waste more time on hold and talking to people who could not give me a single detail about my situation.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Elevate Recoveries, LLC (IA)

I filed a report of identity theft. There are two companies who have opened accounts with out agreements, SSA XXXX or contracts/agreements. Obtaining my social security card to open any kind of account with out my knowledge, or consent is theft.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (SD)

Currently I am in the process of rebuilding my credit with some new credit entries on my credit reports that show being paid on time and yes some usage a little high, but I am making higher monthly payments to bring the balance down. 
I applied for a XXXX card that is issued by XXXX in XXXX XXXX SD. 
I received a response that I was denied for having old credit entries that are XXXX XXXX XXXX.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

This accident was filed XX/XX/XXXX XXXX XXXX  by XXXX XXXX XXXX department. I submitted this fraudulent.account to all 3 credit bureaus with the police report, FTC report and XXXX  complaint. The XXXX account was closed with the company as fraud. Now XXXX XXXX XXXX, reopened or purchase debt that was closed already. The account wasnt opened in XX/XX/XXXX and the original price was {$1500.00}. I will attach the police report from XXXX XXXX XXXX department with correct times and date and FTC report. Along with XXXX letter closing the account. I currently have XXXX and that old account & balance isnt mine. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credence Resource Management, LLC (CA)

I received no notice in the mail or to my email from XXXX XXXX XXXX that a balance was owed. The first communication I received was when I received a notice from a debt collector.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-10-28
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. (NV)

NEVER LIVED AT ANY ADDRESS OR HAD THESE NUMBERS THEY WONT REMOVE THEM ( XXXX ) XXXX Cellular ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXXXXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family Date of birth
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX City, State Zip XX/XX/2023 Transunion XXXX XXXX XXXX XXXX, PA XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information TransUnion Consumer Solutions , it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am hereby requesting all above disclosures required by Federal Law. 


Yours Truly XXXX XXXX, XXXX ( All Rights Reserved )
Consumer complaint received 2024-04-04
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. (TN)

During an insurance issue, I was informed by customer service to pay my regular payment. Which was around {$1200.00}. 
Instead of the additional insurance money they were requesting for escrow. 

I made my regular payment calling into customer service twice. 

It was then sent to collections that I was not making my payment. I called customer service back and escalated it and was then told whatever they had told me was incorrect and I needed to pay the additional money or I was considered delinquent. I paid in full after receiving this information and asked to correct the error and fix my now damaged credit score. I had to speak with someone else. 
They said it should correct in 30 days since the payment was made in full. 

It did not correct. 

The XXXX XXXX XXXX later determined they made no error with this information and would not retract the delinquent notice and letter to collection. Therefore leaving my credit severely tarnished. 

Yet if customer service communicated this from the beginning I would have paid it all just as I have been making my payments on time since purchasing.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX and XXXX XXXX. Please correct and update.
Consumer complaint received 2023-01-10
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX