davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (IN)

At the end of XXXX - XXXX I was in the process of a move and career transition. I contacted Sallie Mae, my student loan provider, to request a forebarence on a few of my loans that I had with them to make the transition and move more seemless and easy for me financially. I was told over the phone the my requests had been submitted and accepted and that I would not have to pay on my loans for 3 months. About a month later, my cosigners and I started getting bombarded with phone calls from the company claiming that I had payments that were late, that were incruing massive late fees and penalties, and that I had to make the payments on the loans, which was completely contradictory to what they had discussed with me on the phone. I was not in a position to make those payments, as I was in the middle of a career change, a move, and had already made plans for my finances that didn't allow me the flexibility of repaying those loans at that time. So a couple of my loans went past due for a few months ( XXXX and XXXX XXXX, and XX/XX/XXXX ), i missed some payments, and a couple others were missed for about one month ( XX/XX/XXXX ). I did what I could to keep the loan payments up to date but was obviously unable to do so entirely. The company completely misinformed me, telling me that my forebarence was approved, and then turned around a month later, without notifying me, and started requesting payments and charging ridiculous late fees. The company was unwilling to negotiate any flexible payment options and just insisted I pay the full balance and late fees.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

K my name is XXXX XXXX XXXX well you already now that we got money cuz of the XXXX well i got my money and i had it in my card still i wasn't trying to spend like every one else i really trying to by myself a car so i told myself to buy a car so that u can go out and find a job well i had called to get myself a card cuz my money wasn't adding up right with my money so i got my new card like in the middle of XX/XX/2020 so it had like {$4500.00} well i had to pay my rent cuz u now i have been staying in a motel do to not having my own place so i took out {$700.00} and then i took out {$500.00} just so i can have some money in my pocket well i found a room to rent from a friend well i try to take out the money so that i can pay the rent money well to find out my card was lock so i called the bank to see what had happen and they told me to edd which i did and they told me to send them copy of my Id and that to give it XXXX XX/XX/2020 and my card should be ready to use well i have the bank of America app on my phone so well the days went bye XXXX the XXXX of XXXX came so i was checking to see if my money was still they and it was well i gave it XXXX XX/XX/XXXX and i only had {$500.00} on it well ever since then I've been calling and calling but they kept telling that edd was going to put it back on my card but then i called edd and they tell to call the bank cuz they anit just going to give money and then take it back so oh no but the must crazy thing is that i called to see when was the last time i took money out now know that i don't or couldn't take any money out do to i was waiting for edd to unlock my card right well it was telling me that i had took money out on the XXXXand on the XX/XX/2020 but there was no way it was me cuz my card was locked so oh but now i am still waiting on my new card cuz i lost my and i've been waiting on it since the XXXX of XXXX well someone is still taking out my money and i call the bank over and over and just keep telling to call edd and i have but they said that i need to talk to someone from the claims well i have TRIED and tried and tried but no luck so can u guys please help me out thank u so much.
Consumer complaint received 2017-12-14
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. (GA)

My name is XXXX XXXX thank you for removing the inaccurate items on my previous dispute but you didnt remove other inaccurate items that are in the attached files. Im sending this letter in regards to the remaining inaccurate information your company continue to place on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.
Consumer complaint received 2017-12-14
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: EQUIFAX, INC. (AP)

I have a Hard Inquiry I do n't recall on XXXX XXXX, 2017 from XXXX XXXX XXXX. Was unable to get a clear answer on why I have it or where it came from.
Consumer complaint received 2017-12-14
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. (GA)

My name is XXXX XXXX thank you for removing the inaccurate items on my previous dispute but you didnt remove other inaccurate items that are in the attached files. Im sending this letter in regards to the remaining inaccurate information your company continue to place on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.
Consumer complaint received 2017-12-14
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. (GA)

My name is XXXX XXXX thank you for removing the inaccurate items on my previous dispute but you didnt remove other inaccurate items that are in the attached files. Im sending this letter in regards to the remaining inaccurate information your company continue to place on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EnTrust Funding (CA)

Received a mailed advertisement offering a 30 year fixed rate of 1.875 % APR 2.089 on XX/XX/XXXX. I called immediately upon opening the mail, XXXX the same day. The company representative, XXXX XXXX, explained that he was with EnTrust Funding, LLC, DBA of XXXXXXXX XXXX XXXX. He asked me questions about my qualifications and took my date of birth, address, email, phone number and social security number over the phone and said he wasn't sure he could still honor that rate event though I was calling the same day I received the letter. He said he would get back to me with a quote after pulling my credit. I answered all of the questions he asked about my qualifications. When I didn't hear back from him, I called the next morning XX/XX/2021, and was told he could not offer me that rate. I asked what he could offer, and he said he couldn't help me. However, rates have not gone up more than a quarter of a percentage point over the last three weeks, yet he said he couldn't give me anything close to what was advertised, despite the fact I have a perfect mortgage credit score, perfect debt to income ratio, and over 50 % equity in my primary residence. I asked why they would mail out a rate offer that they never intended to honor and he told me " Sorry I can't tell you why, I just can't help you. '' How is this legal? A 30 year fixed rate with an APR or 2.089 at 1.875 % hasn't been available ever.
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

For years I have had an account with Coinbase. I replaced my telephone but have the same number that I have had for several years. When I tried to access my account it started off by saying that it does not recognize me. Now when I try to access my account it says that I do not have a valid email address. My email address has not changed for many many years. I have tried calling the help desk many many times can't even get anyone at Coinbase to answer. Please help! The last time I was able to access my account it contained over $ XXXX. I have a newborn and just moved into a new home. I had to borrow money from family members because I can't access my on funds.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent a request to Validate accounts by certified mail return receipt back on XX/XX/2023 to XXXX XXXX regarding XXXX different accounts. In addition on this date I also sent a request to XXXX XXXX XXXX XXXX to Validate an account. Also, I sent a Validation request on XX/XX/2023 to XXXX XXXX XXXX. Next on XX/XX/2023 I sent a validation request to XXXX XXXX XXXX. Lastly I sent a validation request to XXXX XXXX XXXX XXXX on XX/XX/2023. In each of these instances non of the creditors sent back validation. In accordance with federal law this constitutes the accounts as being INVALID. I then sent correspondence by certified mail return receipt to XXXX, Equifax, and XXXX to inform them that the accounts they are reporting are INVALID, and requested they remove the INVALID reporting of such accounts. I informed XXXX, Equifax XXXX XXXX XXXX to FCRA 15 USC 1681b ( 2 ) I never gave them my written permission or consent to continue to report INVALID accounts which constitutes violating my rights to privacy. I also informed XXXX, Equifax, & XXXX the continued reporting of these INVALID accounts also constitutes alleged Identity theft pursuant to FCRA 15 USC 1681c-2. Their willingness to continue to report these INVALID accounts XXXX, Equifax, & XXXX are in violation pursuant to FCRA 15 USC 1681 ( n ) will-full non compliance which gives me the right to sue {$1000.00} per violation. I have tried to resolve this amicably, I've sent proof of Invalidation, I've sent receipts of their violations however they continue to report these INVALID accounts.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
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. (NC)

I did not consent to, or authorize nor benefit from any of the following information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-12
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. (NJ)

My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2020-12-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (VA)

Tue, XX/XX/XXXX, XXXX XXXX to XXXX I need two things from you before we get rolling. In writing-no seasoning requirements needed and no current lease. If Cardinal is good with that then I will get moving on signing everything and getting documents to you. 

Thank you sir XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX to me Yes sir so we got the approve eligible when we ran it through the XXXX XXXX so seasoning isnt an issue or it wouldnt of given us a yes as well as no lease is required because you have enough income to own the home just to keep it empty if you wanted to haha but if you have 10 mins right now Ill call so we can get this thing locked in and you dont have to worry about the rate changing tomorrow XXXX XXXX | Loan Originator Inside Sales Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX : ( XXXX ) XXXX | XXXX XXXX I received a call stating there are seasoning requirements. They have {$600.00} of my money, not performed what they stated they would and have not returned my calls. Next step is small claims.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to you regarding the fraudulent accounts that have appeared on my credit report. It has come to my attention that several unauthorized accounts have been opened in my name without my consent or knowledge. This is a blatant violation of my rights as a consumer and has caused significant distress and inconvenience. 
DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central States Recovery, Inc. (VA)

Identifies themselves as CSR. I have asked them repeatedly not to contact me by phone and that I would not verify any information over the phone because I've been a victim of identity theft. The agent on XXXX XXXX became argumentative with me when I restated that I've asked them multiple times not to contact me by phone. I have never done business with this company.
Consumer complaint received 2020-09-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IN)

Hello this complaint is towards my mortgage company Lakeview/Loan Care. On XX/XX/XXXX I received a notice from my county auditor stating one of my two parcels I own is going up for  property tax sale due to them not being paid. My loan was a USDA rural housing loan and it required all taxes and insurance be escrowed and this hasn't changed. The notice indicated the amount subject to sale was {$1000.00} which included the taxes not paid and all the penalties for non payment. I have called my mortgage company everyday but 2 trying to get this resolved. The notice stated if {$970.00} was paid by XX/XX/XXXX your name and property would not be listed in the local papers and county website stating tax payments have not been paid and now being sold at the county auction on XX/XX/XXXX. After sending the notice to my mortgage company and being told by one of their customer service people that it had been received and would be reviewed and closed by the XXXX. I made repeated calls and continued to get the run around from their customer service people and managers. They then changed the date to XX/XX/XXXX. On XX/XX/XXXX I called and asked for update and nothing again. But that customer service person told me if I paid the fee and provide proof I would get reimbursed. The following morning XX/XX/XXXX I paid a fee of {$960.00} to prevent it from being made public record because I pay my bills and didn't want the humiliation of such a post. I immediately sent the proof of payment to the customer service website as directed. The county treasure took off the most recent late fee from my mortgage company paying late for the other parcel. On XX/XX/XXXX a manger informed me that they do not do reimbursements of this type and I should not have been told that. The manager just kept saying the money was not in my escrow so there was nothing left to pay out. Told me that they will be doing a end of year review and my payment will be going up to cover the additional cost. How is this possible when nothing has changed since the day I purchased my property and home? They paid them in the beginning but stopped which resulted in the situation I am in now. How does a company get away with this?
Consumer complaint received 2021-10-19
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. (MD)

Per request, XXXX account was closed on XX/XX/XXXX. XXXX and Experian account is currently reporting as past due as of XX/XX/XXXX. ( See attachments reflecting both CRA 's reporting incurrent information. ) A closed account can not be reported as past due, delinquent or late. This inaccurate information is causing harm to my reputation.
Consumer complaint received 2020-09-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone Home Lending Inc. (TX)

Hi My name is XXXX XXXX and I am writing this complaint of the poor service we received using Cornerstone Home Lending Inc. and would like to seek remedy of monies we lost on a deal with them that was directly caused by their incompetence and negligent behavior. We stated this process with them on XX/XX/2020. We had selected a home with a realtor, and she suggested Cornerstone Mortgage. In hindsight it was a bad judgement call to go off that type of recommendation, but this is my wife and I 's first time buying a home and we feel they took advantage of it. We were initially approved for a VA loan, as I am a XXXX XXXX XXXX XXXX XXXX XXXX Veteran and my wife and I wanted to use our loan eligibility to get our first family home for our two children and we were scheduled to close on XX/XX/2020. We were in constant contact with our loan officer and luckily for us a lot of this was done via text and email due to the pandemic. We were also in contact via phone, but I insisted on email after we were forced to move our closing date only about a week or two after we had signed the contract to XX/XX/2020. We were assured we would not have any other hang-ups, but I keep through documentation just in case. Then we were asked to change our closing date a third time by the mortgage company to XX/XX/2020 because they claimed they could not get a VA approved appraisal in time. At this point the seller would only agree to this if we released our earnest money and we had to put up new earnest money. We agreed but then got the shock of our lives when the loan officer emailed us and claimed to already have our appraisal, which we still havent seen, and sent us an email with the closing date of XX/XX/2020 and the sale price was not what we agreed upon in the contract. We asked about this and did not get a response until about 4 days later, granted two of those days was the weekend. Once we did get a response, we were told we would have a new closing disclosure before the weekend was over the following week. Then we get an email from our loan officer saying he need until the end of business Monday. At this point we are 5 days away from closing and we still have not gotten these documents. We finally received a Closing Disclosure on XX/XX/2020. We get to closing, which is the day I am writing this, and we received an email from our mortgage company with the closing date and time, which was XXXX XXXX. As we are doing the final inspection our realtor conveniently gets a call from our mortgage company saying that we would not be able to close at 3 and instead it would be at XXXX. At this point I am furious because it is the closing day and the mortgage company is still forcing us to move our closing time because they are unprepared. We get to the title company for XXXX XXXX and again we get a call from our realtor stating the loan officer told her we would have to close tomorrow XX/XX/2020 and we still have not received or even seen the appraisal.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.