davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (IL)

My car was taken after I had paid my loan off. XXXX XXXX would not work with me and said that my payments didnt go through. I just fear this with XXXX and not much happened. This on my credit report until XX/XX/2022is not sufficient and it is been the main source of killing my credit. I cant get loans For medical reasons.I can not get Credit cards I was just approved for my first one because I just disputed so many things And they were taken off. There are about seven different ones for a XXXX XXXX that are paid and closed at XXXX dollars and exceptional payment history there is one that is the charge off and the past due amount it is {$11000.00} and it just says paid closed and 52 charge offs. This is the main thing that is killing my credit. Every single thing from XXXX XXXX except one is paid and is in perfect standing. This should also be in perfect standing like the others but it says there is that {$11000.00} that is due. The report number was XXXX.
Consumer complaint received 2022-12-27
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)

I sent my letters of XX/XX/22 I told credit bureaus to '' investigate every piece of information '' on accounts I have listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I am wondering why EXPERIAN Credit Report would have the following negative report on my records for 28 years. Date open XX/XX/1992 account in dispute under FCBA and closed by consumer. 
I called XXXX XXXX today and they have no record of this account in regards to a credit card. 
I will be looking for EXPERIAN to compensate me financially for the attached reporting ; causing me to pay a higher finance rate, interest on loans for the last 28 years.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to address a serious matter regarding inaccuracies in my credit report that have arisen due to identity theft. Despite my previous attempts to rectify this situation, it has come to my attention that the erroneous items have not been removed as required by law. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any items found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. As such, I have submitted the necessary documentation to support my claim, yet the fraudulent items listed below remain on my credit report : These items were opened without my consent or knowledge, and I am adamant that they be removed from my credit report immediately. In accordance with the FCRA, I am giving you formal notice that if these items are not removed within the next four business days, I will be left with no choice but to pursue legal action. My intention is to resolve this matter amicably and without the need for litigation. However, I will not hesitate to involve my attorney if necessary to ensure compliance with the law. Furthermore, if you claim that these items are 100 % accurate and verifiable, I demand that you provide me with copies of any documentation associated with these items that bear my signature. As I know no such documentation exists, I expect that this information will be promptly deleted from the credit file associated with my Social Security number. I urge you to take immediate action to address this issue and prevent further harm to my credit and financial well-being. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$24000.00} XX/XX/2017 XXXX XXXX XXXX {$23000.00} XX/XX/2017 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (WY)

Called them because I was paying an incredible amount of interest, they would not lower it. It turned out to be 895 % interest. They also are not licensed to do business in Wyoming, which is where I've resided since 2002. If you need my account number it is on the attached file.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITOL ONE IS REFUSING TO CREDIT MY ACCOUNT WHEN XXXX HAS RECEIVED AS A RETURN AN ORDER BECAUSE I HAVE PROOF. XXXX CS PEOPLE STEAL FROM CUSTOMERS CARDS AND I RETURNED THE ENTIRE ORDER BECAUSE IT WAS DUPLICATED AND BOUGHT BY A CUSTOMER PROBABLY BY SOMEONE IN A FOREIGN COUNTRY. I DO NOT KNOW IF THIS PERSON KEPT MY ORDER BUT I PAID FOR IT XXXX AT CAPITOL SAYS THERE WAS NO FRAUD BY LETTER AND HE HAS BEEN DECEIVED. CAPITOL ONE IS FORCING ME TO PAY FOR SOMETHING THAT XXXX HAS IN THEIR WAREHOUSE. I WANT THIS INVESTIGATED WITH XXXX AND CAPITOL ONE BECAUSE THERE IS FRAUD HERE BY THESE TWO COMPANIES. I DO NOT HAVE ANY OF THESE ITEMS AND WHEN CALLING THE FOREIGN AGENT JUST LEFT ME ON HOLD AND REFUSED TO HELP ME. I WANT THIS RESOLVED AS FRAUD BY A MGR AT CAPITOL ONE. THESE FOREIGN COUNTRIES STEAL CONSTANTLY AND I AM BEING FORCED TO PAY ITEMS I DO NOT HAVE IN MY POSSESSION. I NO LONGER DO BUSINESS WITH XXXX DUE TO THIEVES AND NON EXISTENT HELP FROM FOREIGN CS AGENTS THANKS AND PLEASE HELP
Consumer complaint received 2018-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In XX/XX/2005, I took out a HELOC from XXXX XXXXXXXX XXXX. For a loan up to {$51000.00}. We did not spend or use that amount. We don't know the exact amount when the loan was sold to XXXX XXXXXXXX XXXX. Then the loan was then again sold another company and the amount kept increasing. When loan was transferred we never received any information, we couldn't get access to our account. It took approximately 10 years for them to file a foreclosure. With no contact between back then and now. From transferring the loans several times to current account. The amount has changes astronomically in numerous ways. Each company has a different amounts. We are currently in the process of refinancing the house but we need more time to stop the foreclosure. We are also trying to figure out how a HELOC loan such as ours can slip through the cracks and not get any information remotely close to trying to collect a debt years ago and going straight for foreclosure. Had we had proper notification we could have prevented this stressful situation and remained in good standing.
Consumer complaint received 2023-02-10
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. (KY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2020-01-10
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX REPORT THE LATE ON MY ACCOUNT WHICH NEVER BEEN LATE
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

This happened in 2021 and I had {$50.00} in my account, I went to withdraw it, I was able to withdraw the money but next day I go and look at my account and it has the overdraft fee, and every other day after that they kept adding another overdraft fee everytime until my account had a negative balance of $ XXXX and some dollars, can't remember exactly the amount it was but I ended up closing the account. They are still harassing me to pay it off when it was their fault.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Thos account was sold to me as a 0.01 % processing charge. This charge would be made on every credit card transaction that I made using any credit card. The service was also sold as a $ 0 monthly fee with no minimum cards process per month. There were no hidden charges. The only thing I would be charged would be 0.01 % and that would be for a month to month service and a {$0.00} cancelation fees. The sales representative clearly marked 0.01 % on all pages on the contract. Ther sales rep also crossed off any sections that did not apply to what he was selling ( 0.01 % processing ) the rep also crossed off the cancelation fee and put {$0.00} showing there was no cancellation fees or charge. If I was not satisfied I could cancel without any hassles. After receiving the equipment in the mail and using the processor for a few test runs over 1 month. I noticed I had minimum charges on my bank account for random amounts of {$50.00} to {$75.00}. Also notice the transaction fees were about 0.06 % - 0.08 % not what was advertised by the rep of 0.01 %. After contacting the company and advising them that I would be canceling the service. I was told their sales representatives are liked " used car salesman '' and they say whatever they can say to get the contract signed.O I advised this was fraudulent and inwould not pay. Ibwas told they had very clevar salesman techniques. I was also told I could settle my account for a minimum of {$2000.00} which I refused to. I was also told I could then settle my account for a minimum of {$1000.00} which I also refused to. The account representatives told me they would just send me to the collection and eventually they will get some type of funds from me. The name of this company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2020-01-10
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: Experian Information Solutions Inc. (AR)

i tried to call and fix the problem called XXXX said they didn't have an account or pull people credit and gave me other number same thing said they had no account under my name and didn't pull peoples credit called experian they said file a dispute online but you can't and i show that i ask about other hard pull on my credit he said don't worry it okay it go away and hung up on me, XXXX me to be honest XXXX VIA XXXX XXXX XXXX XXXXXXXX, Data Source/Recorder 's Office : XXXX Requested by : XXXX XXXX XXXX XXXX Requested on : XX/XX/XXXX Total Tax Amount : XXXX and i am not going to pay this amount on my taxes and i no i will be hit with it on personal taxes also want this removed NEW INQUIRY XXXX XXXX XX/XX/XXXX it very damaging to any person credit and have no clue where it come from or what it is
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

I use chime to pay my rent and get my direct deposit from my job and online shopping. I started receiving emails about suspicious activity in my account but everyone I got look I had the same {$300.00} something in my account.then acouple days later get an email saying XXXX checks were declined so I go look into my account it was negative XXXX somthing so called an emailed after email just for them to say they cant do anything about it I even contacted their fraud department they said they couldnt find any suspicious activity then just last week they shut the account down
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXXXXXX Balance : {$8600.00} ; XXXX XXXXXXXX Balance : {$370000.00}.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and anxiety. I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-18
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc. (NM)

Nationstar was sued by CFPB for not allowing modifications and for taking trial payments and not honoring or completing and responding to the borrower or successor in interest ( according to reg X and Z as amended recently in XXXX ). 
XXXX XXXX has a jugment that is NON COLLECTIBLE for many reasons the debt has been XXXX as of when it was issued with people who are not in title in XXXX. In XXXX ( see attached ) XXXX XXXX and XXXX XXXX were not in title to be able to encumber a property where they no longer have equity titltle. The title to XXXX XXXX was given in a special warranty deed to XXXX XXXX, who payed for her real estate contract for the pendency of the trial under the false pretenses that Natiostar is going to do a assumption/modification of the ORIGINAL XXXX XXXX as per the origivnal real estate contract. Now XXXX trying to foreclose IN COURT AND COLLECT IN COURT WITHOUT A HEARING FROM A XXXX XXXX XXXXXXXX YREAR OLD WOMAN ALL HER MONEY FOR 14 YEARS AND ATTEMPT TO TAKE HER HOUSE WITH LETTERS OF NOTICE OF SALE EVERY WEEK MAILINGS. You are makning us XXXX and I am so stressed that I had to XXXX XXXX XXXX XXXX and care for my mother now. She is harassed for a debt of another who made that debt with you on a second mortgage on XXXX WHAT makes you think you can foreclose a third person 's home for the debt that was made in XXXX in another person 's name and not even serve XXXX XXXX with a return of summons and a copy of teh NOTE YOU ARE REFERRING TO THAT IS A SECON LOAN. PROVE IT SEND THE NOTE TO THE PERSON YOU ARE TRYING TO COLLECT THE NOTE DO YOU THINK YOU ARE ABOVE THE LAW THE STATUTES OF NM REQUIRE THAT YOU HAVE A HEARING TO COLLECT XXXX XXXX XXXX FOR THE DEBT OF WHAT WE WERE TOLD ARE INVESTORS IN FLORIDA WHO HAVE ALREADY BOUGHT ANOTHER OTHER PROPERTY IN XXXX XXXX THE STATUTES OF NM SPELL YOU HAVE TO FORECLOSE WITH A HEARING ESPECIALLY WHEN THERE IS A DEED. YOU CAN NOT GO OVER STATUTE
Consumer complaint received 2023-02-12
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. (LA)

In accordance with the Fair Credit Reporting act the following accounts has violated my rights, XXXX  # XXXX, XXXXXXXX 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 XXXXXXXX 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