davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DE)

When Covid hit back in 2020 we were not able to afford our mortgage and we were put into forbearance with Wells Fargo. After two years they reached out asking if we were able to make payments again to which I said yes. It was then that they suggested that I apply for loan modification as it could put me in a better position with monthly payments and get me back on track. I agreed and begin the application process with them. After four different attempts with them, they kept restarting the process because they would lose documents and say that they didnt have enough information and make me start the process over again. This went on for about a year and Ive still been trying to get into a loan modification, and now they are telling me that I am denied because my loan is too far in default that the payments would be too high. The only reason that the payments would be too high is because theyve had me trapped in this loan modification application process for a year while offering me no other alternative to resolve the matter. Now they are telling me my only option is a short sale when from the beginning I was never trying to go that route. I was trying to work this out with them for over a year and have hundreds of documented conversations and emails with them about this. They are now telling me I either need to pay {$71000.00} or short sale my home. None of those are options I wanted or planned for or have been working with them diligently for a year. Please help stop this madness with Wells Fargo and allowing them to take advantage and do this to people, and leave them in bad positions.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (CO)

I have gone from a XXXX credit score to a XXXX and still am unable to get approved for any type of credit. I even have an XXXX that was formed XX/XX/2023 that Im unable to get any form of financing for all based on my XXXX and clarity by XXXX providing misleading information to myself and the potential lender. I feel that I am being discriminated against by not being able to qualify for any form of financial help when I have shown 2 years of on time payment history and XXXX collections or delinquent accounts.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX. I would like to request a copy of my consumer file and report from all 3 credit reporting agencies. I attempted to request online but the page will not load.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance {$12000.00}
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On or about XXXX of 2023 I noticed accounts showing up in my credit report. I did an investigation, and found that my identity was stolen and used fraudulently to open various accounts in my name. XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have my police report and copies of my identity proving who I am and were I reside. I'm trying to buy my first home and it has been a up hill battle. 
Thank you for your time Sir/Madam
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This address is incorrect reporting on transunion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is not accurate. I have had it removed from XXXX and XXXX  because they agreed that it was inaccurate. I have also filed a report on identity theft.gov. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately.
Consumer complaint received 2015-10-23
Product: Other financial service — Debt settlement
Issue: Unexpected/Other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (LA)

This company has a problem telling the true with their debt settlement program. When I signed up XXXX, I thought they was handling my settlement program. I was told there will be no additional fees for service and they will contact my creditors to handle the proposal. However, this was a lie. 
They have another party Global Client Solutions XXXX and UCAN involved and they are the unprofessional and rudeness people to deal with. Refuse to call back, refuse to talk with the creditors on a proposal and lied about what is available since they are also taking fees that I was told at the beginning will not occurred. 
Today I talked with a supervisor XXXX and he was rude and told him I do not like the wait he was talking and gave me a very caustic answer.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Per the FCRA as a Federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written or non written verbal or non verbal I am now resending that authorization via 15 U.S code 6802 effective immediately and indefinitely. The law states that I have the right to opt out of anything being reported on my credit report. XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX XXXX  I would like to opt out of all these being reported on my credit report. I expect prompt compliance with this request and confirmation of the opt out within 30days. failure to comply with this request may result in further action being taken to protect my rights under the law.
Consumer complaint received 2016-03-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

NATIONSTAR MORTGAGE LLC 'S PRETENSE IS FINALLY EXPOSED -- - PURPORTS TO HAVE TAKEN OVER THE SERVICING OF OUR MORTGAGE LOAN FROM AURORA LOAN SERVICE IN XX/XX/XXXX -- -YET, XXXX INVESTIGATION IN XX/XX/XXXX REVEALED THAT AURORA ACCOUNT DID NOT EXIST. HENCE, ITS DELETION FROM XXXX XXXX 'S CREDIT REPORT. CORRESPONDINGLY, A SUBSEQUENT INVESTIGATION OF NATIONSTAR 'S ACCOUNT IN XXXX XXXX BY XXXX REVEALED THAT IT IS ALSO NON-EXISTENT. PLEASE SEE DELETED ACCOUNT OF NATIONSTAR FROM XXXX XXXX 'S CREDIT REPORT. 

THIS ALLEGED ACCOUNT ( NATIONSTAR ) - IS THE BASIS OF THE UPCOMING TRUSTEE SALE OF OUR HOME TWO WEEKS FROM NOW - XXXX XXXX, XXXX ( REFERENCE CFPB CASE XXXX NATIONSTAR ; XXXX XXXX, AND XXXX XXXX XXXX XXXX -- - XXXX ENTITIES IN CONNIVANCE TO STEAL OUR HOME.. ) WITHOUT A LEGALLY EXISTING ACCOUNT AS BASIS FOR THE NOTICE OF DEFAULT - IS IT LAWFUL FOR NATIONSTAR-XXXX TO SELL OUR HOME IN FORECLOSURE AUCTION? 

THANK YOU FOR YOUR URGENT HELP AND INVESTIGATION.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

These are my repeated attempts to convey that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my documents resulting from this crime. These entries have no connection to any transactions I've initiated or approved for acquiring goods, services, or money. If there's indifference, I request the removal of any information related to alleged fraud or extortion from my credit record. 
XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

In XXXX, I XXXX XXXX entered Into a consumer credit transaction XX/XX/, Chase Bank which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692XXXX, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this XXXX XXXX has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my invoice and my license.
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO. (LA)

I was told two days ago by Chase that there was no way the repo man from the previous dispute could get into my wifes car which was locked when he repossessed it. He did and thats what triggered the theft alert on the car. While the vehicle was at the repo yard, my wife received the same alert. When I got there to see if someone was tampering with the vehicle, the alarm was indeed going off. I silenced it with the key and not five minutes later the alarm went off again. He had forced his way into the vehicle and he was under the hood of the car this time and opening multiple doors. The manager from Chase stated that there is no way he could have opened the door but he was able to when I seen him with my own two eyes. Also, I was told today that on the bottom of the notice of sale that Chase sent me only means they can charge the full balance of the loan once its defaulted. The phrase at the bottom does not mean they have the option to reinstate or work with a consumer to get the loan reactivated. Which is false advertising. Also, there were no documents filed regarding the repo according to LA state laws in the Administrative process. Chase is breaking multiple consumer laws. This has been a nightmare. This can not be legal.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$9300.00}
Consumer complaint received 2020-02-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (IN)

There appears to be a discrepancy of the amount I show I've paid and the amount the bank claims I still owe for my vehicle. I've included the communication with the bank and despite my efforts to resolve this issue the bank states that they will repossess my vehicle unless I pay what they show even though they've not provided a breakdown vs. the breakdown I show.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act TRANSUNION-ACCOUNT # XXXX XXXX XXXX XXXX has violated my rights on XX/XX/2023 for {$720.00} 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 an account without my written instruction so therefore I need these accounts removed immediately In accordance with the Fair Credit Reporting Act TRANSUNION -ACCOUNT # XXXX XXXX XXXX XXXX XXXX has violated my rights on XX/XX/2023 for {$2300.00} 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 an account without my written instruction so therefore I need these accounts removed immediately
Consumer complaint received 2023-04-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

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 2024-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

This is my second letter to you about Mohela. 

On XX/XX/XXXX, I called Mohela and spoke with XXXX. I told XXXX all of the dates, names of customer representatives, and what was discussed during each call. I explained that I received a letter from Mohela dated XX/XX/XXXX. It stated that it was a message from a debt collector, and was an attempt to collect a debt. Also, when I called the number on the letter and punched in my information before being transferred to a representative, the recording stated it was to collect a debt. 
XXXX told me my account was not in collection.I explained the letter I received and the recording. She said I was not in collection. I don't know who or what to believe when dealing with Mohela. 
I explained again how I can not afford to pay and asked for a forbearance. She processed a forbearance which ends on XX/XX/XXXX. 
When I explained how I filed paperwork on XX/XX/XXXX for a Mandatory forbearance and when I called on XX/XX/XXXX, I was told paperwork was missing and I had to refile with additional paperwork.I did so on XX/XX/XXXX and was told it would take XXXX business days. 
XXXX then proceeded to tell me that 78 days was no longer the case and I would need to wait 108 days from XX/XX/XXXX for an answer. 
Again I told her there was no way I could pay because my monthly income is approximately $ XXXXThe phone was silent and I asked if there was anything she could recommend - the phone went silent!!!
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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
Consumer complaint received 2024-05-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (FL)

I received a letter from Department of education XX/XX/XXXX that stated my loans that were included in the XXXXXXXX XXXX XXXXXXXX a would be discharged within 90 days. I have called Mohela/Dept of Education several times and the first time was told the loans would be removed in XX/XX/XXXX it never happened. I was then told they would be removed XX/XX/XXXX and that never happened. 

Sometime in XXXX the loans were removed only to be placed back as a new account and lowering my credit by almost XXXX points. 

The account was then marked as closed again sometime in XX/XX/XXXX and then placed back on my credit as a new debt on XX/XX/XXXX lowering my credit by an additional XXXX points. MOHELA/DEPT OF ED has continued to destroy my credit the last 12 months for loans that were suppose to be discharged over a year ago. I continue to get different answers about discharge status and what is going on. 

I do not think MOHELA/DEPT OF ED has the right to keep effecting my credit closing the account and opening it as a new debt over and over again.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (NC)

I have been trying to work with XXXX XXXX for over ( 3 ). 
I have spoken to several XXXX XXXX, Supervisors concerning this matter. I have attempted to set to their billing department from the beginning because the initial credit amount issued was more but, I only used what was needed and per their policy after 48 hours any unused credit would be removed and I would only be responsible for the amount I charged. One major component of this promotion was the offer 36 months No Interested if you paid of the debt with 12 months. I paid off the debt in 10 months. My Last payment to them was on XX/XX/XXXX for the total of {$1000.00}. When I paid that account through my check and cleared I call them and they stated the credit report would be updated and no interested would be charged. Now they are continuing not updating my credit to reflect non payment which is negatively affecting my ability to maintain good credit. Now they refuse to talk to me and just hang up. 
This is the account information : XXXX XXXX Account # : XXXX Past Due Amount : {$0.00} Due Date : XX/XX/XXXX Your assistance would be greatly appreciate it resolution on this matter.