davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (PA)

I am with  Fay Servicing  and I was sick with  XXXX  and fell behind   XXXX   months. I was paying  XXXX  month at a time and then when I saved enough to pay  XXXX  months they send me an Act  XXXX  when I was not even   XXXX    days past due. I applied for a modification and was denied because the investor stated I had a modification in   XXXX   XXXX   at which time they raised my interest to 6 %. I am filing an appeal but I understand that I should not have received the Act  XXXX  until I was   XXXX   days delinquent according to your   XXXX   XXXX   XXXX    XXXX  day rule in PA. Please help me in this matter.
Consumer complaint received 2023-07-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (WA)

I am writing to report a phishing attempt made by NetCredit that I suspect is trying to obtain my personal information fraudulently.

XXXX XXXX XXXX XXXX - I received an email stating that I was being denied a loan I did not apply for. The email was from XXXXXXXX and said that my loan application with NetCredit was denied. The email also included my full name, current address, and recent credit score. I checked my credit report and saw that there was a soft credit inquiry from NetCredit but no hard credit inquiry. I went to their website and did a "Forgot my password" with my email address and was able to login to the aforementioned account and change the password. I then emailed XXXX to say, "I received an email declining my loan application. I did not apply for this loan. I was able to get into the account and change the password, but I would like this account deleted as I suspect fraudulent activity." 

XXXX XXXX XXXX XXXX - I received a response from XXXX: "Thank you for contacting NetCredit. This email confirms that you have contacted NetCredit regarding a claim of identity theft/fraud.  We understand this is a serious, time-sensitive matter and will move quickly to handle the situation. Please be advised that before we can address this issue, you will have to file a police report with your local authority.  Please notify your local authority to include your bank account information in the summary of the report. This will further safeguard your credit and may carry additional benefits should you choose to file with the credit bureaus as well.

Also, please provide a signed letter from you with your name, address, date of inquiry, lender name, and reason for removal. This information will be forwarded to the credit bureau in order to have the inquiry removed from your credit report. Please fax or email a copy of your police report and signed letter to XXXX or XXXX. Once we have verified the report, we will handle your claim within 5 business days.

Please note that if we do not receive a police report within the next 7 days, your claim will be rejected. If you have any questions or concerns, our Customer Support Team is available Monday Friday, XXXX XXXX XXXX and Saturday - Sunday, XXXX at XXXX XXXX."

I have not applied for any loan with this company and their request for bank account information seems suspicious and potentially fraudulent. To protect myself from potential identity theft or fraud, I have not provided any information to them. In light of this incident, I request your guidance on how to proceed further. I have preserved the communication I received from the payday loan company and can provide it if needed.

Please let me know if you require any additional information or if there are specific steps I should take.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc. (NM)

My account has started reporting to all three credit bureaus as of XX/XX/2022 with an open date of XX/XX/2022 ( incorrect open date ) and shows a credit limit of {$1100.00} ( incorrect ) with a balance of {$580.00} ( incorrect ), which now has my credit usage at 53 % ( incorrect ). ALL of this information is INCORRECT! I have had this account open for at least a year now, ONLY have a spending limit of {$450.00} ( doesn't say anywhere that it is a line of credit or credit card ), and ONLY have a balance of {$12.00}, which I planned to pay off this Friday XX/XX/2022, so my limit should only be XXXX %. This is FRAUD!
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

We leased a new XXXXXXXX XXXX through one of my companies in 2018. Every payment was made on time and was auto drafted from our account. The dealership we leased the vehicle through no longer existed when the lease was up. We returned the vehicle to the new dealership in XXXX Alabama as instructed. There were no issues, they said we were good, checked all the boxes, and I signed the paperwork. After I asked about several of the extras we purchased through their lease program that were never delivered to us, and we were told we would have a credit issued to us. Nothing ever happened. 

Unfortunately sometime in the last few months XXXX has filed a negative action on my personal credit report for all of {$360.00}. No idea where that came from, especially since they were supposed to owe us money. Now my pristine credit history with exceptional payment history for more than XXXX years looks like I did not make 4 payments on this volvo XXXX and that they charged off the account, even though we paid every payment on time, and returned the car in pristine condition. Furthermore it was leased under my company, not me personally, so why are they putting false info on my credit report? 

I do not see how any company has the power to do this to someone? This is causing me major problems. Any assistance would be greatly appreciated. Thank you.
Consumer complaint received 2023-06-02
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX You are in Direct Violation of the Fair Credit Report ( XXXX account # XXXX ), has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency XXXX  furnish an 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 purpose.

Remove this late payment and update the account immediately as u are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-23
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (FL)

XX/XX/2023 To the Whom It May Concern : Reaching out for your assistance with this consumer. I'm working to improve my credit and that I have sent a letter to validate the account. They are trying to collect, but I am not familiar with this account and do not know its origin. Despite the validation process, they continue to attempt to collect this account, disregarding my request for validation. l need your assistance to resolve this account as it is hindering my credit improvement efforts. 
I have downloaded the proof of my attempt to validate the account, sending a copy of the letter, the stub with the date when they received it and the copy of their letter. Attached is also a copy of my ID to prove that I am the person who is submitting the letter. Thanks for your assistance in advance.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

Here are all the documents Barclays has asked for. This is getting exhausted that Im being told Im responsible for fraudulent charges that are not mine. There are charges on the account that have been charged over 3 times as well. 

This whole investigation is a mess. I have police reports and statements showing the marked fraudulent charges. Im giving Barclays 1 more chance to correct this. 
I have contacted an attorney and they over looked all this and have stated I have a strong case. A representative marked some charges as fraudulent which theyre not and is making this whole case a confusion. And Ive stated that before. Barclays thinks because of that 1 charge that I should be held responsible for the other 30+ charges which is FALSE! I have attached the statements for each account and putting a CHECK MARK on which charges are fraud. 

Please re credit all the charges Ive marked on the attached documents or we will peruse with an attorney instead.
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (FL)

i got  two a ccounts with  US b ank with a low rates promotion, and i set up automatic payment from my bank account for more than a minimum payment of {$45.00} every months, then this bank increase my minimum payment to {$68.00}, {$71.00}, {$72.00} and so on without my authorization, due to my bank charge me overdraft protection fees. not even i called them to close the account and membership of {$99.00} a year never reimbursed to me, and receive a lower APR offer to me not he % 16.99 i have currently in other to pay my debt friendly.   i am wondering is nobody can stop this abusing practice to the customers in  USA , and i hope you can help me to find a good solution f my case.   sincerely   XXXX   XXXX    XXXX  account  XXXX ,  XXXX   US BA NK   XXXX   XXXX   XXXX   XXXX   XXXX  , MO  XXXX
Consumer complaint received 2023-05-23
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: ALLY FINANCIAL INC. (IL)

I have been trying to get this Derogatory off of my credit report for months. I have sent in 4 disputes, and nothing is being done. I have sent in proof what I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (CA)

In accordance with The Fair Credit Reporting Act XXXX Account # 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. 

XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX Acct XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NY)

To Whom It May Concern, My name is  XXXX   XXXX , my property is located at  XXXX   XXXX   XXXX ,  XXXX , NY,  XXXX . I am currently living overseas due to the fact that I have no income and unable to support myself, so I am living with family members. I have been trying to do a short sale on my property since   XXXX  . The short sale was approved in   XXXX   and the buyer was unable to close. I now have a interested buyer and we started the short sale process with the servicer  XXXX   XXXX   XXXX   XXXX  after they contacted us to discuss my options. The BPO ( brokerage price opinion ) was completed and an offer submitted for the investor to review. They denied the option for short sale, the process has been denied  XXXX  by the investor  ( Wilmington Trust )  since their intention is to foreclose on the property and keep it. Regardless of the amount of the offer, the investor is not willing to allow me to short sale on my property and they are trying to force to do a  XXXX  or foreclose on my property. I understand that they have an interest on the property and they owned my loan, but why are they forcing me to foreclose on the property. Also, keep in mind that my property is a really bad shape, it will have to be demolished completely and rebuild due to the mold, pest infestation, foundation problems. I would like the public to be aware of  Wilmington Trust  malpractices.
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters Never has this paper work showed that this Debt is my Debt the only thing they have is paper work that has paper work with a name typed that says, XXXX XXXX I have ask them to Provide me a copy of my Signature They have sent me a 8 pages of Documents But NO Signature I am sending in this Request one last time to Remove This From my Credit Report I will Also Be contacting The Attorney General Office about this matter as well XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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, XXXX, and Experian. 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 The Better Business Bureau, 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 2017-05-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have a payment arrangement wit h Portfolio Recovery Associates.  I make all of my arranged payments on time, through my checking account. I have receipts showing that the payments were sent to  Portfolio Recovery Associates at th e correct account number, but every month I receive a letter stating that my payment was sent to my original creditor, who " forwarded the payment '' to PRA. My check receipts clearly state that the check was sent to the PRA, but both the rep and the  manager  that I spoke to claim that it must be my bank that is sending the payment to my original cred itor ( how wo uld they even know who that is? and why would they care? ) and the only way to resolve the issue is to set up automatic debits through my checking account, which I refuse to do for obvious reasons. They are forwarding my payments to my original creditor and my original creditor is then forwarding the payments back  to PRA, so that t hey can charge me late fees, and bully me into giving them permission to help themselves to my checking account. I just want to correct the issue with the mailing, and have my payments post on time, but they refuse to correct the issue that is obviously on their end.
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( Bank of America ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Consumer complaint received 2019-10-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (LA)

In XX/XX/2013 we purchased a XXXX XXXX XXXX XXXX, financing through Ally Financial. We signed a contract for 72 months. Little did we know, the vehicle had major manufacture defects. At approximatly 120,000 miles we started to notice excessive oil consumption. We began monitoring our oil level daily and took it to a mechanic who then advised us that XXXX had used cheap piston rings in the 2.4L engines and that our piston rings had gone bad and that the oil consumption would get worse. As the oil consumption got worse we took it to yet another mechanic who said the same thing and advised us the only option was to replace the engine because of major scarring and damage inside the engine. We are a family with one income and a XXXX  who is XXXX and has XXXX twice a week, we did not have the money to replace the engine. After speaking to several XXXX dealerships we found that there was a memo from XXXX about the problems but it was not a recall and only covered up to a certain amount of miles, at this point our only option would be to continue to monitor the oil level as XXXX was not offering a solution. By 150,000 the oil consumption had gotten worse, consuming about 2 quarts of oil a week. The vehicle became less reliable, started to loss engine compression, and became harder and harder to start. We contacted Ally to find out why they had changed the terms of our loan, only for them to claim finance charges. We asked if they could rewrite our loan and explained to them the problems we where having with the vehicle and asked to maybe lower our payments so that we could save some money and have the vehicle fixed. They where not willing to help. At this point we had no choice but to find a more reliable vehicle so that our XXXX did not have to miss XXXX or XXXX visits. At this point we have been left with no other options and no where to turn. Ally repossessed the vehicle after 61 days of non payment and will not give us any information as to their intensions, they are going to end up forcing us into bankruptcy because of the changes in the terms of our loan and their unwillingness to rewrite our loan. With the fact that Ally is unwilling to help us and XXXX will not take responsibility for their defect, we feel that we have been wronged by both and have been left with having to make a decision that will affect our family badly, but at this point we have no choice.