davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (CO)

On or about XX/XX/XXXX I became aware by a vendor pulling my credit that WFC mortgage was reporting be deceased ( on a mortgage that I satisfied in XXXX ). I have disputed this information now four times with XXXX and WFC. XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. In each instance WFC reports that I am alive, that the loan is satisfied, and then the next day the information is re-entered incorrectly. And my credit report is erroneously reporting me deceased. 

As such, no one can pull my ( XXXX ) credit. I am currently starting a business and have no access to credit. It is causing me a lot of XXXX and XXXX, my life savings is tied up in this business and in the eyes of the credit agencies I don't exist. 

WFC is probably recording me dead because my wife ( deceased ) was on the mortgage in question that was satisfied. This doesn't answer why this is coming up six years later. 

My wife 's name was XXXX XXXX XXXX Her XXXX was XXXX XXXX XXXX My legal name is XXXX XXXX XXXX XXXX XXXX XXXX The WFC loan number is XXXX It has been purged from their system as it is so old. 
I have been dealing with a complaint specialist at Wells Fargo named XXXX XXXX his fax is XXXX XXXX XXXX I have also spoken to his manager named XXXX XXXX.
Consumer complaint received 2021-09-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AK)

In XXXX of XXXX  I refinanced my home with XXXX XXXX. 
The amt is XXXX with a monthly payment of XXXX for 10 years. 
About a month ago i realized that there were no payments being taken out of my investment banking account. I contacted american financing and they sold the loan to nationstar in texas. I contacted nationstar mortgage, which is mr. cooper loan comp, only to find out that all the letters pertaining to the transfer and payments they sent to me were returned to nationstar. 
I learned also in that phone call nationstar put my home into foreclosure > I was shocked as i have excellent credit, I definitely have enough money to cover payments, My home is worth XXXX XXXX plus and i was never contacted by either company about a foreclosure. I learned that nationstar had the wrong address for me, they never had a phone number or e-mail on file for me, and therfore simply said we can reinstate the loan if you pay all the previous months payments, which i will gladly do but my credit score is compromised and i have to pay XXXX in forclosure fees. 
Wanted to know if a compaany can just forclose on a loan like this without even contacting me. I found out that american financing also had my physical and mailing addresses, which are not the same mixed up. I find it odd that they could potentially get XXXX XXXX from my home just because they did not even try to get an e-mail or phone nu for me. thank you
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

This is my second complaint as to what has been going on. In the last correspondence here with Fay, they responded by stating my mortgage was short {$540.00} due to escrow - this bing after I was told {$660.00} and {$650.00}, on 2 different occasions was due. This shortage started in XXXX, XXXX when I was not even aware I was short due to multiple representatives at Fay telling me I was current. I spoke with a rep this past Friday to make my payment to get XXXX caught up and was told XXXX was paid, I need to make a {$2300.00} dollar payment for XXXX. So for XXXX, {$1500.00} of my payment went towards interest. That is ridiculous. 
We are waiting to hear about a modification that I would like to be permanent but are also waiting to hear on our refinance request. My husband reached out to XXXX this past Friday also who is handling our refinance and she told him that the refinance will be dead in the water if we do not pay {$2300.00} on Sunday, which was yesterday. 
We are late but not in default and everything I have researched states that a refinance is still a viable option if one is late, but not in default. I am scratching my head because if the payment was due for the refinance to continue, why did no one reach out? 
Every time we call, we get a different answer. It is odd because when calling Fay, there are quite a few prompts with verifying numbers and giving them permission to contact you. I always answer yes. This seems to be the only way to communicate. 
Very frustrating.
Consumer complaint received 2021-09-18
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: WELLS FARGO & COMPANY (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Wells Fargo Dealer Services XX/XX/XXXX
Consumer complaint received 2021-09-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO. (IL)

Ive been disputing these debt since 2019 and Ive tried several attempts to have removed from report they have sold the debt to their party and third party is attempting to collect on these fraudulent account and has destroyed my credit
Consumer complaint received 2021-09-18
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. (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-18
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: FC HoldCo LLC (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries Flagship Credit Acceptance XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Kikoff Inc. (GA)

First.. I have excellent payment history on all my bills. All creditors except Kickoff send emails or mail when bills are due. As soon as I get them, I pay them. Kickoff did not send emails or letters to me. Last year I became a Kickoff customer to build my credit. I invested {$12.00} of my own money into Kickoff. Kickoff was paid the {$12.00} immediately. Now, the only thing I had to do was simulate Im paying them each month on time. In the beginning they sent emails for about 3 months. I believed what i read when I joined their platform that I needed not to worry about keeping up with the simulated payments because they will automatically do it for me because they already have their money. I never borrowed any money from them. Since I did not receive any more notices from them, I literally forgot about my account with them. They were not reporting on my credit report until they sent to my credit report I was late for months of non-payment on a loan. This was a surprise to me because, I never borrowed anything from them. So my credit score dropped 40 points. I reached out to Kickoff and requested for copies of emails to be forwarded to me. What they sent was a made up chart that of course did not validate that they sent me an email or letter via mail. I mentioned to them that if I called anyone of my creditors, they can forward me the emails and letters they sent. I received no more response after that. I disputed it with XXXX telling them, I never received a loan from Kickoff to which this would not make them a creditor. I owe them nothing. They refuse to validate proof and remove the derogatory information on my credit report that wasnt true.
Consumer complaint received 2021-09-18
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)

About 5 months ago I decided to fix my credit and get on track again. I started asking to the credit bureaus to investigate two accounts 1. XXXX  and 2. XXXX  XXXX. 
The reason why I asked them to investigate XXXX  was because I contacted this company and they don't have any account under my name, which means Equifax is reporting an inaccurate information. I asked them to investigate XXXX XXXX BECAUSE ON XX/XX/2021 this account wasn't reported on XXXX, was only reported on XXXX AND EQUIFAX WITH A BALANCE OF {$12000.00}. And about two months after on XX/XX/2021 they added this account on all of my reports, the same account with a balance of {$12000.00}. I will attached a copy of my credit report on those dates, that way you can see all the inaccuracies that I found. I hope you can help me with this two accounts that are hurting my credit.
Consumer complaint received 2021-09-18
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)

I am writing to request an expedited payment review for the Public Service Loan Forgiveness ( PSLF ) with Fed Loan Servicing, my current loan servicer. I have repeatedly, over the last 4 years communicated, sent documentation, and requested correction of the payment count on my loans. My final 120 payments on the PSLF program will be XXXX. Due to the length of time and non-responsiveness of FLS, I have continuously tried to work with them to get the payment count corrected. There are 15 payments that are not being counted toward PSLF by FLS. 1 ) 13 payments made to Direct Loans XXXX that are not being properly counted by FLS. Documents 1,2,3 uploaded pertain to these payments. # 1 is a copy of the 13 payment receipts ; # 2 is a letter from Direct Loans that I am being placed on the Income based repayment ( IBR ) plan, a qualifying plan for PSLF ; # 3 is a letter from XXXX acknowledging that when my loans were transferred by Direct Loans to XXXX in XXXX, that paperwork for my loans did not transfer along with the loans. Next, 2 ) A payment made to XXXX on XXXX is shown as ineligible by XXXX. See doc # 4 attached copy of the payment receipt. Next, 3 ) A payment made to XXXX on XXXX is shown as ineligible by XXXX. See doc # 5 attached a copy of the payment receipt. Next, 5 ) A payment made to XXXX on XXXX is shown as Outside of payment window by XXXX. This payment was made to XXXX on XXXX. My loans were transferred to XXXX within a day of this payment causing the payment to be caught up in the transfer. The payment arrived at XXXX but was miscoded. Its still miscoded after 4 years in spite of repeated requests to have XXXX correct it. See doc # 6 copy of payment receipt made on time on XXXX. I need help!! Thank you for your time and work on my behalf. XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

Payoff I originally sent the payoff to Righpath Mortgage, the servicer for Nationstar Mortgage, XX/XX/22. I followed up eight times since XX/XX/22. Rightpath Mortgage is saying that since the account is in bankruptcy, they need fees and costs. It has now been 11 business days. Still no payoff. The client can not sell the house and pay off the mortgage without the payoff.
Consumer complaint received 2021-09-18
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: EQUIFAX, INC. (FL)

For the past couple of months I have been contacting with Equifax and disputing an account that appears on my credit report from a company named XXXX, this account doesn't have any account under my name on their records and I have asked many times to Equifax to remove this inaccurate information from my credit report, or a proof that shows that the account is mine. It been almost 6 months since I started to dispute the account and asked for proof, and nothing has happened, the account stills hurting my credit and there is not proof that this account is mine.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MA)

To Whom it may concern, The complaint is regarding the Citi bank product related to Saving account. 

Summary : Opened the saving account with the promotion of {$300.00} deposited after maintaining certain cash balances for period of time, which I maintained based on the company guideline. After multiple attempts and conversation with Citi bank Rep. they could not deposited the promotion fund ( {$300.00} ) in my account and wasn't able to assurance that it will be deposited in a timely manner. In summary it appears that the promotion is just used to capture the customer 's attention and obligation to provide the promotion balance is not taken seriously. 

I would like your help to resolve this issue and help other customers who is facing this kind of similar issue. 

Thank you CFBP for the support. 

Communication timeline : XXXX. XXXX : XXXX. XX/XX/2022 : Reported the issue with Citi Bank XXXX. XX/XX/2022 : Supervisor : XXXX Manager XXXX XXXX
Consumer complaint received 2021-09-18
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. (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-18
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. (DC)

I am XXXX XXXX XXXX. I am submitting this complaint on behalf of myself and not a third party. 
I previously submitted a complaint and it went unresolved. 
My final attempt at this level to make Equifax aware that I have never signed an Affidavit nor giving Equifax consent to furnish ANY INFORMATION on my consumer report but has that stopped Equifax? No it has not, even through disputing inaccuracies I have still not been been properly handled. The items I disputed do not belong to me. Youre verification was flawed. Show me indebtedness, accounting in detail, a document showing I received any loans or services. Did you interview anyone?! Equifaxs system is fraudulent. Wheres your permission purpose?! You do not have my consent to furnish and you did not investigate anything.