davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding false information that has been reported on my credit report by one or more of the credit bureaus. The false information that has been reported has significantly impacted my credit score and has caused me financial harm. 

Specifically, I have identified false information on my credit report that has resulted from identity theft. From my understanding of the law, credit reporting agencies are required to block the reporting of any information that results from an alleged identity theft, except as otherwise provided in the law. However, despite my repeated attempts to dispute and correct this information with the credit bureaus, they have failed to do so. 

I have followed all proper procedures to dispute and correct the information, but the credit bureaus have been unresponsive and have not taken any action to correct the false information on my credit report. As a result, I have suffered significant harm to my credit score, which has impacted my ability to obtain credit, housing, and employment opportunities.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XX/XX/2023 Huntington bank mailed me back a Returned check, and on the check it said I could use it as a real check, so I tried to use the mobile deposit and it processed and got accepted but after a day or two it instantly went negative on my account for no reason.
Consumer complaint received 2018-10-25
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. (NY)

Inquires are showing up my account that I never signed up for or applied for. I wrote XXXX, XXXX and Experian and never heard back about this issue. I have proof of my letter sent via certified mail. This is impacting my score and I never applied for anything with any of these companies. I would like these removed. 


XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX that case transunion still hasn't fixed my credit while the other 2 had my credit fixed in a week and transunion is the one whos keeping me from getting a XXXX credit card. i need them to expedite my reconciliation i do not understand how 2 credit reporting agencies can sort it out in a week and transuninon needs 90 days? please help get them to rectify this thank you.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX ( XXXX : XX/XX/XXXX, XXXX Account # : XXXX ). I am requesting that you submit an URGENT/EXPEDITED request to the appropriate parties ( XXXX, Credit reporting agencies, etc. ) asking that the duplicate amount of $ XXXX listed for XXXX be deleted off of my credit report ( this should have been completed when XXXX became my new loan servicer in XX/XX/XXXX ). My total debt owed lists over {$220000.00} because of this error in XXXX reporting of debt ( one line for XXXX, $ XXXX and one line for XXXX, $ XXXX ). Please correct this error as soon as possible on my TransUnion and XXXX credit reports, as I am quite frustrated with this situation. I am trying to apply for a car loan ( as my car is currently totalled due to water leaks ) but I am being denied by lenders/financers due to my current ( inaccurate ) amount of total debt owed.
Consumer complaint received 2024-03-22
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. (TN)

I have diligently followed the prescribed procedures for reporting and disputing these unauthorized items. However, each time I undertake these steps, I am met with limited success and often encounter unnecessary hurdles in the resolution process. This not only wastes my valuable time but also compromises my trust in your organization 's ability to safeguard my account information. 

The repeated occurrence of fraudulent activities reflects poorly on your company 's integrity and competence in handling sensitive financial matters. 

I urge you to take immediate action to address this issue comprehensively. This should include : Conducting a thorough investigation into the source of these fraudulent activities. 
Implementing stricter security measures to prevent unauthorized access to accounts. 
Streamlining the dispute resolution process to ensure prompt and efficient handling of such cases. 
Offering appropriate compensation for the inconvenience and potential financial losses incurred due to these fraudulent activities. 
Furthermore, I request regular updates on the progress made towards resolving this matter and preventing its recurrence in the future. With this, I am asking for your assistance to remove othese fraud items in my credit file : XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX, XXXX XXXX, TN, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX & XXXX XXXX XXXX XXXX {$6300.00} XXXX & XXXX XXXX XXXX XXXX {$3600.00} XXXX & XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX & XXXX XXXX XXXX XXXX {$6300.00} XXXX & XXXX XXXX Balance XXXX {$3600.00} XXXX & XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Gatestone & Co. International Inc. (IN)

I recently checked my credit report & noticed XXXX XXXX XXXX XXXX XXXX was on there.. there a 3rd party debt collector according to the FDCPA. I refuse to pay this debt to this business that I have never done business or have any obligation or contract with. This company obtained access to my private information unlawfully and has violated my right to privacy. I demand that this company delete this trade line from my credit report immediately. Failure to do so will result in litigation for multiple violations.
Consumer complaint received 2024-03-22
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. (OH)

So fast forwarding to today ( XX/XX/XXXX ) these 3 ILLEGAL accounts still remain on my XXXX, XXXX, and Experian bureaus. Not only are these accounts ILLEGAL, they have the nerve to keep reporting failed payments as of XX/XX/XXXX which keeps DRASTICALLY dropping my credit score. This is beyond illegal. Please remove these items off my credit report. I will not stop disputing! For someone to keep opening and reclosing and account on your credit bureau that is FRAUDULENT does a LOT of damage to your score. Please remove these items ASAP. The opening and reopening of fraudulent accounts, with added remarks is ridiculous. I am STILL going through a NIGHTMARE after these FRAUDULENT accounts were opened in my name and the creditor feels they can reopen anytime when its FRAUDULENT! They are reporting to my bureaus as LATE PAYMENTS on XX/XX/XXXX FOR THESE ACCOUNTS that were illegally opened without consent and the re-opening and closing of these accounts WITH UPDATING INFORMATION SAYING THAT PAYMENT IS LATE AS OF XX/XX/XXXX WHEN FOR THE LAST 120 DAYS I'VE DISPUTED AND TOLD YOU THESE ACCOUNTS ARE FRAUDLENT!!!! THE LAST 4 MONTHS I KEEP GOING THROUGH A NIGHTMARE. SHOULD NOT BE ABLE TO KEEP DOING THIS TO A CONSUMERS REPORT! ITS LIKE THEY DONT CARE. PLEASE REMOVE THESE ITEMS!! 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-09-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION (TX)

Ive payed my mortgage on XX/XX/XXXX in the amount of {$2600.00} which brought me current to XXXX, on the XXXX of XXXX a payment of {$2600.00} was applied to the account which should have brought me current to XXXX then on the XXXX of XXXX a payment of XXXX was made which should have brought me current to XXXX however theyre saying they dont see this payment even though it has cleared on my end.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax has XXXX late payments where there are none in other credit agency or less. XXXX XXXX XXXX XXXX XXXX XXXX XXXX all show 60 days where there 30 days in other reports XXXX  it has 90 days but 0 days in other reports 60 days in March 0 days in other reports
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

ive sent full payment certified mail and return reciept. numerous of times to XXXX XXXX, and payment hasnt been applied to account, furthermoire it remains on my credit report, which hinders me from establishing good history. 

Ive also sent full payments to Capital One, and still nothing happened. im tired of sending payments and these companies arent applying to my account. 

XXXX XXXX XXXX XXXX is the last payment ive made to an organization, and theyve done the same as the others. I want my credit report placed back in good standing and to never do business with them again.
Consumer complaint received 2024-03-22
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. (MA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-03-22
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. (NY)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2018 Both of credit cards were closed without any notice prior to doing so. I attempt several times in the past 3 days to explain the circumstances of a returned payment which was not done intentionally. i selected the wrong payment method after realizing. i contacted capital one immediately and they told me on the phone that everything will be ok. As long i posted payment on due date. i got a notification from XXXX. i feel disappointed that i had to realized from a third party that my accounts were closed. they didnt send me a email or letter. in good faith, i still paid off balance in full after account closed. captial one should understand that mistakes happen and if you cant give exception or second chance then you shouldn't be dealing with consumers. 

I am highly disappointed and I am awaiting to hear back from capitalone in the reconsideration reopening my account. i am in the process of buying a house and i cant allow capital one stop me from doing so.
Consumer complaint received 2024-03-22
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. (DE)

I would like to dispute the following items off my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
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: World Acceptance Corporation (SC)

WORLD FINANCE ALLEGEDLY STATES THAT THE FIDICUARY XXXX XXXX OWES THEM AN ASSUMED DEBT OBTAINED AT ONE OF THEIR BRANCHES. I HAVE NO KNOWLEDGE OF SUCH ACCOUNT. THEY CLAIM THAT THE CONTRACT BEARING XXXX XXXX SIGNATURE GIVES THEM CONSENT TO REPORT THE ALLEGE DEBT TO THIRD PARTY AGENCIES BUT THE CONTRACT RECEIEVED ; DOES NOT HAVE A SIGNATURE BEARING ON PAGE 4 OF 4 " AUTHORIZATION TO COMMUNICATE WITH THIRD PERSONS '' ALTHOUGH, INITIALS ( TWO LETTERS ) ARE PRESENT IT STILL DOES NOT REPRESENT THE FACT THAT THE ACCOUNT WAS MADE TO XXXX XXXX NOR WRITTEN PERMISSION OR PERMISSIBLE PURPOSE TO REPORT SUCH DEBT. THE CONTRACT DOES NOT CLEARLY STATES THAT THE DEBT WITHIN THE CONTRACT WOULD BE REPORTED UPON DEFAULT. WORLD FINANCE XXXX VIOLATES THE LAW ACCORDING TO 15 USC 1605 REGARDING A FINANCE CHARGE. THE LAW STATES THAT WHERE THERE IS A FINANCE CHARGE IT IS DETERMINED TO BE THE SUM OF ALL CHARGES INCLUDING INTEREST, FEES, PREMIUMS AND ALL OTHER CHARGES APPLICABLE. WORLD FINANCE CONTRACT REPRESENTS THAT THERE IS A FINANCE CHARGE. WORLD FINANCE CORP CONTRACT INDICATED PROOF OF PPREDATORY LENDING UPON USURY. WORLD FINANCE CORP CONTINUES TO REPORT ON A CHARGE OFF DEBT AND ATTEMPTS TO COLLECT ON A DEBT THAT IS CHARGED OFF. WORLD FINANCE CORP ASSUMES XXXX XXXX OWES THIS DEBT. WORLD FINANCE CORP IS VIOLATING MY RIGHTS THAT CONGRESS HAS SET FOR CONSUMERS OPERATING IN COMMERCE. 
WORLD FINANCE CORP HAS DEFAMED MY CHARACTER AND DESTROYED MY CONSUMER CREDIT REPORT. 
WORLD FINANCE CORP HAS DESTROYED MY CONFIDENCE IN THE ECONOMICAL MARKET.