davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Covid, We were paying on time until the pandemic. I could not pay due to no income. I am a real estate agent. I requested a forbearance and they agreed to let me miss payments. 
Once I was able to resume payments, they refused payment. I requested a forbearance as advertised on all news channels and they said no because " I refused and or told their agent I did not want a forbearance ''. This is not true I never said that I didn't want a forbearance. They said " it is in their notes of when I spoke with an agent ''. There must be a misunderstanding. I never said I didn't want a forbearance. 

I want the forbearance and I can pay monthly. They requested modification documents then said I didn't qualify for a modification. 

Please listen to the recording, I never said I refused to any type of help. If it in their notes they must have the date and time I allegedly refused the forbearance. 

I want to keep my home and only missed payments due to the pandemic. Please have them submit a copy of the recording.
Consumer complaint received 2024-10-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MD)

I am filing this complaint against Sallie Mae for predatory lending practices, improper loan servicing, and unethical behavior by their third-party collection agency, XXXX XXXX XXXX XXXX I borrowed {$20000.00} in private student loans during my XXXX program at the University of Maryland XXXX XXXX ( XXXX ). Due to excessively high interest rates and Sallie Maes refusal to offer affordable repayment options, my loan balance has ballooned to over {$45000.00}. Sallie Maes unethical practices, including unauthorized disclosures of my personal financial information, have further escalated the situation. 

Key Points of Complaint : XXXX. XXXX XXXX and XXXX XXXX : My initial loan balance was {$20000.00}, but Sallie Maes high interest rates ( 14 % ) have caused it to grow to over {$45000.00}. Despite my efforts to make payments, the companys refusal to provide income-driven repayment options or adjust my payment schedule led to my default in XX/XX/XXXX. 
XXXX. Unaffordable Payment Demands and Default : After experiencing layoffs in both XXXX and XXXX, I could no longer afford the increasing monthly payments, which XXXX to nearly {$6000.00}. Sallie Mae and their collection agency, XXXX XXXX XXXX, continue to demand full repayment of over {$45000.00} within 12 months. This is the same payment amount that led to my default in the first place. They also threaten legal action and wage garnishment, exacerbating my financial stress. 
XXXX. Misrepresentation of Interest Accrual During Forbearance : When I requested forbearance due to financial hardship, I was informed by Sallie Mae that interest would not continue to accrue after the loans were charged off. However, interest continued to accrue, adding significantly to my debt. 
XXXX. Improper Disclosure of Personal Information to a Third Party : XXXX XXXX XXXX, acting on behalf of Sallie Mae, violated my privacy by contacting my mother, who is not listed on the loan or any financial agreements, and disclosing sensitive financial information, including my routing and checking numbers. This has caused significant tension in my household. 
When I confronted them, they stated that they would do whatever it takes to contact me and blamed my mother for answering the phone. This is a clear violation of consumer privacy and unethical conduct by the third-party collection agency. 
XXXX. Threats of Legal Action and Wage Garnishment : XXXX XXXX XXXX has continuously threatened legal action and wage garnishment if I do not comply with their demands to pay the settlement amount in full within 12 months, despite my clear inability to afford such payments. 

I am requesting that the CFPB investigate Sallie Mae and their collection agencys predatory and unethical practices. I am seeking relief in the form of affordable repayment options and an end to the inappropriate actions by their collection agency, XXXX XXXX XXXX.
Consumer complaint received 2022-08-08
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. (OH)

XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX Please investigate this account and remove if theres anything missing XXXX XXXXXXXX Please investigate this account and remove if theres anything missing XXXX XXXX XXXX Please investigate this account and remove if theres anything missing
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX and 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. XXXX continues to violate my rights by publishing without my written instructions. 
In light of recent investigations brought upon XXXX, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated, also Experian responded to prior complaint that, Upon further research and re-investigation, and in accordance with the FCRA, the inquiries are in the process of being removed or not listed on the Experian credit report, except for one of them. Once the update has taken place an updated copy of the credit report will be forwarded to you for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. still on my report are XXXX XXXX, XXXX XXXX  and XXXX XXXX Im wondering why they said they would remove all but 1 and they are still there?
Consumer complaint received 2022-05-31
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. (TX)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. I sent a letter on XX/XX/XXXX to remove the inaccurate personal information : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX accounts : XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX Balance {$530.00} ; XXXX XXXX  I XXXX Balance {$500.00}, and inquiries : XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX/XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX/XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX, and I am including them again.
Consumer complaint received 2022-08-08
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. (NY)

In accordance with the Fair Credit Reporting Act. 

After notifying the company in writing and asking for verification of information on my consumer report according to 15 USC 1681 section 609 ( a ) ( 1 ) ( A ) that the consumer agency was reporting the wrong information. The agency said the information was verified and correct and even after asking for an re-investigation according to 15 U.S.C. 1681i 15 U.S.C. Code 1681 ( b ) permissible purpose 15 U.S.C. 1681 section 602 ( a ) right to privacy 15 U.S.C. 1681 section 604 ( a ) ( 2 ) 15 U.S.C. 1681 section 611 ( 5 ) ( A ) 15 U.S.C. 1681 section 611 ( a ) ( 7 ) & 15 U.S.C. 1692g
Consumer complaint received 2022-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (CA)

On XX/XX/2022 I received an offer for a personal loan : {$590.00} SoFi Personal Loan Bonus Offer. I confirmed with an agent that I qualify. The loan application provided me terms of repayment to select. I submitted and Sofi ran my credit. Then they denied me with the following reason ; " Does not offer credit on the terms requested. '' I contacted support. They believed it was due to a computer error regarding another partially completed loan application. They removed both applications and had me do another application. Instead their system states " SoFi can't offer you a personal loan at this time, but XXXX may be able to help. '' This is a referral to a different lender. The agent suggested I add a co-signer. 

My credit score on their denial letter is XXXX as of XX/XX/2022. They loan was for {$5000.00}. It appears to me that this is some bait and switch in order to mine my data. How can they reject me on the terms requested when they are the one 's that gave me the terms to pick from?
Consumer complaint received 2022-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

PennyMac is my mortgage broker. They allege they issued a check to pay my property taxes at the beginning of XX/XX/XXXX. However, the city of XXXX did not receive my payment and I had no idea. In XX/XX/XXXX, I received a letter from the City of XXXX indicating that my house would be put up for tax sale on XX/XX/XXXX if I didnt pay my delinquent property taxes. I immediately called PennyMac who told me it would take up to 14 days for them to provide me with the tracking information on the check they had allegedly mailed. I continued to spend hours on the phone with PennyMac and then hours on the phone with the City. Finally, I contacted the mortgage provide who sold my loan to PennyMac. He was able to connect me to someone at PennyMac who issued the check in XXXX for my property tax payment that was due in XXXX. PennyMac never confirmed to me that the payment was made. I had to get confirmation via the city of XXXX. 

Once the XXXX tax payments was finally received by the city, I thought I was in the clear for future payments. However, my tax payment that was due at the end of XXXX has not been received by the city. I called PennyMac to request proof of payment and they informed me that the tax payment was wired on XX/XX/XXXX. However, they would not be able to provide me the wire confirmation number for up to 5 business days. 

Its absolutely absurd that I have spent 16+ hours mediating between the city of XXXX and PennyMac over the payment of my property taxes when PennyMac is legally obligated to pay the taxes from my escrow. I have asked PennyMac time and time again how I can ensure that all future property tax payments are received on time and they have not provided a solid answer. Its infuriating to face possible consequences for being delinquent ( like the fact that my house was nearly put up for tax sale ) when I have no control over the transfer of funds from PennyMac to the city.
Consumer complaint received 2022-01-11
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: CBC Companies, Inc. (AL)

I have been continuously disputing with XXXX, XXXX, XXXX XXXX, concerning reporting/displaying invalid information on my credit report, the company refuses to provide accurate information regarding to student loans on my report, i have informed them countless times to provide me with the original instrument of indebtedness used by XXXX in order to even put this information on my credit report, this false information was original reported in XXXX i was not of age to consent to such action, as the required age is 21. XXXX, XXXX, XXXX XXXX all reported inaccurate information from credit acceptance, and refuse to follow the law and remove account from report.They allow debt collectors to put anything on reports without actually investigating the matter properly.violation 15 U.S. Code 1681s2, Prohibition ( A ) Reporting information with actual knowledge of errors 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. One items was removed liability, inconsistent score across all 3 bureaus causing adverse action, oppression, hardship to consumer
Consumer complaint received 2022-08-08
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. (NY)

In accordance with the Fair Credit Reporting Act. 

After notifying the company in writing and asking for verification of information on my consumer report according to 15 USC 1681 section 609 ( a ) ( 1 ) ( A ) that the consumer agency was reporting the wrong information. The agency said the information was verified and correct and even after asking for an re-investigation according to 15 U.S.C. 1681i 15 U.S.C. Code 1681 ( b ) permissible purpose 15 U.S.C. 1681 section 602 ( a ) right to privacy 15 U.S.C. 1681 section 604 ( a ) ( 2 ) 15 U.S.C. 1681 section 611 ( 5 ) ( A ) 15 U.S.C. 1681 section 611 ( a ) ( 7 ) & 15 U.S.C. 1692g
Consumer complaint received 2022-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, and 60 days in XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 60 days in XX/XX/XXXX.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

I opened checking account with citi Bank in XXXX XX/XX/2022 and they offer if you maintain {$50000.00} for two months citi bank will give bonus of {$700.00} after 90 says. And I maintained XXXX $ in account more than 2 months and after that I withdraw XXXX from my account and they froze my account. Now they are not giving me the answer why they are going to close my account. And I need my money for medical purpose but they are not giving my XXXX $ back. Because they froze my account.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NV)

I wired XXXX euro to an individual who provided all of her details including bank information to me. Because it was an International transfer, she suggested to use Wise. The XXXX never went through to the recipient. It was immediately taken from my account and left in limbo unable to be received by the person I sent it to. When I tried to get my money wired back to me, the company has continually said it will not go through. I have gotten all of the correct information from my bank, tried multiple times with different accounts and every time they say it won't go through. They had no problem receiving the money and now will not send it back to me. I have been going back and forth for months now and they will not give me any other answers other than it will not go through. They have now stopped responding to me. 

If you were able to receive the money you should have no problem sending it back. 

I looked up their reviews on XXXX XXXX and there are hundreds of people who claim wise has also stolen thousands of dollars from them. XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

this account was removed by CFPB from all three credit reports due to not being verified as being mine According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-11-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (OK)

Subject : Complaint Regarding Credit Acceptance 's Refusal to Provide Original Agreement Dear CFPB, I am writing to file a complaint against Credit Acceptance regarding their refusal to provide me with a copy of the original agreement for said account. I requested that this document be sent to the address originally on file with them, but my request was declined.

This document is crucial for my records and to resolve any discrepancies. Despite my efforts to obtain it, Credit Acceptance has not cooperated.

I kindly request your assistance in ensuring that Credit Acceptance provides the requested document and addresses this issue promptly.

Thank you for your attention and assistance.
Consumer complaint received 2022-08-08
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, and XXXX XXXX acct # 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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I tried to buy a car but every time the dealership checked my credit, they got a XXXX so when I called Equifax, they said my credit was XXXX. When checking my credit, I got XXXX, I even got a report from " https : //www.annualcreditreport.com/ '' that my credit is XXXX. 

So, this morning I saw this on the news. Https : XXXX that " Equifax miscalculated the credit scores of thousands of consumers. Some people may have received a different credit decision due to the coding error. 

please i am an active member i am buying this car i can't qualify.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have reached out numerous times to Experian to have XXXX XXXX XXXXXXXX XXXX XXXX XXXX removed from my report, to no avail. XXXX and XXXX have removed the address. I live in the state of XXXX  and have provided my updated address information. I am not at that address and would like to prevent identity theft with credit card offers & etc. still going to that address. I have reached out to the creditors as advised and the supervisors they can't update my address on closed accounts. I contacted the creditors for the open accounts and they have been updated with my XXXX  address with the creditors.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.