davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I'm in the process of losing my home due to less income and death of borrower. I have reached out for over an year for help. Filled up for several mortgage assistance and keep getting turned down. I currently owe {$32000.00} after trying to resolve the matter. ( to bring current ). Specialized Loan Servicing is not trying to assist but take my home of 40 years. I have sent in several documents that always come up missing or unreadable, so I have to send again. 

This loan was transferred in XX/XX/2019 and I have been trying to resolve the matter. I keep getting told the investors doesn't want to invest. I have sent in several documents showing my hardship and my plan of action going forth.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I've seen no changes for the accounts that I have filed last month, I still see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I've paid my XXXX  XXXX car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.
Consumer complaint received 2022-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

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 an 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 2020-12-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (GA)

I XXXX XXXX entered a consumer credit transaction with SALLIE MAE. I never gave this company permission to send me a bill or state that I owe any amount. At some point SALLIE MAE gave my information to NAVIENT/ DEPARTMENT OF EDUCATION which was a violation of my right to privacy as a consumer. Pursuant to 15 USC 1692b ( 2 ) a debt collector can not state that a consumer owes any debt but, now I have been receiving bills monthly stating that I owe on these alleged debts. I know that no loan was actually given because no bank can legally loan any money and they can not originate credit, just extend our own credit back to us. In all the bills sent to me and supposedly contracts their are several TRUTH IN LENDING violations, as well as FDCPA violation which have been marked on the attached exhibits.
Consumer complaint received 2020-01-31
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: Santander Consumer USA Holdings Inc. (WI)

I was shocked when I reviewed my credit report and found late payment on the accounts below : XXXX XXXX - This is paid on time, XXXX and XXXX  reports all OK with not a single late remark. Please update this to current with no late remarks. 

SANTANDER - The status is incorrect. This should be current since there is no late remarks. Please update to Current or delete this. 

XXXX XXXX - This is paid on time, XXXX and XXXX reports all OK with not a single late remark. Please update this to current with no late remarks. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-05-04
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. (GA)

In according with the Fair Credit Reporting act XXXX  Account # XXXX have 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 its also states a consumer reporting agency can not furnish a account without my my written instructions My account name and number
Consumer complaint received 2018-12-11
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 — Their investigation did not fix an error on your report
Company: ProCollect, Inc. (TX)

I began disputing a collection account in writing as of XX/XX/2018. The collection company ( ProCollect ) called me on a saturday afternoon ( I had not received anything in writing that there was anything to dispute ). The agent was told not to contact me further, and she states, " I will keep calling until you pay your debt -- all calls should be recorded ).

The first collection letter from ProCollect was billed for {$1700.00} ( an amount submitted by XXXX  XXXX/XXXX  ).

After I began my dispute with the 3 credit bureau giants, XXXX made an adjustment to reflect {$910.00} on my credit report as of XX/XX/18. 
I submitted emails the XXXX  and evidence that the property management company ( XXXX XXXX/XXXX  ) admitted the were wrong to bill me for rent when they already had lease on the unit as of XXXX  XXXX. The landlord-tenant laws states a company can not try and collect rent plus reletting fees if another tenant is living in the unit of the prior person. I have made several attempts to have the collection account removed based on these facts, but XXXX, ProCollect and XXXX XXXX have refused to respond or make proper adjustments.
Consumer complaint received 2020-01-31
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the credit bureaus several times that the accounts don't belong to me, I have not in any way received goods or services from any of these companies and have asked for these accounts to be removed immediately from all of my credit reports. Contact was made in XX/XX/2019 for the following accounts : XXXX  XXXX XXXX {$110.00} XXXX XXXX {$1500.00} Acct # XXXX XXXX XXXX {$300.00} Acct # XXXX XXXX XXXX XXXX {$560.00} Acct # XXXX XXXX XXXX {$710.00} Acct # XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I'm trying to find out if we have any compensation going back prior to XXXX when Wells Fargo has to pay out for those they hurt by not allowing them to have a loan modification. It was XXXX when our troubles started- and we worked with Wells Fargo on a loan modification for months and months. All we wanted was a lower finance charge so we could afford to stay in our home of 12 years. We went back and forth with them, with them finally telling us they could only help us if we were in default on our loan ( we had been using credit cards to make our house payments, so we would not default ) They said they could only help us if we were 3 months behind in our payments, so we stopped putting our payments on our credit cards, per Wells Fargo 's advice. 
Then, after the 3 months, they declined to modify our loan AGAIN. 
We had excellent credit, aside from owing the credit cards- but because Wells Fargo lied to us, and reneged on their promise to modify our loan, we lost our home of 12 years. We have never recovered emotionally, nor have we been able to purchase a new home. Wells Fargo ruined our lives as we knew it- with fake promises to modify. But it happened just prior to XXXX what can we do now?
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (MA)

I received an offer in the mail from discover for a credit card that included an intro APR of 0 % for the first 6 months. After I applied, they said they would be able to offer me all of the same terms for the credit card, with the exception of the 0 % intro APR. I called Discover to find out why this happened, after transferring me to 3 different departments, they claim that a few issues with my credit is why they weren't able to approve my original offer. This does not make sense to me as every other term remained the same, even the credit line amount.
Consumer complaint received 2022-05-04
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. (CA)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX / {$0.00} / XX/XX/2022
Consumer complaint received 2022-05-04
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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
Consumer complaint received 2021-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( Bankruptcy and ( 2 ) XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ''
Consumer complaint received 2018-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CARS Acquisition, LLC (MD)

XX/XX/2018, I Bought a car at XXXX XXXX XXXX XXXX in XXXX, VA. I Agreed on XXXX as the price and put down {$1500.00} cash. I was presented with paperwork that essentially nullified the {$1500.00} in Tax tag title and dealer fees, with the balance remaining at {$3500.00} @ 14 % for 48 mos. I never received tags, despite getting a DC registration as instructed. 
More than a month later, I received a payment book for a company in my general area, called XXXX XXXX XXXX. I paid them once at their PO address and once in a drop box at their office. The total of these payments was over {$350.00}. 
After two months, I received notification I was to pay a company called XXXX XXXX, via a barcode scan and cash at XXXX, I began paying them in XXXX, and to date have paid them over {$770.00}, all the while receiving harassing text messages and refusals to present a statement each month.
Consumer complaint received 2018-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On Friday XX/XX/18 I responded to an ad advertising basketball tickets. The seller used these two phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. He said his name was XXXX XXXX and his email was XXXX.We agreed upon sending the payment via XXXX through my bank XXXX XXXX XXXX. The first name on the receiving account was XXXX. As soon as I sent the {$300.00} we had agreed upon for the tickets, he stopped responding to my calls and emails. I have submitted a claim with my bank and am trying to recover my lost money, as no merchandise was ever exchanged.
Consumer complaint received 2018-04-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

We are behind on our loan. I have called over 3 times to try to get payment assistance. Each time I was on hold over 18 minutes and one person had me on hold 37 minutes. After trying to get help I was sent an act 91 notice with over 500.00 in fees added to my mortgage. In the meantime I have spent over an hour on hold  trying to get help. Today I set an appointment with XXXX XXXX to discuss home modification. Appointment time XXXX. I waited 35 mins. She never called me. All while wells Fargo says they want to help people. Yet they don't even answer calls
Consumer complaint received 2018-04-17
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. (CA)

I have been in a constant battle with Experian Credit Bureau for the last year and a half. They have ignore my request to dispute fraudulent accounts manufactured in my name, and they have never sent me any information about them investigation my concerns. They are the only credit bureau reporting this inaccurate information, and what sucks is they are used the most by creditors for financing. 

Fraudulent Accounts XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX - # XXXX
Consumer complaint received 2022-06-13
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. (MD)

XXXX AND EXPERIAN ARE NOT FIXING AN EXISTING ISSUE WITH MY REPORTS. I KEEP DISPUTING A XXXX  COLLECTIONS ACCOUNT THAT IS NOT MINE AND IS ALSO XXXX XXXX ACCOUNTS AREN'T SUPPOSED TO BE REPORTED SINCE THE PANDEMIC. 

XXXX XXXX  NEEDS TO BE REMOVED OFF OF MY REPORTS. MY SCORES DROPPED XXXX POINTS AND I AM TRYING TO BUY A HOME WHICH THAT RUINED MY CHANCES. THE ACCOUNT BELONGS TO A RELATIVE. 


DELETE!!!!! 

I AM ALSO A VETERAN IN XXXX  XXXX
Consumer complaint received 2022-06-13
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. (NC)

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. 
USDOE/XXXX  Account # 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 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 2022-05-04
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: Convergent Resources, Inc. (NC)

In accordance with the fair credit reporting act Convergent account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : 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 and purpose.
Consumer complaint received 2022-05-04
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: DataMax Corporation (NC)

In accordance with the fair credit reporting act XXXX  account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : 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 and purpose.
Consumer complaint received 2018-12-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

This is my third compliant to you. You have not resolved the original issue I had with the credit reporting agencies. As I stated in the last two complaints, I sent 3 dispute letters to Experian, XXXX  and XXXX   disputing items on my credit report. You as well as the credit reporting agency repeatedly ignored the FCRA. You as well as the credit reporting agency has not produce any documentation proving the said items belongs to me. You as well as the credit reporting agency constantly states that the furnisher has verified the said disputed items. Who is the furnisher? How did they verify? Where is the original signature page, which provides proof items belongs to me? You both have failed numerous times to produce proof of said items. I am beyond anrgy that this is still not resolved after four months. I want to see your proof, which must be the original signature page of the allege contract as required by the FCRA.
Consumer complaint received 2018-12-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GATEWAY FIRST BANK (OK)

Today I received a call for the collection department for the XXXX payment and I told the collection representative that I had till the XXXX before the payment was late. The representative try to lie to me and say that the payment was due on the XXXX and that they give us a grace period of 15 days to make the payment which is not true according to the note that I sign which state that by the end of XXXX calendar day the holder of the note is late. To me it felt like they were trying to harsh me for my payment right when I stated that I had till the XXXX to make my payment. the collection agent was very rude and aggressive and I did not like this matter at all
Consumer complaint received 2020-11-16
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: Consumer Portfolio Services, Inc. (CA)

1. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/XXXX, CONSUMER PORTFOLIO S add a hard inquiry on my credit report per XXXX and XXXX.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

We attempted to freeze online our credit reports with all 3 major credit agencies. But only XXXX   plays a fair game, making this action easy for me and for my wife. 
Equifax and XXXX sabotage our requests. And to add insult to injury, they forced us first to fill a long forms online, provide all individual information, SS # included, email, cell phone numbers, set up user names, passwords, PIN numbers. At the end they state that " at this time we are unable to process your request .... '' Phone calls are pointless waist of time as computerized program request same info again.
Consumer complaint received 2018-08-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (OH)

I received an online cash advance and was told that it was going to be a long-term loan with small payments however that is not the way that it was set up and when I extended my payments they started harassing me numerous times a day with calls after I asked them to not call me until I could afford to pay it back due to XXXX  XXXX situation that I've been in I had to change jobs .I 've explained all this to them and they still continuously call me and harass me. This morning they called and I said stop calling my phone and then commenced to call me back three more times always from different numbers as if to trick me.
Consumer complaint received 2018-07-16
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

In the final months with Wells Fargo bank after speaking with several bank employees and managers overdraft protection kept charging my account {$35.00} for EVERY transaction whether it was {$1.00} or more. I asked for this feature to be removed several times to no avail. Also, the account kept allowing transactions after the bank was notified. No one tried to help me stop the cascade of fees and I returned my cards to the bank and closed my accounts. I still receive mail correspondence about fees that accumulated after I closed the account!