davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (NY)

On or around XX/XX/XXXX I called Sallie Mae and tried to make arrangements with the interest only loan student loan. I am the co-signer for my XXXX children. I am going through a divorce with no financial support. MY income has been cut to less less a 1/3 of what I was making while I was married and originally when the loans were taken out. I tried to get ahead of the 7 loans going into default. for over a year I was able to get forbearance but now late payments has a negative impact on my credit report along with my children. I can not afford to make the interest only payments or make the payments when the grace period is up in XXXX. I have repeatedly called looking for help in many departments at Sallie Mae begging for help, to no avail. My credit score has dropped 100 points at this point. I just entered the work force a year ago and I was a stay at home mother trying to support four children and a house hold.Thank you for any help you can offer. 
XX/XX/XXXX is the beginning of when my credit has negative reports, I have disputed the claim. Currently the loans are approximately {$120000.00} in student loans.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (AL)

Someone opened a bank account in my name at Wells won't the name and took out a loan. It showed up on my credit report but it wasn't me. I called filed a complaint and was told it would be investigated and fixed. But never was and after several failed attempts to find out about investigation. Still nothing.
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My mortgage refinancing company XXXX XXXX XXXX has requested an original Stock & Lease certificate from my existing mortgage owner " XXXX XXXX '' ( this is the bank name ). The request was made on XXXX, and the bank has still not provided over 45 days later. Meanwhile, it 's costing me hundreds of dollars to extend the interest rates I was approved for on the refinance. When I reached out to customer support, they told me to resubmit my request and wait 3 weeks.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-02-01
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MS)

To Whom it may concern, Myself XXXX XXXX XXXX XXXX ) Car loan/ House Loan ) XXXX XXXX XXXX ( XXXX XXXX XXXX car loan and mortgage ) and my XXXX XXXX XXXX XXXX XXXX ) XXXX mortgage ) ( i have power of attorney for her ) We all had loans with wells Fargo in the years XXXX and would like to be added to the law suit of being charged extra fees and interest.
Consumer complaint received 2023-05-20
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. (NY)

As a consumer, I have a right to privacy. I did not give any creditor or credit reporting agency written or verbal consent to furnish any of my personal information to Experian. I recently received a copy of my Experian, XXXX and XXXX credit report, and I noticed some late payments posted on my credit report. 

XXXX : 5 Missed payments XXXX XXXX : 2 Missed Payments XXXX XXXX 2 Missed Payments XXXX XXXX XXXX XXXX 2 Missed Payments XXXX XXXX XXXX XXXX 1 Missed Payment Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because it's my transactions with the line of credit that the person " corporation '' extended to me the consumer.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-OFF XXXX XXXX XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-11-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Problem am having with Capital one auto finance is they are threatening me and sending threatening letters to my address. I do not owe this company and nor Have I done any business with them. Nor have I signed any documents with them. They need to stop Harassing me. This company has No proof or documents of me signing anything.
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: EQUIFAX, INC. (MI)

Someone stole my identity and I have submitted disputes with XXXX and XXXX and XXXX and Equifax is still reporting wrong. I have asked them to update this information and delete these accounts from my credit report. They have failed to do so. XXXX has not updated my credit inquiries as well. They are reporting the wrong information on my credit report as well as payment history.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IN)

Applied for a loan modification and was denied. I lost a source of income due to a XXXX. Never had a late payment in 12 years. I asked why my loan modification was denied, i was told because of insufficient income. That was the hole purpose of me filing a loan modification. They are not helping me with my situation and being able to keep my house
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America. 
I closed my checking and savings account I had with the Bank in person at a bank branch. I was told the ONLY way to cancel the credit card account was online or on the phone. They have no online method to cancel the card, so I have attempted to call them. They do not answer the phone for over half an hour. 

I later decided to keep the credit card for a little longer. The system they use to pay the credit card off is 'bill pay. ' I have tried to set up an external account to via this bill pay system. However, it will not allow me to individually set up an external account, and states I am ineligible for bill pay. 

I was told then I need to contact another account to set up explusively to make payments from an external account. So I did this. 

In my opinion, this is an egregious use of delay tactics and substantially burdens the consumer. The entire 'bill pay ' fiasco very clearly shows that the Bank wants you to set up a checking account to make it easier for the consumer to pay their credit card bills -- obviously beneficial for the Bank to have a checking account to force unfair fees upon the consumer. Not to mention, the only way to achieve my method of paying a credit card bill is through their slow and inefficient phone service ; my calls in total took over 2 hours to solve the propblem.
Consumer complaint received 2023-05-20
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. (MN)

I sent a Letter on XX/XX/2023, to XXXX, EXPERIAN, AND XXXX to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information with third-party people, much of this information was also mistaken, fraudulent, or perhaps even possible identity theft. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
BankruptcyXXXX  Case Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
BankruptcyXXXX Case Number : XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My edd card from bofa has been closed and I have called numerous times and have been to my local bank of america and nothing has been done from the bank and I am not doing to well with my health at the moment and I would appreciate it if you could help me get this problem resolved. 
Thank you and God bless you!
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX-XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$540.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX SV ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$910.00XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MT)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2023-02-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00} and XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There are two mortgages showing up on my credit report. I only have one with XX/XX/XXXX. I do not know who XXXXXX/XX/XXXXXXXX is but Trans Union is saying it is accurate without providing any explanation.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX I mailed letters to XXXX, XXXX  and Transunion disputing numerous items. On XXXX XXXX I received numerous letters from XXXX XXXX XXXX stating the debt and saying if I wanted information substantiating the debts to write a letter which is what the letters were for that I send on XXXX XXXX. None of the debts were validated. As of today, they still have not been validated per my letter. It has been much longer than 30 days. 

XXXX XXXX XXXX, XXXX in the amounts of {$610.00}, {$720.00}, {$930.00}, {$780.00}, {$300.00}, {$630.00}, {$600.00}