davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: DFC Global Corp. (CA)

The interest is very high and almost unmanageable with my fixed income. I did send XXXX  XXXX a copy of -My Award letter. 

Loan Disclosures : Annual-123.99 % Finance Charge- {$7100.00} Amount Financed- {$2500.00} Total Payments- {$9600.00} Payments- XXXX Amount- {$260.00} LEGAL ARGUMENT : The federal SCRA allows service members to cap the interest rates on most of their preexisting loans or obligations at 6 % per year while on XXXX XXXX. The 6 % interest rate cap applies to mortgages, credit cards, car loans, other installment loans, and some student loans. " Interest '' includes fees and other charges.
Consumer complaint received 2022-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

First, we wish to thank XXXX - Mr. Cooper for responding to our earlier posted shares of our experience and process in striving to keep our loan functioning. This shows the effectiveness of this protection bureau. A Mr. Cooper manager reached out to us by phone and did the right thing! In late XXXX XXXX of XXXX, They coordinated an adjustment to our loan situation that allowed us to defer payments for 10 months or pay per month at our discretion while we worked out the details on paying the amount Cooper had demanded. Please remember that we had been promised deferral on the full amount of the forbearance from the beginning, and Mr. Cooper had put us in the difficult position by then going back on that pledge. They had communication clarity issues with our specific lender bank, and would not honor their promise but just made the demand with threat of foreclosure. This is all detailed & recorded in written communications.

To continue with news of the adjustment the Cooper manager made this past XX/XX/2022... They gave us time to consider the details, got it all worked out, and when we agreed to the loan adjustment they sent us a formal notification that it was engaged and these were the new operating terms. We were thankful and relieved as we were now treated fairly by Cooper, and in good faith. This was after our 2 formal letters explaining the issues that their corporation had produced, and our communication with CFPB ( Consumer Financial Protection Bureau ). 

When we phoned in to make the monthly payment for XX/XX/2022, we were notified that the adjustment to our loan was no longer active! Yes! Try to understand this, they simply reneged, and removed it from their system, AND DID NOT NOTIFY US. We were unaware of this second reversal of promise by XXXX - Mr. Cooper. 

We sent them a 3rd formal letter on about XX/XX/XXXX, requesting the reinstatement of the formally and professionally agreed adjustment agreement. 

We have just heard back after about 20 days that while they acknowledge the error, they are unwilling to reinstate the agreement, and along with this notice they included an updated demand letter threatening foreclosure again. 

We are grateful that our engagement of CFPB worked the first time, and that Mr. Cooper did the right thing. Now we are back and sharing this continuity of their confused misrepresentations on account of their backing out of the remedy solution which worked so well. 

Consumer Financial Protection Bureau is truly needed in attempting to sort through the difficulties XXXX - Mr. Cooper is demonstrating at this time which has proven difficult for many corporations.
Consumer complaint received 2019-01-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

The interest is very high and almost unmanageable with my fixed income. I did send XXXX XXXX a copy of my Award letter.

The federal SCRA allows service members to cap the interest rates on most of their preexisting loans or obligations at 6 % per year while on XXXX XXXX. The 6 % interest rate cap applies to mortgages, credit cards, car loans, other installment loans, and some student loans. " Interest '' includes fees and other charges.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (UT)

Hello, This with XXXX  XXXX  my checking account is with. I did an dispute against cash app for fraudulent activity on there format. I send them all information on this topic and they hung up on me and said my account is closed. I never was told. Why but all this happened way before my account was closed with cash app. They allow scammers to use there site and they have been told multiple times about the issue they do not care about there customers now they are going to cheat me out if my dispute. 
Started XX/XX/2023 ended XX/XX/2023 XXXX transactions all approved. {$1600.00} was XXXX  amount and {$1200.00} was Cash apps portion Cash apps portion I never received. This is why I am doing my complaint. They just ignore all my attempts. 

Here is my dispute case number XXXX XXXX. XXXX. Disputed transaction from my checking account against cash app. 

The reason why Im requesting a appeal is the Merchant never paid me anything on XX/XX/2023. Not sure where you came up with the XXXX dollar refund. Theres is no evidence at all on my account history. This is very simple and I do appreciate you getting my dispute done. But they owe me the rest of my money. The dispute came back as approved XXXX I did get credited back to my account. But like I said before the rest of the XXXX dollars which totals out to XXXX transactions that where all approved. But you said the merchant paid me back but thats totally not the case. The credit I did get was never a part of the dispute. I never tried to get that portion because it was settled. But all XXXX transactions was what I was owed. So please make that adjustment and credit my account ASAP. I do appreciate your hard work but merchant never credit me anything. All XXXX transactions was not credit back to me please make that adjustment. Your dispute customer service would not allow me to do an appeal so I had to figure away to do this on my own.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2023-07-05
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. (MD)

On XX/XX/2023, I mailed the attached letter to TransUnion to have incorrect addresses removed from my credit profile. I included a utility bill and copy of my driver 's license. On XX/XX/2023, I received a letter from TransUnion stating I did not send the letter and the letter was sent on my behalf. This is not true as I sent the letter and even signed the letter, which you can see a copy attached.
Consumer complaint received 2022-08-29
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. (WA)

To Whom it may concern, please remove all tradelines being reported with any derivatives of the name XXXX XXXX XXXX that name has been copyrighted, I hereby revoke and rescind any prior written or verbal consent to use the name XXXX XXXX XXXX. See attached affidavit of publication. Failure to do so will result in a lawsuit against your Financial Institution.
Consumer complaint received 2019-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (WA)

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : Sunrise Credit Services The address listed on the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. USPS.com tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 53 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Sunrise Credit Services have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.
Consumer complaint received 2022-08-16
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. (FL)

In accordance with the Fair Credit Reporting act " XXXX XXXX XXXX XXXX '' file or 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
Consumer complaint received 2022-08-16
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. (FL)

In accordance with the Fair Credit Reporting act " XXXX XXXX XXXX XXXX '' file or 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
Consumer complaint received 2023-11-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

my cash app card was transferred {$1400.00} when I disputed it with cash app they told me it had already gone through and would not give me a refund. this is fraud. i also disputed this with my bank. my cash is XXXX XXXX
Consumer complaint received 2021-08-19
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: OneMain Finance Corporation (NY)

To whom it may concern, On XX/XX/2021, I received a telemarketing call offering credit repair services, the person on the line asked me basic question, then asked me to please hold for a specialist. In doing so that person never disconnected from the call while I was providing to the Specialist from XXXX XXXX XXXX. 

Shortly after, on XX/XX/2021 my XXXX XXXX  Checking Account was charged for XXXX dollars for several items of make-up. 

Also, on XX/XX/2021 my XXXX account was accessed without my consent. Upon my reviewing the XXXX account had fraudulent purchases. I reported this issue which was resolved. 

As of current I reviewed my credit report and noticed that during the same time frames there were several fraudulent inquiries : * One Main Financial XX/XX/2021 * One Main Financial XX/XX/2021 * XXXX/XXXX  XX/XX/2021 * XXXX/XXXX XXXX XX/XX/2021 I am requesting that all these Fraudulent inquiries be moved from my credit report immediately from all Personal Credit Reporting agencies specifically XXXX, XXXX  & XXXX. 

Please send me any communication on this matter directly to my email below. 

Thank you in advance
Consumer complaint received 2022-08-16
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. (MO)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( XXXX  ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 


XXXX XXXX Balance : {$9500.00} XXXX XXXX  XXXX Balance : {$7300.00}
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been having an ongoing dispute with a debt buyer collector Portfolio Recovery Associates who for the past five months has refused to provide me validation of debt from the original paperwork I have asked for. Since I know the debt is not mine I have been asking for this proof. 
To my dismay they sent me a letter from their collections dept with a copy paste letter which is not original and not on company letterhead. I called XXXX XXXX  to ask them if they ever sent out notifications on paper not containing their letterhead and they said they did not do that. Here this debt buyer which is reporting on a debt which is not mine is providing me what they say is original proof of the debt but it is nothing more than an in house generated statement. I am including this in the complain for the record. 

I am asking this agency intercede on my behalf to provide the transparency I has requested from them multiple times and which they seem to regard as 'optional ''. I need assistance as a consumer, and I need this company to provide the facts or remove the debt. This is not mine nor is it official as I requested.
Consumer complaint received 2022-08-16
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. (CA)

This is XXXX XXXX and I am submitting this complaint to you today to request that the remaining fraudulent items be removed from my Credit Report. I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have ITEMS left that need to be removed. Per FCRA section 605 the Credit reporting Agencies are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I need the dispute remaining items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (WI)

I submitted my complaints and disputes XX/XX/2022, on XX/XX/2022 experian sent an email stating they were investigating, in their response to this complaint they then stated they received the challenges XXXX XXXX XX/XX/2022, I will attach the email they sent me on the XXXX of XXXX. Again they ( experian ) are committing fraud and misrepresented information deliberately. They have staff who are directly attempting to sabotage my credit report for personal gain, my complaints and inquiries continue to go to the same staff who refuse to adhere to federal and state mandated legislation. They should be sanctioned and reprimanded forthwith.
Consumer complaint received 2022-02-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (FL)

Debt is not only charged off but it is also fully satisfied as evidenced by the attachment. Santander is to cease & desist repossession efforts and send the lien release NOW. It is not to be sold to another " debt collection '' company. You are in violation of Federal Debt Collection Act Practices.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

How am I late on payments after a car was repo? 
The vehicle was repo and defaulting on payment at this point .The reporting of late payments after a repo occurring is an error leaving the deficiency balance.The vehicle was repo and defaulting on payment is in accurate. Reporting late payments is a factual error. The account was identified as a repo but you still report late payments.Since the vehicle is no longer in my possession it will be impossible for me to default on a payment .I have the right to an accurate credit file and discrepancies like this is unacceptable so please immediately remove this account and its entirely from my credit file.A monthly payment should not exist after a repo.XXXX XXXX account number XXXX.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (IA)

Unfortunately I closed the account so I can not get the details for dates but I purchased an XXXX right before the pandemic hit on my target credit card. I was unable to get logged into the account and I never sign up for paperless statements. I was waiting on the paper statement when the pandemic hit and it slipped the priority list. I've had a card with target for nearly a decade. They switched me to paperless and I didn't know. Never got a paper statement and they called. I paid immediately then the next month they hit my credit report. The lady even reimbursed the late fee! Never a late payment. I've also had issues with the target debit card charging multiple times for one order on my money market account which then puts me over my transaction limit but besides the point. I contested with Target and they would not help me out even with the pandemic at the time. It's hurt my credit score and still 2 years later it's not rebounded. Are you able to help?
Consumer complaint received 2022-08-16
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2022-08-28
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. (CA)

I disputed with the credit beau regarding one of my items on my credit report. I asked them what did they use to validate that debt was mine. There was no signatures on that debt from XXXX?