davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (SC)

In XXXX, My parents and I had to apply for a private loan because my older brother and mother used up federal funds and/or they made too much money. I have just over 30k in a private student loan with Sallie Mae. I attended my college through summer of XXXX, paying out of pocket for the summer classes. I had every intention of returning to XXXX  to finish my degree once I was able to get my issues worked out. I was not working or barely working because my parents moved out of state ( far ) and in the country where jobs are limited. I had my loans on deferment for as long as they allowed. I was not unable to return to XXXX because they closed. My credits were not transferable and I had only finished my freshman year of college. I have tried to make arrangements with the loan servicer but every time I call they will not help me at all. I know that if a school closes, federal loans can be forgiven if you apply but my private servicer will not help me in any way. I went back to school for a bit but found an opportunity in skilled trades. I am just starting out and had to move for this job. I bought a townhouse, have a car payment, utilities, credit card payment, gas, food, a dog ( food, medical care ), etc and I live alone but am searching for a roommate unsuccessfully. I am unable to make {$400.00} plus payments a month and survive much less live. Also, I am behind 2 payments currently and my parents are co-signers and are not in a position to help me financially but it is also affecting their credit negatively. Please help.
Consumer complaint received 2023-07-21
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)

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.

has violated my rights. Or list of inquiries 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 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

Hello I am hoping someone can help me with the problems I have been having with Rushmore Loan Management Services. They have been servicing the loan since XX/XX/XXXX and it has went down hill from there. I have received incorrect fee 's, modified payments, they have forced hazard insurance when I have homeowners insurance that is included in my monthly payments but their letter stated my homeowners insurance sent a letter of cancelation for nonpayment. I have been financially affected by Covid-19 and spoke with them several times with no luck for them calling me back or sending me any information in a timely manor. Finally on XX/XX/XXXX I spoke to a young lady about a repayment plan that would extend over the next 12 months that would be affordable so XXXX I would start making those payments. I also asked her if I was in Foreclosure status and she stated that no I was not. I was so relieved, but then comes XX/XX/XXXX and I get a letter stating that my home is in foreclosure status and I could not understand why when I had just spoken to someone for payment arrangements and didn't even receive my paperwork to send anything in for a possible Modification on my Mortgage yet .... Not to mention I had made my payment in XX/XX/XXXX and they are stating that I didn't so my mortgage wasn't even 120 days late. Even after all this back and fourth I would not get the packets I was told they would be sending or they would not respond to the Modifications packet or state that they needed more time. 

Miscommunication between the lender Predatory tactics ; Failure to give the proper notices ; Failure to accelerate ; and Misapplication of payments. 

Then they placed me in an impossible situation that was unaffordable making me put {$2500.00} down to save my mortgage from foreclosure on XXXX XXXX and pay {$2200.00} starting XX/XX/XXXX which I couldn't afford that was more than double my payments every month. They stated that they couldn't stretch my payments for 12 months but 2 other representatives stated that they could so I was late for the XXXX payment and they sent a notice stating that I was late and then the only reason that I knew my home was sold at a sheriff sale was because a realtor came to my home offering to help me sell it in the redemption period. 1. more thing about not receiving the notices from them they only sent these notices that I have now XX/XX/XXXX and I didn't receive some of these notices at all prior to XX/XX/XXXX.
Consumer complaint received 2023-07-21
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. (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 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding XXXX XXXX XXXX XXXX, SC XXXX Account # XXXX XXXX XXXX XXXX This account was originally XXXX XXXX XXXX XXXX and is over XXXX XXXX XXXX. After I explained my permanent hardships to them my account was charged off, closed and removed from my credit report XX/XX/2023. LVNV bought this account XX/XX/2023 and put it on my credit report with no supporting documents sent to me. I had no knowledge of this until it appeared on my credit report XXXX of 2023. I have messaged this company twice on their website and have also called them to no avail.I have never received a bill, itemized statement, notice or phone call about this debt. It is so unfair for them to put this on my credit but have absolutely no correspondence with me at all. Also details about my account on my credit report are missing. No data available till XX/XX/2023. There is nothing more I can do with this matter. I live on SSDI benefits only. There is no other means of income.
Consumer complaint received 2023-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

In 2021 I did forbearance with Wells Fargo mgt company. I received a grant that paid majority of the forbearance amount off. I was told that it would not go on my credit report as being a late payment however I just found out Wells Fargo reported the forbearance as late payments and it has impacted negatively on my credit report. Also Wells Fargo told me the forbearance would go on the end of my mgt but they modified my mgt loan.
Consumer complaint received 2023-05-29
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. (KY)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

My loan is XXXX XXXX XXXX on XX/XX/2023. 
I reached out to US Bank on XX/XX/2023 to request for PMI removal. US Bank took the {$190.00} fee that day. And I expected a call from a realtor for a BPO as I chose to do it based on current valuation. 
However, I did not hear from anyone so I called US Bank to follow up on XX/XX/2023. 
At first, they told me they rejected the request and returned me the {$190.00} because it should be {$410.00} for an appraisal. I told them that is wrong because US Bank puts in writing that it would be a BPO ( Broker price opinion ) and not an appraisal. 
The staff changes to another reason that my loan balance does not meet the XXXX based on origination value. I told them that is wrong because I specially requested the removal based on current valuation, hence I paid the {$190.00}. 
The staff then changes again to another reason that I did not meet the substantial improvement dollar value that XXXX XXXX requested for the loan that is less than XXXX XXXX XXXX. They said XXXX XXXX requires me to spend {$45000.00} substantial improvement ( 10 % of my original valuation ) and I have only spent {$10000.00} that can be counted towards substantial improvement. I told them that is wrong because the XXXX pages XXXX XXXX guideline does not have a dollar value or % that I must spend on substantial improvement. I asked for the proof. She then transferred me to someone from the mortgage removal department and that someone told me she would get her boss to call me. No one called me. 


I called again the following week and now they said to receive the proof, I need to put in the request and they would send it by email and mail by the end of business day of XX/XX/2023. 

Nothing is received so far. I called again today on XX/XX/2023 and they told me that they mailed out a letter yesterday and I would receive it within 10 days. 

This is their sneaky way so that I will not be able to do the removal by my mortgage 2 year anniversary ( XX/XX/2023 ). And they keep telling me that I can do it after the 2 years so I can get away from the substantial improvement. However, after the 2 years, XXXX XXXX will require 75 % XXXX ( instead of 80 % before XX/XX/2023 ). This is how US Bank cheated us consumers to continue to pay the private mortgage insurance even though we might be qualified to have it removed. No where in the guideline XXXX XXXX requires such dollars but US Bank tries to use such wording to shut people up.
Consumer complaint received 2023-07-21
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. (LA)

In accordance with the fair credit reporting act, my rights have been violated. 15 use 1681 section 602 a : I have the right to privacy 15 use 1681 section 604 a section 2 : A consumer credit reporting agency can not furnish my account without my written instruction XX/XX/XXXX {$140.00} XXXX XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX department of education XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$2600.00} department of education XXXX XX/XX/XXXX {$4700.00} department of education XXXX XX/XX/XXXX {$3100.00} department of education XXXX XX/XX/XXXX {$3900.00} department of education XXXX XX/XX/XXXX {$4800.00} department of education XXXX XX/XX/XXXX {$8400.00} department of education XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$870.00} XXXX XXXX {$2300.00} {$2600.00} XXXX
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'm on XXXX XXXX. Edd pays me thru a prepaid card thru Bank of America. Due to my XXXX and not having my normal salary I saved the deposits made on the card so that I could pay my rent XX/XX/XXXX and avoid eviction. On Saturday XX/XX/XXXX when I checked my balance I noticed all of my money was gone. I immediately froze the card and contacted Bank of America to have a fraud dispute opened up in the amount of {$2800.00}. After 4 days Bank of America denied my claim. This was wrong so I requested to speak with a manager who re submitted my claim for re consideration and I provided a police report to show I've had issues with identity theft due to my purse being stolen and they requested a picture of me which I also provided. To day I've heard nothing back and after XXXX XXXX my minor child and I will be evicted. This is not right Here is a copy of my claim : Claim Number : XXXX WEVE RECEIVED YOUR CLAIM This notice is provided to you as the named account holder for a prepaid debit card issued by Bank of America , N.A . ( " we '' or " us '' ). 

We've received your transaction dispute claim. 

We'll notify you by mail about your claim status once we've completed our review of the disputed transaction or transaction ( s ). 

Please review the claim details below. If the information is incorrect or doesn't match your request, call us immediately at XXXX. Representatives are available 24 hours a day, 7 days a week. 

Claim Summary Account Ending In : XXXX Disputed transaction ( s ) : 4 Total claim amount : {$2800.00} Transaction Details XX/XX/XXXX BANK OF AMERICA {$1000.00} XX/XX/XXXX BANK OF AMERICA {$680.00} XX/XX/XXXX BANK OF AMERICA {$160.00} XX/XX/XXXX BANK OF AMERICA {$960.00}
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC (MS)

XXXX Bank Bank hired Lloyd & McDaniel , PLC to collect on a debt allegedly owed by a Mississippi resident. Lloyd & McDaniel , PLC became an agent and third party vendor of XXXX Bank at that time. XXXX XXXX XXXX is a XXXX law firm with no physical office in Mississippi. XXXX XXXX XXXX issued form letters, which were not signed by an attorney and/or anyone in the XXXX. This practice likely results from no attorney review and/or oversight prior to the form correspondence being sent. This suspicion is supported by the fact that numbers and/or amount owed and/or settlement offers varied up and down depending upon them being sent via form correspondence or later in the case by email from an actual attorney. XXXX XXXX XXXX failed to issue the required validation notice. XXXX XXXX XXXX filed a one-page form Complaint, which was deficient as it failed to incorporate necessary attachments. When the deficiency was pointed out, XXXX XXXX XXXX continued to push for a default judgment instead of amending and correcting the Complaint. At hearing, XXXX XXXX XXXX hired local counsel, who stated to the XXXX he did not have settlement authority. Upon information and belief, XXXX XXXX XXXX does not ever attend hearings- they practice in Mississippi via remote representation using local attorneys who are not given settlement authority. When XXXX XXXX XXXX 's failure to send the required validation notice was raised, XXXX XXXX XXXX did not provide a copy of the notice but continued using the XXXX system to try to obtain default and/or summary judgment - all while the original Complaint remains deficient and never amended. This action supports the XXXX 's failure to have timely sent the letter ( otherwise, why not simply provide a copy? ). XXXX XXXX XXXX 's use of form letters, form pleadings, and bullying tactics to obtain default and/or summary judgment through remote representation is tantamount to abuse of process. XXXX XXXX XXXX 's actions and/or inactions since being hired by XXXX Bank are collectively illegal collection practices geared towards obtaining the highest number of default judgments with the highest balance possible but with the least amount of work per case. XXXX XXXX XXXX 's actions and/or inactions since being hired by XXXX Bank are unfair, deceptive, and abusive. XXXX XXXX XXXX 's actions and/or inactions since being hired by XXXX Bank are designed to confuse the least sophisticated consumer, including many consumers who are unable to hire counsel to represent them. It is probable that the form correspondence and pleadings being used by XXXX XXXX XXXX are being used across Mississippi and Kentucky against unbanked consumers who ( i ) can not afford representation, ( ii ) would not realize what the validation requirement is, ( iii ) and/or recognize a deficient Complaint. XXXX Bank is responsible for XXXX XXXX XXXX 's actions and/or inactions as XXXX & XXXX XXXX XXXX Bank XXXX XXXX and third-party vendor.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

I suddenly got a late payment delinquency report made by Discover Bank from my credit bureau -XXXX , in the first week of XXXX. I called Discover Bank, right away and upon checking they apologised to me, and I was told that if I make the outstanding payment of {$220.00} ; the late payment report will be removed, and that I should dispute it with XXXX  so that they can support it as well. But the agent I spoke to lied to me. 
When I reported this, they reported back to XXXX  that the report was valid. This is why I am now making this complaint. 

I was pretty much shocked and found it unbelievable because to my knowledge I had set up a payment plan with them not too long ago when I had called about the impact of the pandemic and the need to have my interest rates reduced. The outcome of that call about two months ago was that they told me there was a pandemic hardship program that will help to alleviate that problem. 

But, from what I can gather, they were more interested in getting me to delinquency, because in the next billing cycle, they just suddenly report me delinquent with no credible explanation. 
This action had also damaged my credit report thus making me further unable to make payments or get loans. As a direct result of this problem, they caused my APR to rise to over 15 percent when trying to get a loan, something that used to be around 6 percent before the incident. Thus, the damage that Discover Bank had created is insurmountable. 

When this was happening, I also experienced a cyberattack against my accounts where some random payments are being transferred around and this Discover Bank situation is therefore also suspicious because it was as if someone was attempting to deplete my accounts of funds. 
So, I find it hard to believe that this payment issue is a random issue ; because ( s attached ) I have never had a late payment before. And then right in the middle of a pandemic, all of a sudden in XXXX, I get a hasty report of delinquency? Really? 
No, something is definitely fishy about this.
Consumer complaint received 2023-06-02
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. (NJ)

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. I told Experian to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 

ALSO THEY ARENT EVEN IN COMPLIANCE WITH METRO 2 CREDIT  REPORTING. 

I have evidence to prove my case.
Consumer complaint received 2023-06-05
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: Avant Holding Company, Inc. (CO)

I have 2 issues going on. I have been a victim of identity theft. I have filed FTC report and the 2 Companies will not remove these 1. XXXX XXXX I sent credit places the police report and FTC report on file 2. Avant Bank was opened fraudulent and was open without my permission. A FTC report was filed as Well I have alerts now on all 3 credit reports and I want this off my credit
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Comerica (NY)

I lost my direct deposit to my bank card while my taxes and stimulus check was processing so it can come to me though direct deposit this year for my check in the month of XXXX being transferred over to my bank the check never made it to my new card before the check was ready to sent I been change my debit card to a new same bank but different debit card number. and told them to send it to my new care I updated with the third party I did my taxes with and file with and get my money included my 4th stimulus check but it was stolen and misent to the old card which was stolen and lost wit another person that had it I called direct express and told them to investigate they didnt but issued me a new cared that the stimulus check is going go to but it never came on to my new card I updated wit XXXX  XXXX thats the party I did my 2021 taxes wit the 4th stimulus of the amount of XXXX $ Stimulus check wit my taxes I need a refunded check sented do my current and living mailing address.
Consumer complaint received 2023-06-03
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. (MI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.