davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (IL)

I have 16 payday / installment loans. I live in the state of Illinois. I was not aware that, by law, I should not have been allowed to have more than three & that they should not total more than 22.5% of my income. Why 16 loans?  Because I was constantly trying to catch up one loan with another, thinking that once I brought the one down, I would be able to take care of the new one. Well one led to another and then another, all at astronomical expenses to my wallet. I recently found my checking account in the negative, because I just plain and simply could no longer handle the juggling act. I need help. I didn’t even realize that I had 16 loans, until I really began trying to get to the bottom of my financial crisis. Is this legal for companies to continually extend loans to me, without verifying whether or not I was at the maximum loan amounts for the state of Illinois? How can I get all of this debt off of my back?My Cash XXXX loan # XXXX  was initially for XXXX. I currently owe more towards the principal, than what I took in the initial loan. How is this so? My interest rate is 674% on XXXX? This feels like being kicked in the teeth, after being awakened from a very bad dream! This is not reality, for 674% interest is a long way from realistic! This is robbery!Is there help out there for my situation?
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (MI)

XX/XX/XXXX, We ( spouse ) purchased a vehicle from XXXX XXXX XXXX in XXXX, OH. It was financed through PRESTIGE FINANCIAL SERVICES.I paid my loan relatively consistently until early XXXX. During the loan the vehicle was serviced numerous times, although it was under warranty in the beginning, it came to a point that the warranty expired and all repairs were out of pocket. The last time the car stopped on a busy XXXX highway. I had it towed home and could not afford to have it repaired again. It was just in the shop for repairs only 2 months prior to this incident. I called PRESTIGE and told them to come pickthe car up. I spoke with numerous people XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX just to name a few ... They kept trying to get me to pay even after I told them that I could not afford to continue to pay. they really put on the pressure. After a couple of months pass, I call them again to come pick it up, which they did with no problem. I received a letter shortly after telling me that they have possesson of the vehicle and the date that they would be selling the car in an auction in OH. That date for the sale was XX/XX/XXXX. I received another letter : EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY dated XX/XX/XXXX. It said the car was sold for {$7000.00}, there were costs that totaled {$810.00}. They intentionally left off a credit for GAP insurance. I ( we ) have been checking my credit report since XX/XX/XXXX to see when the amount that I owe Prestige is corrected. It is currently reporting that I ( we ) owe {$16000.00}. I have written Prestige, XXXX, XXXX  & XXXX to dispute the amount owed. Prestige is reporting inaccurate information on a credit report, which is against FCRA. On XX/XX/XXXX, I ( we ) spoke with XXXX at XXXX EST at XXXX and questioned her about the incorrect information and the reason we were not credited for GAP insurance, she stated that my account had not been assigned to anyone yet and they could possibly be waiting on an insurance payment. I informed her that they were reporting inaccurate information and she could only say that it has not been assigned to anyone. I asked how long does it take to be assigned to someone and she said she did not know. She also told me that as of today XX/XX/XXXX my balance is now {$9600.00} because of per diem charges. I don't understand how you can charge per diem when you can not give me an accurate amount of what I owe, if you did not credit my account something that should have been credited? I asked if I could enter into an agreement to make lower payments on what I owe and she told me that I could always send in payments, but they can not say the bill has been satisfied until they get a XXXX balance. If I am correct, I ( we ) should have received a notice with the letter dated XXXX, XXXX cancelling the original contract. There has been ample time to correct this with the 3 major credit bureaus.
Consumer complaint received 2019-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am trying to get the Hard Inquires on my credit reports removed as I did not give permission to these companies to check my credit I have talked to XXXX   and XXXX XXXX and both say they can not and will not help fix these I have called the companys where i could get info on them and they dont and wont do anything even though they can not show where I gave them permision to run credit reports on me all this happened on XX/XX/2018 some even did i hard inquiry twice on the same day I have not tried with XXXX becuase when I try to look and see details they want me to pay also with XXXX there is a collection for {$200.00} and again I cant see who but I have proved this was wrong if it is from a dr on both other credit bureaus I am attaching what info I could get from the the credit bureaus on the names and info on the Inquirys they did not really want to give me the info
Consumer complaint received 2019-08-21
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. (LA)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX;XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingPoint Holdings LLC (GA)

I am a victim of identity theft and I have been disputing information without knowing my true rights as a consumer. Per the FTC as a victim of identity theft the furnisher must delete and I have supplied the letter Notice to Furnishers.

Per the Notice of Furnishers Information they must comply because of the inaccurate information.
Consumer complaint received 2019-08-21
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. (TX)

I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax  where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE delete XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX , XXXX XXXX, US DEPT OF EDUCATION
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

I have no idea who this company is they just reported on my credit report that I owe them $XXXX.  This may be an all debt from XX/XX/2014that they said but it’s affecting my credit like it’s a new debt. I don’t even know why I received this bill back then when my insurance should of covered it. All they are doing is messing up people’s hard work in fixing their credit. This should not have a new negative impact on my credit after all the time I spent to get rid of it. It’s not fair to consumers
Consumer complaint received 2019-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

Account was placed on my credit.I have no knowledge of the account. I disputed the validity of the debt and I have been ignored. I discovered account number XXXX  from a company called National Credit Systems on my credit report. I never received a notice from them nor do I have any knowledge of the debt. I discovered the item on my credit. I sent them a certified letter on XX/XX/2019 and XX/XX/2019.... to date I have not heard back from them however, according to the bureau's they continue to verify the debt belongs to me- they wont even respond to me!!!
Consumer complaint received 2019-08-21
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. (NV)

I sent a Certified letter to XXXX  XXXX  on XX/XX/2019, stating that I was never late on my mortgage and on my credit report it should say ACCOUNT CLOSED AND PAID AS AGREED. I called XXXX them onXX/XX/2019and they had know Knowledge of me or my account. Please ask XXXX XXXX to please report no closed and paid as agreed.Thank you
Consumer complaint received 2019-08-21
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. (NV)

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with XXXX and Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.
Consumer complaint received 2019-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

During the time I attended school,XX/XX/XXXX toXX/XX/XXXX. I received federal loans by my loan service providers,  Sallie Mae and Nazient. However I believe that my loans were designed in a way to prevent me from forgiving my loans under the program, Public Service Loan Forgiveness progtam, or were not forthcoming about any information about my loans which will prevent me from participating in the PLSF program


Please see URL below 

https://XXXX
Consumer complaint received 2019-08-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed account number XXXX is reporting to XXXX, XXXX   and XXXX credit bureaus.I would like the account removed because it contains 3 yr old lates that come from the time when I experienced ACTS OF GOD that prevented me from properly handling my loan obligation.I have an understanding and knowledge of the fact that the bureaus and creditors have not held their customers accountable in time of '' natural disaster '' from'ACTS OF GOD '' that affected the consumers ability to meet their loan commitments.I HAVE EXPERIENCED AN ACT OF GOD AND OCCURRENCE SO SEVERE AS TO MAKE ANY NATURAL DISASTER LIKE A FORREST FIRE SEEM MINOR. 
My recently deceased, divorced father had terminal XXXX. 
There was no one but me to care for him, pay his rent, make all medical decisions, and feed, clothe and bathe him until the end. 
At the time of my lates it was a time period of surgeries, some elective and experimental to save his life.I was younger and overwhelmed with the constant hospital environment and the life or death gambles I was making on my father 's behalf. 
I was late on my loan commitment but caught up quickly. 
Please be a real human being and remove my account as the lates are devastating to my young credit and the fact that I truly did have solid mitigating circumstance, ACTS OF GOD to cause those lates.
Consumer complaint received 2019-08-21
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. (NV)

I sent a Certified letter to XXXX XXXX on XX/XX/2019, stating that I was never late on my mortgage and on my credit report it should say ACCOUNT CLOSED AND PAID AS AGREED. I called XXXX them on XX/XX/2019 and they had know Knowledge of me or my account. Please ask XXXX XXXX to please report no closed and paid as agreed.Thank you
Consumer complaint received 2019-08-21
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. (CA)

I am writing to dispute a fraudulent charge on my account of $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX.                        I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Landing Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-CLOSED ACCOUNTS-1. XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.2. XXXX XXXX XXXX with ACCT #XXXX   opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.3. XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.4. XXXX XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.5. XXXX CARD with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.6. XXXX CARD with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.7. XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.	8. XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.9. XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.-COLLECTIONS-10. XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.11. XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NC)

Discover Card called me to say that they had a clerical error when my resolution of debt was paid off that resulted in me owing $XXXX extra. Discover calls daily 4-5 times a day and leaves a voicemail at XXXX:XXXX   every day. I've told the supervisor who I originally spoke with that I'm available around XXXX:XXXX for lunch to talk. The numbers they call me from are XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. They called me today (XX/XX/19) at XXXX:XXXX XXXX and left a voicemail, and again at XXXX:XXXX. Yesterday (XX/XX/19) I received a call at XXXX:XXXX that left a voicemail and then called again at XXXX:XXXX, XXXX:XXXX, XXXX:XXXX, and XXXX:XXXX. Additionally, I've received NO physical notification to indicate what the debt actually consists of.
Consumer complaint received 2019-08-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Hogan Capital II, LLC (MN)

I requested a payoff as I thought the car had been paid in full but due to move maybe the lien release card got lost in mail. payoff came and shows a balance of {$7700.00} which was more than the letter I had received back in XX/XX/XXXX/XX/XX/XXXX which stated balance was {$6900.00}. I had worked with the company before was told that was balance and no interest would be due. not sure I how I went from owing {$6900.00} to now {$7700.00} especially when i had made payments. I could see if I was of {$1000.00} or so but showing I owed more than originally stated in letter is unacceptable. they then called to see if it was going to be paid off as I had thought of refinancing which of course I can do when the balance is wrong. they are now contacting family members
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I am trying to unlock my credit score with Experian. I successfully utilized their online system and confirmation that my credit score was unlocked appeared at the end of the process. That was on XX/XX/19 and a creditor is still getting notifications that my credit is locked with Experian (it's been 3 days). I attempted to contact Experian via their XXXX XXXX XXXX customer support number and they do not have a live customer service line for consumers. The automated system does not serve my needs, as past attempts to resubmit my credit unfreeze request were unsuccessful with their automated system. They are holding my credit hostage and preventing me from providing this information to a creditor. They are failing to provide an adequate level of customer service to support this issue.
Consumer complaint received 2022-11-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-08-20
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. (LA)

have requested proof of the original obligation and documents as well as the below I am requesting that XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX  Phone: (XXXX) XXXX-XXXX you provide verification of this debt. your account nmber ending in XXXX ,XXXX  each in the amount of $XXXX and beginning with XXXX for XXXX dollars I requested that they Send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt: whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. I need more details about what you claim I owe so that I can make an informed decision. Moreover this debt under Louisiana Laws Civil Code CC 3494 — Actions subject to a three-year prescription and not collectable when reported in XX/XX/2019 and thus a violation of state and federal law. The information is not valid and the information reported is a violation of The Fair Debt Collection Practices Act (FDCPA) the main federal law that governs debt collection practices see 15 U.S.C. § 1692. I dispute the information contained in my XXXX  credit report and Transunion credit report also and request they supply me above requested information Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (CA)

I received a demand letter from Lien Enforcement, Inc. in the amount of $XXXX.The letter states the fee is for towing and storage fees of a company named XXXX XXXX XXXX XXXX.   I am disputing, refusing, rejecting, this demanded a debt amount of $XXXX.  The debt of $XXXX dollars does not belong to me and I will not pay the requested amount.  I never contracted with XXXX XXXX XXXX. for towing and storage services.  I never signed or made any verbal contracting with XXXX XXXX for towing or storage services.  I will be filing a complaint with the Internal Revenue Service to have XXXX XXXX XXXX XXXX. and Lien Enforcement Inc. investigated and audited for fraudulent Lien Sale proceed collections.  I suspect hundreds of other innocent consumers have been a victim of this fraud. In addition, I will be contacting the Federal Bureau of Investigation informing them of the corruption of these two criminal organizations.