davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-24
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

I took out a Loan from Cash Central XXXX, Al for {$300.00} sense that time I lost my job and also my medications went through the roof so I was unable to pay the Loan back. Every sense that time I have been receiving phone calls everyday. Not a day pass they are calling me and they always call from a different number so I never know who it is calling. They have caused me to pay out so much money at my Bank, at the time my Bank was XXXX XXXX in XXXX, Al. They have caused me to pay out hundreds of dollars in overdraft fees, money that I could have paid them with but they would not stop trying to debit my account. They call every day starting at around XXXX I am telling them the same thing each time they call me that I do not have any money to pay them now if I did have the money I would pay them each month until I paid them up but until my income increase I am not able to pay them. I am on a fix income and I can not pay them now and I can not tell you when I can pay because I do n't know my self. I am so tired of the harassing phone calls I am on XXXX and XXXX and every day it gets worse and worse and I ca n't keep putting up with them calling every day like this it works on my nerves and it up sets me really bad. I told XXXX people that call me that I would try to pay something next month and she screamed at me and said next month, why next month? I told her I had to see how my bills would run and I could not give her and amount so to how much I can pay. I know even if I could pay them it would not be more than {$4.00} or {$5.00} dollars if that much. They just keep calling and calling every day. They have been doing this for the pass 6 or 7 months and I ca n't take it any longer. My nerves are to bad and they runs my XXXX XXXX up by calling every day. If they were to slow down the calls except to may be once a month then that would be helpful a little but I still do n't know if I would have any money to pay them even then. I can try if I have any money left but I seriously doubt it not right now until my bills comes down. I am paying high bills right now and it is taking all of my money to just keep my house going so that I can have some where to live. It 's not that I do n't want to pay them but I do not have the money now. They ruined my Bank account and I had to close it because of all the over draft fees the Bank was charging me. Each day they sent the debit through for the {$300.00} and some dollars and every day the Bank charged me {$38.00} per transaction, I paid out a lot of money to the Bank for these transactions, money they could have had if they would not have kept trying to debit my account. I am so tired of this and I do n't know nothing else to do except not answer the phone but If I did that I could miss important phone calls from other people I need to talk to. I am just tired of the harassing phone calls. This is not good for my illness. Regardless of what I say to them they still call every day. I just want the calls to stop. I will pay something when ever I can.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

See attached document!!! 

On XX/XX/2023. Contact was sent to Transunion Intermediate Holdings LLC and XXXX XXXX XXXX XXXX about several inaccuracies on my report. The following companies instead of acting in my best interest as a federally protected consumer ... Transunion and XXXX continued to add information that is known to be inaccurate. I am shocked at their clear disregard for their duty to uphold the rights enacted to consumers. I am hurt and my rights to privacy have been violated.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ResidentCollect, Inc. (TX)

collection agency trying to collect on apartment that i did not stay in -The apartment was in my name but I never stayed there-person skipped last month rent for which they are trying to collect -sent letters to previous employer and calls harrassing
Consumer complaint received 2024-03-04
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)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2022-11-29
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. (MA)

XXXX has yet to resolve the multiple disputes about incomplete, inaccurate, and unverifiable information and is in multiple violations according to FCRA and other consumer laws as stated in the attach affidavit which XXXX is in default. XXXX has yet to pay invoice for violations, damages etc. 
XXXX is yet to take appropriate actions according to FCRA towards fixing my credit report on the disputed incomplete, inaccurate, and unverifiable information.
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN SOUTHWEST MORTGAGE CORP. (CO)

Complainant was referred by a web lending service to First South Mortgage in XXXX, TX. XXXX/XXXX/2015. Complainant was contacted by said lender and conveyed intentions to secure a refi cash out loan on a Texas rental property and use for the down on a new XXXX loan for a winter home In XXXX XXXX, TX. Loan officer assured me she could handle both loans by XXXX/XXXX/2015. Complainant entered into due diligence with loan agent. Loan agent misrepresented capacity and failed to close on dates promised, Complainant incurred XXXX extensions and addition expense due to lender malpractice. Lender upon indicating they would close the mortgages scheduled the remote notary to my home and it was discovered the refi was not included in the documents but delayed XXXX weeks. Complainant had to scramble and secure {$110000.00}. to provide closing funds to not lose the house. After contacting lender for why I was not informed both loans were not included, they lied and told me they never intended to run the loans concurrent, as was discussed on XXXX/XXXX/2015 and the basis of my awarding the loan packages. Complainant was not informed he was required to post personal funds to close, lender `` XXXX '' the XXXX mortgage and postponed the refi, after ALL due diligence had been done, to the tune of XXXX hours of my time and my secretary for both loans. ON XXXX XXXX lender emailed me, dropping the refi entirely, leaving me holding the bag for {$110000.00}. out of pocket and having to find a new lender to facilitate making me whole. Many details and malfeasance is left out here and can be included at a later date. The Texas XXXX indicate the Application of First South to begin business in Texas was not fully approved as of XXXX, 2015, according to their web site. Lender jumped the gun and began taking referrals from a web site and conducted business with this Complainant in a shoddy and criminal manner, without having completed their obligations to the State of Texas..
Consumer complaint received 2023-01-13
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. (TN)

I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX  Please have the credit bureaus to stop reporting this fraudulent information on my profile. Experian, XXXX, and XXXX are reporting fraudulent information.
Consumer complaint received 2019-10-17
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: DISCOVER BANK (TX)

Discover has known that I was a victim of identity theft, for many months. Discover instead of reporting the fraudulent application on the card they are claiming to continue to report to the credit bureaus which is fraudulent. Continues to close and create a new card number for this fraudulent account. They have done this 5 Different times now. This account is fraudulent, I do not care who they talked to. They attempted to try to dispute this account as Transnational fraud. When In fact the WHOLE ACCOUNT IS FRAUD. They called each merchant, and then lied to me. They told me they also spoke to Law Enforcement, but yet couldn't provide me with any contact details and they continually accuse me of opening the account, when I have never worked at XXXX XXXX, and I have never opened this account. I did not use this account, This was opened from an Identity Thief. Discover doesn't close the account due to identity theft instead they continually generate a new card number, and send it back to the credit bureaus. This account is fraudulent. I want this account removed from my credit reports as I did not authorize this account. You sent the card to a fraudulent address I have never lived at WHICH YOU CONFIRMED, on the phone to me that you sent the card out to a XXXX XXXX Address. That Address was blocked on my credit reports as fraudulent. I never received any card for this account. Therefore the account is fraudulent. This is not transaction fraud this is APPLICATION FRAUD. CARD FRAUD. IDENTITY THEFT. I will be getting my attorney involved if discover does not follow the proper laws to delete this fraudulent account, that I am not liable for because the bank account that was linked to it was also closed due to identity theft, and I have provided them with all this documentation including my affidavit which is attached below, and discover continues to fraudulently report this fraudulent account. They are not abiding by the FCRA Laws for Victims of Identity theft. 

Account # XXXX XXXX {$4600.00} Date Opened reported XX/XX/XXXX. Reported Closed XX/XX/XXXX with a new account number again. 5th Time they generate a new account number instead of closing the fraudulent account.
Consumer complaint received 2023-06-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I had two different loans with credit acceptance corporation. One I was a co signer on the other I was the main borrower/signer. The one I was co signer on was impounded due to my sister who was the main signer being pulled over. It was placed at XXXX in the town we live in. XXXX refused to release the vehicle to me even though I was co signer, I contacted credit acceptance and told them the situation they ended up letting XXXX keep the vehicle and went after my wages to still pay what was left on the loan. XXXX sold the vehicle and I was left to continue to pay on it. My sister only owed less than XXXX to begin with and I paid thousands because they went after MY WAGES! I paid them {$160.00} a month for years until they said they were satisfied! They even had the audacity to send me the title after I paid them thousands of dollars and they knew I never had the vehicle. 

The vehicle I owned was repossessed after awhile and again I didnt owe much on it, I ended up getting it out of repo keeping it awhile longer then decided to just do a voluntary surrender. The payments and terms on the loan were ridiculous to begin with. These ppl take advantage of ppl with limited credit and income. But I still knew I was responsible for what I owed according to the loan terms. Well they resold the vehicle and again tried garnishing my wages for an amount more than what the loan was even for, they didnt even take in to account whatever they sold the vehicle for. Again I was stuck paying them {$160.00} a month for years with no vehicle to show for. I am actually STILL paying on this one. Its been very stressful and took a blow to my income that Im paying them thousands of dollars with nothing to show for it. They use a law firm called XXXX XXXX to attack your wages for ungodly amounts. They should be sued for pain and suffering and have to give people their money back and then some. The most recent garnishment I have from them was from XXXX and I am still paying {$160.00} a month. The previous one was from XXXX. I reached out to credit acceptance on multiple occasions but was always told to contact the XXXX XXXX XXXX XXXX!!!! These people are crooks!!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AE)

After further review of my Experian credit report, I've noticed there are 3 names, 37 addresses, 4 employers and 3 phone numbers and 1 Hard Inquiry which do not match my current records. I need ALL addresses on my Experian credit file DELETED. Addresses reporting on file I do not reside. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is a non-mailable address and therefor inaccurate. Updated address is : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. Updated Name : XXXX XXXX XXXX. Please remove ALL phones numbers on file. Please remove ALL employers from credit file. Please remove 1 hard inquiry.

Failure to remove the requested information will result in an immediate violations of my right to privacy as a federal protected consumer. Further furnishing of the data herein beyond the request for removal will further result in violations of 15 usc 1681n - willful non-compliance.
Consumer complaint received 2023-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (MD)

I cancelled the policy and they started new insurance. They claim because the policy did not start a day prior, I had to pay the remaining balance of the insurance I am no longer using. This a tactic to collect money from me that I do not owe.
Consumer complaint received 2024-03-04
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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-02-15
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: ID Analytics, Inc. (OR)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX and XXXX Account # XXXX and Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and name XXXX XXXX XXXX XXXX XXXX and XXXX number XXXX has violated my rights. 
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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-11-28
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Kohl 's Credit Card Services closed my credit card account without my consent in XX/XX/2023. I called the company to explain that I did not consent to closing my account due to 'inactivity ', but they stated it was their policy and there was 'nothing I could do about reopening the account. ' This is an adverse action that I did not authorize, and according to 26 CFR 1026.13, this is unauthorized use if my credit card.
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

in accordance with the Fair credit Reporting act Credit Collection Service reference file number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have the rights to privacy 15U.S.C 1681 sECTION 604a Section 2 : it also states a consumer reporting agency can not furnish an account without my written permission. and they have furnished on my all 3 credit reporting agencies without my permission as a collection account and lowering my score tremendously.
Consumer complaint received 2023-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

- Charged by a business on XX/XX/23 to my Capital One Venture card. 
- Business did not provide agreed-upon services by agreed upon date XX/XX/23. 
- Capital One reversed the charge on XX/XX/23 and dispute was started. 
- Captiol One re-charged me on XX/XX/23 in favor of the business. 
- Business is providing the charged receipt in their system as documentation and submitted XXXX sentence that the charge was valid. I've given Capital One multiple emails between me and the business to of me attempting to resolve the charges the business and receive the paid-for services. 
- Capitol One seems unable to provide specific information on what I need to document to win the case. 
- Capitol One has not provided me with proof from the merchant that described services that were rendered. 
- Contacted Capitol One to verify they received the documents I provided and I was requested to provide more documentation while the business has no burden of proof to take my money.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

XXXX XXXX XXXX is the Current Servicer Foreclosing On My Home. 
They are Not On Any NOTE or Deed Of Trust. My Loan was Originally Thru XXXX purchased in 2002 and has been Securitized Thru MERS and On XXXX XXXX As a Mortgage backed security. Nationstar is currently the Servicer only and Not On Any prommissary NOTE or not on any Deed Of Trust As an Owner, It is my strong belief that they have NO Standing To Foreclose And have No Rights to my Home especially since it has been Securitized Thru XXXX Years Ago on XXXX XXXX and Put Thru the MERS System. NO Current Note Could Be Found At All By Nationstar ( The Servicer ) Showing Any Proof Of ownership. It is my belief they are committing FRAUD on The Court and Fraud in many aspects.
Consumer complaint received 2024-03-04
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

My XXXX and XXXX reports recently showed three Hard Inquiries that I didn't authorize. I am requesting that they be removed from my credit immediately. 

XXXX ) XXXX XXXX / Inquiry Date : XXXX XXXX ) Capital One / Inquiry Date : XX/XX/2023 XXXX ) XXXX XXXX / Inquiry Date : XX/XX/2023.
Consumer complaint received 2023-06-13
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: ALLIANT CREDIT UNION (SC)

Alliant federal credit union in XXXX XXXX is reporting an account on my credit consumer report ( XXXX ) XXXXXXXX XXXX and XXXX account # XXXX this account was previously deleted from my consumer reports.This is not my account!!!!