davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (NC)

My son and daughter both have private student loans with Wells Fargo. My daughter is out of the country and her mail comes to my home. I received a letter that Wells Fargo needed proof of enrollment for her loans. So we got the form from XXXX XXXX and faxed it in. I then was receiving notices in my name. So we faxed it again. I even went to my local branch twice to have them fax in the enrollment verification. 

What I didn't realize is the letters addressed to me were for my son XXXX XXXX student loan. And, he didn't get enrollment verification sent in. So in XXXX they charged off his loan of {$9400.00}. 

I don't think Wells Fargo should be allowed to process student loans. First, the letters to me the co-signer only had account numbers on them. The name of the student was not on any letters. So I was calling Wells Fargo, but I thought I was calling for XXXX XXXX loans and not XXXX XXXX. Second, they had enrollment verification of XXXX attending school through XXXX of 2019. There should have been a 6-month grace period. His first payment would have been due in XXXX. Instead they charged off the entire loan in XXXX. Third, My children have other student loans. None of those student loan processors needed enrollment verification. They were able to check from the college reporting that my children were still in school. 

I would like my son 's student loan to be brought to a forbearance status since he was enrolled in college through XX/XX/2019. I want him to have a 6-month grace period to begin paying back the loan. I want Wells Fargo investigated because I bet they did this to all of their student loan recipients. I don't believe they should be allowed to process student loans.
Consumer complaint received 2022-01-14
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. (MO)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The following ( Equifax, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/2009 Balance {$1100.00} ).
Consumer complaint received 2022-01-26
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. (TX)

I have sent several packages certified mail with the following documentation requesting my credit reporting statutes be enforced. 

My credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report Identity and FTC Affidavit. Proof of my identity and utility bill.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days. 

Experian refuses to block fraudulent items from my credit report. My credit reporting statutes must be enforced if sufficient information is provided under FCRA605b. There is also a medical collection on my credit report. or them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Implied consent was never given on my behalf. Therefore, my request is twofold validation of debt and HIPAA authorization. I have asked Experian to validate the debt and received no response. Also, code 15 USC 1692g states no one can verify an alleged debt but the original creditor which is me ( XXXX XXXX XXXX ). Receiving a verified and refusing to block an item is unlawful. 

Experian refusing to remove this information immediately is a violation of the following : Per public law 104-191 Sec 1177 this is a violation per 15 USC 1692e ( 2 ) ( A ) ( iii ), 15 USC 1694f ( 8 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( iii ), 15 USC1692 ( k ). 

I have attached proof the items were delivered successfully, and Experian just refuses to support my credit reporting statutes. I fully intend to make sure this matter is cleared up and mt credit reporting rights are enforced.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (ID)

Rushmore is reporting a balance and past due with XXXX lates on an account that has the last payment date of XXXX and sent out 1099s to report to taxes. The reporting has been ruining our credit for years! Look at the credit report screenshot we included.
Consumer complaint received 2022-01-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

XXXX built home. 
XXXX Applied for heloc Divorced ~ XXXX ex husband ordered to pay Heloc and judge removed me from responsibility. 
XXXX ex husband committed suicide. Probate lawyer hired. Probate lawyer admitted failure to see heloc balance and it was not paid XXXX life insurance policy ) I was not aware of this debt nor was his heirs. We leaned if it when my home went to Forclosure. 
XXXX Specialized Loan Services sends agent to photograph my home. I advice I do not have a mortgage. I call XXXX number for info. I advice ex spouse is deceased. They refused to discuss why they were photographing my house. I send death certificate, still will not tell me anything or give me payment info. I sent certified documents. Probate info. Signed documents from executor of estate allowing me to discuss debt. They still do not allow me to have info. 
XXXX I got served with foreclosure. 
I was under the impression the heloc was closed at time of divorce. I do not feel my house should have went to foreclosure. Please help me save my home.
Consumer complaint received 2018-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX two month ago i bought a car XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX the car was advertise for XXXX i confirm the price over the phone before i go there. when i went the price was XXXX i deal with it because i need a car right away. That is false advertisement Then they say the car come with more service but they never discuss any price with me. they give me so much papers to sign very quick it was already XXXX XXXX because XXXX make me wait a very long time before they rush me to sign a bunch of papers. when i check the paper contract 2 days later i notice extras charges for key replacement XXXX maintenance just oil change only up to XXXX XXXX miles XXXX gap insurance security XXXX plus tax on all services XXXX plus the interest rate in the total amount i ask to cancel all those Services. This is the message Cancellation Confirmation from my Email that XXXX agree to refund me Your refund will total as follows : Maintenance {$1100.00} Gap {$1400.00} Key {$400.00} -- -- -- -- -- - {$2900.00} + {$95.00} ( tax ) -- -- -- -- -- - < $ XXXX ( total ) Your total interest over the loan was : {$5300.00} once the refund amount posts : {$4200.00} -- -- -- -- -- - < $ XXXX ( Obviously will vary if you pay off faster ) XXXX say the XXXX plus interest will be refund between 6 to 8 weeks .During the two month i receive many email advertisement to buy a new car I contact the loan financial two month later i was told they never receive my cancellation paper that i signed in the dealer 2 days ago on the XX/XX/XXXX i call all day everytime the assistant transfer the call to financial department no one pick up the phone or call back. I call XXXX main line many time He never pick up and he never call back. I left many message for general manager sale manager finance manger XXXX XXXX different manager none of them pick up the phone none of them returned the call. The assistant that pick up the phone told me many time they are too busy to talk to me. I don't go there because the last time I went to sign the paper they make me wait a long time and when XXXX finally come he was Rude and unprofessional They even charge me pre delivery charge XXXX i pick the car in the dealer and it's a used car that is my first time buying a car by myself as I told them. i research about that charge it s for new car from manufacture the dealer need to refund the total amount for the extra service XXXX plus the interest they add in my loan without discussing any price with me. Just has the agree to cancel the service and refund the price And for wasting so, much time they need to refund another {$300.00} Also refund the XXXX delivery charge And Stop doing false advertisement For their cars
Consumer complaint received 2022-01-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

The following ( XXXX, Experian, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).
Consumer complaint received 2022-01-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I have sent numerous letters to dispute a list of collections on my Credit Report that does not belong to me. I have send in letter via Certified Mail & called the call center a number of times. accounts are listed below XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following ( XXXX, XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2022-11-30
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-11-30
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. (TX)

I did not give you written consent to furnish my consumer report to my local child support agency. This is illegal to communicate according to 15 usc 1681b. Show me the proof i gave you my written consent as i have never given any court or a consumer reporting agency to communicate amongst each other regarding my consumer report. This is identity theft by you doing so and i am demanding deletion as a consumer and natural person because my rights are being violated.
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc. (TX)

I noticed on our credit report that a debt collection company reported four unpaid debts on XX/XX/XXXX. 
We had no idea what the debt was for and so called the debt collection company. We asked several times for them to send a paper bill to see what the charges were for but were denied.She said they only send one notice, which she said was sent in XX/XX/XXXX. We never received that notice. 
We asked several times on the phone what company the debt was for and she finally told us it was for a medical facility for x-rays. 
The debt collection company divided the bill into four charges of {$51.00} each, which meant four flags on our credit report. 
The company is : Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX
Consumer complaint received 2022-01-26
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

The following ( XXXX, XXXX, XXXX ) credit reporting agency ( XXXX ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the XXXX, which requires all reporting to be XXXX XXXX accurate. If the information is NOT XXXX XXXX accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The XXXX has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX  XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).
Consumer complaint received 2021-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC (TX)

XX/XX/2021 I filled out an online preapproval application with XXXX XXXX XXXX. On XX/XX/2021, I received a denial letter from American Credit Acceptance stating that XXXX forwarded my personal information to them. I do not know who they are and I never gave them my personal information. This company did not have my permission to get, keep, or review my personal information. I have a right to privacy pursuant to the FCRA. They also violated the FCRA by leaving an inquiry on my consumer report. This company also violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor. Pursuant to 15 USC 1602 ( f ) credit means the right granted. 15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card. 15 USC 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card. On XX/XX/2021, I filled out an identity theft report on this company for the fraudulent activity theyre performing. They are acting like theyre the original creditor and thats false and deceptive because their title is lender.
Consumer complaint received 2022-01-14
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. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$47000.00} ;
Consumer complaint received 2022-11-30
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. (TX)

I did not give you written consent to furnish my consumer report to my local child support agency. This is illegal to communicate according to 15 usc 1681b. Show me the proof i gave you my written consent as i have never given any court or a consumer reporting agency to communicate amongst each other regarding my consumer report. This is identity theft by you doing so and i am demanding deletion as a consumer and natural person because my rights are being violated.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sentry Recovery and Collections, Inc. (NV)

XXXX XXXX is the first time I was contacted about this. My brother had been contacted months ago about the issue. They first told us it was about a broken lease, I explained to them that I paid the lease in full before I moved out and they actually had proof verifying my statements. That same day they called my brother back telling him if we did not go to the collection agency office to sign the contract of payment they will get him and myself fired from our jobs. My brother asked her why and how she would do this, she said she couldnt give him details because it was illegal but she had our employers information and she will contact them. A few hours later she called us back with a whole different story on why we owed {$1000.00}. She said it was cleaning fee and because I have left a couch in the apartment.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

Received a new filed debt collection from XXXX, for XXXX XXXX {$290.00}. 
There were 2 previous companies that filed this same debt. The 2 previous debts were also disputed and the companies withdrew.

This is not my debt. I have never used XXXX XXXX
Consumer complaint received 2022-01-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$47000.00} ;