davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation (NC)

Approved me for a title loan that was an amount larger than the value of the car, I believe this was a predatory action taken on someone with no other loan options due to credit status after extensive medical bills and a divorce. The car was totaled in 2021, I had full coverage insurance so they paid out the value of the car but the balance of the loan was still nearly 2-3k over the amount that was dispersed, I had a period of hardship for months after that with nearly no income and needing to replace my car as well without any assistance from insurance because it was paid directly to OneMain financial. They contacted me constantly via email, phone, and mail for months until I enrolled in a debt management plan that included this loan. I once again experienced an extensive period of financial hardship this year ( and still am ) and theyve begun contacting me repeatedly again.
Consumer complaint received 2023-07-11
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. (WA)

XXXX XXXX XXXXXXXX IS A FRAUDULENT ACCOUNT REPORTING ON MY EXPERIAN CREDIT REPORT. THIS ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT. I AM VICTIM OF AN IDENTITY THEFT.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I asked XXXX to verify that the Bankruptcy was accurate and how and whom did the verification, the sent me a letter saying it was verified and accurate. They never stated the method of verification which I asked them to supply. I never gave them permission to report anything g on my credit file. I also sent a letter from the bankruptcy court stating they do not report to the credit agency you. a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-09-07
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. (NV)

Transunion is continuing to report information that was identified as a result of identity theft and they refuse to delete the information. There are several inquiries reporting that were not authorized by me. They were provided an FTC identity theft report back in XXXX and have still reported the inquiries as accurate. I have attached a police report and another police report that states I did not authorize these inquiries and they are the result of identity theft as I have no credit accounts attached to these inquiries. Please delete the following 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 2024-03-15
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (PA)

I returned a jacket and hat I bought on XXXX with a XXXX XXXX return label the merchant provided me and the merchant has not gave me my refund or any resolution and is unresponsive to me. I disputed the charge through the credit card issuer I payed with, discover and they closed the dispute in the merchants favor after the merchant provided them my transaction info and the shipping info for the goods sent to me. I sent all my return documentation to discover and they did not even acknowledge it and are saying I am liable to pay the full amount of the original transaction even though I returned the goods. The total transaction is {$3100.00} I had a designer jacket and a hat I returned. The dispute number with discover is XXXX. XXXX also did not even acknowledge my return at all in the documentation they sent discover. I have contacted the merchant again and they are still unresponsive on any refund at all.
Consumer complaint received 2023-11-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC (FL)

In the month of XX/XX/ I noticed multiple unauthorized account on my credit report that I need removed because it has cause me a lot of issues due to them still being on my report. 

On XXXX I have 4 unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GLOBAL LENDING SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
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 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Capital one credit card and XXXX XXXX XXXX 
In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC1681 section 604a section 2 ) also states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 1666b a creditor may. It treat a payment on a credit card account under an open end consumer credit plan as late for any payment.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I am writing to lodge a formal complaint against Wells Fargo for its failure to make funds available from a state-issued check, leading to severe personal and financial hardships over the past XXXX weeks. 

On XX/XX/2023, I deposited a check issued by a state organization into my account at Wells Fargo. Subsequently, I reached out to the bank on several occasions to inquire about the delay in making these funds available. The following Saturday, I spoke to XXXX separate customer service agents, both of whom claimed that the bank suspected the check was fraudulent. Furthermore, that Monday, I met with a branch manager who stated that the funds from the check were not available. It was bad enough, that I had to wait almost an hour to be seen and was told he had to leave to run an errand. I insisted on being seen, especially after waiting for almost an hour without being asked by him or the security officer why I was sitting there for so long. Instead, they both were visibly upset I asked to check why I could not have access to my funds to be told a lie without any way or help to recover my funds. 

To verify the authenticity and status of the check, I contacted the State comptroller 's office directly. They confirmed unequivocally that the check already cleared within XXXX days and that the funds had been transferred to Wells Fargo 's accounts. 

Because of Wells Fargo withholding of my funds, I have experienced significant financial distress. I am unable to pay critical bills, including rent. My phone service was disconnected, and I was forced to borrow money from my supervisor at my new place of employment a deeply embarrassing situation. Most distressingly, I couldn't send money to support my spouse and child, leaving them without the means to cover essential back-to-school expenses. 

It's deeply concerning and distressing that a reputable banking institution would withhold legitimately sourced funds beyond the legal allowable time, leading to such profound personal and financial ramifications for their customers. At the time of writing this letter, I still do not have my funds. 

I urge your office to investigate this matter thoroughly to ensure that such mishandlings does not happen in the future to myself or other customers. I would also like guidance on how to proceed further and any remedies available to address the financial and emotional hardships I've endured due to Wells Fargo 's actions. 

Thank you for your attention to this critical matter. I look forward to your prompt response. 

Respectfully,
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/22, XX/XX/22, XX/XX/22 and XX/XX/22 {$59.00} ( a total of XXXX times ) was taken from my fifth third bank checking account unauthorized and fraudulent. The bank refuses to refund these charges even through they occurred within 90 days of my initial notification to the bank.
Consumer complaint received 2023-11-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Please help us! Lakeview loan servicing/XXXX  will not allow us access to our records. They have been stealing my money. Now I am unable to make a mortgage payment because when I call, Im only told that the company can not access my records either. My husband & I, are first time homebuyers. We have never been late even one time However, the company appears to be keeping our money and/or not distributing our money where it is suppose to go. Now I am unable to make any payment at all, because the company ; lakeviewloanservicingXXXX has experienced a security breach and claims that they are unable to access our account also. Please help! How do we pay our mortgage payment?
Consumer complaint received 2023-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I previously filed a complaint through the CFPB in XXXX of this year concerning credit acceptance and my account and extra fees that I was unaware of the fact that I told the car lot I didn't want the extra service plan it was in fact still charged to me in the amount of XXXX Credit Acceptance has since offered a settlement of XXXX dollars I feel considering I refused the extra service plan and was still charged for it I feel the settlement is unfair considering all the money in interest that Credit Acceptance made off the extra XXXX service plan I didn't agree to I would also want them to produce the original paper contract that has my wet signature agreeing to the extra service plan.I feel this loan should at the very least be closed and settled for zero, I feel as though I am one of many that Credit Acceptance in partnership with car lots do this bait and switch with the service contract to people who refuse this extra plan it's misleading and or fraudulent and designed to be financially damaging to the people who can afford it the least, and if they can't produce my wet signature on the extra service plan I should be reimbursed the XXXX and I feel like I want to see if it was forged and what point was it added because I never agreed to it at this point I have also been advised to seek out a consumer law attorney in this matter but I am hoping the CFPB can help me.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (MO)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX was the student loan debt holder. Student.gov sent me a letter exonerating my balance in full. I sent the letter to Experian XXXX XXXX to clear my debt through their dispute center and nothing has been done to close thos account on my credit report.
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (NC)

I did not owe anything from these Debt Collectors ; XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX. TRIDENT ASSET MANAGEMENT
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I am writing to update/correct my personal information on file .All personal info is incorrect Please inform EXPERIAN to remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-05-17
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. (FL)

I have submitted dispute documentation to Experian on these specific days certified mail. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  disputed inaccurate and unverified accounts/unverified late payments on my credit file. Experian has continually stated these accounts are verified without submitting proper documentation on how these account were verified and who verified these accounts and what method did they use. 

According to the Fair Credit Reporting Act section 609 A-1 a EXPERIAN is required by federal law to verify through physical verification of the original signed consumer contract. 

ANY AND ALL ACCOUNTS THAT IS POSTED ON A CREDIT OR OTHERWISE ANYONE PAYING FOR THE REPORTING SERVICE COULD FAX MAIL EMAIL IN A FRAUDULENT ACCOUNT. 

I demanded from Experian to submit me the original signed contract with my original signature. Under the FCRA unverified accounts must be removed, if they are unable to provide me with a copy of proof. 

After calling this company several times I was refused access to specific information on my credit file after verifying that I am the consumer. I have been giving inaccurate information from my credit file between agent to agent to agent. The Agents of this company is not properly trained. The agents was very unhelpful and was not considerate of the consumer and did not put in any effort to help resolve the issue.
Consumer complaint received 2024-03-15
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. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

There were fraudulent charges on my account for something called XXXX XXXX It was totalig XXXX. The company texted mw and asked if it was me and i texted no They texted back and said i wouldnt be charged and was charged anyways. Once i contactes ticket driver and chime no one dod nothing to help me.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2020-07-30
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. (NY)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name : XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX # XXXX. I have contact the FTC and my local police and I am doing this on my own behalf.
Consumer complaint received 2016-01-28
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Global Recovery Group (OH)

I was contacted over 9 times after I spoke to a representative at this " Global '' company. The rep, XXXX, told my daughter he was a Private Investigator and had papers that I would be served at my job. He said to call back XXXX, and left a claim number. I called the number moments after she gave me the message. I spoke to a very rude rep, requested to have proof of debt sent, and she refused. I requested a supervisor and she refused to transfer me to a supervisor. After she hung up on me, I received 4 phone calls at my place of employment from XXXX and the same rep that called my daughter, XXXX, was calling stating he wanted to verify employment. I told him he needed to call the work number for everyone to verify employment, as we do not verify employment directly through my employer. I told him I was ending the call and hung up. He called my cellular phone an additional 4 times after that, and finally calling my job one final time threatening to come to my employer and serve me with legal papers.
Consumer complaint received 2024-03-15
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. (LA)

In accordance with the Fair Credit Reporting Act this creditor ( XXXX ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a a credit account under an open end consumer credit plan as late for purpose.