davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (FL)

The lender repossessed my vehicle on XX/XX/2018 causing severe damage to the vehicle by the towing company they hired to perform the repo. The " aggressive '' towing practices of the repossession placed excessive force on rear steering parts vital to safe driving, which caused those parts to brake. A claim was filed with the lender which they refused to investigate. The lender has not provided any written explanation as to why they denied the claim or if they indeed performed an investigation. The repair shop that car was held at was never contacted by the lender as part of their investigation. 

The vehicle was inoperable for over two weeks because I lacked the funds to cover the repairs. My warranty company would not cover the parts because they claimed " excessive force '' caused the parts to malfunction. The tech at the repair shop also suspected that a " towing company was the probable cause '' of the damage. 

This has placed an overwhelming amount of financial pressure on my family considering I did not have a way of reliably getting to work, in addition to coming up with the funds to pay for the repairs out of pocket. 

The lender sent me a letter stating I have not contacted them regarding the matter which I responded to because I've reached out to them several times via phone and email. See attachments.
Consumer complaint received 2018-04-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

I have been working with Navient to reduce my loan Payments for the last two years. My original payments were {$220.00} a month which I was having trouble making. I called Navient to see if I could reduce the payment and they offer a payment driven plan stating that it would decrease the amount. This was in XX/XX/2015, the amount increased to {$270.00} which they knew I could not afford. I communicated back and forth for months, and they kept saying that they could put it in forbearance and how I could try the payment driven plan again. After the time ran out the amount increase to {$660.00} a month, which is impossible for me to pay. Now they are saying my only option is to consolidate my loan. Now I believe the loan is in default. Now I send what I can.
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MD)

CITIBANK, I sent a LEGAL Notarized affidavit disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), to Provide physical verification of the original signed consumer contract. I demanded to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal
Consumer complaint received 2019-06-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc. (MI)

I had a lease with Gm Financial and I was 5 payments late which actually ended the lease they charged the vehicle off stating that I owed XXXX that is the total value of the car and exceeded the XXXX dollars that I may owe and that should be realized when thay send me my final bill. How could they charge the vehicle off and have possesion of the vehicle.
Consumer complaint received 2020-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

TransWorld is reporting negative on my XXXX credit report. Debt was paid in full on XX/XX/13, and yet has been removed from negative reporting on my XXXX profile. XXXX neglect to remove reporting, companies combined debt on XXXX XXXX XXXX report with two different account numbers. When asked rep to advise further how can you combine two different accounts with different alleged medical dates, rep hung the phone up in my ear without explanation.
Consumer complaint received 2022-04-26
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. (AZ)

I have asked Experian, XXXX and XXXX for a more than reinvestigation 6 times. I have not been given this. I have formally asked by mail, I have asked by phone and I have asked online. I have errors on my credit report that they refuse to fix. They do not offer me proof of investigation or proof of the original debt required under the fair credit reporting act. Their employees do the bare minimum of work and millions of consumers pay the price for their negligence. There is a fiduciary duty to uphold the laws set in place to protect people. It does not seem to matter. 


Several of the accounts have the wrong dates reported. By law, the first instance of an account being delinquent is the date in which the 7 year rule starts. XXXX accounts are more than 7 years old. They became delinquent more than 7 years ago. In order to keep them on my credit report, the reporting companies must provide a full accounting of the original account terms along with a full accounting of all payments. They must also have the correct legal name of an individual and the correct SSN and date of birth. If they can not provide ALL of these detail, under the FCRA a debt MUST be deleted. 

ERRORS : # 1. I have a closed credit card from XXXX  XXXX XXXX that is too old to be on my report. If the reporter fails to furnish all of that information and legally required documentation within a 30 day investigation period, the debt must be removed by the XXXX. 

# 2. I have a closed account from XXXX XXXX that is not only too old to be on my credit, but the sum of the original debt was fulfilled at auction and the company did not issue me the positive difference that they made of the vehicle which is illegal. 

# 3 My legal name is incorrect. I have provided legal documentation of my name to these bureaus on more than one occasion and my name is STILL incorrect. Which is causing many errors in credit reporting. 

4 # I have a collection from XXXX XXXX XXXX that was paid to the original account holder. I paid my entire balance on autopay until I canceled the account in person at the California office. They must provide all original payment history to show that I did not. This account also has the wrong dates reported and was fully closed in XXXX XXXX after being paid in full. I did not have an account with XXXX in XXXX at any point in time.
Consumer complaint received 2021-05-03
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. (NJ)

some one has stolen my identity and has been using it for years. Every now and then new account that I did not open appear on my credit. Weird letters are coming to my house and I am getting weird phone calls. I never every in my life opened a XXXX XXXX rewards card but they keep on appearing on my credit report with a high balance and late payments that account does not belong to me and I have been trying to get this resolved for years. 

I have a fraud account that has popped up on all three of my reports named XXXX XXXX I do not know what this is or neither did I authorize this account. These accounts are FRAUD AND I DID NOT OPEN THESE ACCOUNTS. SOMEBODY IS PRETENDING TO BE ME AND OPENING ACCOUNTS and I do not know how when I have a fraud alert on my reports. 

There are fraudelent inquires from XXXX/XXXX  XXXX XXXX/XXXX
Consumer complaint received 2022-04-26
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. (OR)

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 XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-04-26
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. (NC)

Account with XXXX XXXX is appearing on my credit report. This is a result of identity theft. I have attached a copy of my FTC XXXX affidavit in support. Please block and suppress this incorrect information. 

Account # XXXX
Consumer complaint received 2019-06-08
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

In XX/XX/2019 I received an e-mail from Walmart with a link to apply for a XXXX XXXX job. XXXX XXXX XXXX XXXX and looking to make some extra money to contribute in the household with the expenses, my husband 's paycheck beeing our only source of income, I followed the link and applied naively. Days later I received a text message to tell me that I have been selected. I received an envelope via mail USPS, with a check of {$2500.00} and a letter with instructions. So I went to the bank, deposited the check on my account and 2 days later when the check became available I went as instructed to the bank, withdrew the money and headed to Walmart to make my survey. As part of the job I had to buy 4 Money Orders for {$500.00} each at the store 's Moneygram so did I and sent them blank with all the receipts to the address provided. The next day my account was overdrawn. Realizing that I was victim of a fraud I went to XXXX website first to track the package. It has been delivered early in the morning. Next I went to Moneygram 's website to report the fraud and asked them not to give the money to anyone. Then I went to the Walmart store where an associate informed me that there is a Walmart scam running an confirmed me of the fraud. I went to the Moneygram 's booth where I talked to the same associate who served me when I bought the Money Orders. She gave me a phone number that I called they told me that they had put a stop on the Money Orders, the money was still in their possession I had to allow them 3-7 days to process the case and send me a refund. I had to pay {$45.00} per Money Order. 2 days later I kept checking my case online and calling the phone number provided by the cashier they kept telling me that they still had the money and that I should receive the refund soon. The 3rd days I received an e-mail from Moneygram asking me for more informations. The pictures of the Money Orders and receipts and my personal informations. Later I received another e-mail telling me that my case is closes because someone took the money and that there is no refund possible.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

This is my second time with Wells Fargo having identity theft and my money being taken. I had applied for a XXXX XXXX XXXX XXXXXXXX  and someone else received the check for XXXX XXXX and cashed it into my account and took it out with no proof of ID. I was not notified I filed a complaint called to make the fraud claim that the Wells Fargo manager had me do since they couldnt help me at all or give me an explanation as to why I they didnt freeze my account when seeing this activity going on. They said they normally send an email out of there is suspicious activity, which is beyond ridiculous knowing that its not just & XXXX or & XXXX dollars being taken it was nearly {$2000.00} and then some from my work checks that would be deposited. I closed the Wells Fargo account they made me pay a fee of {$180.00} something dollars to close it and then I filed a law suit with my attorneys. Im still in the process trying to retrieve my XXXX XXXX check that someone cashed out without a valid ID. I will keep filing claims and fraud against Wells Fargo and the employees that did not help me nor the manager at the location where I live. I will constantly write bad reviews until something is done and keep writing letters on all documentation for my attorneys for this case to be big enough to build on and on others claims Ive received that havent had any positive feedback on theyre claims being filed of wrongful activity and the worse bank of all. I just filed my law suit and just filed a police report along with it as well. I will not provide any documentation for Wells Fargo as of now that I have my lawyer because before I filed I was giving and going through Wells Fargos portals of fraud claims, HR, customer service what have you Ive gone through them all giving proof of documentation just to be given the run around of no solution so now Im taking bigger steps to get this resolved and then sum.
Consumer complaint received 2022-11-17
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2021-11-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Experian Information Solutions Inc. (CA)

I have a partial account number which I will disclose later. I request my credit report and through it I learned there is a fraudulent loan reporting on the credit bureaus without my knowledge and authorization. The company that shows for is XXXX and claims that I am indebted to them {$5600.00}. While checking the credit report, I discovered this loan account was opened on XX/XX/2020 and the charges are still on-going with charge-off balance. This amount that is stating on my credit report and the loan account does not belong to me. I conducted some investigation and it led me to conclude that my personal information has been compromised because this is the work of an identity thief ( s ). I have never associated with this financial institution which bring me to the conclusion that my identity was used by unknown individuals that used and benefitted from services or good and monies on my behalf without my knowledge and consent. I have disputed the account with the creditor and with the credit reporting agency that this account is not mine and I am not associated with them. Yet, they refuse to take any action that of removing the fraudulent account from my credit report and my records entirely. This complaint today is being filed with the CFPB to inform the negligence of duty by the credit bureaus and the creditor as well. I have filed for an immediate block of this fraudulent account immediately upon learning of the existence of this account. Therefore, with this official complaint, I request from you federal agency to take an immediate action against the credit bureaus and the creditor as well to immediately initiate the block process to remove this fraudulent account permanently from my credit report and from my records. Additionally, the creditor must remove my personal information from their databases due to consumer privacy matter. I do not want my personal information to be shared with an unknown entity without my knowledge and permission.
Consumer complaint received 2019-06-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I got a loan from Advance Financial. They say that it is an " installment '' loan, but their business is more set up like a Payday/shark loan type establishment. They accrue interest daily on accounts and the APR is almost 300 %! Their current statement shows that I owe them {$4400.00} for an original loan amount of {$2600.00}. This is after they took out a payment of {$560.00} last week from my bank account, WHICH I DID NOT SET UP AS A PAYMENT IN THE FIRST PLACE. But neither my bank nor the company will refund the funds that were taken. I don't see how they are operating legally with this type of exorbitant interest charged to " customers ''. Their guise is that they are a " family lender '', but are really financially raping and taking advantage of the most vulnerable and economically disadvantaged people. 

I talked to a bankruptcy lawyer, but he thinks it would be better for me to settle with any accounts that I can on my own. They emailed me a " settlement '' for {$4300.00}! I found that insanely amusing to offer a " settlement '' where they are profiting almost DOUBLE!!!! ( In addition to the almost {$600.00} they just took from me. ) I think this company needs to have a class action lawsuit brought against them, and repay some of the money they swindled from the " families that they helped ''. 

Their info : Advance Financial XXXX XXXX XXXX XXXX, TN XXXX ph : XXXX-XXXX-XXXX
Consumer complaint received 2020-06-02
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. (OH)

The only credit bureau reporting unknown account. This account has been guaranteed not verified. No obligation to Chapter XXXX Bankruptcy. By federal law, this account shouldn't be reporting and in violation of FCRA laws. Submitting complaints prior to seeking legal counseling due to non compliant accounts and credit bureau not investigating into damaging accounts and falsely verifying as accurate. It's been past the allowed timeframe.
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX ofXX/XX/XXXX I opened a XXXX card with them, the limit was not what I was expected and I was recommened to wait 6 months, apply for another credit card and that I would be able to combine their limits. I had previously used this service successfully. 

On XX/XX/XXXX after six months I again applied for the same card and was approved at the same XXXX dollar limit. I went ahead and went to their website to proceed with the combination of the two cards. I was then given an error saying this service is temporarily suspended. 

I called customer service to see when the service would be available again on XX/XX/XXXX. I spoke with a customer service representative and was told this service is unavailable and they have not date for when it will return. I then esclated to a supervisor and they informed me that this service is now suspended and has no date for return. The ability to request it is still on the website and my terms of service of both cards still mention the ability to do so. 

Capital One was unwilling to allow me to do this. After dealing with a Senior Account Manager I was told that there is no further place to escalate this issue and they were  unable to provide me contact with anyone beyond the Sr Manager. 

There was no communication on this feature change, it is still advertised on their website and XXXX. My expectation is that if they are removing a critical feature that I have used multiple times as customer has been removed, that it would be communicated and at least removed from the XXXX  or site. 

Had I had this information I would not have applied for this credit card. Now I am stuck with a hard inquiry on my credit report, a credit card that I really don't need since the whole objective was to raise the limit by combining them. They were also unable to provide me details on what further steps I could take to get the the credit lines merged. 

They gave me a XXXX dollar credit line increase on my original card, and a XXXX dollar limit on the new one. I do not understand why they would extend such a large line of credit on a new card as opposed to just increasing my current product with them. 

This has negatively effected my total age of accounts, hard inquiries on my credit report and given me another credit card to carry around.
Consumer complaint received 2018-06-06
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. (MS)

My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am XXXX and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.