davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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. (AZ)

I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission XXXX XXXX XXXX XXXX Balance Owed : {$850.00} Please update this accounts payment history it was very confusing. Please REMOVE the LATE MARKS on this accounts payment history. I did not pay late ; XXXX XXXX XXXX Balance Owed : {$1800.00} Please update this accounts payment history it was very confusing. Please REMOVE the LATE MARKS on this accounts payment history. I did not pay late. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please UPDATE the inaccurate account information as quickly as possible.
Consumer complaint received 2019-01-09
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: Experian Information Solutions Inc. (IL)

XX/XX/2018 {$10.00} Sent a certified letter to dispute to Experian. 
XX/XX/2018 {$10.00} Sent a certified letter to dispute to Experian.
Consumer complaint received 2018-11-14
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: Experian Information Solutions Inc. (MA)

To whom it may concern : I XXXX XXXX XXXX am a victim of identity theft and identify fraud where XXXX XXXX XXXX and XXXX XXXX XXXX two wanted fugitives for multiple murders. That I reported to the New State Attorney General and the Massachusetts state attorney general. There an active NYS attorney general investigation in to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX as well the two fugitives named above XXXX XXXX XXXX is my mother so she had all my Information as far as D.O.B XX/XX/XXXX S.S. # XXXX My address XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. After I reported my whole family for multiple murders they retailed by XXXX XXXX is my cousin she call all my creditors XXXX XXXX XXXX XXXX XXXX and making false claim of my accounts being put in to collection. XXXX XXXX my sim card out my XXXX and creating XXXX dollars in fraudulent charges and called XXXX put it in to collection not once but twice. After it was resolved with XXXX and XXXX off my credit report do to fraud. These events have adversely affected my Credit score before the fraud I was an XXXX with XXXX XXXX now Im a XXXX with XXXX XXXX. Please restore my credit score to where  it was before the Identify theft and the Identity fraud that I reported to the F.T.C and other agency CFPB years ago. If not I will be forced to take legal action. Thank you XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (NV)

We obtained a retail installment loan to purchase a water treatment system for our house. That was in 2016. I have copies of the agreement. 

At no time was I advised that there would be a UCC financing lien placed against my property. When I started the sales process I was advised of this issue. 

I then had to pay the loan off completely in order to sell the house and transfer title. I was not in a position to do this and it has made me unable to complete the financing of a property I was attempting to buy. 

I feel this should have been disclosed to me at the time of the agreement. Company is XXXX XXXX XXXX XXXX, sold to XXXX XXXX XXXX then a credit union to service the loan. 
Date : XX/XX/2016 {$6200.00}
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-18
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: Nelnet, Inc. (CA)

Good afternoon, The account is in deferment until XX/XX/2026, but the credit bureaus : XXXX and XXXX keep reporting it back as open. I would like this to be properly reported as deferred and not open. Thank you. I have included the deferment letter.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-12
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)

XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on Experian. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on Experian is a violation of my right to privacy because I didnt give them permission to report it publicly.

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian and I didnt give them permission to do so.
Consumer complaint received 2022-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (OH)

I tried calling this company a couple times to verify the debt and asked them to send info to me ( They never did ) I also tried disputing the medical debt on my credit report to no avail.I was a victim of an assault in XX/XX/XXXX and was sent to a hospital without my consent and left within an hour and walked home... I never received any information from the hospital and on XX/XX/XXXX this debt was sent to collections for {$5600.00} from a collection agency named AARGON AGENCY ... .This too me is fraud and should be taken off my credit report ... .No knowledge of the company ... .Please help me resolve this matter Thank you XXXX XXXX
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have had Capital one credit cards for maybe 15 years or more. I have always paid on time never been 30 days late and received at least ten credit cards since getting cards from capital one. I have had numerous increase with all other cards. Capital one hasnt given me an increase no matter how many times I have tried. Within that time and the last time I applied which was in XXXX my credit scores have been at least fair but when I have applied like in XXXX my score which they got was XXXX. The time before this time when I asked for and increase they said to make larger payments and apply again. I did that and they still didnt give me an increase. This time they said I wasnt making high enough payments and I had to many inquiries. I just refinanced and by mistake more then one mortgage companies inquired and capital one inquired also. I received a new credit card after they declined me so that wasnt a problem. Speaking of the other reason why they said they denied me. when they told me to make higher payments I did and when I applied both my credit cards from them had a XXXX balance for a month and still do. I think it was them retaliating because I filled a complaint on them. I know and they feel this agency cant affect them or their business the last time I filed a complaint the person they assigned to investigate had the wrong account and had the wrong information. She told me they didnt have to increase my credit line and thats it. I am sure they have to treat everyone fairly or that is discrimination. I know they cant show me the same circumstances and anyone being denied over these many years with the payment history an the scores I have had being denied. If this is something that I should be filling with the department of labor for discrimination please inform me of that option.
Consumer complaint received 2024-03-06
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

On XX/XX/XXXX, I received a call from Loan Mart, aka XXXX XXXXXXXX XXXX aka XXXX, explaining that they could pay off my XXXX XXXX XXXX XXXX and give me a loan up to {$20000.00} based on the value and miles on the car. I can quickly pay the car off in 12 to 18 months if I make payment three days before it is due, which will reduce my monthly payment. At the time, I was told that I only owed {$2300.00} after going through the XXXX XXXX plan and what was on my credit report. I was only going to get a {$5000.00} loan to pay off the car and take {$2600.00} to move. The trustee 's office sent my information about the car to who they made payments through the plan to XXXX. Then XXXX sent my information to XXXXXXXX and XXXXXXXX XXXX as a repossession, stating they did not want to accept a payment of {$2300.00} but {$5000.00}. Now I got to get a title loan for {$9900.00}. I wanted to hold off on such a high loan. 
Loan Mart kept calling me day and night to finish up the Loan. I could not get the Loan without XXXX or XXXX  providing me with the payoff letter. I got a collection letter from XXXX  saying they wanted me to pay {$5000.00}. The operator wanted to talk to someone at their office. It took us two weeks to get in touch with XXXX at XXXX I did not get the payoff letter until XX/XX/XXXX, and then I got my Loan. The hassle was so stressful that I did not realize that the processer changed the agreement to 36 months for payments of {$800.00}. Then it was a big long fight about the title transfer. The customer service agents were confrontational and sarcastic when I kept calling. I got into an accident and was in the XXXX XXXX they didn't care. They still called me about the payment, and then Loan mart added extra fees, saying it was interesting because when I finally got the Loan, they backdated the Loan to XX/XX/XXXX, appearing that I had it for 30 days and then charged a late fee. As of today, I have been struggling to pay {$4900.00}. My rent went up to {$2300.00}. I thought this would be over soon until I found out they plan to take payment for 29 months. paying them back {$31000.00} for a {$9900.00} loan. I don't know what to do ; I have been had.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AL)

This complaint is in reference to the mortgage on my personal home. On XX/XX/XXXX I filed Chapter XXXX Bankruptcy to protect my home and other assets. I completed the case on XX/XX/XXXX after paying XXXX to XXXX and other debtors ( Please see PDF titled XXXX RESPA Response XXXX ). During my bankruptcy, my payments were increased several times and to prevent dismissal I was required to pay over XXXX in three months see image ( XX/XX/XXXX XXXX XXXX ). Upon completion of the bankruptcy case, my mortgage was sold to Rushmore and I was instructed to continue my payments. Rushmore would not allow me to set up auto-draft and when I called to make my payment in XX/XX/XXXX, they refused to take and told me my account had been turned over to the foreclosure department. At that time my bankruptcy attorney XXXX XXXX informed that he had done all he could do and referred me to the XXXX XXXX XXXX XXXX Attorney XXXX XXXX. I have worked with one of Mr. XXXX associates but my home has been placed in the paper for foreclosure twice and is scheduled to be placed in the paper again tomorrow. As an XXXX and community leader, this has caused much humiliation to me and my family. I thought we were on track see ( XXXX and XXXX images XXXX ) to get this matter resolved and I have been saving the payments. I simply want to continue to pay for home ; however, it seems everyone is giving me the runaround. And now, my home is scheduled to run in the paper again tomorrow and a sale date of XX/XX/XXXX.
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2022-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (TX)

XXXX XXXX filed a claim with XXXX XXXX XXXX insurance which is not my insurance company. They were presented with a XXXX XXXX XXXX at the time of the service and still did not get it correct. After a few months, they contacted me by mail with an invoice saying I am responsible for {$660.00} for the tests. Tried calling and could not get anyone to answer the number on the invoice but was rather referred to XXXX XXXX. After logging in and seeing the incorrect insurance, tried to correct it online but to this date, it has not been corrected even though a claim was filed and denied because of coding errors. I have made numerous attempts to contact XXXX both online and on the phone to no avail. I called my insurance company to try and resolve this and they have reached out to XXXX  and to XXXX XXXX, XXXX at XXXX XXXX XXXX who ordered the tests. I have made 2 trips to the Doctor 's office and supplied them with copies of XXXX 's invoices trying to get the claim filed correctly. Again, to no avail. After months of trying to get this issue resolved without success XXXX has turned me into a collection agency, Credit-Control LLC who called me and I told them that I disputed the claim because XXXX  has failed to obtain the correct coded for the procedures in question. The agent said she would show this as a disputed claim. A month later I get a letter from Credit-Control LLC which I will attach along with my response. Tried calling them last night and got on. the merry-go-round of will you make a payment, set up a payment plan or wait for an agent. After about 15 minutes I was told to leave a message and someone would return my call but when I did not leave a message, the call was disconnected. I then proceeded to send in a copy of their statement along with a copy of the EOB for the charges they were requesting payment for to XXXX. After multiple attempts to get this matter resolved, going above and beyond on my part, I get turned over to a collection agency. This should not be reflected upon my credit report as so many things now are based upon my credit score. Things like insurance rates, credit card rates, car loans and God only knows what else. One company 's inept business practices show not be an instrumental key to this horrific practice. Last check my credit score was XXXX with no late payments of any kind or negative factors reported.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I had many years Wells Fargo checking account, and no reason whosoever they closed my account XX/XX/XXXX and all money just gone. Even I provided all information to the local branch, my Military ID, Passport, Social Security and Driver license they anyway closed my checking account and approximately about {$10000.00} was just gone. 
Wells Fargo put my family at risk without any money to survive, without food. I was not able to pay mortgage and car payment even with my XXXX credit score, I never late in payment. 
Then I received email you have XXXX balance in your checking account. I visited local Wells Fargo twice to try to resolve strange issue made few calls and I still have no answer where my money disappeared.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX  Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-23
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. (IL)

This account XXXX XXXX is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.