davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (PA)

In the year of XXXX I was working XXXX jobs to go to school and try to keep a roof over my head as we had just moved in our hruome in XXXX and my husband was alive at that time. My husband died on XXXX XXXX, XXXX and I had all the responsibilities of maintaining my home, paying all the bills and attempting to complete my college education so I could get better employment or go into business for myself. I got hurt on my job at XXXX and could no longer work XXXX jobs and tried to work at my XXXX job. Because my injuries were as such I could no XXXX and my supervisor refused to reassign me to XXXX floor my doctor recommended I leave this type of employment which was hindering my healing of my injuries and my financial problem worsened, my home went into foreclosure and my bills became behind while my medical bills increased in costs and my health worsened. I could no longer pay my students loans in a timely manner. I graduated on a XXXX at age XXXX and have not held a regular job since. I am now on a XXXX at age XXXX and can not work any where due to the recent stay at the XXXX XXXX and was recommended I go to XXXX, My XXXX doctor completed the required forms three time and I was sent another letter for him to complete ( see attachment ) which he is willing to do. Meanwhile I am getting repeated calls from various school loans creditors to bring my school loan account up-to-date. I can barely purchase food, my medication or pay my bills since I can not work. I was told by the Department of Education that a letter was sent on XXXX XXXX, XXXX to make the school loan creditors aware not to continuously call me as they were reviewing my eligibility for XXXX status. I told the school loan creditors this fact and they told me " I am not aware of this letter! '' The calls are still coming at a greater rate than before I was told it was sent. I was in the XXXX XXXX on XXXX XXXX, XXXX until XXXX XXXX, XXXX with XXXX XXXX XXXX of XXXX, I am now on a XXXX from the XXXX telephone calls regarding my inability to pay my student loan as much as I would like too work again and pay all of my bills.
Consumer complaint received 2023-05-31
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)

I recently reviewed a copy of my credit report and to my surprise there are several accounts on my credit report that don't belong to me. I have never applied for these accounts, I never used these accounts and, I never received any benefits or goods from these accounts. The accounts listed below are all a result of identity theft. 

XXXX XXXX XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, Bal : {$500.00}, XXXX XXXX XXXX XXXX XXXX, SD XXXX, XXXX XXXX, Email add : XXXX - XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, Bal : {$65000.00}, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, Email add : XXXX XXXX XXXX XXXX XXXX acct # XXXX, Date open XXXX, Bal : $ XXXX XXXX XXXX, IL XXXX XXXX XXXX, Email Add : XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX acct # XXXX, Date open XX/XX/XXXX, Bal : {$67000.00}, XXXX XXXX XXXX XXXX XXXX, TX XXXX, -XXXX XXXX XXXX XXXX, acct # XXXX, Date open XX/XX/XXXX, XXXX : {$5000.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX, Email Add : XXXX -XXXX XXXX  XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$35000.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, Email add : XXXX - XXXX XXXX  XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX, Email add : XXXX -XXXX  acct # XXXX, Date open XX/XX/XXXX, XXXX : {$1400.00}, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXX -XXXX XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$2800.00}, XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, Email add : XXXX XXXX XXXX XXXX, acct XXXX XXXX XXXX Date open XX/XX/XXXX, XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, acct XXXX XXXX, Date open XX/XX/XXXX, XXXX : {$2500.00}, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXX Date open XX/XX/XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Email Add : XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$75000.00}, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX Email add : XXXX Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/2023 Ive called ( XXXX ) credit reporting agency.. well as ( XXXX ) credit reporting agency well as ( transUnion ) credit reporting agency Ive sent my drivers license social security card a bill from my home.. I cant see my credit score at all I been paying ( XXXX  ) for there services..they didnt update my credit score at all..Im trying to get ( apartment )..
Consumer complaint received 2023-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation (CT)

In XXXX I purchased my home with the no money down programs offered. The XXXX mortgage was to pay the downpayment, closing fee etc. Once my house value dropped and the 1st mortgage interest rate became ridiculously high, I filed for bankruptcy and was able to negotiate a fixed rate and affordable payments with the first mortgage and the first mortgage forgave {$80000.00} of principal on my mortgage making my payments and new mortgage amount affordable. The second mortgage disappeared and I thought it was dismissed by bankruptcy. Then 10 years letter ( XXXX XXXX  ) In XXXX I received a mortgage bill from Franklin Credit Management Corporation who purchased my original second mortgage and the now how a lien and are sending bills. I contacted Franklin Credit to request a modification and I was denied. The original XXXX mortgage in XXXX was for the amount of XXXX with an interest rate of 11.70 %. Franklin Credit has sent me a bill for {$160000.00} to reinstate the loan.
Consumer complaint received 2017-02-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

I am a trustee for my friend 's son. He decided to move XXXX miles away. I went to Wells Fargo bank ( XXXX XXXX, NJ branch ) where I deposited {$500.00} cash and a check for {$1500.00} into his account on XXXX/XXXX/2017. The receipt documented the cash would be available on the same day and the {$1500.00} from the check would be available on XXXX/XXXX/2017. About 3 hours later he got to the airport and his debit card was declined. He called Wells Fargo and they claimed there was a computer outage across the XXXX XXXX and they were working on it. About an hour later the {$500.00} became available. He called the bank after the XXXX/XXXX/2017 date on XXXX different days because the {$1500.00} did not clear. He was told the Trust Account was holding up the approval of the funds. I contacted the Trust account on XXXX/XXXX/2017 and was told the {$1500.00} was cleared on XXXX/XXXX/2017. I then called the main Wells Fargo number on XXXX/XXXX/2017 and asked why the deposit was being held up. I was told a second hold was placed on the check on XXXX/XXXX/2017 and it would not be released until XXXX/XXXX/2017. They would not provide an honest answer as to why the funds were held up AFTER already being released by the Trust account. Meanwhile my friend 's son had no money for food, to secure housing, for hotels etc. I asked to speak with a manager or someone who could assist me and they refused and said no one can help me to release the funds sooner and it would have to wait until XXXX/XXXX/2017 when the hold would expire.
Consumer complaint received 2023-05-28
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. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX/DEPT OF ED , has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF EDXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-28
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. (FL)

My first round of disputes started at the beginning of XXXX. Everything I disputed came back verified and updated however my second round started at the beginning of XXXX. But I noticed there was a lot of incorrect information so my second round was more about getting all the incorrect information removed. I have the results saying that the addresses and other incorrect information have been removed but all of the items that's attached to those incorrect addresses and names and information is still reporting on my credit report. I have not submitted my third round yet because I don't want them to just say they updated it. Multiple inaccuracies across all XXXX bureaus
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc. (FL)

On XX/XX/2016 I began the process to refinance through " eLend '' and signed the initial mortgage disclosure package. I agreed to a XXXX year loan fixed rate of XXXX %. I provided all requested documents in an expeditious manner and satisfied all requests from the lender to include an appraisal they directed me to use. On XX/XX/2016 I received an email from processor XXXX indicating my loan has been conditionally approved and the rate lock of XXXX % would be expiring on XX/XX/2016. In addition the email requested documents within XXXX hours. I immediately sent all requested documents, satisfying the request and sent an email to XXXX indicating the documents were sent. I did not receive a response until after the rate expired on XX/XX/2016. I was informed the rate would be extended. After several attempts to contact XXXX to once again check on the status of my loan, I received an email indicating the rate lock had expired again on XX/XX/2016. I spoke to origination XXXX XXXX and explained I have sent all requested documents and did everything on my part to satisfy the loan, but " eLend '' has allowed the rate to expire twice. XXXX apologized, but said the best they could do was increase the rate to XXXX % and charge me fees. I pleaded my case once again and XXXX called back explaining he would waive the fees, however could not give me the original rate of XXXX % even though it was " elend 's '' fault for the rate expiration. As a result, I have lost credits paid towards closing costs and have an increased rate due to elend 's lack of ability to process a loan.
Consumer complaint received 2023-05-28
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: Experian Information Solutions Inc. (GA)

This is account advises that I opened XX/XX/2023. I've sent credit reporting letter from 3rd party to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of XX/XX/2023.
Consumer complaint received 2023-05-28
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: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2015-08-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (AZ)

I had an auto loan pay off with Wells Fargo and that was paid in full over almost XXXX months ago. Wells Fargo the month I paid off the vehicle auto payment still came out. I called in and they were polite and said they 'll mail back a check should be there within XXXX business days. No check here, I called back XXXX business days later and they apologized and said they just mailed out the check and it would take another XXXX business days to get to me. XXXX business days later again, still no check, I called and I find out that the previous rep mailed the check to the wrong address despite me confirming my home address. The representative this time informs me that they 'll directly deposit the funds into my account now within XXXX business days. XXXX business days later, still no money! I call and ask why the funds are not deposited into my Wells Fargo account and they do n't have an answer for me. I request to speak to a supervisor and the supervisor could n't answer any of my questions and did n't seem interested in helping me but getting off since I know it was the right as their offices close. I requested a follow up call back from the supervisor on Monday to give me a status update. No phone call and still no money!!!!! Wells Fargo keeps dodging my phone calls and questions and two months now and they still have n't gotten my check back to me. 
It 's funny that Wells Fargo will charge me a large late fee if late paying them but there is no late fee for them returning your own money even when its two months late now.
Consumer complaint received 2016-07-30
Product: Credit card — 
Issue: Sale of account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit card account was transferred with no notification from FIA Card Services to XXXX XXXX. I received no notification of this other than receiving a new credit card in the mail. Both the old and new cards have Fidelity Investments printed on the front. The only notification of XXXX XXXX is in tiny print in the bottom left corner on the back of the new card. The new card has a chip so I believed this was just a replacement card for the new chip technology. However, my old credit card was actually canceled when the new card was activated. This caused several scheduled payments to fail. I 'm also not able to log into my old account online. When calling the customer service number for FIA Card Services, a recording states " As a reminder, your account is now being serviced by XXXX XXXX. '' This is NOT a reminder, as I was never notified of the change. FIA Card Services failed their customers in not giving them adequate notification of this change so they could take appropriate action to avoid having the surprise, hassle and cost of failed payments. The CFPB needs to investigate and potentially fine both FIA and XXXX over this consumer fraud.
Consumer complaint received 2023-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (GA)

This medical account was opened on XX/XX/2017 and I've reached out to the company due to hardship. I've sent letters through 3rd party service to get issue resolved with fees assessed to my account as I've received no response. At this time I'm disputing to have the collection agency remove from my credit file as I didn't authorize nor give any permission to report on my credit report.
Consumer complaint received 2023-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

2nd Complaint For Filing a XXXX against TransUnion! There is a XXXX late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the XXXX XXXX XXXX XXXX XXXX of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my XXXX Report. Thanking you in advance for your cooperation.
Consumer complaint received 2023-05-28
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. (CA)

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 : 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 XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX 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 2016-09-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Started in XXXX when I purchased my XXXX home. In late XXXX XXXX I lost my job. I made every attempt to get help with my mortgage from Bank of America with no luck. XXXX I filed for bankruptcy in attempt to get out from under the house. It was discharged early in XXXX. Late in XXXX Bank of America took possession of the house with no notice or warning and did not foreclose on the property. I thought this was a normal course of action as this was my XXXX home and bankruptcy. Fast forward to late XXXX I am served with a summons to appear in court for HOA Fees on the home that I had n't been in for over 4 years. I tell the HOA there must be some mistake since the bank owns the home. They said contact the bank. I contact Bank of America and they apologize for locking me out and provide the key code so that I can move back in. They say that they will work with me to modify the mortgage after I move back into the property. Once I moved into the property they served me with foreclosure paperwork. At the mediation I asked for modification, cash for keys, or deed in lieu. They denied all of those things. They continually give me the run around. 
I forgot to mention that not long before the lock out there was a tornado in my area that caused damage to the roof and siding. My insurance cut a check but I never got the repairs since I was locked out. Now I ca n't get insurance on the property until the repairs are made and the insurance will not cut another check. Also, under Bank of Americas watch several pipes burst and caused damage to the home and possible mold. 
So now I have this house in my name that I ca n't do anything with and is causing me more and more money at every turn. I ca n't sell it due to the HOA liens that BOA refuses to help with.