davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX. XXXX This complaint is continuing in response to Wells Fargo wanting to repossess my XXXX  XXXX car, in which XXXX dollars is required ASAP. I had sent a letter on Tuesday, XXXX XXXX via CFBP in response to a Charge off Letter done on XXXX XXXX and another Letter on XX/XX/XXXX. in XXXX to Wells Fargos reply on XX/XX/XXXX. I indicated that Wells Fargo did not address all my problems and Offer to Pay and Bring the account up to date. 

Ive tried to contact the senior Manager, MsXXXX XXXX, who was supposed to call me back on Tuesday, XX/XX/XXXX. Im still waiting for her call, as indicated by Ms. Ms. XXXX XXXX, Team Manager. Per Mr. XXXX XXXX offer, the clock is ticking, already on day 4 from Friday, XX/XX/XXXX, which allows 7 days to settle to pay off the loan. 
Mr. XXXX. XXXX Executive Account Manager, responded to my letters dated XX/XX/XXXX and XX/XX/XXXX. Indicating that I wrote the same thing as my first original letter, with nothing NEW. Not TRUE. There was additional activity per the following : 1. I paid XXXX dollars towards the account as promised : The numbers produced by XXXX. C. to resolve paying the account would hence be different at this time. 
2. My intention is to pay more money additionally to the account. This also was not addressed in the first response.

3. My injury and not being able to perform transactions for the past 3 weeks was not addressed. Not even to let me know whether it mattered or not.

4. The Offered terms of getting payments complete before the due date was also not responded to. There was no dispute or rejection of that offer. 
I dont have the money being requested right now, and Im attempting to make a good faith offer of paying the full updated balance of the loan. 
Also, in response to the above terms of Settlement, I would respond to pay quickly, the balance of the amount owed, per as stated, XXXX dollars, paid on XX/XX/XXXX. Confirmation No. XXXX thus far towards the account to close the payment gap. Then XXXX dollars to cover fees and {$850.00} to {$1000.00} per month. 
I again left a message with an attendant at the executive office on Monday XX/XX/XXXX at approx.. XXXX XXXX eastern time, for someone to call me. Either MrXXXX XXXX, who was not available, MsXXXX XXXX, ( Senior Manager ) who was not available, or MsXXXX XXXX XXXX, Team Manager, who was also not available. 

No one available. Please call me at XXXX as this is a VERY Urgent Matter. 
I can not afford to lose the car to repossession, as I need it for my job. Former Letters are attached to this platform, for the record. 

Sincerely XXXX XXXX XXXX CC. Wells Fargo Auto. Wells Fargo Auto. XXXX XXXX XXXX, XXXX XXXX, SD. XXXX XXXX XXXX Executive Resolution Specialist, Wells Fargo Auto XXXX XXXX XXXX. CEO. Wells Fargo.
Consumer complaint received 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

Hello During Covid 19 i fell through some hardship with work and hours and also had some health concerns that made me fall behind on my mortgage and once getting back on my feet I tried to reach out to my mortgage company to see if there was any assistance or try to modify my loan and I kept being denied. They would not accept any pay rate updates that i continue to provide them they just kept declining it and now i am in desire need of some assistance to keep my home. I have had this home for XXXX years and I have raised my kids and i would love to do what it takes to keep my home so i can also have a place where my grandkids can come and and we continue to be a family i really need and want to stay in my home and as i had no desire to sell this home as i have had for XXXX years and making memories with my kids, Rushmore loan company is not willing to work with me on this matter as i still have a sell date of XXXX 6,2022 I have reached out to loan company and i have reached out to NACA and they have been working as well to try and help me save my home as well as NC HOMEOWNER ASSISTNCE. I explained to RUSHMORE I just need a little more time to make this right and save my home. Please help me and my family. Covid has hit us all hard..
Consumer complaint received 2022-12-03
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: William D. Meeker Enterprises, Inc. (GA)

15 usc 1681 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consumer report furnish an account without my written instructions 15 usc 1666b A creditor my not treat a payment on a credit account open-end consumer credit as late for any purpose
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NV)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX and XX/XX/XXXX I contacted Experian due to a fraudulent account that was opened and placed on my credit report. I spoke to two different representatives in regards to the XXXX credit card account. This account was opened under my name and social security number on XX/XX/XXXX. 

I reported this account as not belonging to me and was informed that they will start an investigation. As of to this date of the complaint, I have never received a response from Experian. 

Next, their is an account, XXXX XXXX XXXX that is reporting a late payment in XX/XX/XXXX. This was a " Self '' account that I placed and I know of a surety that I was never late. Where did Experian receive this information and then allowed it to be placed on my credit file? 

This was a secured loan, with my own monies, so therefore, how could I be late, and I requested the loan to not be renewed. This late payment should be removed immediately.
Consumer complaint received 2023-08-02
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. (TN)

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.

The letters are stated with items and issues.

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 2022-07-14
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (RI)

I noticed that there is a debt that has been placed on my credit report in collections from a speedy cash I have emailed called faxed over several requests to the debt collection company AD Astra and told them it was fraud due to my info involved in several data breaches XXXX XXXX, XXXX XXXX XXXX and also XXXX my social has been found on the XXXX web
Consumer complaint received 2024-10-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MN)

To Whom It May Concern, Report Number : XXXX I am writing to request validation of the debt that your agency claims I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. I received a communication from your office regarding a debt that is allegedly owed, and I would like to ensure that this debt is valid and accurate before proceeding with any payments.

Please provide me with the following information as part of your debt validation process : 1. The name and address of the original creditor.

2. A detailed statement of the amount of the debt, including any interest, fees, or other charges that have been added.

3. Verification of my obligation to pay the alleged debt, including any signed contracts or agreements that show I am legally responsible.

4. A detailed payment history that shows how the debt has accrued, including any payments made to the original creditor.

5. Any documentation that demonstrates your legal authority to collect this debt on behalf of the original creditor. 

Please note that I am not acknowledging or accepting responsibility for the debt by submitting this request. I am simply exercising my right to request proper validation. Until I receive the requested information, I request that you cease all collection activities related to this debt, including reporting any negative information to credit reporting agencies. 

I expect your prompt attention to this matter and look forward to receiving the requested documentation within 30 days. If you fail to validate this debt as required by law, I will consider the matter resolved, and I will expect all collection efforts to cease. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (NC)

This is one of several attempts I've made to inform credit bureaus that I've been the victim of identity theft and that I want to check certain entries in my files that the fraud has left behind. The documents I'm looking at have nothing to do with any purchases of products or services or financial transactions that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX.
Consumer complaint received 2022-06-03
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. (IN)

Hello, My name Is XXXX XXXX and I am filing a complaint against XXXX for committing identity theft & Fraud. I have never given XXXX permission to use any of my identifying information. They continue to ignore my correspondence. 

According to the FCRA, in order for to furnish the alleged US BANKRUPTCY COURT XXXX would need to be able to both VALIDATE and VERIFY the information with original creditor. US IN Bankruptcy Court has also assured me it is not within their policies or obligation to validate any public records via Mail please see attached documents. 

Also Refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give XXXX neither direct nor indirect permission to furnish my information. 

If this documentary evidence can not be produced of how my information was verified & validated. I will file for litigation for actual damages caused and XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. I will also be filing a complaint with the FTC. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-01-23
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Five Lakes Law Group PLLC (IL)

I was promised that they would take a set amount a couple times a month and that my debt would be settled with all my open accounts. They only worked on a few and the rest kept accumulating and i ended up being sued on XXXX of them to XXXX XXXX where i had to file XXXX XXXX to get things taken care of costing me even more money- they kept taking money even though i told them to stop - had to argue to get it back and then they still kept all their fees even though i asked for that back since they did not fulfill their promise. They lie and none of them are on the same page. They just kept calling and asking for more money all the time. I started paying them in XXXX of XXXX  and paid more than {$16000.00} and they only settled XXXX accounts, the rest kept charging interest and XXXX of them filed court cases and all they did was ask more for more money knowing i was giving them all i had yet they kept taking fees knowing they were destroying me.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

I called in XX/XX/2022 to close all accounts with Wells Fargo. The rep told me all accounts were closed and I owed {$0.00}. Then I receive a letter on XX/XX/2022 showing I owe {$5.00}. I wrote a letter asking them to remove the {$5.00} fee as my account was closed and I should have been assessed fees and to close my account. I received a letter dated XX/XX/2022 thanking me for being a loyal customer. They are assessing fees for accounts I've requested to be closed almost a year ago.
Consumer complaint received 2022-07-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

After noticing that my deferred payments, during the multiple times that I was diagnosed with XXXX, were being reported as past due, I contacted XXXX XXXX XXXXXXXX XXXX in order to have the incorrect information corrected. I contacted their customer service in XXXX, XXXX, XX/XX/2022 and XX/XX/2022, and I explained that I was granted deferrals during the times listed as being late. They indicated that they are reporting everything properly on their end and that I would have to submit a dispute to the credit bureaus in order to update the reporting on all 3 credit bureaus. The customer service rep further explained that no matter what I do, she rarely sees any success when disputing credit reporting information but also confirmed that she saw my deferrals in the system. I submitted MULTIPLE disputes via Transunion, XXXX and XXXX without any success. It is imperative that this information is corrected due to the fact that I am applying for a commercial real estate loan and these payments will hinder my ability to qualify for the business loan.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Usps tracking # XXXX To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency.With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report.Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the XXXX XXXX XXXX XXXX ( XXXX ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights.The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you! Also, federal law requires you to respond within thirty
Consumer complaint received 2022-08-21
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. (FL)

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 USC 1681. 

1. XXXX bank # XXXX 2. XXXX XXXX XXXX XXXX # XXXX has violated my rights. 


15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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.
Consumer complaint received 2024-05-07
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC (VA)

XX/XX/year> I started paying fives lakes law group XXXX every other week. To date there are XXXX in fees and only XXXX paid to any debts.the last 2 months there has been an extra withdrawal from my account which I signed nothing saying anyone can take extra payments.when I asked why another fee was put on me for the exact amount of the deposit so they wiped out my account again.only XXXX of my debts is complete. The smallest XXXX. Its been 18 months. I now have to file bankruptcy and the money was there for my bills.
Consumer complaint received 2024-04-25
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Five Lakes Law Group PLLC (IL)

Enrolled Debt TOTAL ENROLLED DEBT {$14000.00} EST. DEBT REDUCTION {$7100.00} THE COMPANY IS FIVE LAKES LAW GROUP. 

THEY OFFERED TO REDUCE MY CREDIT CARD DEBT. 

I WAS IN DEBT WITH XXXX CREDIT CARDS FOR A TOTAL OF {$14000.00}, THEY SAID THEY COULD REDUCE MY DEBT BY HALF. 

THEY HAVE SETTLEMENTS FOR XXXX CARDS WHICH I OWED {$9200.00}. 

I AM WORKING WITH FIVE LAKES LAW GROUP SINCE XXXX OF XXXX. 

THEY DID NOT GET A SETTLEMENT XXXX XX/XX/XXXX. 

XXXX CARD WHEN I FIRST CONTACTED FIVE LAKES WAS {$4800.00} THEY SETTLED FOR {$6300.00} THE OTHER ONE WAS {$4400.00} THEY SETTLED FOR {$5800.00} THEY CHARGE ME 27 % INTEREST ON THE SETTLEMENT AMMOUT FOR A TOTAL OF {$2700.00} THEY ALSO CHARGE ME {$10.00} & {$14.00} A MONTHE SERVICE FEE I STILL HAVE XXXX OUTSTANDING CARDS XXXX FOR {$3200.00} THE OTHER FOR {$1600.00}. 

THEY SAY THEY HAD TO SETTLE FOR THE FIRST TWO BECAUSE THEY WENT TO LITIGATION.

THEY WENT TO LITIGATION BECAUSE FIVE LAKES INSTRUCTED ME TO STOP PAYING, THEY SAID THEY WOILD BE IN A BETTER POSITION TO NEGOTIATE. BECAUSE I STOPPED MAKING PAYMENTS I WAS CHARGED LATE FEES AND FINES
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$8100.00} Open balance XXXX XXXX Original creditor