davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

navient is reporting incorrect information about my student loans to the credit bureau since XX/XX/2020. My credit score has dropped almost 200 points from this information. when i contacted Navient they told me theyre not reporting anything and havent since XXXX when my student loans were more than 30 days late. They then told me to contact XXXX XXXX and XXXX  directly to see what is going on and they continue to tell me they receive all their information from navient. 
the issue is every other 2 weeks my credit score drops or comes up because theyre reporting an increase or decrease in the amount of the loan. my student loans are currently covered under the covid act and the other ones are in forbearance so they shouldnt be reporting any type of change because they are current and no payment is required at this time or interest. 
they also arent showing which loans are decreasing and increasing and the original loan amount is still the same on all the loans listed on my report.. one student loan they report as decreasing in the amount of {$6300.00} then the following weeks increasing the same exact amount. ive spoken to navient 7 different times about this issue and they continue to tell me nothing is being reported. 
this information on my credit has made me unable to move or get the car ive been trying to get and no one seems to help fix it. my credit score continues to drop after ive tried so hard to rebuild it
Consumer complaint received 2023-06-13
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. (CA)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I am denied a Home Equity Loan by XXXX XXXX XXXX citing the following reason : - I already have a home equity loan with Mr Cooper ( Nationstar mortgage ) - Denied on XX/XX/24 - applied since XX/XX/XXXX They cite that they couldn't establish XXXX XXXX on the property for home equity loan because I already have a home equity loan with Mr cooper. 

This is not true because I had a cash out refinance from XXXX XXXX last year ( more than a year ) and it was sold to Mr Cooper. Loan closing document clearly states it was a Convential XXXX years fixed refinance. 

I don't have a XXXX mortgage and restricting to leverage my equity value to get a loan for my financial benefit is unfair to me. XXXX XXXX XXXX has alreasy pulled my credit report and they don't show that I have XXXX mortgage. 

Denying me this credit has enormous consequences for me financially plus it's not fair and there seem to be erroneous process on either Mr Cooper or XXXX or other company 's site. I was told this is the XXXX occurrence they have known of this kind so far.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This is my refiling complaint to EXPERIAN for still allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2018-08-08
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. (IL)

Contacted Experian on XX/XX/2018 about the dispute I submitted today regarding an alert I recieved today. XXXX XXXX XXXX showed a collection item with XXXX XXXX XXXX XXXX, but was unable to validate it with me. 

Experian fraud resolution stated that they don't have to get documents, they verity only the name, address, creditor, and balance. I said even if the account is NOT my debt. I requested that they verify the debt by getting contracts, payment history, or something to validate that debt is legitimately mine, or if they can't validate it to remove it immediately. 

They said they are in the process of investigating it. 

Sent XXXX  a dispute requesting the same account validation stating that it was not mine.
Consumer complaint received 2018-10-17
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (GA)

I have a {$200.00} that I personally purchased in XX/XX/2003. I attempted to redeem my XXXX XXXX money order and at my financial institution and it was returned due to a retired routing number that occurred because JPMORGAN CHASE purchased XXXX XXXX XXXX. XXXX XXXX is the Bank account XXXX XXXX had which states on the money order " payable through XXXX XXXX ''. Because JPMORGAN Chase purchased XXXX XXXX ; JPMORGAN merged all of XXXX XXXX to JPMORGAN Chase, which makes Chase the originatiting bank to contact for redemption of money order. When contacting JPMORGAN Chase ( via phone, and email ) they said they have no records of my money order and that they will not pay me the value of my money order which they are responsible for reimbursing me because of their XXXX XXXX purchase! Attached are two emails addressing this matter. In the corresponding email JPMORGAN Chase executive office said " JPMORGAN Chase will not reimburse you for the money order XXXX XXXX supposed to pay '' some how that email was removed from my email account by JPMORGAN Chase IT department or executive office ; some how that corresponding email was delivered and no faulty action on my behalf was removed.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX is in noncompliance and this is my last time attempting to settle this matter before a lawsuit is filed I as a consumer withdraw my consent for XXXX XXXX XXXX to report any missed or late payment from XX/XX/2021 on my consumer report I have tried to settle this matter several times and this is the last straw. XXXX XXXX XXXX you are to cease and desist from reporting the late or missed payment from XX/XX/2021 from XXXX XXXX undermines title 15 Usc 1681 b you do not have permission to furnish that transaction on my consumer report I do not consent any further reporting is a violation of my consumer rights.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

XXXX had charged my account cause my account to go in to overdraft. I contacted XXXX to get the funds reversed and they did and then reached out to Wells Fargo to notify them about the situation. The agent I spoke to advise me to wait for the refund to go through then call back. Two days later, I reached out back to Wells Fargo to let them know that the XXXX transaction was refunded and that they need to refund me the overdraft fee so I can put my money in my account. The agent that I was speaking to was rude stating that the fee was unable to be. After arguing and explain the the situation about the fee, she finally realized what had happened and reversed the fee. Causing me to wait another day to deposit money in to my account to make the my payment and that next day I got a email stating that my credit report had update with a missed payment. I am seeking help with my situation due to the fact that it was not my fault that my account was overdraft, not allowing me to make my payment for more then a week while I was attempting to make a payment.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: MONEY SOURCE, INC., THE (NM)

The money source mortgage company withdrew two mortgage payments out of my account consecutively causing me to be overdrafted and without money to buy food I have contacted them numerous times and I keep getting the runaround On the so-called refund of second mortgage payment
Consumer complaint received 2020-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

I contacted my Mortgage servicer/ Wells Fargo by telephone on the following dates but was not able to reach a person to assist me with a {$110.00} late charge that I was assessed on XX/XX/2020. 
1st call - XX/XX/2020 2nd call - XX/XX/2020 3rd call - XX/XX/2020 4th call - XX/XX/2020 5th call - XX/XX/2020 6th call - XX/XX/2020 7th call - XX/XX/2020 8th call - XX/XX/2020 9th call - XX/XX/2020 10th call - XX/XX/2020 On each occasion I was on hold for approximately 1 hour only to be disconnected before reaching an agent. I after attempting to reach someone over the phone I visited my local Wells Fargo branch on XX/XX/2020 in XXXX Oregon where I was told that nobody at that location could assist me with my mortgage account. I was provided the business card for a Wells Fargo mortgage banker and told to contact him. When I contacted him I was told that he can only assist with originating new loans and can not provide service for existing loans. He directed me to call the phone number that I have previously tried to reach someone at. I am at a loss for how to reach someone to assist with my issue. Please help!!!!
Consumer complaint received 2022-06-16
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. (MI)

In Accordance with the Fair Credit Reporting Act 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 with my written instructions.
Consumer complaint received 2023-06-12
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. (IL)

Experian is showing a charge off on my credit file of {$42000.00} and this account does not belong to me. they've went as far as saying they have verified the information ; this information is in result of identity theft from someone stealing my information and law 15 usc 1681b states permissible purpose of consumer reports which they have broken I just want to get these accounts off that do not belong to me which Experian and XXXX have on my account.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Diversified Consultants, Inc. (CA)

XXXX XXXX failed to respond to my CFPB complaint as of XX/XX/2018. This by default, requires the organization to remove the debt posted to all my credit bureaus in the amount of {$130.00}. After multiple previous attempts I have disclosed my monetarily exempt income and zero potential for future collection as a result. This organization has failed to validate the collection potential of a debt over 2 years old. I appreciate the CFPB 's intervention to resolve this issue or escalate accordingly.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I contacted XXXX about my loan. My credit report ( XXXX and Equifax ) indicated that I have a balance. I was told it was not updated in my credit report due to a suppression placed on my account. XXXX advice me that the Suppression on my account would be lifted in XXXX. I filed a Dispute XX/XX/XXXX with the credit bureaus that my account from XXXX was reported incorrectly. 

I contacted XXXX again after I didnt see any change and the results of my Dispute XX/XX/XXXX came back stating account was accurate. I spoke a XXXX representative who noted that I called previously. I was told that they are unable to remove the suppression until they get the okay to do so. When that will happen, I was told it will take a long time. They told me to contact the Department of Education. 

I contacted the Department of Education about my account with XXXX being in Suppression. I was told there must be a misunderstanding on XXXX part because my account was transferred to XXXX ( paid in full ). I went back into my credit reports and filed a new dispute XX/XX/XXXX. As of XX/XX/XXXX, it is still under investigation. 

Here is the timeline. My loans were transferred XX/XX/XXXX from XXXX to XXXX. XXXX reported on my credit report : XXXX, Equifax, XXXX Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX Next, loan was transferred from XXXX to XXXX. XXXX reported on my credit report : XXXX and Equifax state Open/Never late, Balance of {$100000.00}, last reported XX/XX/XXXX. Last, XXXX was transferred from XXXX to XXXX. XXXX reported on my credit report : XXXX, Equifax, XXXX Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX Loans forgiven XX/XX/XXXX XXXX I logged into the XXXX account. On my account it stated {$0.00} and closed. I provided screenshots of all my reports.
Consumer complaint received 2022-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

The company responded on XXXX XXXX they sent a letter requesting deletion of this account. As of today XX/XX/XXXX, XXXX still show that the account is negatively reporting to their agency PLEASE SEE the previous response from Medical Data Systems : XX/XX/2022 Complaint Case No. XXXX Consumer Name : XXXX XXXX XXXX XXXX : NAME : Medical Revenue Service ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX NO. : ( XXXX ) XXXX Dear XXXX XXXX : Thank you for taking the time to communicate this matter to us. We pride ourselves in maintaining the highest quality standards for each of our clients as well as consumers. We take these complaints very seriously. It is our policy that all complaints undergo a thorough investigation ; and the results of this investigation are as follows : Account number : XXXX XXXX has submitted a deletion request to the credit bureau on the above mentioned account due to incorrect debtor information upon placement in collections. No other contact has been made on this account. Attached is the credit bureau deletion letter and balance letter for your records. If you have any further questions, please do not hesitate to call XXXX to speak to a representative. Sincerely, XXXX XXXX This communication is with a debt collector.
Consumer complaint received 2023-03-23
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. (KY)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

My Chase checking account was closed on XX/XX/2020. I had had that account since I was in high school. They would not tell me why they closed it because that's " all the information they had at that moment. '' Two months and tens of calls later, they've only given me {$1600.00} of the {$12000.00}. when I call Chase costumer service they say the remaining {$11000.00} can not be released at the moment because " it's still under review by a special team form the back office, which doesn't have a phone number, and have not been approved for release. '' What's really getting me frustrated is that it's been two whole months, and they're telling me they can not give me a time frame as to when the money is going to be released. for two months they've told me to " just wait, '' and it's gotten me nowhere.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2022-06-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MN)

I'm struggling to get my loan modified after Covid Forbearance. This is my 2nd complaint submitted in this process. I successfully completed my 3 trail payments last XXXX, XXXX, and XXXX and have been calling constantly on the status of my modification with no real response. I always receive a different answer and told the company is behind on documents. In my last complaint I was told I was approved for a motification and that loan documents would be overnighted to me which they never were, I reached out to the company and was told my payment amount was $ XXXX ( Escrow ) with a interest rate of 3.850 % and first payment was due XXXX. I called on XXXX to make that payment on time. I then received a document on XXXX stating that the load had gone back to the underwriter and was revised again now increasing the payment to $ XXXX ( Escrow ) and the interest rate would be moved to 5.1 %. When called I was told because of the delay with the company the underwriters were not able to work with the original documents and had to revise it. This new first payment would be due XXXX. I was told again that I would be receiving documents overnighted to sign to lock this in place. As of today XX/XX/20 I have still not received any documents and am VERY concerned that I will make this payment on XXXX and then be told things are changing again. I do not feel I should be paying the higher interest rate of 5.1 % in the first place as in my original complaint to to the CFPB I was told that my loan was modified for 3.85 %. This process has drawn out almost a year now with what seems no end - I simply want this modification completed so I can get back to monthly payment schedule.
Consumer complaint received 2022-07-24
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602a STATES, I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604a 2, ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1692d- HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR THE NATURAL CONSEQUENCES OF WHICH IS TO ABUSE THE HEARER OR READER, ( CAUSING XXXX XXXX ) 15 USC 1692b. ACQUISITION OF LOCATION INFORMATION, ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT. TITLE 15- COMMERCE AND TRADE CHAPTER 94 - PRIVACY SUBCHAPTER I- DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

In the early XXXX, I opened an American Express credit card for my brother-in-laws travel agency. The card was used for this travel agency and no personal purposes. It was on auto-payment from a checking account which was closed. My brother-in-law told me he closed the card over 10 years ago, so I havent thought anything about this account. When I went to co-sign for my cousins student loans in XXXX, I was informed that I owed American Express this money. I had no idea as I never received any letters in the mail or any type of notification whatsoever. If American Express was trying to send me letters, I did not receive any at my only mailing address. Since no letters were mailed to my mailing address, I had no way of knowing if I was trying to be contacted. Turns out that the account was never closed as it would have been impossible for my brother-in-law to close it as he wasnt the account holder, only I was. I had no idea that this was happening though. A letter was written to American Express explaining the situation and we are awaiting a response from them and have been back and forth with them since XXXX. I spoke to someone at American Express and was told that even though I didn't put any charges on the card, the membership fees were continuing to be assessed and can not be rescinded. The card wasn't even being used! The account was charged off in collections and has now hindered my borrowing ability. This is a situation that is out of my control. I should not be held accountable for this as the card was never in my possession and no charges were made, it was only membership fees being assessed. 

As an aside, if anyone were to go back and look at my credit report, all of my lines of credit that I've taken out in my XXXX  years of life have been paid on time. I would never let an account be late or go to collections. This situation is not only ruining my life, but the lives of those who I wish to help out. At XXXX  years of age, I don't even know if I'll be alive in 7 years to see this situation go off of my record. Thank you for your attention to this matter and I hope the CFPB can be of help.
Consumer complaint received 2022-06-20
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, and XXXX XXXX XXXX XXXX account # 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.