davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit, Inc (CA)

On XXXX XXXX I was hit by another driver, 3 months later the vehicle was ready to be picked up which was not exactly true. The vehicle was sopposed to be repaired to atleast safe condition after the insurance company payed more to fix the vehicle than what is owed. I had to keep visiting the repair shop to fix what was not fixed. Around 4 times atleast. For suspension related issues and just poor work overall. Just recently the front assist light came up and also caused the cruise control to not function and after 2 weeks of trying to get a set date ( XXXX XXXX ) I was not able to take it in. I also believe it has frame damage. Since the accident unfortunately I did fall back on payments due to transportation and also the rental which was more than expected just because the vehicle needing more time at the repair shop. I was never reimbursed for the rental which was almost {$3000.00}. All this was mentioned to VW credit and they just wanted payment which I couldn't due to my situation. So I had no choice but to try and sell the vehicle once it was repaired and safe but The car was repossessed recently ( XXXX XXXX ) all while I was in the vehicle. I was taken out and told I had to give the car up for non payment which I completely understand. Any help is appreciated thank you.
Consumer complaint received 2017-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

On Friday, XX/XX/XXXX, a clerical error caused the tuition for my son to be paid in full rather than in monthly installments. The transaction was listed as pending at the time and my wife called to put a stop payment on the unauthorized ACH transaction of {$5300.00}. That morning, by XXXX she had filed a claim over the phone and been into a physical location to speak with banker and ensure that she had done everything that she could to get the process started. She was told to stay by her phone because somebody would contact her regarding the expedited request sometime that day on Friday, XX/XX/XXXX. <P/>At midnight on Friday, XX/XX/XXXX, the transaction was processed and we had yet to hear from the bank. We had to borrow money because the transaction had not only depleted our checking account, but also our Way 2 Save account and still left us with a balance of roughly - {$700.00}. <P/>On Monday, XX/XX/XXXX, we called Wells Fargo back to inquire about our expedited claim. We were told that the claim had not been expedited and that it would take 7-10 days to fix. At that time we elevated the call and were told that the claim would be expedited but that somebody would call us and the claim would take 2 days to complete. With the upcoming XX/XX/XXXX holiday, this means that the claim would not be reviewed and completed until Thursday, XX/XX/XXXX. I stated that the claim should have been expedited on Friday XX/XX/XXXX and that it should have been reviewed and completed by close of business Monday, XX/XX/XXXX. I also stated that since we were not called after we were told to stay by the phone on Friday, XX/XX/XXXX that I would like to stay on the line until I spoke to somebody who could help me. <P/>I was transferred again to a different supervisor who told me that there was nobody there that could help me and that I would need to contact the XXXX number for their executive office. I told him that I would wait on hold so he could call that number and connect me once he somebody that could help me on the line. He advised me that he was unable to transfer any calls from that number, despite working in a call center, and that he would just have to disconnect the call. I stated again that I did not want him to disconnect the call and that I just wanted to speak to somebody that could help me. He then hung up on me. I felt like I had no other option at that time but to seek help through a third party. <P/>I feel like to the payment should have been stopped while it was still in a " Pending '' status. Especially considering we were able to alert them and issue the dispute almost immediately after being notified of the overdraft. The problem was compounded when we were told several things on Friday, XX/XX/XXXX that turned out to be untrue. Additionally, when we spoke to other customer service representatives on Monday, XX/XX/XXXX, they were not only unhelpful, but they hung up on me.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Receivables Fund Incorporated (ID)

In 2013 Unifund, XXXX, XXXX debt collector got a judgement against me for debt they had purchased from XXXX. I was never served a summons, never given a chance to defend myself, therefore never attended any court hearings and subsequently I XXXX XXXX received a judgement. Now 10 years I receive a Writ of Execution and bank account garnishments. I am a married man ( XXXX XXXX XXXX ) and can not understand how this can happen to a Citizen of the United States. 

We can not afford to hire an attorney. Again, I was never served, never notified and never afforded my day in court to challenge the validity of this lawsuit by this debt collector company. I am now learning Unifund CCR , LLC has placed a lien on our property! 

A quick XXXX search and you easily understand this company is crooked who does not follow rules of civil procedure. 

Now we are emotionally scared to XXXX  and trying our best to figure how to report them stop them, reverse this judgement. I can't even believe a judge would rule in their favor when the defendant is not even present to defend themselves. 

Give me a break!
Consumer complaint received 2022-11-18
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Account # : XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On ( XXXX of XXXX ) I checked my consumer report and your company reported an alleged debt on my consumer report. I do not agree with the amount your company has put in my consumer report. Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ). Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Also please keep in mind that only the creditor is the person who can validate these debts. Pursuant to 15 USC 1692a ( 4 ) the term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. Only a consumer like myself are the only people who can extend credit. So therefore, I have created the debt, but I do not own the debt. If you claim that I own the debt than please send me the instrument of indebtness with my signature. Also please keep in mind numbers or ID numbers is not a signature. If you can not provide me this instrument of indebtness than the debt is not owned by me and this has to be removed from my consumer report. Please keep in mind I am not requesting that you send me proof of location information ( my place of XXXX  ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated plus the instrument of indebtness with my signature of me approving this debt. 

Best regards, XXXX XXXX
Consumer complaint received 2022-11-18
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. (TX)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
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. (MO)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3200.00}.
Consumer complaint received 2023-07-11
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. (CT)

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.

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 2022-11-18
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2017-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (AL)

Ad Astra Recovery Associates has placed an account on my credit report that I do n ot owe. I have never received anything in writing from this company nor have I ever seen a contract between the company and myself. I do not owe this debt, I am being held financially responsible for a bill I did not create. I have disputed this account multiple times asking for verification or proof of debt. I have yet to receive any type of information regarding the account.
Consumer complaint received 2023-05-24
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. (MD)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-11
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)

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXk, 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
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-12
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. (FL)

This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX : {$1000.00}, XXXXXXXX XXXX  XXXX XXXX XXXX : {$1100.00}, XXXX XXXX XXXX XXXX : {$24000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$500.00}, XXXX XX/XX/XXXX
Consumer complaint received 2018-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

My servicer for my federal loans is ( XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ). I am enrolled in automatic debit by FedLoan Servicing for my student loans. I am enrolled in an Income-Based Repayment plan. I am also enrolled the Public Service Loan Forgiveness ( PSLF ) program. According to the PSLF program, after I make 120 payments ( 10 years ), then my federal loans will be forgiven. Last year, I enrolled in graduate school, and unbeknownst to me, XXXX XXXX placed my loans in deferment. I never consented to this, and I would have never authorized it if someone at XXXX XXXX had attempted to contact me. As a result of my loans being placed in deferment, I have lost out on ~12 payments into the Public Service Loan Forgiveness program. I complained to XXXX what has happened, and they have sent me documentation with many inaccuracies ( from XXXX XXXX XXXX initials XXXX  XXXX ). First, they claimed that they contacted me regarding placing my payments in deferment. I do not have any such documentation from them regarding this. Second, they claim that they are " required '' to place my loans in deferment if I am enrolled in school at least part time. These federal " guidelines '' state that my loans " may receive a deferment ... if your servicer receives information from the school you are attending that indicates you are enrolled at least part time. If your servicer processes a deferment based on information received from your school, you will be notified of the deferment and will have the option of canceling the deferment and continuing to make payments on your loan. '' Again, this is not a " requirement '' and I was not notified of this.
Consumer complaint received 2023-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

On XX/XX/2023 I sent all documents to Affirm.com billing and customer service showing that i have not received an item a, and the item was cancelled. I have filed a complaint about the company XXXX XXXX XXXX  not wanting to return the funds to Affirm. XXXX  XXXX XXXX actually said that if I remove the complaint with the XXXX  they will refund me or they are getting an attorney and their attorney is sending me a letter they are suing me for filing a complaint,. Now after all this I have forward all email, documents and everything showing i never received the item. And XXXX  XXXX XXXX even Stated that I had not received the item and I sent the email showing the shipping company cancelled it. Affirm is still continuing to withdrawn funds and will not cancel the transaction or put it on hold. I am looking for some assistance with this matter
Consumer complaint received 2023-01-02
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX/ XXXX XXXX Account 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 1682 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (LA)

JEFFERSON CAPITAL SYSTEM has placed a derogatory account on my credit report. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.
Consumer complaint received 2017-05-02
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: SLM CORPORATION (CA)

On  XXXX   XXXX ,  2017 I was doing refinancing of my Mortgage and my credit was ran and the loan officer discovered that I had just received a student loan and my response was that I do not have any student loan. Here is the info about the student loan : SALLIE MAE Accou nt :  XXXX  Opened on  XXXX   Amount  : {$1000.00}
Consumer complaint received 2022-12-31
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX