davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (TX)

I bought a truck from from a gentleman for XXXX dollars then later found out it had a title loan on it from Titlemax. I highered a private XXXX to try and find out more about the situation, on XXXX XXXX, 2022 Titlemax had the truck repossessed along with all of my tools. The truck was not running at the time of purchase and I had been working on in for about a week, hence my tools being in the truck. My investigator notified Titlemax about this and they stated that they would have to get with their highers to get permission to let me get MY property out of the truck. I was notified later that evening that Titlemax authorized me to get my property but I had to drive to the recovery yard to get them, so the next day, XXXX XXXX, 2022 I drove for over an hour to XXXX XXXX XXXX in XXXX, Texas. I arrived at approximately XXXX I explained why I was there and they told me the truck was not there it had already left for auction in XXXX XXXX XXXX Texas XXXX I asked about my tools and property that was in the truck and I was told they didn't have it, I asked if an inventory hand been done before they took the truck which is Texas state law and they had told me no. I was told that I had 10-15 days to dispute any of this but found out that the truck is already at the auction house in XXXX XXXX XXXX Texas and is already being advertised on the XXXX web XXXX stating its value as {$2400.00} dollars, this has all happened in less than two days! I am trying my hardest to prevent this from happening but I seem to be losing this battle!!! I later found out that the loan was for {$1500.00} dollars, my tools and code reader was worth 5 times that!
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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. (NC)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX  XXXX XX/XX/2021
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Usaa My account was croupted 4 mths ago usaa send 3 new atm cards and I closed my checking account. All attempts were by ach I had over 20 within 90 days sometimes 3 a week Usaa would always refund any money taken and fees. However after 3 attempts in one week it takes an 10 business days to settle each event. Preventing me from closings the account in the mean time 3 more would come in same account number different name you would think they could figure it out after speaking with 4 mangers a fraud department twice. There suggestion is for me to pay the {$29.00} overdraft fees and close the account Now I already been refunded the money taken this is about the overdraft fee which I refused to pay All I want is to close the account
Consumer complaint received 2022-10-11
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. (FL)

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company (IL)

In XXXX of 2020, I requested a forbearance on my home loan with FreedomMortgage under the CARES Act. After an initial delay in action on the part of FreedomMortgage,  which compelled me to file a complaint with the CFPB, a 180-day forbearance was granted and my XXXX mortgage payment was agreed deferred under the CARES Act.  In early XXXX 2020, I phoned FreedomMortgage to cancel the forbearance and issued full payment by bank ACH on the deferred XXXX payment. On XXXX XXXX 2020, I received notice from the XXXX  credit bureau that FreedomMortgage had reported my XXXX payment past due ( in violation of the CARES Act ) and this resulted in a reduction of 93 points on my FICO score and difficulties refinancing my loan through another lender on the same terms and conditions as originally quoted.
Consumer complaint received 2022-10-11
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: Fidelity National Information Services, Inc. (FNIS) (FL)

It is the second dispute that I have made to this agency, where there is wrong and unauthorized information, they did not provide me with evidence proving that said information is mine or authorized by me. ChexSystems, I must also conclude that you are reporting this information in error. 
Please note that your failure to respond to my request is a violation of the Fair Credit Reporting Act, as well as the continuing list of inaccurate and unverifiable information. 
information in my file. Unless I am notified otherwise within 30 days of receipt of your this notice, I will conclude that you and have waived all claims in this matter and that the matter is definitively closed. 
Similarly, if it is not removed from my ChexSystems file, I will file a lawsuit in small claims court to recover damages for your continued violation of the FCRA. 
Please note that this communication, for purposes of 15 USC 1692 et seq, has the same effect as a dispute over the validity of the alleged debt. This communication is also dispute over the validity of your claims related to. 
This communication has been sent in an attempt to correct your records and preserve my rights under the FCRA. Any information obtained from you will be collected as evidence if this matter remains unresolved. Please note that this letter is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (GA)

XXXX XX/XX/2022. 
PLEASE DELETE INQUIRY. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2024-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

I am currently enrolled as a XXXXXXXX XXXX XXXX XXXX  and have been deferring my XXXX EdFinancial student loans while completing graduate school. Prior to XXXX  school, I was paying my loan and had setup autopay. 

On XX/XX/year>, I was charged {$360.00} via auto-pay on EdFinancial loans that should have been deferred. I realized this on XX/XX/year> and contacted EdFinancial via their " Contact Us '' web portal. I asked why this auto-payment occurred given my status as a XXXX student and if it could be reversed. 

It should be noted that this webform is difficult to use. Only special characters in this list are allowed :.,? & %! @ $ ( )/ which left me hunting for the character ' I used in the contraction " I'm ''. I noticed a similar complaint about this webform was made on XXXX. 

I received a reply on XX/XX/year>, that I would need to send in a form for deferment that required XXXX business days for processing and that the XXXX payment would not be reversed. I saw that another payment was scheduled for XX/XX/year> leaving a very small window to get the form submitted. 

I called EdFinancial on XX/XX/year> to ask why my deferment wasn't applied this semester when it had been automatically applied for all other semesters I've been in XXXX  school. The person helping me told me that a database is updated by my university to list my enrollment status each semester and that that database is checked to apply deferment automatically. I asked if the database had be updated to reflect my status as a current student and if so, when it was updated. This person informed me that it did show me as a current student and that the database had be updated in late XXXX, more than 2 weeks before my auto-payment was applied! 

This person then submitted a ticket to ensure my deferment was applied for XXXX, but again informed me that I could not be refunded the {$360.00}.
Consumer complaint received 2019-10-07
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. (MO)

Not sure how many times and how many ways one can say that his identity has been compromised and used to fraudulently open up accounts and hospital Bill 's inwhich that is the case here, Therefore I'm demanding that the following accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1400.00} 2 ) XXXX  XXXX  {$1300.00} 3 )  XXXX XXXX XXXX  {$14000.00} 4 ) XXXX XXXX {$4100.00} I'm requesting physical documentation inwhich supports the major credit bureaus for reporting these accounts. Exactly what Method of Verification was used when reporting these fraudulent accounts to my credit file. Please remove immediately.
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

My mortgage was sold to Shellpoint Mortgage servicing while I was in Forbearance due to Covid and loan modification with previous lender ( XXXX XXXX XXXX XXXX. I was told by XXXX XXXX XXXX that my loan modification documents would be transfer over to Shellpoint Mortgage Servicing. I contacted Shellpoint via phone calls and emails. I sent email to XXXX XXXX my contact person on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I made phone calls to him on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not receive any response from all the attempt to contact him. 
I resubmitted all my loan modification documents on XXXX according to their instructions. I was able to connect to a representative but not XXXX XXXX my contact person. She can not confirm if they received my documents or able to connect me to XXXX XXXX. I was told to continue to wait. I addressed my concern that the payment and interest continue to accumulate and needs to be resolve as soon as possible. I do not want to have a foreclosure or further debt. I have exhausted all avenue to communicate and work with Shellpoint to resolve this issue. Please advice and help with my situation. Thank you!
Consumer complaint received 2022-11-29
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: Resurgent Capital Services L.P. (NC)

In accordance with the Fair Credit Reporting Act the following companies LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

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

15 U.S.C 1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

My XXXX XXXX XXXX XXXX Account was removed from reporting on my Equifax back in XXXX of 2021 for not reason. Although it was removed from Equifax and they refuse to provide a reason as to why, the only way the Equifax will restore reporting of the XXXX XXXX XXXX Account is to have XXXX  send them a reinsertion letter and updating the account information. I have tried for several months to get XXXX to do this yet the keep giving me the run around and repeatedly tell me that since Equifax removed the account, it's Equifax 's problem. This of course is not true since Equifax is telling me that the only way they'll start reporting the XXXXXXXX XXXX  XXXX XXXX account again is if XXXX submits a reinsertion letter. For nearly a year XXXX and Equifax has blamed the other for the account not reporting on my Equifax Credit Profile.
Consumer complaint received 2022-05-01
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: SYNCHRONY FINANCIAL (CT)

In accordance with the credit Reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have to right to privacy.

15 USC1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : 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 2019-10-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Figure Technologies, Inc (FL)

I have accumulated a lot of debt. In early XX/XX/2019 i received a mail from Figure. 
Pre-approved 2nd Home Equity loan They sent me some forms to sign. they never asked me why i wanted the money. Then without my knowledge the monies were in my account. 
It wasnt what we discussed. I used the funds to payoff XXXX< XXXX and XXXX. 
When I started reading everythin i realized the the interest was 8.99 % and a {$3000.00} service fee. I called them and their answer was we did the the best they could. After repeated calls. I showed some papers to XXXX. Their loan officer said that this loan should have never happened based on the fact I didnt qualify by a mile. I have an equity loan with XXXX. I pay my bills on time. However with a payment over {$1000.00} per month i will not be able to make these payments. If they would have returned my calls I would have cancelled. I asked if I could pay down the loan if I had a windfall. No answer.
Consumer complaint received 2024-11-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MA)

Last year, in XXXX of XXXX, someone tried to fraudulently deposit a check I wrote to my landlord for XXXX rent into their Wells Fargo Checking account. Wells Fargo contacted me regarding this, and I filled out the necessary affidavits to have the funds released to me ( {$2000.00} ). I was told I would have my funds within 120 days. That was well over 300 days ago. The bank I was with at the time ( XXXX XXXX  ) has since informed me that they aren't receiving any additional information from Wells Fargo and requested I complain through CFPB. I did this, and received a call from XXXX with XXXX Complaint Management with Wells Fargo ( XXXX ). She left me a voicemail saying she was looking at my case, but did not request any information from me. The next time I heard from her she said that she had closed my complaint because she did not get any additional information about the situation, during which time I reminded her I had never been asked to provide anything. She took down my information and story, and told me she would reopen the case so I could have this dealt with. I then waited 2-3 weeks, and called her again, looking for an update. I then proceeded to call her every day that week, sometimes more than once. I received one voicemail in return, the 2nd day I tried making contact. That was over a week and a half ago and I have not received any additional contact or information on where my funds are or how I can get them back. I don't bank with Wells Fargo, never have, and there is NO reason for them to STILL have my money, 50 weeks after this initially began.
Consumer complaint received 2020-05-14
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. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$330.00} XXXX XXXX XXXX {$1700.00} XXXX   XXXX {$19000.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX {$340.00}
Consumer complaint received 2020-05-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accounts Receivable Services (TX)

XXXX XXXX Account REceivable Services has repeatedly called friends, telling them my business, calling and threatening to have me arrested, and sued, and seize all my belongings. This began on XX/XX/2020. I have told them to stop calling me, and stop calling my job and my friends about my personal business, but they continue to do so.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.