davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (KS)

On XX/XX/XXXX I applied for financing through American First Finance, to purchase a washer/dryer from XXXX XXXX ( furniture store ). I paid a processing fee of {$53.00} and the account was opened in the amount of {$1800.00}. The payment schedule was bi-weekly for {$150.00}, with a {$0.00} early buyout period that ended on XX/XX/XXXX, for a 2 year plan. The first payment was due on XX/XX/XXXX. I signed in to the online account on XX/XX/XXXX, paid the full buyout in the amount of {$1900.00}, and have an email receipt showing XXXX balance. I was then charged an additional {$150.00} on XX/XX/XXXX. I called American First Finance to inquire, and was told there were additional fees in the amount of {$150.00}. I requested a refund due to those fees not being disclosed and the refund was placed in my account on XX/XX/XXXX for {$150.00}. I was then charged again on XX/XX/XXXX for {$130.00}. When I called to inquire why I was charged again after my account was closed, I was told the account was reopened when the refund was sent. I was offered a pdf document with a small chart that looked hastily made and unofficial.
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (CA)

On the day we purchased the vehicle from the dealership, it was strongly suggested by XXXX the Finance Manager that I purchase an additional Vehicle Repair/Service Plan for {$1800.00} ( which he included in the Loan or financed amount ) which was a Pre-Paid service repair plan which I could use for repairs and service on a future date as needed. 
At no time was I informed and categorically advised that I could lose the {$1800.00} as a result to Non-Usage, I was not informed that I had to use the Pre-paid service plan by a specific date, nor was I informed that the money I was agreeing to pay could be lost and was non-refundable. Had that been disclosed to me, I would Not have agreed to finance an additional {$1800.00} which I could loose. The sales agent NEVER informed me of the potential loss of our hard-earned money otherwise we would not have agreed. This is a clear case of deception and exploitation, and I am a senior citizen who was railroaded into buying additional services with a steep price without being properly informed. 
We paid for the service in earnest believing that we could use the Prepaid service anytime we wished. As stated by the sales agent " Enjoy Peace of mind savings when you pay in Advance '' which is what I expected to receive, this purchase was made at the suggestion if not the insistence of the sales agent just before signing the transaction documents. Upon contacting the dealership to get our money back we were informed that the money is not refundable. {$1800.00}! Gone! without being properly informed about what we were being signed up for.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (FL)

I have formally filed a dispute with XXXX and with NetCredit. I have sent NetCredit screenshots of the disputed balance and asked for a manager respond letting me know what day and time we could speak by phone to review the account with me by phone. The company had someone call when I was not prepared and they did not call back. I simply asked them to call back when I was not driving and in front of my paperwork. I continue to receive blanket statements that are erroneous about an extra payment that I did not have to make, which they split to pay themselves interest and some toward principal. I revoked the payment learning that they would not apply the entire amount to principal, and when I did they added the amount in total back into principal balance. This increases my principal balance owed to be more than it was before I made the additional payment when it should have returned to the original principal amount before the regular and additional payments were made on XX/XX/XXXXXXXX XXXX 

Until this company resolves this matter, my account is under DISPUTE AND SHOULD NOT BE BEING REPORTED TO XXXX, XXXX OR XXXX AT ALL. Additionally, I am only past due, one payment and they are showing I'm past due two payments.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

Beginning in XXXX of this year, I contacted the Wells Fargo trust department in XXXX XXXX, NC to speak with my attorney regarding estate planning issues. I have left several calls as well as my attorney, but no one has returned the calls to discuss the matter. My last call to them was this Tuesday, XX/XX/XXXX. The person I asked to speak with was out of the office. His backup did call me back and assured me that someone would return the call no later than EOB Wednesday, XX/XX/XXXX. Again, neither I nor my attorney has received a call back. 

This is not a one-time incident. In the past I have had a very difficult time trying to speak with individuals at the trust department, so this is representative of their lack of professionalism
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (AL)

Two years ago I took an installment loan from a lady named XXXX at Advance America in XXXX Al and I had automatic payments taken out of my account and the loan was paid off in XX/XX/XXXX today I saw they were still taking money out so I went to their store. They claimed I refinanced it in XXXX and have been taking money out of my bank account. I havent been in the place in over a year. Some guy I have never met claims he was the one I refinanced with and the electronic signature is not mine. I received a large severance package in XXXX when my job ended so I would never have took a loan at XXXX XXXX  interest. They have been taking money from my account twice a month and the original loan was monthly. I have several accounts and didnt catch it until today. They produced a copy of a contract with an electronic signature that isnt mine.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX 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 2024-05-23
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. (OH)

I am writing to dispute the following unauthorized inquiries that appear on my credit report. These inquiries are adversely affecting my creditworthiness and were not authorized by me. The unauthorized inquiries are as follows : Company Name : XXXX XXXX - Inquiry Date : XX/XX/2024. 

I did not authorize these inquiries, and they were made without my permission. Under the Fair Credit Reporting Act ( FCRA ), inquiries can only be included on my credit report if they are authorized, and these were not. I request that these unauthorized inquiries be removed from my credit report immediately.
Consumer complaint received 2023-04-19
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)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi my identity was stolen i still live with my mom in my hometown and multiple apartments out of state and credit cards were opened in my name that I had no knowledge of. Recently, I mailed multiple letters requesting verification of inaccurate accounts reporting on my credit report. All the bureaus including XXXX, Equifax and XXXX ensured that all accounts on my credit report was verified. When in all actuality i never consented anything to be reported on my credit report given im just starting to build credit for future reference.
Consumer complaint received 2023-09-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my PayPal account to fraudulent investment firm ( s ).
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I see that you verified the account listed below : XXXX XXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

XXXX XXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

XXXX | XX/XX/XXXX : Account number : N/A, Not correct. I have no recollection of authorizing this credit pull and I demand this to be removed. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted.

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-20
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)

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide info
rmation about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to XXXX XXXX compliance standards. 

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Balance XXXX  Original creditor XXXX This account does not belong to me and has been listed in error. This account was previously removed from my credit report. It appears it has been sold and relisted.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

I had a Federal Perkins Loan while attending XXXXXXXX XXXX XXXX 

I became XXXX with life-ending conditions. I submitted a Total and Permanent Discharge to XXXX which was approved on XX/XX/2023. 

XXXX sent notification to XXXXXXXX XXXX XXXX, for they and XXXX XXXX XXXX were handling the Federal Perkins Loan. 

XXXX and XXXX received notice from XXXX on XX/XX/2023 notifying them that a TPD discharge of federal loans had been approved and to 1. Discharge the Debt on their end or 2. Return the loan to XXXX and they would discharge it themselves. 

Because of various complications, this item has been appearing/disappearing from my credit reports for 6 months, and every time it reports my credit score plummets. Sometimes it shows the account open, sometimes closed, other times with many, many negative/derogatory marks, sometimes in deferment ( which it isnt ), its discharged. 


As of today, XX/XX/XXXX, I was notified by the CRA that I had a series of seriously delinquent late payments on my report.

I have 5x120 day lates, multiple 30, 60, 90 day lates as well.

Ive tried taking care of this matter but it seems futile. 

My health is extremely poor, and I have XXXX XXXXXXXX including an aneurysm which will at some point end my life suddenly.

Im not asking for sympathy, but perhaps some empathy. My credit reports and scores are the first thing Ive been waking up to everyday, and its the worst feeling ever.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX SSN : XXXX D.O.B : XX/XX/2024 Attn. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX 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 document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in the fraudulent account, I expect to see original proof of the accounts that I am listing below. Your failure to verify these accounts may 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. Please verify and remove the following immediately : ACCOUNT NUMBER COMMENTS XXXX XXXX XXXX Not my account XXXX  XXXX XXXX Not my account XXXX XXXX  XXXX XXXX Not my account XXXX XXXX  XXXX XXXX Not my account XXXX XXXX  XXXX XXXX Not my account Please note that I have opted out in writing of your forced arbitration terms and a willingness to seek legal relief. I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance to the FCRA.
Consumer complaint received 2023-09-16
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. (MA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXXXXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

So I got a car approved through credit acceptance and I ended up going to XXXX. When I was released I had no car. I found out the car was stolen and wrecked. I later found out some towing company had it and wanted me to pay over XXXX just to get it out. Later found out it was auctioned and yet credit acceptance knew and kept wanting me to pay
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AZ)

on XX/XX/2023 chime bank closed my account that i held with them for more tha 7 years abruptly with no explaination as to why they were closing my account. this has affected me greatly as now no banks are accepting to open accounts in my name. i have no issues whatsoever that can warrant this closure. 

i requested a reason as to why but they have not given me any answer at all. any communication with this has been futile.