davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MT)

Over last several weeks I have started to get phone calls from Navient over my student loans. They demand repayment they state that I have gotten information that has never came to me. 
Their customer service will tell me one thing then I find out week later when they call back up asking for money that what their customer service has told me has not gotten done. Then their story changes on the loan within two hours of me calling them back to get the dispute resolved. One day my loan is in forbarace for a year two weeks later phone calls come stating I owe them money again. 
Keep asking for transcripts of the calls and all call logs that their company has placed to me so that I can have them for records of customer service telling me one thing them doing the complete opposite of it.

If their customer service was a legit thing and provided me or had the abitity to play them so that disputes could be resolved but their company refuses to provide them with out a sopina from the court. I am now having to look at that to get this dispute done. For the last two years I have repeatly been lied to about information over my student loans. I have papers work stating I took a loan with sallie mae and never anything to do with navient. They say I was notified but I never revieced any information untilll their reps started harrassing me. 
Everytime I have tried to call them we talk I am escolated to another person then another happens every time the calls are done. After the third person the calls go nowhere I say I am geting call backs but they never come. I am told that things are taken care find out once the phone calls start a week later what the customer service has told me is false and nothing is done. towards my loan except for them lieing to me. Half the time I can't even get someone on the phone that knows enough english to even handle anything. 
I have been mislead harrassed lied to and shown some of the most unprofessional unethical I have ever had when dealing with any company. 
I am now having to currently work on getting a supena for the calls and transcripts. Aling with having to take legal action against them for what they have practiced in thier businsss
Consumer complaint received 2022-05-04
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: WELLS FARGO & COMPANY (CA)

I have sent many letters, I have tried challenging the erroneus reporting, I have shown how inaccurate the reporting is across all 3 bureaus at least 5 times now and each time the bureaus use their automated system and somehow the creditor verifies it. How can it be accurate if it is not the same across all 3 bureaus?! How can I have different open and close dates, different payment statuses? I paid this account in full in XX/XX/XXXX as part of a settlement agreement. The account was never charged off or sent to collections. Every month they add a new random remark thus dropping my score even more when this was done in XXXX and there should be NO MORE reporting EVER past XX/XX/XXXX when it was paid and closed in full! This is completely against my consumer rights that no one cares that it is not reporting correctly when I point out blatantly inconsistent reporting! NO remarks/no reporting, no anything should have been reported past XXXX XXXX! Low and behold I log into my XXXX reporting and Wells Fargo has added a new payment status : 120 days past due. Thats weird since it was been PAID SINCE XXXX! Incompetent and unacceptable! And how can they say this was charged off and sent to collections when it never was?! Which has also been one of their status updates! I did a settlement well before my account ever got to that point! Their own letter states that this will be updated as paid as agreed! So why is one bureau showing my CURRENT payment status as XXXX days past due and another bureau showing in collections/charge off if it is PAID! At this point I feel all of their reporting is malicious and I will sue if this is not 100 % correct or deleted from my reports in entirety. Wells Fargo has bullied me enough the last 6 months with their poor reporting. As you can see by lying on their reporting as of XXXX  XX/XX/XXXX and deciding to randomly go in and do a status update they stated my account is 120 days past due as the current payment status and it has yet again dropped my score XXXX points today?! Absolutely ridiculous. It needs to be corrected TODAY!
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

WE DEPOSITED CASH AND THE THERE WAS AN ATM MALFUNCTION. THE ATM ASKED US TO INPUT AN AMOUNT, BUT AT THE TIME WE WERE UNSURE AND DID NOT ENTER ANYTHING. THE COMPUTER SAID IT WOULD ADD A PLACE HOLDER TO OUR MONEY AND WE WOULD HAVE OUR MONEY IN OUR ACCOUNT THE NEXT MORNING. I CALLED THAT NIGHT TO REPORT THE CONCERN AND BY THEN WE KNEW EXACTLY HOW MUCH MONEY WE DEPOSITED IN OUR ACCOUNT. IT WAS A TOTAL OF {$710.00}. THE PERSON ON THE PHONE SAID THEY WOULD BE DEPOSITING THE MONEY IN THE ACCOUNT WITHIN A FEW DAYS AND IF THEY WOULD LATER FIND OUT THERE WAS A MISTAKE THE MONEY WOULD BE WITHDRAWN. I HAVE BEEN CALLING EVERY DAY FOR THE PAST 4 DAYS AND CAN NOT GET AN ANSWER. THEY HAVE BEEN RUDE TO US AND GIVEN US THE RUN AROUND. I FEEL WE ARE BEING DISCRIMINATED AGAINST BECAUSE OF OUR LAST NAME. I FEEL THEY THINK WE ARE LYING AND THAT IS WHY THEY ARE NOT PUTTING THE MONEY BACK. WE HAVE BEEN BANKING THERE SINCE 2006. WHY WOULD THEY DO THAT OTHERWISE. ITS SIMPLE, WHY WOULD A XXXX BE TELLING THE TRUTH. IF MY LAST NAME HAD A WHITE NAME THEY WOULD HAVE PUT THE MONEY BACK. IT SHOULD BE EASY FOR THEM. THEY MONEY WAS DEPOSITED IN THEIR ATM. IT MALFUNCTIONED AND NOW THEY DONT WANT TO GIVE US OUR MONEY BACK.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I have been a Chase Sapphire Reserve member for years. In XXXX my credit card number was stolen and used to make XXXX fraudulent purchases- XXXX from XXXX and another from XXXX. The thief had the items shipped to my home and was watching to steal the items off our porch. Fortunately we were home at the time and the items were not taken. I contacted Chase in XXXX, reported the fraud, and was issued a new card. Chase put a credit on my account. Then a month later they called and told me they investigated, the charges weren't fraud, and I would be charged for the items. I called multiple times and could not get a resolution. Finally I contacted the merchants who helped me return the items. Even though the items have been returned more than 45 days ago Chase will not refund my more than {$2000.00} and the merchants will not issue a refund because Chase is holding the charge backs. They have all of the documentation including images of the confirmed return shipping and yet that continue to fraudulently hold more than {$2000.00} of my money for months with no resolution. Every time I call Chase they just direct me to the merchant who says they can't do anything until Chase releases the funds. If I was using Chase 's credit they would be charging me 25 % + APR for this. Not to mention that I pay {$490.00} per year for the privilege of having this card...
Consumer complaint received 2022-05-04
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. (LA)

Equifax deleted a bankruptcy off my report and then added it back to my report and i have proof from a report generated by equifax. This is illegal! and must be removed at once! 

Equifax needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires.Factual data is report 2 inquires and i only authorized them once. 

XXXX refused to show proof of their investigation in a timely manner according to the FCRA guidelines. and refused to delete a bankruptcy inaccurately reporting. This is illegal! and must be removed at once! 

XXXX needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires. Factual data is report 2 inquires and i only authorized them once. 

XXXX refused to show proof of their investigation in a timely manner according to the FCRA guidelines. and refused to delete a bankruptcy inaccurately reporting. This is illegal! and must be removed at once! 

XXXX needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires. Factual data is report 2 inquires and i only authorized them once.
Consumer complaint received 2017-01-27
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (NJ)

When I was younger, Wells Fargo practiced Predatory Lending by giving me an intial home equity line of credit for {$25000.00}. They then increased it to {$45000.00} and then ultimately increased it to {$120000.00}! They knew I was never going to be able to pay it back, and now, 12 years later, my balance is still, {$110000.00}!
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CO)

XXXX, XXXX, XXXX XXXX, and innovis  are proposing the account details of my XXXX  XXXX bankruptcy, in addition they are reporting the XXXX XXXX car agreement with XXXX XXXX as not paid off. I paid off the vehicle and am in good standing with XXXX XXXX. 

Please, fix these two issues.
Consumer complaint received 2022-05-04
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: I.C. System, Inc. (GA)

Im accordance with the Fair Credit Reporting Act. XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

I.C. System, Inc account number : XXXX 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 adversevitem of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C Apersonshall not furnish any information relating to XXXX XXXX reporting agencyif the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2022-05-04
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. (MI)

I have disputed with XXXX XXXX, Equifax and XXXX about this account several times. I have a collection reporting on my account as an open account, which is incorrect, the account was paid off as a pay for a delete account. XXXX deleted this account on XX/XX/2020 and Equifax and XXXX refuse to investigate the accuracy of the account. XXXX sent me a letter after several attempts to get this item removed, stating they applaud my efforts in trying to fix my credit, but have yet to do a proper investigation. This collection appearing on my credit profile is hindering me from securing funding.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (WI)

Name : XXXX XXXX XXXXXXXX XXXX A PART OF XXXX XXXX : I NEVER APPLIED THROUGH THIS COMPANY, I WOULD LIKE THIS REMOVED IMMEDIATELY. SOMEONE ELSE USED MY SOCIAL SERCURITY NUMBER. 
XXXX Name : XXXX XXXX XXXX Date : XX/XX/2022 Reason : I DIDN'T NOT APPLIED TO THIS COMPANY ON XX/XX/2022, SOMEONE ELSE APPLIED ON THIS DAY. THIS IS NOT ME I WOULD LIKE THIS INQUIRE REMOVED. 

Name : XXXX XXXX XXXX XXXXXXXX Reason : I WOULD LIKE THIS TO BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

We have completed a complaint with your agency before about this same problem with Wells Fargo Home Mortgage Company. 4 times, we have contacted Wells Fargo Home Mortgage Company about our missed payments during COV-19 Forbearance. We advised them 4 times that the payments were Deferral to the end of the loan, but we keep getting harassment letters NOW for full payment. We don't know if Wells Fargo Home Mortgage was supposed to send us a letter or something to complete for the deferral payments, but now we are getting more letters from Wells Fargo Home Mortgage ( 2-3 ) letters weekly even now letters from a collection 's agency. Please Help with this problem. 

Ps. The telephone calls stopped now Letters picked up. We signed a letter for limit contact from Wells Fargo, but they keep playing games with these harassing letters ( 2XXXX ) letters weekly.
Consumer complaint received 2022-05-04
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account Number ( xxxxxxxxxx XXXX-full account number not provided ), has violated my rights : 15 U.S. Code 1681Section 602 A- Violated my right to privacy. 

15 U.S. Code 1681 Section 604 A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I own a property located at XXXX XXXX XXXX XXXX, XXXX, XXXX. The loan is serviced by Select Portfolio Servicing , Inc. ( SPS ) XXXX of XXXX. I have had XXXX claims on this property in which the insurance company sent at least XXXX checks to SPS for the repairs and SPS has misappropriated the funds. Despite all repairs being complete ; and despite independent verification by SPS 's inspector and the Insurance claims adjuster that all repairs have been satisfactorily completed, SPS has failed to pay the contractor and reimburse the expenses that I paid out of pocket. SPS is engaging in a criminal act by misappropriating construction funds in violation of XXXX Law as well as engaging in insurance fraud. SPS should not be allowed to hold a mortgage lender license.
Consumer complaint received 2022-05-04
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. (GA)

These accounts do not belong to me. I have provided the supporting documentation, and still remains. Please remove these from my Equifax credit report. 
XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # # # XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this claim against Equifax XXXX XXXX. I have contacted them and filed disputes because they are reporting an incorrect address under my name. I have told them multiple times and sent my w2 as proof of the correct address and they still won't update it. I want them to do their jobs and report my address correctly! Also, they have listed 2 collections accounts under my name. They are NOT mine! I have told them over and over! The address isn't right and the collections aren't mine. I demand a deletion of this incorrect information
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (OH)

I have disputed this debt with XXXX several times. This is debt that i do not owe. Ive never had any relations or business with this company. They continue to furnish this debt on my credit report and have failed to report this debt as fraud. They have violated several of my rights and broken several laws. I havent given XXXX my written instructions or consent to furnish anything on my credit report. Nor have I given them permission to pass on any of my information to any third party person! They continue to violate my rights. If this account isnt taken off of my credit report with XXXX relief i will file for litigation immediately. 

According to 15 USC 6802. No financial institution is supposed to share my information to third-party people. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy. 

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. 

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

i have not given these accounts ( below ) or XXXX/I.C. System my written permission to furnish these accounts on my credit report. 

I.C System INC account # XXXX. 
( Original creditor XXXX )
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AL)

Equifax has changed my report but does n't allow me to review it. I 've been blocked from seeing the latest updates. The red circle highlights the areas that do not give me a option to insure my report is correct. The earliest XXXX conformations were accessible until I forwarded them to the XXXX.
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

On XXXX XXXX XXXX XXXX, I submitted my verification from the Veterans Benefits Administration stating that I was 100 % XXXX. 

I contacted Nelnet XXXX XX/XX/2022 and was sent via e-mail a Discharge Application : Total and Permanent XXXX form to complete and return with my verification. 

I returned both items on XXXX XX/XX/2022. I received a letter XXXX XX/XX/2022 stating The U. S. Department of Education had received my application and the review process could take up to 30 days. 

I also received another letter from Nelnet dated XXXX XX/XX/2022 thanking for my intent to apply for Total and Permanent XXXX although I'd submitted the application via e-mail on XXXX XX/XX/2022. The letter also stated the Loan Holders had been contacted and any collection activity was to be suspended for 120 days as of XXXX XX/XX/2022. My loans were in the Deferment at the time of application. 

I submitted another application via fax. I faxed the application to XXXX. 

On XXXX XX/XX/2022, I received a letter from Nelnet stating effective XXXX XX/XX/2022, the Department of Education approved my application for discharge of my federal Student Loan. My loan holders were instructed to discharge my loans. I did have to resubmit the VBA memo to verify the correct date the of the XXXX. 

The Department of Education loans were paid on XXXX XX/XX/2022 ; however, I had to contest the information listed on my credit report as it had not been updated. But the response received from XXXX and XXXX was the Nelnet loans were current. 

To date the loans under Nelnet Loan Services , Inc. ( XXXX ) has not been XXXX. I can't see any information when I log onto my account except for the payment for the Department of Education loan. I called Nelnet customer service XXXX XX/XX/2022, and the representative told me I was 26 days late on my payment which I was in deferment prior to submitting the application. I was transferred to a representative who me that the loan information had to be requested from Nelnet. I inquired as to why? They are Nelnet. 

I submitted XXXX XXXX XXXX XXXX XXXX XXXX complaint XXXX XX/XX/2022. Nelnet 's response was they have 150 days to address the application. I provided the XXXX with all correspondence from Nelnet.
Consumer complaint received 2022-11-01
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. (MD)

I received a letter dated XX/XX/XXXX from XXXX stating that their investigation was complete, and my credit report remains unchanged because the XXXX XXXX XXXX XXXX XXXX continues to falsely report to them that my account is charged-off and delinquent in the amount of {$10.00}, XXXX. This account was settled on XX/XX/XXXX. I have provided court documentation to that effect. All three credit bureaus have ignored the documentation I have submitted and will not take action against the credit union for continuing to provide false information.
Consumer complaint received 2022-05-04
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. (TX)

all 3 cr burs are coming up with wrong info on me, there are no public records of debt, medical debt the creditor did not ans insurance co inquiry and i am not paying it so these need to be corrected, apt complex notify them that the debt was paid,
Consumer complaint received 2016-11-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: C & M Associates Group, Inc. (TX)

I received a call this evening from XXXX & XXXX XXXX. The woman on the other and proceeded to tell me that she 's been trying to contact me and that she had exhausted all means they were at the point were I was going to be served and sued. I proceeded to ask why and she told me I had a {$6000.00} debt in XX/XX/2003 but I had not paid. I asked why I had not received any communication and she said it had been sent and they would not send anything else because they have done their part. I went on to explain that I need the debt validated however the lady became very upset and told me that they had no reason to validated as if I did not agree to pay they were going to go ahead and pursue charges to me. I explained I do not have XXXX knowledge as my son has an incurable XXXX but I 'm paying for. I 've sold everything to help pay for my son 's medical needs at this time. she proceeded to laugh at my situation which was heartbreaking. She told me that today she would agree to take {$3000.00} as a settlement and at that point they would no longer pursue charges or sue me. I told her I do not have that kind of money and she requested that I give her pre-paid checks. I do not think it 's fair I have to pay a debt I do not know what it is nor fair that I 'm threatening to be sued