davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX my girlfriend had auto accident and needed to replace her totalled car and I was looking to purchase one myself so we went together to XXXX XXXX to possibly purchase our vehicles. 
XXXX found the exact same car she had and was already decided. I found a XXXX XXXX XXXXi XXXX used with only XXXX  miles and in mint condition which they priced XXXX $ and I was sold. I am a XXXX XXXX and was told they gave low interest loans to veterans at 2-4 % interest with documentation from the Veterans Affairs. Even after the down payment the vehicle was more than the listing and had supposed to have a veterans interest rate of 2.6 % at XXXX $ per month for 72 months. Having to wait to have car over weekend and papers drawn up and signed it went unnoticed until the end of year statement which read I owed XXXX on the car. 
I immediately called the dealer and Capital one auto and showed them and having paid on time the whole year wanted a correction on the contract to the 2.6 APR and capitol One refused to refinance the loan and said Find another lender. The XXXX XXXX XXXX  was at about XXXX. 
I began looking for other finance options and along came the new year it's now XXXX and the car is now ten years old with about XXXX miles and in mint condition but with a 26percent APR still. 
There are no auto finance companies that will refinance the vehicle if it's ten years old or more. Now I'm stuck with the loan and taking a major hit never making headway on the loan. 
Late summer XXXX the car began having engine and electric issues and had less than XXXX miles on it but broke down regularly stranding me several times. The engine warrant void at ten years and was unable to afford added warranty as the car was over ten yrs. The car eventually died and sat in the driveway with a blown turbo and computer chip and electrical shorts. At XXXX miles I refused to pay as could not repair or refinance or even sell. 
Capital one repossed the car a day before XXXX and sold it at auction for XXXX and said I owe an adjusted remaining amount of XXXX XXXX For a car that was unable to drive and costing me a fortune they would not fix or refinance or trade toward another vehicle. This vehicle is still showing on my credit report as in collection for XXXX as a negative and repo. There were no offers to settle the debt or attempt to reconcile. My credit and ability to purchase a vehicle are severely hampered and ties up my available credit limit. This is a nitemare even today and being on fixed income and XXXX  it set me back financially. I would like to see this addressed as I should have been protected by lemon laws and an incorrect loan agreement that had me pay over twice the cars value.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, amount of {$9500.00} 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXX of {$80.00}, XXXX XXXX XXXX, Account # XXXX, amount of {$1100.00}, XXXX XXXX. XXXX XXXX XXXX, Account # XXXX, XXXX of {$380.00}, 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 2019-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

This is regarding XXXX XXXX " XXXX XXXX '' alleged scoring system that I have been fighting with for at least two years. I have no outstanding credit except my primary residence. Yet, my score went down 23 points in  one month. Balance down. Date of oldest accounts ( average accounts )  up. Should be higher, not lower. Then, in further insult, the reports state that I have not opened enough accounts and my available balance is too low!!! Yet, everyone knows that if I follow the alleged advice, my score would decrease by over 100 points ( hard credit hits are 20 to 30 points negative impact for at least 24 months. ) Then, XXXX would end up reporting that I have too much available revolving credit - since they do not use length of employment or income or assets any longer. 
It is simply outrageous and I am specifically harmed by their false score reporting. Every one is using the XXXX because it is funded and controlled by the big 5 CRAs and no way around them. Another example. I have been in my home 18 years which I bought for CASH. I re-financed to get cash out, then my loan was sold multiple times, w/o the lenders informing me until AFTER the portfolio went somewhere else. So, instead of XXXX linking these together as the same loan with the same Borrower ( me ) and the identical property ; they report these as if they are new loans - and only show me owning this home for two years ... not 18. No call to my bank ( 16 years ) ; lender, etc. has resulted in anything except silence or " it's not our problem - take it up with XXXX ( who will not respond ). Not only that, they actually provide no contact information - it's a circular jerk. They refer you to your bank or lender who then refers you bank to XXXX. According to them, I am just now 7 points shy of falling  out of the best credit group. I need to buy my son a car soon, and some other things, and this will cost me at least 1 % more per month.
Consumer complaint received 2016-10-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collections Acquisition Company, Inc. (SC)

Payliance deleted this account over 2 years ago when I proved I had no such returned check for this amount ever. I want this deleted ASAP as they are reporting false information They are reporting a returned check for {$170.00} on XX/XX/XXXX I never wrote
Consumer complaint received 2015-09-20
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OR)

There are several complaints in and for WELLS FARGO BANK NA but this takes the taco and is unreal to think it 's possible, Whereas Current documents forwarded to CFPB show that WELLS FARGO BANK NA allowed a Veteran and a Senior Citizen not only to be harassed but also tricked by unlawful means to conspire to steal XXXX XXXX Properties by Re- Financing all his land that had already been paid in full without his knowledge or consent and allowed another party/parties to chop up and sell after being notified of encroaching, vandalism and harassment to log illegally was written as a complaint to the companies involved including XXXX XXXX who to this day has XXXX XXXX ; XXXX as the Insured and owner of REAL PROPERTY including the ones XXXX is fighting for in Supreme Court XXXX , XXXX instead of XXXX , XXXX . were it was filed? 
Where WELLS FARGO BANK NA intentionally requested XXXX XXXX Give away his property and pay {$350.00} Knowing and Willingly XXXX XXXX refused to breach his contracts with the " COMPANIES '' mentioned above, so XXXX XXXX filed complaints with federal agencies only to be the PRIVATE LENDER to FRAUD and THEFT when documents show XXXX/XXXX/14 XXXX owner and XXXX XXXX leaser of property and WELLS FARGO BANK NA is notified and ends up allowing XXXX and XXXX XXXX XXXX to Continue the fraud deceit and forgery by way of forefeitures and illegal attacks trying to kill us, also not allowing Insurance company to compensate XXXX for Vandalism but XXXX XXXX and sons receive XXXX XXXX XXXX XXXX to even add Back DECK to home under XXXX XXXX VA XXXX XXXX as well? How is this legal? Leaving XXXX XXXX ; XXXX XXXX and his son XXXX homeless with excuses and burdens to bare. XXXX XXXX never even signed any papers as the primary and supposedly walked in and paid with cashiers " personal '' Check and paid this property off, on the other- hand statements from the Companies state illegal procedure by BANK AND TITLE COMPANIES to XXXX in fraud and forgery.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FULTON FINANCIAL CORPORATION (PA)

Card was left lost stolen not in my possession. 
Used for XXXX withdrawal. 
At not my atm bank but one across the street. Didn't notice it missing till next day. Called bank. 
Pending even though money was taken. 
Somebody stole it used it not for credit but cash can't figure, i didn't even have a pin mu, bed.
Consumer complaint received 2019-07-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP (CA)

I open up four cds account with US bank for over $ 30k over ten years.i didnt close my account or withdrawn the balance.i just left my funds in the bank and didnt made too much contact thinking my funds is safe.i just discover the bank have no record of my account and they didnt sent my funds to unclaimed property.i currently still have a saving account with them and on my profile they have no trace my account even exists, my last 1099 I received was in XX/XX/2010and I moved XX/XX/2010, the bank is saying maybe I closed my account and its my fault because I should have been checking my account and they dont have to anything since my account is over 7 years old
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc. (WI)

Hello, my name is XXXX, just recieved a mail from CBE group , Inc. Today, never heard them before, or have any phone contact with them. They sent me a bill for XXXX, debt description for fine, public intoxication, it was in XXXX  probably from XXXX. I been living in XXXX since XXXX. First thing i did was call the company, explained to them i haven't lived there for years, and its pass the statute of limitations, they said, yes itnis, but we can still collect, i informed them thats against rules and regulations, and that I will file a complaint, so here inam contacting you about the matter.
Consumer complaint received 2017-01-16
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: CHECK INTO CASH INC. (TN)

On XX/XX/2016 this company had someone to contact me about a complaint I had filed about me having made three payments on one loan within 30 days, because of bad information which had been provided by their staff. XXXX held himself out to be the Associate General Counsel for Check Into Cash , Inc., XXXX, TN, XXXX Store. After, further checking with the Tennessee XXXX, which proved this individual was not licensed to practice law in the state of TN, as is required for any one holding themselves out to be a General Counsel. Once I informed this company of that information, the matter was turned over to the store manager, XXXX, a person who did not in my opinion have the legal skills to entertain my complaint. Since then, XXXX has denied any truth in my statements and has repeatedly refused to attempt any settlement of closure on the matter. In my complaint I alleged that their staff lied about my eligibility for another type of loan based on a credit score obtained by them of 880 and the staff instructed me to first pay the current owing balance off. I paid it off that same day, but was denied the new type of loan and then told I could only get the same type of loan that I had just paid off. So, I took out that loan, because if I did not, I would not have had any money. I was told the computer had made a mistake. I said if it has made a mistake now, then how can I be sure it is not making a mistake at this time, too. I said I do not trust your computer or the advice of your staff. So, this made me have to make three payments in a 30 day period, cutting deep into my fixed income from Social Security retirement. I believe this is a normal practice of this type of pay day loan business in XXXX, TN. I did not ask to qualify for the loan they volunteer to enter my information in their system then told me I qualified and showed me the amount on the form. But, when I came back to get that amount I was denied it. They should be further investigated for fraud as I believe many low-income individuals are being targeted and taken advantage of, especially seniors and others on a fixed income. This is still an on going matter and I wish for immediate closure. I have requested of XXXX to waive the loan balance and she has repeatedly disagreed.
Consumer complaint received 2019-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I happened to check out what was going on with my credit report. I noticed an inquires and accounts that do not belong to me. Please remove them from my credit report immediately. This is a result of identity theft, and unfair to me.
Consumer complaint received 2019-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (MI)

I sent a check for {$9000.00} towards my principal ( after deducting {$800.00} for my monthly payment ). This payment was processed on XX/XX/XXXX but they are now claimingXX/XX/XXXX that the payment did not clear, which my bank disputes. By continuing to delay this payment, my account is being reported as late and this is not the case. 

I have called on this repeatedly.
Consumer complaint received 2016-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collections Acquisition Company, Inc. (KY)

I get some accounts with Paylance reported under my name who does n't belong to me, I already filed up an Identity thief victim report and request all this account with this company to be removed.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I was looking over my file and I found that I had a few errors and addresses that I never lived at. I had some issues with someone using my information while I was living out of town. I never lived at the following adresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX please have them deleted because they may have been used to comprise my name and information. 
There are account that I do not recognize showing on my credit report XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX, XXXX XXXX XXXX. After careful review of my credit report, I notice that I owe an outstanding balance. I would like to let the credit bureus and collectors know that I am disputing these accounts. Under the FDCPA, and FCRA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Foxstar Energy Resources LLC DBA Federal Student Loans Council (CA)

In XXXX I attended XXXX XXXX XXXX in XXXX California. I took a leave for 6 months after I gave birth to my child, which left me XXXX! In XXXX I was on XXXX  XXXX! I have been fighting XXXX, us department of education and XXXX XXXX since XXXX for my loan to be XXXX. I kept telling them I was XXXX XXXX, they would send forms for my XXXX to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay XXXX XXXX to repair my credit. In XXXX - XXXX I got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped 25 points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and XXXX! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX
Consumer complaint received 2024-04-07
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (DE)

I bought a western union check from XXXX in XXXX Delaware to make a New Jersey child support payment which I mailed from Delaware to New Jersey but it ended up cashed in a cash checking place in XXXX XXXX XXXX XXXX New York ( cashed by teller XXXX ) next to a western union distributor. It was explained to me by western union fraud department rep that if the front of the money order is not altered in any manner anyone can cash the money order even though it's written out to a specific entity. I had to get the NJ XXXX XXXX XXXX which filled and notarized there XXXX XXXX claiming this money order payment was not recieved by them. Send a copy of the police report and now western union wants me to sign paperwork that says there are not responsible for reimbursement but will take XXXX to XXXX  days to review its merit. Western union has XXXX  year to assist anyone in this compromised position then when the time is up you lose your money. No reimbursement. I feel this is XXXX of those hidden rules that's not expressed when you buy a western union money order that should be printed on the money order as a disclaimer to paying customer so situations like this doesn't happen again
Consumer complaint received 2022-12-14
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. (HI)

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2019-07-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

After trying to sell my home for 5 years, I finally moved renters in XX/XX/XXXX to cover most of the first and second mortgages. In XXXX of XXXX, they moved out and I have fallen behind on 7 months of payments for the 1st mortgage and HELOC. I have a buyer for the home. Rushmore Loan Management Services has my HELOC, so in XXXX they had an appraisal done on the home and asked the realtors to reduce their commissions and send a new closing statement. We did all that. Rushmore 's  appraisal came in at {$550000.00}, My contract to sell is for {$550000.00}. NOW Rushmore says no we are not going to let you sell the home, you have to just let the first mortgage foreclose, we will NOT sign off. They have put me through months of stress and I am a senior. Do I have any recourse since they are forcing me into foreclosure?
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Once again I discovered that XXXX account on my credit report was incorrect when I reviewed it. The following account need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$650.00}
Consumer complaint received 2022-12-14
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. (HI)

In accordance with the Fair Credit Reporting act XXXX  Account 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
Consumer complaint received 2022-12-14
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. (FL)

In accordance with the Fair Credit Reporting act 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 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.