davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC. (FL)

Lender refused to email me the lien letter and XXXX unless I call them, requested a copy of the contract which they email me, after several attempts from XXXX XXXX XXXX which they refused to email me the contract and identifying myself to the dealer by email, they never sent me the information requested ( vehicle contract ) I had to travel to the dealer to get a copy and after reviewing the contract I realized some signatures were not mine to add they didn't even have a copy of my Drivers license. the vehicle in question was reported stolen and a certified letter to release to the vehicle, at such time they claimed the vehicle was given to a person who's driver license was expired who had an accident and the vehicle was towed to a body shop.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to request the removal of the following information from my credit report, which has resulted from identity theft. The items I need to be deleted are detailed in the accompanying report.

As a victim of identity theft, I did not authorize nor make the charges in question. I ask that the items be deleted to correct my credit report.

I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for your reference. Please remove items promptly.
Consumer complaint received 2024-05-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I am writing to be a part of the Navient School Misconduct discharge application. I currently have some loans, some of which have a predatory interest rate, to some schools that were listed in the XXXX v XXXX lawsuit. While I understand these are private loans, the fact that the Courts have ruled that these schools are predatory enough to have my public loans forgiven, I feel the private ones should fall in line as well. 
Loan 1 is in the amount of {$1400.00} principal and I have paid over XXXX in interest. 

The other loan was originally for XXXX, and I have paid XXXX in interest. This is predatory.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

My Name is XXXX XXXX, I making a complaint today regarding my student loan servicer-Nelnet. My loans were transferred to them from Greatlakes, Nelnet is trying to prevent me from getting the student loan debt forgiveness. They told me they didn't have my Greatlakes payment history which the do they blocked it from the website so I could nolonger access it... they are also telling me it will to XXXX months to be switched to the save plan. I'm an XXXX student with XXXX kids, my loans have been in repayment since XXXX I was able to see how many accountable payments there were at one point on Nelnets website, now I can only see the remaining payments. I have reached to them numerous times and Have gotten nowhere, my original principal balance was XXXX with all the interest my bal is XXXX. I was young when I signed up at XXXX XXXX XXXX XXXX XXXX XXXX, had family issues wasn't able to attend as much I asked if I could withdraw they told me I could but didn't mention that I would have a Balance. I need help. I'm now XXXX XXXX kids, XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX and a XXXX XXXX XXXX. Single mom just trying to take care of my kids the best way I can. my phone number is XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

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  Dear Equifax XXXX, My First & Last name are as follows : XXXX XXXX XXXX. 

My Current StreXXXX Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX Please delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX XXXX Address : ** The report includes an incorrect address of : 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 The addresses listed above I have not resided in. My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 16815-2 ( XXXX ) 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. 

I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made. 

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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. (NV)

no known knowledge of any account, i do not have an account contract or agreement with this company Account details Account status Over 120 days past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$590.00} Responsibility Undesignated Times XX/XX/XXXX Days Late XXXX
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo was caught defrauding their own customers in multiple different ways. I received a letter in the mail stating I was one of their customers who had been scammed and they were offering to send me a check for reimbursement for the scam. I was told I would receive said check within 30 days. 30 days later after not receiving any check I called back to speak with their escalation department on why nothing has been mailed. I was then told 45 days was how long it would take..45 days later still no check and now am being told their is no timetable and no way for them to know when the check will actually be mailed. They have asked me for personal information over the phone including social, name, dob, as well as address at this time I am not sure that Im not being involved in a whole new scam as every person I have spoke with whether it be with the third party XXXX  XXXX or the Wells expediters I have been constantly given different answers to the same questions and Im stuck with no route to a resolution.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

I went in the office at XXXX & XXXX XXXX to get my emerald advance loan my loan was denied because of high inquiries from Experian credit union I have failed taxes at hr block for the past 16 year and my loan was denied and my birthday and social security number doesn't match with Experian when I tried to get in touch with them
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BROKER SOLUTIONS, INC. (GA)

XXXX XXXX XXXX  account # XXXX, XX/XX/year> In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I had 3 separate incidents where my checking accounts were compromised and I had several fraudulent charges on my accounts so I immediately called and filed fraud complaints with chase bank and was told they would issue a temporary credits while they investigated the transactions. I went on my chase app to check my balance and saw my access was denied so I called chase they said that due to the fraud on the accounts they restricted all the accounts and would closing all my accounts in 10 business days from the day they were restricted which was XX/XX/2018 and that I could go to the branch and withdraw the current funds in my accounts and they would mail me a check in 7-10 business days after they finished their investigations and closed the Accounts. I went to two different branches and they would not allow me to withdraw my Money from my accounts. They said I had to wait the 10 business days for the accounts to be closed and then 7-10 business days for them to mail me a check. I let them know my husbands paychecks, my child support, as well as my childrens XXXX payments are being direct deposited in that account and its too late to change it and they said that Ill Have to wait 7-10 days after they receive those direct deposits for them to mail us a check. This is all of our rent and bill money all of our XXXX money for our kids everything and they will not do anything to help us. We just want the money thats in our accounts and our money thats being direct deposited.
Consumer complaint received 2024-04-24
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. (NY)

Subject : Dispute of Repossession Entry on Credit Report To Whom It May Concern, I am writing to formally dispute an entry on my credit report regarding a repossession of a vehicle. Pursuant to consumer law, specifically UCC 9-506, I believe this entry is inaccurate and does not reflect the circumstances surrounding the repossession accurately. 

The entry in question is as follows : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date of Repossession : XX/XX/2023 I respectfully assert that this entry is inaccurate for the following reasons : 1. Lack of Proper Notification : According to UCC 9-506, the creditor must provide the debtor with reasonable notification before disposing of the repossessed property. I did not receive adequate notification of the repossession, nor was I given an opportunity to cure the default as required by law.

2. Failure to Sell in a Commercially Reasonable Manner : UCC 9-506 also mandates that the creditor must sell the repossessed property in a commercially reasonable manner. I have reason to believe that the sale of the vehicle did not meet this standard, and therefore, the deficiency balance may not accurately reflect the fair market value of the vehicle.

3. Violation of State-Specific Laws : Additionally, [ State Name ] state law imposes certain requirements on creditors regarding repossession procedures. I believe that the creditor may have violated these state-specific laws in their handling of the repossession.

I request that you investigate this matter promptly and remove the inaccurate entry from my credit report. Please provide me with written confirmation once the investigation is complete and the entry has been corrected.

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2018-12-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

Bottom Line Up Front : PennyMac is Required to Manage my Escrow Account per the terms of my loan. I notified them on XX/XX/2018 that they had paid my taxes partially, but not in full. I gave them the correct amount and contact information for the county tax office. They chose not to pay them or inquire with the county tax office. They finally inquired after the taxes were late and paid them. The problem was the late payment incurred a {$170.00} penalty that they took out of my escrow account instead of paying themselves. I was promised in writing and over the phone that if the taxes were not paid on time they would be responsible not me. 

Crucial Point : Why was PennyMac suddenly able to determine they had paid the taxes wrong in XXXX after the taxes were due, but not in XXXX before they were due? Why didn't they take the steps I asked them to take on XX/XX/XXXX that they took on XX/XX/XXXX? 

Summary : I have a required escrow account for taxes and insurance on my PennyMac Loadn. On XX/XX/2018 I reached out to PennyMac by their online secure messenger. I informed them that my property taxes were not being paid correctly, what the correct amount was, and contact information for the county to fix it. I tried and tried to provide them a digital copy, but I could not get their website to work. OnXX/XX/2018 at XXXX EST ( XXXX ) I contacted PennyMac by phone and informed them I couldnt get the property tax bill loaded ( See page 7 of XXXX  Bill under call detail ). I was informed I would not be responsible for any late penalties and they would engage the county digitally and get the correct bill. After many phone calls after the bill was not paid at all on XX/XX/2018 I found out today XX/XX/2018 the bill was finally paid out my escrow. Additionally they paid the late fee out my escrow because it was paid after XX/XX/2018 ( {$170.00} ). Additionally on XX/XX/2018 I papered mailed them a copy of the property tax bill and they said they did not receive it.
Consumer complaint received 2024-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (MN)

Selene began the Foreclosure process began due to late payment, which was not late. I have bank statements showing payment was made. Also had 3 other payment transactions confirmed, but were never run. A sheriff sale was set, so I asked for amount due to bring loan current. I received a quote from Selene that had an expiration date of XX/XX/23. Received a letter asking for more money then quoted. Also received a letter from the attorney representing Selene asking for twice as much quoted. Spoke with Selene over the phone, was told that they were going to cancel the sheriff sale and my loan would be in foreberence and payments would resume in XXXX. When I called to confirm payment in XXXX, I was told my home sold in XXXX.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (GA)

My student loans are accruing interest every day but Nelnets website does not show my correct payment or due date. I contacted Nelnets customer service but have not heard anything back. I have no idea how much to pay or if the interest will be waived under the SAVE plan which I enrolled in last month. Its extremely frustrating and the fact that interest continues to accrue while Nelnet fails to respond should be illegal.
Consumer complaint received 2024-04-23
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. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 Code 1681a- Definitions ; rules of construction - Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experience between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2023-06-26
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. (UT)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

There is credit card from XXXX XXXX " XXXX '' reporting on my consumer report that is not mine. My name is XXXX XXXX XXXX not XXXX XXXX XXXX.
Consumer complaint received 2023-07-17
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 us 1681 e b all information reporting to someone's credit report must be accurate or shall be removed immediately Account open date different : how can a account with the same account number be open on different dates Date last active has two different dates : how can someone be be last active on 2 different dates