davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NV)

I wrote ( sent a priority letter ) to the CEO of the company One Main Financial company XXXX XXXX in Indiana. I told him something wasn't right about my loan and that I couldn't understand how I could make payments and not see my loan amount go down and that the majority of my payments went to interest and not principle ( AT LEAST HALF SHOULD GO TO PRINCIPLE! ). At the writing of this complaint I paid {$160.00} on my loan and only {$49.00} went towards principle!! How is that so??!! I called the local office and asked how this could be and complained as well but the person I was speaking to only gave me the run around. In the letter I wrote to the CEO XXXX XXXX I begged him to lower my interest rate and to fix it because something was fishy about my loan ( PREDETORY LENDING! ). He NEVER answered me ( because he doesn't care! money goes into his pockets so he doesn't care about people struggling or getting ripped off as long as his pockets are fat! ). I took a loan of {$3500.00} from One Main but at the rate I'm going by the time I finish paying for it I will have paid probably {$8000.00}!!! This is wrong and something isn't right ... they are ripping people off and taking advantage of people and I think it's illegal practices. This company needs to be looked into and I don't want to be taken advantage of. I feel I'm being ripped off ... I have the documentation showing that I paid {$160.00} and only {$49.00} went to principle. ALSO they do not put how much interest they're charging you on the monthly statement so you don't have a clue as to what they are doing/charging in interest and how they're coming up with the charges!!! They also don't post on your statement what your interest rate is!!
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

PLEASE FIND THE ATTACHED DOCUMENT WITH THIS DISPUTE. PLEASE REMOVE ME OFF THE DISPUTED ACCOUNT FOR I AM NOT THE OWNER OF THE ACCOUNT. IT HAS BEEN AFFECTING MY CREDIT AND I WOULD LIKE TO BE REMOVED AS SOON AS POSSIBLE.
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, I am writing regarding our home at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXXXXXX. 
We have a situation with our mortgage and your bank which is extremely upsetting to us and we hope you can assist with this matter with urgency. 

We applied for a loan modification and received approval. We signed in front of the XXXX consul in XXXX, XXXX where we were for work and sent via XXXX to your address. ( Tracking # XXXX on XXXX / XXXX / XXXX to Final Modification Documents XXXX, Wells Fargo Home Mortgage, XXXX Wells Fargo XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 

I am attaching all the relevant information. I was constantly checking the loan tracker to see our updated information but the system continued to say it was updating our information. 

We became very concerned with the lack of information and decided to simply pay the old mortgage rate so as not to get behind. 

We continued to try to reach someone but were either put into a black hole of waiting or were told by phone operators that the information was being updated. 

Our payments were not applied to our mortgage ( new one ) of the moment but rather used to pay back payments that had been pre approved due to XXXXovid 19. The Covid 19 payments were to be paid at the end of our mortgage payments and we had this in writing and I believe was the law in the XXXX. 

We were trying to do the right thing by paying but instead have now received a foreclosure document and are still unable to get any information. 

Please assist, this is exactly the kind of extortion that has put Wells Fargo in the news again. 

I was only informed on the website that we had a notice of default and I have contacted multiple Wells Fargo phone agents all of whom say different things and none of whom seem available to help us. 

We are trying to pay our mortgage and keep our home. 

We applied and were approved for a modification. I do not understand what is going on. I hope someone with knowledge and power can assist immediately. 

The best way to reach me is through my email as I am often abroad for work related issues. 

Thank you. 
XXXX
Consumer complaint received 2019-12-06
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)

Someone has stolen my identity I check my credit and notice Fraud Accounts I did not give anyone permission to open any accounts using my personal information this is very stressful I'm a student doing my very best at life, and someone is trying to destroy my credit which is very important for my future.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name XXXX XXXX  Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-06-06
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. (NC)

I hope you can help! I have submitted a compliant on XX/XX/ with the credit bureaus and no response! I to have incorrect information on my report that needs to come off! My understanding is that 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. I will list the accounts below! 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX. XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2019-01-31
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: NRA Group, LLC (NY)

-XXXX -ACCOUNT # XXXX -DATE OENED XX/XX/XXXX -AMOUNT $ {$350.00} -XXXX XXXX XXXX -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX -XXXX/XXXX  -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX AS WELL AS INQUIRIES FROM XXXX/XXXX   XXXX -DATE OF INQUIRY XX/XX/XXXX
Consumer complaint received 2020-03-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Controlled Credit Corporation (OH)

Have repeatedly asked this company to stop contacting me and they still continue to do so. Most recently contacted them on XX/XX/XXXX at XXXX XXXX ( please see attached screenshot ) to yet again tell them to stop contacting me. They said my account was noted. Today I received yet another letter in the mail ( XX/XX/XXXX ) dated for XX/XX/XXXX, a day after I asked them yet again to not contact me. Please see attached screenshots. They have called my work repeatedly after requesting them not to. They constantly call my phone and send me letters in the mail.
Consumer complaint received 2023-11-29
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. (TX)

After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a THIRD dispute with the bureau. I have reached out and let them know I was a victim of identity theft and if they can removed these accounts from my report. 
As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. 
However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 
this is my third letter reaching out without a response.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I have no knowledge of the following inquiries, neither did I authorize them. please remove/delete them from my credit report, as pursuant to 15 U.S.C 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-01
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-12-06
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)

This is against the Law. I cant Understand how Companies our Allowing people to use improper Documents to open these Accounts using someone information. I never Authorize anyone to use my informationall of these Account are fraud. please remove from my credit
Consumer complaint received 2019-12-06
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 against the Law. I cant Understand how Companies our Allowing people to use improper Documents to open these Accounts using someone information. I never Authorize anyone to use my informationall of these Account are fraud. please remove from my credit
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Because I had previously disputed XXXX XXXX XXXX, the credit report agencies wouldn't allow me to do another dispute. I called XXXX XXXX and inquired why wasn't my payments been report to the credit agencies since XX/XX/2022 and I was advise by the mortgage company they have been reporting to the credit report agencies as last as XX/XX/2022, which my credit report do not show the updates. 

I'm unable to apply for a new mortgage until this information is updated on my credit report to show I have been making timely payments for a least a year. 

Information should be updated timely on the credit report when it reported, if it was negative information it would be report timely.
Consumer complaint received 2023-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (MI)

When looking for apartments to rent, a deposit was paid and kept by the leasing company on a unit with XXXX XXXX XXXX. Decided not to rent their unit because of finding a better offer and never signed a lease or rented a property from this company. I would love to see what information was sent to Rent Recovery Solutions regarding me owing rent to this company that allows them to impact and affect my XXXX XXXX with XXXX proof. I believe both these companies are happy to partake in fraud to attempt to gouge money from easy targets in a XXXX XXXX XXXX This has impacted my XXXX XXXX when currently looking to purchase a vehicle which could cost me thousands in financing due to a completely fraudulent collection account sent. I only recently received a piece of mail on the collections with XXXX other contact about a debt.
Consumer complaint received 2022-09-29
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. (IA)

This is the 13th time reporting the same XXXX account with inaccurate information. 

The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. 

XXXX has ruled in my favor that XXXX was reporting inaccurate information and removed the account from my report. 

XXXX and TransUnion have refused to do anything about it. There are so many differences between what XXXX and TransUnion are reporting. 

According to XXXX, TransUnion and XXXX, they are 100 % reporting everything correctly even after providing proof for years that they are not. 

Payment history is different on at least 14 months. 
The date of the last payment is different. 
The date account was closed is different. 

Please delete the account from my credit report immediately!! 

See attached files. 


XX/XX/XXXX XXXX 90 days late TransUnion 120 days late XX/XX/XXXX XXXX 120 days late TransUnion 90 days late XX/XX/XXXX XXXX 120 days late TransUnion 90 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX 60 days late TransUnion 30 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX 60 days late TransUnion 90 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late XX/XX/XXXX XXXX 60 days late TransUnion 120 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late Date of last payment. 
XXXX XX/XX/XXXX TransUnion XXXX XXXX Date Account closed. 
XXXX XX/XX/XXXX TransUnion XXXX XXXX
Consumer complaint received 2022-09-14
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-12-06
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I decided to fix my credit and take responsibility for my bad judgement from back in the day. I only had an account from kohl’s that would have dropped off in 2 years but I still contacted them and told them I would like to pay off the debt. I had a XXXX dollar kohl’s card from several years ago that I had totally forgot about because I moved to Pennsylvania and had gotten a Divorce. When I spoke to the women on 8/1/2019, she told me and kept telling me that if I paid this today, it would completely come off my report. I said are you sure it’s not going to just say “paid?” And she said “no, we will remove it completely” - so instead of waiting 2 years for it to go away completely, and they would have been the better thing to do for my credit, I decided to pay the $595 (almost 300 more in interest and fees) because I was promised it would be removed completely. I have been responsible with my credit, fixed things and have been up to date and early on all payments. They have not fixed it or removed it from my account. I’ve called them several times and they said they were goin to and they don’t so I keep disputing it with equivalencies hoping they will keep their word, like I did when I paid it in full. I know they are trying to collect a debt but they still should not lie and make promises to a person that are untrue. I followed through with my part, they should have to also. I know it was my own fault for the debt and I accept responsibility for it but I was trying to make it right and did. I didn’t have to, but I wanted to. Please ask kohl’s to remove the account completely since a persons word, and a companies word should mean a lot to them. I’ve read all over that when accounts are on your credit marked as unpaid, to just let them drop off 7 years later, because companies lie and don’t remove them. I decided to have faith in them and make it right. They however did lie. I’ve called so many times and they said they would fix it but they refuse to once the credit agencies contact them with disputes. Please ask them to kindly remove it. I was stupid and going back then and didn’t accept responsibility for my actions but I am trying to now and I’m trying to do rightThank youXXXX XXXX
Consumer complaint received 2021-11-22
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (VA)

According to the IRS an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account : Account # XXXX CITIBANK , N.A . After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXXXXXX XXXX Account number XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX Account number XXXX
Consumer complaint received 2022-12-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TrueAccord Corp. (NJ)

The company by the name of TheAccord has repeatedly emailed me at all hours with a debt i know nothing about. Ive never even heard of this company. I have never done business with this company. I never provided my personal information to this company. They just emailed me again this evening XX/XX/2022 at XXXX. My email gives me immediate alerts. I never consented to any type of communications. How did they obtain my private contact information? 
According to 15 U.S. Code 1692c they are in violation.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I WENT IN TO BUY A CAR WHEN I WAS ALREADY PREAPPROVED AND THEY RAN MY CREDIT WITH OTHER DIFFERENT COMPANIES WITHOUT MY CONSENT. THE COMPANIES ARE 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
Consumer complaint received 2019-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

I have been trying to dispute some fraudulent inquiries and account. They are refusing to remove or investigate these matters because I lifted my freeze. Someone or some people has hacked my email which contains a lot of personal information as well as my bank card which I had to replace. I have also had to change my passwords to all of my information. I am a victim of identity theft and would like this matter to be resolved without hassle. I would also like a different PIN number too for my freeze.