davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Titanium Funds (UT)

I am writing to file a complaint against Titanium Funds, also operating under the name XXXX XXXX XXXX, regarding their unauthorized attempt to charge my credit card {$400.00} on XX/XX/year> related to a previous loan they provided me. I was involved in an accident with the previous loan vehicle in XX/XX/year>. My insurance paid off part of the totaled vehicle loan and XXXX XXXX XXXX insisted that I obtain a new loan from them for a new vehicle and they will wipe out the old loan for the totaled vehicle. Titanium Funds in fact did wipe out the other loan. It showed up as PAID on there online payment system. 

Then, on XX/XX/year> they unexpectedly repossessed the replacement vehicle I had purchased, claiming the new loan had never been funded. 

Now, on XX/XX/year>, on the same day they repossessed the vehicle, I was alerted by my credit card company that Titanium Funds had attempted to charge my card {$400.00}. 

This is completely unacceptable. I have already suffered significant XXXX XXXX XXXX XXXX due to XXXX XXXX XXXX XXXX XXXX XXXX actions, and they have no right to continue charging me for a vehicle they do not possess. The accident-related loan has been resolved, and I should not be responsible for any further charges.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still items to be deletd. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-12-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Glasser and Glasser, PLC (VA)

I was notified by my lawyer, XXXX XXXX XXXX XXXX, on XX/XX/XXXX that Glasser & Glasser threatened to take legal action against me if I did not pay the full balance of my account within 24 hours. I found out about 2 weeks later they went to court XX/XX/XXXX for wage garnishment. I called Glasser & Glasser 3 times XX/XX/XXXX at XXXXXXXX XXXX, XXXXXXXX XXXX, & XXXXXXXX XXXX. The third time I finally got someone on the phone and they refused to speak with me because they said I had representation. They were notified XX/XX/XXXX by XXXX XXXX XXXX XXXX that I was not being represented by their firm. Glasser & Glasser still refused to speak to me until XX/XX/XXXX when I filed for a hearing in court to reduce the garnishment. XXXX XXXX, a lawyer for Glasser & Glasser, told me at the courthouse I needed to call her office and workout a payment plan because they had wiggle room, and could settle my debt for less than I owed, and if I entered into a payment t arrangement they would stop the garnishment. I called that afternoon and couldn't get through. I tried again on XX/XX/XXXX and they told me they couldn't speak to me because I had representation. Glasser & Glasser called me XX/XX/XXXX and said they found the letter from XXXX XXXX XXXX XXXX, and they could not settle the debt for less, so I needed to pay the full balance. They were made aware I had {$820.00} garnished from my pay already, and said I still needed to pay the full balance because they don't have the money, the court has it, and they couldnt get it until the next court date scheduled for XX/XX/XXXX. They told me the balance on my account was {$5100.00}, but the summons I got from XXXX XXXX Court said the balance was {$5100.00}. I called them XX/XX/XXXX to verify what the correct amount was, but had to leave a voicemail. My called was returned at XXXXXXXX XXXX on XX/XX/XXXX and the agent I spoke with said she needed to verify with someone else before she could answer that question. As of XX/XX/XXXX, I have not gotten a call back. 

The account in question was from XXXX of XXXX, exceeding the statute of limitations on legal action taken per VA law.
Consumer complaint received 2022-12-03
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. (PA)

XXXX is a 3rd party debt collector who's destroying my credit. Ive even attempted to send a registered security satisfy the obligation. They kept the security and never closed the account out. HELP PLEASE
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (TX)

I am a completely XXXX military Veteran living off of a limited income. Over the last 6 months, my health issues have become so severe that I can no longer earn any excess income nor pay my bills. I have reached out to Discover numerous times and been given no help or remedy for the situation at hand. There is literally no one that will help me or provide information from the initial card agreement stating what remedies are in place in the instance of XXXX. I recently received mail saying I am about to be sued by Discover due to lack of payment. I don't understand why I can get no communication other than being told I am going to be sued. I have no money to take, no assets and no income. I am unsure what needs done for this creditor to work with me or at least communicate other than with threats of lawsuit.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to express my significant frustration and disappointment regarding the numerous attempts I have made to correct inaccuracies on my credit report with Experian and XXXX Credit Bureaus. Despite my continuous efforts to rectify the late open account on my credit report, these inaccuracies persist and are causing harm to my financial well-being. 

Over the past several months, I have made multiple attempts to dispute and correct the late open account on my credit report. These late open account is affecting my credit score and my ability to secure favorable financial terms. Despite submitting the necessary documentation, I have received several responses from your bureau indicating that these late open account have been verified as accurate. 

I would like to stress that these late open account is indeed inaccurate. I have attached the relevant documentation supporting my claim. It is essential that these discrepancies are resolved promptly to prevent further damage to my financial reputation. 

Enclosed, please find the following documents : A copy of my credit report with the inaccuracies highlighted. 
Proof of payments and records demonstrating that these late open accounts are inaccurate. 
Any correspondence I have received from your bureau, including my previous disputes. 
I kindly request that you initiate a thorough investigation into this matter and rectify these inaccuracies on my credit report as soon as possible. This will help restore my creditworthiness and ensure that I am not unfairly burdened with the consequences of these inaccuracies. 

As per the Fair Credit Reporting Act ( FCRA ), I expect that this dispute will be resolved within 30 days. I also request that you provide me with a written response detailing the results of your investigation, any corrections made to my credit report, and a free copy of my updated credit report. 

Please acknowledge the receipt of this letter within 15 days and keep me informed of the progress throughout the investigation process. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

KIA FINANCIAL IS IN VIOLATION OF MY CONSUMER RIGHTS THEY ARE REPORTING 3 LATE PAYMENTS IN MY CREDIT REPORT WICH ARE INCORRECT BECAUSE THE NEVER SENT ME A LETTER 21 DAYS BEFORE THE REPRTED THE LATE PAYMENT TO MY CREDIT REPORT THEY NEVER SEND ME THAT LETTER AND THEY ARE REFUSING TO CORRECT THE PAYMENTS AS CURRENT.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-11-21
Product: Credit reporting 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. (FL)

It has been brought to my attention that my credit report is showing many hard inquiries that I did not give consent to any of these companies to look at my consumer report. 
I did not give consent to the following companies to look at my consumer credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent Experian, XXXX and XXXX a Notice of inaccurate information reporting on my consumer report ; this postage was sent XX/XX/XXXX certified mail with return receipts attached. All three credit reporting agencies received my postage. 

Experian sent me an email on Wednesday, XX/XX/XXXX that my inquiry dispute has been updated and " resolved ''. To my dismay only XXXX of the XXXX inquiries have been removed on my personal consumer report. 

I sent Experian a second Notice of Willful Noncompliance XX/XX/XXXX putting them on notice that they are in direct violation of 15 U.S. Code 1681n ; I suffered greatly with these false, inaccurate hard inquiries showing on my consumer report ; it has greatly damaged my credit worthiness and ability to access extensions of credit. 

This second postage was sent certified mail with return receipts requiring adult signature as well just like the first one. The tracking number is XXXX.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 2024-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

My complaint is against Wells Fargo vie XXXX XXXX XXXX Wells Fargo Bank Customer Service Wells Fargo Bank Customer Service XXXX XXXX XXXX XXXX, OR XXXX Re : Unauthorized XXXX Transactions Request for Refund Dear Sir/Madam, I am writing to formally request a refund for XXXX unauthorized XXXX transactions that occurred on Saturday, XX/XX/year>. The details of the transactions are as follows : - Transaction Date : XX/XX/year> - Amounts : 5 separate fraudulenttransactions ( see XXXX documents attached ) - Recipient : XXXX XXXX for {$9.00}, {$450.00} XXXX XXXX, {$890.00} XXXX XXXX, {$1200.00} XXXX XXXX, {$990.00} XXXX XXXX - XXXX ID 's : ( see attachments for XXXX XXXX ID 's ) These transactions were unauthorized, and I have already reported it to your customer service department immediately XXXX, 2024. Under Regulation E of the Electronic Fund Transfer Act, Wells Fargo is required to investigate and address unauthorized transactions promptly.

As discussed immediately with the fraud department at Wells Fargo, the call came directly from Wells Fargo number via my mobile ( see attachment from my phone records ) and notified me of fraud on my XXXX account and had me cancel the transactions via XXXX XXXX Department. Regulation E, under the Electronic Fund Transfer Act ( EFTA ), provides protections for consumers who are victims of unauthorized electronic fund transfers. Highlight that under this regulation, Wells Fargo has a responsibility to investigate and address fraudulent transactions.

I request that Wells Fargo refunds the full amount of the unauthorized transaction, {$3500.00}, to my checking account within 10 business days Failure to do so will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau and seek further legal advice to ensure my rights as a consumer are protected. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

I cancelled a suspicious order and the vender still shipped the order.

Wells Fargo Claims Team informed me to refuse the package.

I refused the package and the package was sent back to vender.

Wells Fargo Claims denied my claim stating there was no error.

I'm out {$200.00} with no help from Wells Fargo.

Tracking information is USPS XXXX
Consumer complaint received 2024-08-11
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Exeter Finance, LLC. (GA)

15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms Enhance economic stabilization Ensure meaningful and accurate disclosures of lease terms in advertisements Enable consumers to compare lease terms with credit terms where appropriate Limit balloon payments in consumer leasing I want to dispute and delete this off my credit report.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

In XXXX i noticed money missing from my account and i notified Cash app immediately. There were numerous random amounts. They investigated and originally declined the payments and sent them back to my bank account which is closed due to same problem. Cash app informed me the payments they will refund are for XXXX on XX/XX/200 on XX/XX/XXXX, and XXXX on XX/XX/XXXX. All with notes stating " to XXXX at XXXX '' after informing cash app they're are stil XXXX other cash payments by different users that have still not been put into the dispute, they have disregarded my requests. After 3 weeks i was able to speak to a call rep which informed me the XXXX refunds will infact credit to my cash app account since my bank rejected the refund as it is closed. Again I have been going back and forth with cash app explaining this. Now today I am told by cash app rep that my bank declined it. Which in fact they did not. I confirmed with my bank that these XXXX transactions were paid to cash app in XXXX. No refunds have even been rejected as cash app originally stated the refunds were sent and were not. Somehow now they put in their computer it was bank who declined it orginally which it wasnt. I asked for documentation showing this. As i provided them with documentation these amounts were paid and unauthorized by me through my account For over 30 days i get no response in regards to all payments made to this person 's that all have notes of " jXXXX XXXX XXXX ''. They have failed to include all these transactions in my dispute. And now failed to refund stating it was bank error. Bank confirmed payment but cash app states otherwise. Documentation included. I am refused to speak to disputes or to a supervisor and have been hung up on 3 times.