davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (NV)

I have recently faced the unfortunate situation of losing my job, which has caused financial strain and difficulty in meeting my bill payments. During this time, I encountered an advertisement from OneMain Financial offering a short-term loan. Without thoroughly reading the fine print, I proceeded to obtain the loan. However, I soon found myself falling behind on payments and struggling to afford both the loan and the company 's charges. 

To my dismay, OneMain Financial offered me another loan with a slightly higher amount to assist in paying off the initial loan. However, this came with additional fees and an increased interest rate. As a result, I am now burdened with the obligation of paying {$230.00}, and failure to do so would lead to my account being sent to collections. 

In my attempts to find a solution, I reached out to the company to negotiate a smaller payment. They agreed to accept {$110.00} on XXXX occasions, but after that, they expressed their inability to assist further. Compounding the issue, each day I am unable to pay the full amount, the interest continues to accrue, similar to a car loan. 

Had I been aware of these unfavorable terms, I would have never taken out the loan. It is clear to me that OneMain Financial has put me in a difficult situation without showing any concern for my well-being. I am in desperate need of assistance. Any help you can provide would be greatly appreciated.
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 — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC (MN)

Back in XX/XX/2021 a furniture company XXXX XXXX XXXX lied that I took furniture from them. Which they can not prove. Ive asked the lender several times to provide the POD they have refused. The lender is called Acima
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

I am writing to dispute the accuracy of the information being reported on my credit report by the listed creditors. I have already disputed these items with the credit bureaus, but the creditors have failed to provide verified information in response. As such, I am seeking your assistance in enforcing my legal rights under the FCRA and FACTACT. 

The inaccurate reporting by the creditors is causing serious harm to my financial wellbeing and has been affecting my ability to secure loans or credit. These inaccuracies have caused my credit score to be artificially low, making it difficult for me to obtain credit at reasonable rates. This has also resulted in me being denied credit opportunities and has made it difficult for me to obtain the financing I need to make important purchases. 

For instance, XXXX XXXX XXXX ( XXXX XXXX  ) has been reporting inaccurate account type and monthly payment information, which is a clear violation of the FCRA. Similarly, XXXX XXXX XXXX  has been reporting inaccurate account type and monthly payment information. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have all been inconsistent in their reporting of account type and monthly payment information across different credit bureaus, which is a violation of FACTACT. 

These inaccuracies have had a significant impact on my life. For example, I have been trying to secure a mortgage to purchase a home, but due to these inaccuracies, I have been denied the loan. Additionally, I have been unable to obtain credit for other important expenses, such as a car loan or a student loan, which has further hindered my ability to improve my financial situation. 

Therefore, I request that you assist me in enforcing my legal rights under the FCRA and FACTACT. Specifically, I request that the listed creditors remove these unverified collection accounts from my credit report. I believe this will help me improve my credit score, which will, in turn, enable me to obtain the credit and financing that I need to live a better life. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (OR)

On XX/XX/2023 i got a fraud alert on my equifax XXXX XXXX consumer reports. i immediately gave both agencies a call about this fraudulent hard inquiry. they informed me that the fraudulent hard inquiry would be removed within 24-72 hours. i provided both companies with an FTC report, CFPB report original copy from XX/XX/XXXX, XXXX i also made reports with the XXXX & Attorney General of Oregon complaint center.
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (TX)

In 2014 I was approved for in store credit with XXXX. I went and purchased a washer and dryer. A week later the merchandise was delivered but it had been damaged, scratched and dented up. I asked that it be replaced, a few days later they showed up with new merchandise but this was damaged as well. It was replaced a third time with more damages so I went into the store and spoke with the manager and had my account closed, they refunded my deposit and scheduled for the merchandise to be picked up. This all happened before my first payment was ever due. Now 3 years later it is on my credit report as if I still have the merchandise and as if I never made payments. My account was closed and merchandise was returned so why would this be on my credit. Now XXXX has sold my debt to a collection agency making it look really bad on my credit. It needs to be removed from my credit as it is a false debt and not mine. I refuse to pay for a debt that XXXX created based off of their wrong doing. I have fought and pleaded to have this resolved over the years and all they are telling me is to pay the debt, even though it has been acknowledged by the store that they were in the wrong. Every time I call they said they cant find my account but now I am getting collection letters with my account number on them. I feel they are saying they cant find it because they do not want to help me resolve the issue and get it removed. Please help me!! You are my only and last option.
Consumer complaint received 2023-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I request LVNV Funding LLC validation of allege debt {$1700.00} or cease and desist all harassment of allege debt. I am requesting VALIDATION made pursuant to 15 U.S. Code 1692g Sec. 809 ( b ) validation of debts, or removal of alleged debt in the total amount of {$1700.00} from LVNV Funding LLC. They have failed to provide the VALIDATION OF DEBT, FDCPA 15 U.S.Code. 1692c ( a ) states communication with the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given LVNV Funding LLC, the above written consent to contact me in connection with the collection of any allege debt. I do not have a signed contract with LVNV Funding LLC and I am unaware of how they have obtained my personal identifying information without my knowledge and consent. I have not signed a contract form to authorize LVNV Funding LLC to have access to my personal information. This information collected by LVNV Funding LLC clearly is a gross and tortuous effort to disregard my privacy and clearly violates my rights as well as FCRA and FDCPA laws. I am disputing the validity of this allege debt. Specifically there does not exist a written contract signed by both parties and me as specified in the Doctrine of Privity creating a contract that obliges me to pay LVNV Funding LLC. I request LVNV Funding LLC, provide a signed contract between LVNV Funding LLC and me regarding the allege debt or immediately cease and desist all harassment of alleged debt and remove items totaling {$1700.00} from credit reporting agencies, XXXX, XXXX and XXXX.
Consumer complaint received 2023-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Good evening, My husband and I obtained a fixed-rate conventional mortgage in early XXXX. Initially, our monthly mortgage was approx. {$2000.00}. For the last 4 years, Wells Fargo has sent us letters each year stating that we are behind in our escrow account. In late XX/XX/XXXX, we received another letter stating that we are now {$4000.00} dollars behind in our escrow account which raised our mortgage to {$2600.00}. That is alot of money added to our monthly payments since we obtained our loan. We were only given 30 days until the payment adjusted. I have not ever had this happen before and I believe something unethical is occurring. We have a fixed loan so why has the mortgage adjusted by that amount? I'd like to request assistance on getting this resolved by having this investigated. Consumers obtain loans based on what they can afford and don't expect to be blindsided in this manner.
Consumer complaint received 2023-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

On XX/XX/XXXX I filed an identity theft report with identitytheft.gov and reported the errors on my credit report due to identity theft. I mailed my identity theft report with all requested documents to LVNV Funding LLC and was informed that my case was being investigated. 

I am a currently XXXX XXXX XXXX college student and the LVNV account dates back to XX/XX/2017 that means that account was fraudulently opened when I was XXXX XXXX XXXX. 

As to date the company has yet to remove the fraudulent account of my report which is negatively affecting my credit score.
Consumer complaint received 2024-03-29
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. (DC)

I kindly request that you remove these inquiries, as it does not belong to me, and I have no association with the listed creditors. I urgently request that they be removed from my credit report cause they have a negative impact on my credit report.
Consumer complaint received 2023-03-25
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC (NJ)

To whom it may concern : I am writing to dispute the debt you claim I owe you. I have never signed any contract with your organization or purchased any goods or services from you. Therefore, I need clarification as to why you are attempting to collect a debt from me that I do not owe.

As far as I know, I have no outstanding debts with your company. Furthermore, I have not received any bills or notices of overdue payments from you. Therefore, this is a mistaken identity or a fraudulent attempt to collect money from me.

I request you provide proof of the alleged debt, including the original contract, invoices, and other supporting documentation. It is my right as a consumer to receive this information, and I will not be making any payments until I have reviewed and verified the debt 's validity.

I appreciate your attention to this matter and expect a prompt response from your company. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (MO)

I settled with Discover Financial on a debt which I dutifully paid for a year. XXXX and XXXX  tried to collect a sum over and above the agreed upon amount - not by much, maybe less than {$100.00} of what was agreed upon, but when I closed the account believing that we had settled the agreement, they then rescinded the agreement with Discover. I was represented by a lawyer who made this agreement, when XXXX XXXX  XXXX contacted my attorney separately by phone to negotiate this agreement. I repeatedly tried to call XXXX XXXX XXXX to straighten this out, and the representative was rude and hung up on me and would not give me receipts of payment or discuss the matter with me. That was over 4 years ago, and now I'm being sued for this same debt that I already paid.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX .... Balance : {$2000.00}
Consumer complaint received 2022-11-29
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. (NV)

In accordance with the fair credit reporting act convergent account number XXXX XXXX XXXX XXXX opened XX/XX/2022 amount of {$1400.00} has violated my rights. 
I am not responsible for such debt. I have verification from original creditor XXXX XXXX that I owe {$0.00} debt. Please remove this debt and the incorrect information immediately. 

Statue 15 U.S.C 1681 section 602A states I have a right to privacy.

Statue 15 U.S.C 1681 section 604A states a consumer reporting agency can not furnish a account without written instructions from the consumer. 

I am this consumer and I do not give permission to furnish information on my report at this time.
Consumer complaint received 2023-03-25
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-26
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2022 my brother and I was extended credit by Wells Fargo auto and we signed a fraudulent auto loan contract at XXXX XXXX XXXX. At the time we weren't aware of the fact that the contract was a fraud due to the fact of them willfully and purposely withholding information for the purpose of their self benefit and gain. Wells fargo auto/ XXXX XXXX XXXX failed to disclose to us the finance charge inconspicuously. They never even mentioned a finance charge to either of us as they rushed us through the contract to sign and keep signing. This Violates the Truth in Lending act along with a line of many different criminal charges. As soon as we were aware of this which was two years later in XXXX we immediately sent them a Notice of Rescission of Signature/ Notice of fraud on XX/XX/2022 where we explained to them what happened and that they needed to resolve this matter. 15 U.S. Code 1605 Determination of finance charge states that in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss meaning that they were responsible to cover the total amount of the Auto insurance premium for the entire life of the contract. Instead they made us responsible to cover the cars insurance separately. This is illegal and fraud. 

They also failed to disclose the right to rescind via mail/ email. 12 CFR 226.15 - Right of rescission sec ( b ) Notice of right to rescind. In any transaction or occurrence subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ).
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I called Equifax yesterday about the concerns about why my score has not been reported to credit karma. So I got in contact with credit karma they stated that Equifex wasnt report my score to them, they havent update my Equifax score to the company. So when I called Equifax fax they give me a lame XXXX excuse saying they are reporting my score every month. I told the bureau that credit karma stated the last report was XX/XX/2022 they sit own the phone lie in my face! Which I have proof they never updated nothing!
Consumer complaint received 2023-04-13
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX Sc, XXXX XXXX XXXX Its been over 30days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have nt supplied this information and they must delete the alleged payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible Accounts name : XXXX XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX XXXX # : XXXX
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Mitsubishi Motors North America, Inc. (VA)

XXXX XXXX is a company that I want to get a car 2021 Mitsubishi Maroge and I has so many issues with that loan. It just never fails I feel like I never was paying anything I was paying over {$3000.00} towards the car and it still interest is kept going and the person that sold me the car it was if you already he did some things of saying dont tell the bank that youre going to get the car because I had a cosigner and the person surrendered the vehicle I did not surrender the vehicle. I told him that I no longer can afford the payments and he never told me that he was going to run to the vehicle. His name is XXXX XXXX.