davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-16
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. (PA)

I filed an dispute for a unauthorized account that has be reporting to my credit profile. Ive attempted to dispute this account on multiple occasions. I am a victim of identity theft as I explained to all three bureaus. I just received an update stating that the account has been verified.
Consumer complaint received 2021-11-16
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. (AL)

XXXX XXXX is reporting multiple 120 lates on my credit report. I have never paid my account 120+ days late. I have contacted XXXX XXXX to correct this reporting with no resolve.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (WI)

Balance transfer requested from XXXX XXXX/Elan XXXX XXXX XXXX XXXX XX/XX/2022 in error. The check was issued on XX/XX/2022. {$6000.00}. 
I realized the error and called to put a stop payment on the check XX/XX/2022. 
XXXX XXXX cashed the check ( I have the canceled check ) on XX/XX/2022. 

XXXX XXXX claims the check was denied days later an they returned the money to XXXX XXXX/Elan XXXX 

XXXXXXXX XXXX/Elan says the check was cashed by XXXX XXXX and not returned to XXXX XXXXElan. 

I now have a {$6000.00} charge on my XXXX XXXX/Elan Card , plus a fee of {$170.00}. 

The {$6000.00} is either with XXXX XXXXXXXX/Elan or XXXX XXXX XXXX I don't know who to believe, but I am sure they both have accounting departments and somewhere there is an amount of {$6000.00} unaccounted for. 

I am getting nowhere with the companies involved. One blames the other and I am out {$6000.00}. 

Please help me solve this.
Consumer complaint received 2021-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

The main reason for this complaint has to do with the unnecessary back and forth after submitting all required application information for loan repayment and PSLF criteria. Fed loan required one to submit a copy of loans from XXXX and XXXX XXXX ( given the loans have been transitioned so many times not by my choice ), however, Fed Loan verifies these and incorrectly verified the total number of loans paid, and took around 90 days to do so ( initially submitted XX/XX/2020 ). Subsequently, each attempt to re-upload the information never correctly changed the amount of paid loans until 2 months ago ( 11 months after initial application ). Since then, no letter of acknowledgement of qualification for the Loan repayment program have been sent to me, just verbal acknowledgement that it can take 90 days but I " should '' be okay. Acknowledgement that Fed Loan has the correct information is given but without specifying what this correct information is ( particularly in regards to number of monthly payments acknowledged towards the 120 loan payments required. At this point I also only have a verbal acknowledgement that my loan status should be okay when Fed Loan transfers my loans to the next loan servicer without a written acknowledgement of my qualification for the PSLF program given the last 10 years I have worked in a community hospital. After over a decade of public service, while repaying my loans, all I have is a verbal agreement that the rest will be waived at this point.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (WA)

My Wallet was stolen with all my information in it including id and debit cards, credit cards. And today I received an email that someone had open a discover credit account today XX/XX/21 under my name using my ssn. The fraudulent application and card is opened under my name
Consumer complaint received 2021-11-16
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: MARINER FINANCE, LLC (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that XXXX Credit Bureaus lacks proper record keeping. Now, this account is reported to be late, yet it is closed and the balance is XXXX. Lets change this immediately. The Bureau is required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately.
Consumer complaint received 2021-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (OH)

From XXXX XX/XX/2021 Money being paid from my checking to XXXX  XXXX  for a game online, I ne ver authorized.

I didn't realize I was being charged d Rite away and ow I have thoughsands missing and being denied my money back. I've had disputes but no luck when trying ow my account is negative and I'm afraid to use it due to these charges I need help im not good with all these online programs and want someone to help
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

On XX/XX/ at XXXX XXXX. I spoke to XXXX XXXX from XXXX XXXX NMLS # XXXX. I was inquiring about a refinance on a property in XXXX, Arizona. I explained that I did not want this to affect my FICA score so I did not want a Hard Inquiry. He responded that he understood, we had a pleasant conversation I explained I was looking for some options with high equity and low income. He said he was winding up the night and would continue this tomorrow on Friday XX/XX/XXXX he said he would call me first thing at XXXX. I never heard from Mr . XXXX again. Instead, I received an email on Saturday XX/XX/XXXX that stated they could sweeten the deal and I've been speaking to Mr . XXXX but haven't applied for a loan yet ( attached ). During this period, I received a warning that i had a hard inquiry and my FICA score has decreased significantly. On Monday XX/XX/XXXX XXXX XXXX  I received a text which was very unprofessional stating he was XXXX from XXXX XXXX XXXX XXXX. At this point with my FICA effected and now this text I was concerned my Social Security and other private information was being used illegally. I responded to XXXX that I wanted he last name, telephone number and extension. I received a text on Tuesday at XXXX XXXX with the information I requested. ( attached ). I also received an email from him ( XXXX XXXX XXXX XXXX NMLS # XXXX at XXXX stating my loan was reviewed and unable to offer funding. ( attached ) ALL THIS AND I NEVER AUTHORIZED. I was finally able to talk to XXXX via telephone and explained my situation and understood he is handling this currently, he offered no explanation what was happening with Mr . XXXX and why this all started without my authorization, in fact two days after I spoke to Mr . XXXX I received an email stating no loan has been started, then three days later I received a letter from him stating loan application was not able to fund do to non activity. He had no explanation why I received this letter and told me that the letter was automatically generated because of inactive account. All this happened from Thursday XXXX XXXX to Tuesday XX/XX/XXXX early morning.
Consumer complaint received 2021-11-16
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: ALLY FINANCIAL INC. (NJ)

There are some negative item that are hurting my credit scores, I want them to be removed as soon as possible from the three credit reporting agencies. 

1. ALLY FINCL Account Number : XXXX 2. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (LA)

SYNCB/XXXX XXXX XXXX XXXX. XXXX, 2021 XXXX ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information SYNCB/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I had a mortgage with wells fargo and tried to do a modification. The required me to resend the documents nearly every 30 days for over a year. they then put me in for a trial modification program and both times I made the required payments and was then denied the modification. My home was eventually foreclosed on but in the process I made over XXXX in trial payments. 

I received a letter saying there was an error in the calculation of the attorney fees with a small check but that was it. 

How do I know if I am eligible for more compensation? Am I just supposed to wait for them to see if they believe I was wrong? In my opinion I should at least be eligible for a return of the trial payments. 

I put XXXX down on my house and all of that was lost as a result of the foreclosure and then they turned around and sold the house for over XXXX plus whatever I paid during the time I did pay my mortgage. They benefit much more by foreclosing on me that they would have by giving me the modification which seems to the reason why they never intended to give me the modification although they pretended to be trying.
Consumer complaint received 2022-11-11
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. (ME)

I never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX account number xxxxxxxx XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.
Consumer complaint received 2021-11-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

Complainant XXXX XXXX attempted to purchase a home located at XXXX XXXX XXXX, XXXX, GA ( XXXX County ). Complainant identified himself as XXXX XXXX. Complainant belongs to a class of persons whom the Fair Housing Act ( the Act ) protects from unlawful discrimination because of race. Complainant alleges discrimination by Respondent Quicken Loans XXXX XXXX, through Respondent XXXX XXXX, Senior Loan Officer ( XXXX ) and Respondent XXXX XXXX, Director of Mortgage Banking ( XXXX ) Complainant alleges prior to applying to get a loan from Respondent Quicken Loans XXXX XXXX, he informed Respondent XXXX that he would be receiving down payment assistance through the XXXX County Home Stretch Program. Complainant alleges he was initially informed that the program was accepted by Respondent Quicken Loans, XXXX, but after applying and being approved for the loan in early XX/XX/2020, he received a letter stated the loan was denied because he had insufficient funds to close on the subject property on XX/XX/2020. Complainant stated that he contacted Respondent XXXX to get a reason for why the down payment program was not being accepted, but she could not provide a valid reason. Complainant stated he escalated his concern to Respondent XXXX and was informed the reason for the denial was because the debt to income ratio ( DTI ) was 200 %. Complainant alleges that Respondent XXXX reason was false and he believes the XXXX was used to disguise the true reason for the denial, which he believes is race. Complainant stated that he believes once it was discovered that the subject property was in a predominately white neighborhood, the Respondents decided not to accept the down payment program. Complainant alleges before disclosing the location of the subject property, the Respondents were fine with allowing him to receive assistance from the down payment program. Complainant stated as a result of the Respondents denying his loan, he lost the opportunity to purchase the subject property. Complainant believes the Respondents have collectively discriminated against him based on race in violation of the Act.
Consumer complaint received 2022-11-11
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. (ME)

I work as a XXXX in The State of XXXX. I am required to keep my security clearance. During a security check it was revealed that cases had been created without my knowledge or consent. One case was with XXXX XXXX. I have a good relationship with the now, but an account was opened without my consent on XX/XX/2015. That account was not mine and was charged off. It has been placed with agencies, taking away my security clearance. Please have this item removed as it will cost me my job. 

The Account ended in XXXX XXXXXXXX The account is reported as Past due {$1100.00}
Consumer complaint received 2021-11-16
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: PNC Bank N.A. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2019-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I had paid on these loans for over 7 years, sometimes paying additional money to go to principle.  In looking at the records, that doesn't show on the payments.  As a matter of fact, when calling customer service about this issue, they would just state "it is going to principle, we don't have a way of proving that".  I paid on these loans every month over 7 years.  My debt owned did not even barely go down over the course of my payments!  I have finally looked into it more closely and decided to refinance.  I refinanced $XXXX, which shows a payoff date of 7 years.  My original loans were roughly the same amount when I began paying...how it is possible that over the course of paying I didn't put but a small dent in my loans in roughly the same time period?
Consumer complaint received 2022-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

After receiving the response to my previous complaint about XXXX XXXX I called Nelnet on XX/XX/XXXX to discuss getting a {$20000.00} refund for payments I made in 2021 when the account was held by XXXX XXXX. I called Nelnet again on XX/XX/XXXX to check the status of my refund and they said it hasn't moved. Nelnet is aware of my payments and it sounds like the account has been transferred to them and they are in control as the transfer is complete. I want confirmation the Treasury department has received my request and my refund request of {$20000.00} will be sent to my house in a timely manner. Details regarding the payments are listed below and I attached screenshots as welll. 

" On XX/XX/2021 I made a {$25000.00} payment towards my student loan balance. This was made before my loans were transferred to Nelnet. Details regarding the payment is listed below : XXXX XX/XX/2021, XXXX XXXX  to XXXX Dear XXXX : We are confirming the student loan payment you scheduled through Account Access. Payment Amount : {$25000.00} Payment Date : XX/XX/2021 Checking/Savings Account : XXXX Confirmation Number : XXXX ''
Consumer complaint received 2022-11-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc. (NC)

I closed my COINBASE account XXXX/XXXX/2022. It was not disclosed to me that I would also be closing my COINBASE XXXX  account. I was also never prompted to withdraw the $ XXXX USD in my COINBASE XXXX account. The company closed my COINBASE XXXX account and pocketed this money. They are now feigning ignorance so that they can keep the money, despite multiple attempts to resolve the issue.
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

While vising XXXX my debit card was transacted for $XXXX  and debited from my account. Wells Fargo said because my PIN was used that i gave someone permission and closed my claim. This is untrue as no one has my PIN and my card did not leave my procession. there was also 3 other denied transactions leading up to the amount in question. Why  didn't wells Fargo stop my card then, when it was evident that someone was trying to access my account? The occurrence happen XX/XX/19. Please help me.
Consumer complaint received 2019-12-11
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-11
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (FL)

I've contacted Nelnet via certified letter to request the original master promissory note to verify the loan debt is in fact mine. They have failed to provide the original master promissory note to me ( on multiple occasions ) with my signature and unable to verify that the student loan debt is in fact mine. 

The debt is being report late on all of my credit reports and requesting that the debt be removed from credit file since Nelnet is unable to provide this master promissory document thus unable to verify the debt.
Consumer complaint received 2016-05-16
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (MS)

Now, Seterus is falsely claiming a debt and loan from XXXX. We have and will continually deny this fraudulent debt and loan made by Seterus. Our communication to Seterus was/is very simple ; do not contact us again because you all " Seterus '' is now claiming to have/servicing a Loan from XXXX plus ( XXXX and its affiliates ) are in violations of Federal Laws by continual harassments and threats. Therefore, you all Seterus plus ( XXXX and its affiliates ) need to stop making fraudulent claim about they have a lien on our property and owe a loan through XXXX because Seterus are trying to make a claim and a false foreclosure on my property which lead to defamation of our character. " Allegedly, Seterus plus XXXX, XXXX/ XXXX XXXX , XXXX etc. have committed fraud and continue to do so because they never had a lien on our house from the off-set or the inception of our mortgage ( See attachments ). " See the previous complaints made by us '' Submitted by XXXX XXXX and XXXX XXXX