davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (WA)

I am a co-signer on Student Loan. I would like to be released. The borrower/student has made payments faithfully for almost 4 years, never been late, has an excellent credit score, and an exemplary work record, continuously employed since graduating. 

Sallie Mae has twice denied the release, the first with a CODE 14 Insufficient Income for amount of credit requested. Second the same reason. We have no problem with that determination, but we do have a problem that Sallie Mae wont provide the metrics that allow us to set our goals to be released as a co-signer. 

We have the right to know the values that need to be aligned such that a cosigner ( s ) can be released. The credit score was very good ( XXXX ) and the payments have been prompt. To encourage us debtors to endeavor to be financially responsible and to seek the path of freedom from debt we need to be provided with information to set targets and goals. 

Personally, I think it is immoral that this information is not provided at the onset. I think it is sad the effort we have to undertake ( calls and letters ) to receive this rightful information, and further sad for those that do not have the time or the means to seek this information. 

Sallie Mae requires : I have demonstrated a satisfactory history of making the required 12 consecutive, on-time payments of principal and interest immediately before applying. 
I have no student loan ( s ) in default. 
I have not been reported as 90+ days delinquent in the past 24 months. 
I have no student loan ( s ) currently in a hardship forbearance or modified repayment program. 
My account is not delinquent immediately before applying. 
I must meet age of majority requirements in my state of residence ( be old enough to enter into a legally binding contract ). 
I must be a U.S. citizen or permanent resident at the time my request is processed. If my citizenship has changed since I applied for the loan ( s ) in question, I will provide proof of citizenship. 
By releasing my cosigner ( s ), Sallie Mae is not releasing me from my loan obligation ( s ). 

It would be so easy to also require the other information that Sallie Mae requires which the consumer has no idea how their decision is made. By example : Credit Score greater than xxx Debt to Income ratio less than Loan Balance is x percentage of Income Or other metrics they use to evaluate When you call Sallie Mae their representative can not give that information. I have asked to speak to a supervisor, and they have failed to call me back after several messages left on a voice mail. Very frustrating. 

In closing I think their evaluation criteria should be transparent and easily accessible prior to submitting the release request. Thank you
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Consumer complaint received 2019-08-05
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)

I have been trying to get information on things that are reporting on my credit file. I decided to enroll in Experian monitoring site so I can get a better idea as to what is reporting. Since the site is run by the bureau I assumed that the information was more accurate than something like XXXX XXXX ( a third party ) reporting site. I received my report directly from Experian on XX/XX/2019 and they removed several things. However two months later those items reappeared without any notice. Since I am getting the information directly from the bureau how can they not report accurate information every month? This is frustrating.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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 correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

I have been doing my payments by my credit card for my student loans. They never follow up with a receipt and I don't understand why they can take my money but they never want to send me a receipt. I use to mail payments now I got smarter and do it by credit card to show my payments. Also so they never report the correct information on my credit report. 

It seems dishonest to not provide a receipt for a payment. I talked to Navient again yesterday and the person said they would send my receipt by email that day. I still have not received anything. 

Plus I asked about information of loan forgiveness. 

Thank you, XXXX XXXX
Consumer complaint received 2021-11-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (OK)

I spoke with XXXX XXXX, who stated he was the XXXX, today ( XX/XX/2021 ) after they contacted a colleague of mine on her work phone line. I asked how they got that information and he refused to tell me, saying the " only right I have is to pay the debt. '' He continued to say " I don't ask you what you do at your job. '' He would not provide me with any information regarding how he obtained my colleagues contact information or anything. The only thing he said was how much I owe and to what creditor. On top of that, they call multiple times per day. I told him I wanted to revoke any permission to call any contact phone number he has and only communicate in writing to my home address. To which he replied that is not my right. 

I have filed a complaint with the original creditor and am waiting to hear back from them about getting the collections activity transferred back to them. The original creditor has been sympathetic and are doing what they can to help transfer the collection activity back to them or another debt collector.
Consumer complaint received 2021-11-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc. (TX)

I sent UCB a verification letter on XX/XX/2021 and UCB has violated my XXXX rights by obtaining and having my medical records release to them. I have never signed a XXXX form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. Thank you
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: PNC Bank N.A. (OH)

I have a PNC Prepaid card and i have been receiving my unemployed benefit on it for two months now, Just today when my Money got deposited they have close my card and have taken the money too they should at least let me have my money withdraw at the atm and close it completely but rather took everything and the funds is XXXX dollars
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

on XX/XX/XXXX, my XXXX XXXX ACCOUNT # XX/XX/XXXX, was closed on my report and it should be open on the bureaus instead of closed. i paid the balance down, been on time every month, and it drop my score 7 points as well
Consumer complaint received 2021-11-18
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. (NY)

Equifax, XXXX XXXX, and XXXX credit reporting bureaus incorrectly reported XXXX XXXX XXXX XXXX XXXX as Delinquent. When Equifax Reinvestigation results shows Not Currently Reporting.
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credence Resource Management, LLC (CA)

On XX/XX/2021 someone from credence resource management called me about a debt, they broke several of my consumer rights which is, XXXX XXXX XXXX ( c ) ( a ) states that a debt collector may not communicate with a consumer without the prior consent and with credence resource management being a XXXX XXXX debt collector they didn't have prior consent to communicate with me regarding a debt, another law they broke was XXXX XXXX XXXX ( c ) ( XXXX ) which states that a debt collector can not communicate with a consumer at any unusual time, place known or which should be known inconvenient to the consumer, and last but not least is XXXX XXXX XXXX ( d ) ( XXXX ) a debt collector can not use obscene or profane language which the debt collector used when they stated I owed a debt so I'm requesting for monetary relief persuant to XXXX XXXX XXXX which is civil liability which states that a debt collection agency would owe a consumer XXXX dollars for breaking these laws and this debt collection agency violated XXXX of my consumer rights so I'm asking for a check in the amount of XXXX dollars XXXX
Consumer complaint received 2021-08-24
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. (MS)

on XXXX, my XXXX XXXX ACCOUNT # XXXX XXXX, was closed on my report and it should be open on the bureaus instead of closed. i paid the balance down, been on time every month, and it drop my score 7 points as well
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY (MD)

My complaint is about TD Auto Finance. First of all, they always begin their customer service calls by stating that they are America 's most convenient bank. That is a flat out lie. They do n't invest enough in customer service because it is next to impossible to get to the within a reasonable time on the phone ... Unfortunately, I financed my vehicle with these guys. Last year I was involved in a car accident. There was a miscommunication on the part of the body shop in giving me some more time to come up with the money to repair the vehicle. The body shop contacted the bank before our agreed term and TD came to impound the car around XX/XX/XXXX, 2017. The bank never gave me a call and did not notify me. I found out through the body shop that the car had been taken. I contacted the bank to find out whether I can get an extension until XXXX to pay off the amount an redeem the car. Since I had not missed the monthly payments with the bank and due to the unusual circumstances, they agreed to give me until XXXX. I gathered my money and called the bank again in XXXX to make sure that the car had not been sold and to tell them I had all the money to redeem the car. They told me that the car was being held. I proceeded to make the full payment and asked where my car was. The bank then told me that my car is at an auction two states away and I needed to pick it up! After doing some background research, I found out through the vendor that the bank hired to do the delivery of the car that they never put a " hold '' on the vehicle. The vendor confirmed that there was no record of a hold being on my car and that they delivered it to the auction. I reached out to the bank and they were not able to explain why they failed to communicate with the Vendor ... TD AUTO FINANCE is perhaps the worst of its kind. I have had many cars financed through various other financial institutions but by far this place is the worst. I am sure that there are many cases like this. Please investigate these guys, they are hurting consumers with the incompetence.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

I received a mailing from Chase Bank to applyo for XXXX XXXX XXXX XXXX with an " Invitation-only offer : XXXX Bonus miles. Do n't miss out. Apply by XXXX XXXX, 2017. '' On XXXX XXXX, 2017 I entered the email address to apply at " XXXX '' and began entering personal information and saw that the offer, which is stated in the mailing as " Earn XXXX Bonus Miles after you spend {$3000.00} on purchases in the first three months your account is open '' was redirected to " Earn XXXX Bonus Miles after you spentd {$3000.00} on puchases in the first three months your account is open. '' I called Chase and was disconnected when I inquired. I then emailed, and Chasenever replied. I believe this is fraudulent bait and swtich.
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (FL)

Enhanced Recovery located at XXXX XXXX XXXX, XXXX FL. XXXX states that a Debt from XXXX and XXXX XXXX. I never received any Debt Validation letter FDCPA XXXX - XXXX - XXXX XXXX, I did not receive any statement of the account/payment history/signed contract from the creditor. This debt is not owed. I would like to file a complaint against Enhanced Recovery as they have in error posted on XXXX, XXXX XXXX, and XXXX negative information that is not correct. In addition, I would like to request all negative reporting to be removed from credit bureaus.
Consumer complaint received 2021-11-18
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 am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$2100.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$2500.00}
Consumer complaint received 2021-08-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MN)

I paid off a XXXX XXXX XXXX lease vehicle by mailing a check and an odometer statement-check was cashed on XX/XX/XXXX in the amount of {$12000.00}. I called on XX/XX/XXXX to check on the status of my title and was told they were missing the odometer statement, I stated I would fax in the one I had, got the fax number and faxed in the document. I called back onXX/XX/XXXXto check the status and was rep confirmed they had received the odometer statement and they were sending an escalated email to close the account and I should receive the title in 7-10 business days. Around XX/XX/XXXX I called when I still had not received the title and was told again they had the odometer statement, the title had not been release and I just needed to wait. I asked to speak to a supervisor. The supervisor stated had the odometer statement and that they would send an email to the titles department requesting the title to be released. I called back on XX/XX/XXXX and the rep told me the title had still not been released, I again asked for a supervisor who told me they did not have my odometer statement and that I should email it to XXXX along with a letter explaining the long wait and for the title to be sent next day mail. The next time I followed up with a supervisor I was told they still did not have the odometer statement and they they don't even have an email to send things too ( basically her or the last supervisor is incorrect ). She also stated that they only accept the XXXX XXXX odometer statement ( glad someone finally told me ). The supervisor also informed me that they can only emailing the title department is the only way they have to contact them ... This seems really odd for such a large company. On XX/XX/XXXX I sent in the Hyundai Motor odometer statement next day mail through USPS and confirmed it was delivered on XX/XX/XXXX in the XXXX. I called on XX/XX/XXXX and XX/XX/XXXX and it is showing as not received. I am not the only person having an issue with this company and titles being released. I found multiple complaints on the XX/XX/XXXXand a news article on XX/XX/XXXXThey are holding customer money for weeks to months at a time. which should be illegal.
Consumer complaint received 2019-08-05
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. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On or about the XXXXXXXX  until XX/XX/XXXX  I notified the credit services about some unauthorized transactions on my credit card account which totaled {$5400.00} per my XX/XX/XXXX  statement Balance. Eventually all unauthorized transactions charges were removed with the exception of one charge leaving a balance as of {$3800.00} per my XXXXXXXX  statement balance. Until this day, Chase Sapphire credit services has not removed nor resolved the particularly unauthorized transaction. By selectively choosing to ignore my inquiries by disconnecting my calls and sending me in circles claiming that this matter is still under review 8 months later is preposterous, and inadvertently causes me to issue payment to protect the integrity of my creditworthiness. This type of business conduct is adversarial and the delay tactics resemble acts of discrimination.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (TN)

Direct Express failed to issue my son 's SSI payment to me for the month of XX/XX/XXXX. Instead, they admittedly allowed someone to call in on XX/XX/XXXX and change my son 's DOB and our address, issued a new card to an entirely different state and the card was activated and used down to {$5.00}. I still have MY card safe in my wallet. Social Security has advised they should ONLY issue to the address SS has on file. This definitely sounds like an inside job similar to the incidents they just experienced this time last year. They have initiated an indefinite investigation and in the meantime this single mother of XXXX is left to figure out my already struggling finances including rent, car insurance and back to school clothing for XXXX.
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (SC)

we have a loan and need our escrow redone and they have every excuse why they cant do it. i received a new tax bill back in XXXX and submitted it. they keep telling me 5 days to to redo escrow 5 days go by and still nothing i have called every week for a month. I am at a loss at this point. Amerisave mortgage can not get it together. supervisors are rude and the customer service agents have not clue and feed you different lines all the time. if they redo my escrow i will be paying XXXX less of month due to paying out of state taxes and now paying resident taxes. i have letters stating the redid the escrow and still my payment has not gone down thanks for any help
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Nationstar/Mr. Cooper added an escrow payment to my mortgage some months back and have yet to remove it causing me to pay an additional {$300.00} a month. 
The reason I'm complaining is there were never any taxes owed on my account with the city, the city even rejected the payment Mr. Cooper sent stating in a letter to Mr Cooper that " we reject this payment because there are no taxes owed on this account '' Instead of removing the escrow then, Mr Cooper keeps it on my account and continues to collect an extra XXXX a month from me ; I pay it because if I don't they will say I defaulted on my payment. 
This has been going on since XX/XX/2021 and till today they still are applying an additional {$300.00} a month to my mortgage. 
When I called today they said the City and County of XXXX XXXX has still not returned the payment, when the City and County of XXXX XXXX doesn't return checks, they destroy them as told to me by the clerk at XXXX XXXX tax office and the fact is they never received the payment from Mr Cooper because the county rejected it in the first place as the account was in good standing.