davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Integrity Funding Ohio, LLC (TX)

Due to the Hurricane Harvey damages and FEMA denied my application for assistance, I needed to get the remainder of the repairs done. I'd depleted my savings and repairs were really needed to live in the home. So on XX/XX/18, I went into the XXXX XXXX XXXX location completed the Title loan application and she had me to sign the documents. The strange thing I was told they could not give me the funds at their location and needed to go to the XXXX XXXX XXXX location to pick up the funds. So they faxed my application and a copy of my vehicle title to the other location. The representative gave me a check for {$1500.00} and told me my 1st payment would be due XX/XX/18. 
The Hurricane damages, no savings and one check coming after 2 -3 months caused a financial hardship. I decided to do a Debt Consolidation in which they wanted to payoff the XXXX XXXX Title Loans. We called XXXX XXXX to let them know we were paying off the Title Loan but the company was paying with a check from XXXX XXXX. We told the paying company knew they do not accept their checks and I was floored. My loan proceeds for paying off other creditors would be processed after the payoff of the XXXX XXXX XXXX Title Loan. I don't understand why they would not accept the payment from another financial institution. Now I can not get the loan.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the pysical verification of the original signed consumer contract -any and all accounts you post on a credit report.
Consumer complaint received 2018-02-19
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. (NY)

I am reaching out regarding predatory practices on behalf of the company XXXX XXXX that seek to damage my credit. With the exemption of XXXX in which account XXXX XXXX # XXXX is removed, this said account has been charged off and closed. Additionally, Transunion and XXXX   report this account as closed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The lender ( XXXX XXXX ) is attempting to ILLEGALLY re-age a closed, charged off account. According to the FCRA, the beginning, first date of delinquency can not be changed once an account is charged off. Once a charged off account reaches 7 years, then the credit bureaus must purge the account from your credit history. XXXX XXXX has ILLEGALLY re-opened the account in an attempt to reset the 7 year clock. It is illegal for a creditor to change the purge from date on a negative account by reopening the account so that it remains on the consumer credit report. 

In light of the lack ethical practices on behalf of XXXX XXXX, incorrect payment history, incorrect account status, I am requesting that this account is REMOVED from my credit reports immediately. I have disputed this account several times and both Transunion and XXXX have failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. The lender is attempting to illegally re-age the account. Consumers have the right to be protected from unfair credit practices ; hence I am requesting reparations by the account being removed. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. Thank you again for your time. XXXX XXXX
Consumer complaint received 2022-03-29
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. (IL)

Hi, my name is XXXX XXXX and I had my identity compromised and stolen in which a fraudulent auto loan at XXXX XXXX was opened in my name which led to an outstanding balance of {$39000.00}. Please see the attached documentation as they were failed to notice or meet any of these demands. I have submitted a police report to all bureaus and transition fails to meet the demands of me and the police department as this fraudulent auto loan is not mine and I did not apply for no auto loan. Also, I did not or Never even came across this car or seen this car as it immediately went into a charge off and my credit is very important to me I wouldn't do something like this at all. I want this issue fixed or I will pursue legal counsel as an account that is fraudulently opened in my name is being held against me by this bureau, transunion.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

CASE # XXXX My account number is XXXX XXXX XXXX XXXX ( this account was closed and I was issued a new card ) My English is terrible, and would therefore try my best. 

on approx XXXX or XXXX I was charged {$12000.00} and I called in few month later explaining that I never received the merchandise " I DID NOT DISPUTE IT AS FRAUD '' I was nicely given a refund and all was good. 

Then approx XXXX the refund was reversed and I got a letter stating that it's because I gave the merchant access to my card. 
" OF COURSE I GAVE THEM ACCESS, HOW ELSE WOULD THEY BE ABLE TO CHARGE ME, THE FACT THAT THEY DID NOT DELIVER IS WHAT BANK OF AMERICA SAID THEY WILL COVER ME '' So I was given a list of paperwork to email or mail in and then I was given a fax number where to faxes, I faxed in all requested documents. I then received a direct phone number and I direct representative to deal with. However, every time I called and they played games with me and they told me that has to be escalated and this is not acceptable in anyway I have proof from every angle which I will not release on this's first attempt to resolve it periods shows Bank of America come back with excuses which is they're deceptive lies and corruption I will prove to them all my resources I have. Including and mainly the merchant admitting to me that he refunded it but did not have phones in his account on the refund and therefore it did not go through and in fact he even apologizes to me for filing through. In the meantime I was promised I will not have to pay interest until he finishes on the investigation that didn't a hold true for several months the last three months I didn't pay a lot of money for something I did not receive and I dated a lot of interest and I beg of the consumer financial protection bureau to help me get all my money back. I will attach to this complain the letter which I send to Bank of America I will also attach Bank of America 's letter lying to me and telling me they can not revise the revised phone of course I gave them access to my account. And it's so stupid because every time you do a purchase you give access to XXXX but I have protection that if I don't receive what I paid for a Bank of America you'll take responsibility.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX and XX/XX/XXXX is showing late on my Equifax report. I disputed those two months with XXXX XXXX. XXXX XXXX waived the months of XX/XX/XXXX and XX/XX/XXXX per a good will letter due to my health to paid as agreed. The updated letter was sent to all three credit bureaus. XXXX and XXXX followed suit and updated my credit report. However, Equifax did not as they normally do not update accurately again.
Consumer complaint received 2022-11-19
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA 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 CT XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXXXXXX XXXX  XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXXXXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MT)

I am starting a new complaint as I am super frustrated with Wells Fargo. This is in regards to a XXXX scam. I have already filed claims which Wells Fargo directly which were denied. I have also already filed a complaint against them, which was closed. They are failing to help me and I am going to have to take legal action if this doesnt get resolved. For full details of the scam you can reference : Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX I am extremely dissatisfied with Wells Fargo. You guys have failed to help me as a customer as I was a victim of this horrible XXXX scam going around. This same scam targeted many XXXX XXXX XXXXXXXX customers ; however XXXX refunded their customers who were victims to the scam. You guys have failed to do so. Therefore I have no choice now but to take legal action. I am very frustrated. I have my money in your bank to be protected. And you guys are unable to do that for me. I have been a XXXX customer since 2003. I will be switching banks once all of this is resolved. 

A federal law known a Regulation E protects victims of fraudulent money transfers. Consumers who suffer unauthorized transactions are entitled to Regulation E protection, and banks are required to refund. This isnt a controversial opinion, and it was recently affirmed by the CFPB. See the link below : https : //www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/ I refuse to let Wells Fargo fail to help me as a customer of theirs for 18 years. I am going to take legal action.
Consumer complaint received 2021-12-01
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland Credit has not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( XXXX ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX ) What is your authorization of law for your collection of information? 
XXXX ) What is your authorization of law for your collection of this alleged debt? 
XXXX ) Please evidence your authorization to do business or operate in the state of Florida. 
XXXX ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc. (MO)

I have a XXXX account number XXXX. This was paid in full by my self and my insurance copy and lapcorp settle this account closed they agreed to have this account completed removed from my credit. Report immediately all three that was 4 months ago. They have sent out letters to the credit collection. Company several times .. the copy keep responding they never received the letter,,, lapcorp can not send me the letter directly because it is an internal request,, .. XXXX contacted this company several times and they are refusing to remove this account completely from. My credit report
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Well i finally have gotten one fraudulent accounts that were in collections removed and instead of XXXX, Equifax, and XXXX, XXXX XXXX raising the score XXXX XXXX like advertised, it dropped 21, ive been writing vigorously trying to get fraudulent debts where law enforcement and my ex took credit cards out in my name and got loans and services using my information or changing my personal information so they could steal and ruin my credit, all the services and beruas show conflicts of information, I just applied for Credit Cards for the first time in 25 years and it shows ive had them before but it was done fruadulant, I used a company XXXX XXXX XXXX for 25 years and never needed a credit card, i always thought my credit would go up over time and it never did because someone was committing fraud using my information, I want all debts and closed collections removed from my reports globally, i onlywant 1 name on my reports globally XXXX  XXXX steal from me or use my information, they probably have fake id, XXXX XXXX XXXX XXXX is the only name i go by ever in life, my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX, take off all those old fraudulent addresses ive never lived in XXXX  or XXXX  or XXXX, I want myscore adjusted to what it would have been if fraud wasn't committed, I work at XXXX now XXXX XXXX XXXX XXXX XXXX  XXXX, and formally at XXXX XXXX XXXX XXXX, everything else i want off of my reports globally, so its not so easy to keep doing this to me, i cant even get a apartment in my name and ive done nothing wrong, XXXX is my only social security number my only phone number is XXXX before that i used a company provided cell phone. Please help me getthis all straightened out. My future and life depends on it.
Consumer complaint received 2021-04-12
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: JPMORGAN CHASE & CO. (IL)

I'm XXXX years old. I ran my credit for the first time XX/XX/XXXX. There's a credit card on my TransUnion account. It has a 60 day on it. It also has an open date of XX/XX/XXXX. Seeing as though I wasn't born until XXXX, I'd like to have this credit removing removed. Obviously it is not mine, nor did I give approval for my information to be used.
Consumer complaint received 2018-02-19
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: ALLY FINANCIAL INC. (MO)

I called both companies to let them know I was not the one inquiring about airline credit cards and needed it disputed. I was let known I was not in their system and they could do nothing to help even though it was on my credit.
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I have a company that decided last XXXX to claim I owe on a card that I paid off and cleared over 10 years ago. The card hasn't been active for around 15 years. I know who the original card company was ( XXXX XXXX  XXXX XXXX ) but can not find any information to contact them directly in order to clear this up. The company claiming I owe them ( XXXX XXXX XXXXXXXX ) is known for fraudulently re-opening old card accounts. I want this off my credit report, it is false and was settled a long time ago. Since it was paid off so long ago, I doubt I can find any type of paperwork from me paying off the account. Please help me with information so I can attempt to get proof from the original card company that this account was paid in full. This account has not been on my credit report for at least 10 years.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out regarding predatory practices on behalf of the company XXXX XXXX that seek to damage my credit. With the exemption of XXXX in which account XXXX XXXX # XXXX is removed, this said account has been charged off and closed. Additionally, Transunion and XXXX   report this account as closed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The lender ( XXXX XXXX ) is attempting to ILLEGALLY re-age a closed, charged off account. According to the FCRA, the beginning, first date of delinquency can not be changed once an account is charged off. Once a charged off account reaches 7 years, then the credit bureaus must purge the account from your credit history. XXXX XXXX has ILLEGALLY re-opened the account in an attempt to reset the 7 year clock. It is illegal for a creditor to change the purge from date on a negative account by reopening the account so that it remains on the consumer credit report. 

In light of the lack ethical practices on behalf of XXXX XXXX, incorrect payment history, incorrect account status, I am requesting that this account is REMOVED from my credit reports immediately. I have disputed this account several times and both Transunion and XXXX have failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. The lender is attempting to illegally re-age the account. Consumers have the right to be protected from unfair credit practices ; hence I am requesting reparations by the account being removed. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. Thank you again for your time. XXXX XXXX
Consumer complaint received 2018-02-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO. (NY)

Hello, I am currently being garnished by XXXX and XXXX a law firm in XXXX, XXXX XXXX. The debt they are claiming that I owe is almost 70,000 to XXXX XXXX XXXX, however I received a debt forgiveness from Chase bank who was the original creditor in 2014. I've sent over my corresponding documents several times to both the marshal 's office as well as the law firm, they never get back to me or give me a straight answer. I live alone and desperately need some direction as to how to make this stop.
Consumer complaint received 2020-12-12
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: EQUIFAX, INC. (OH)

I previously submitted a Police Report and a FTC report regarding Identify Theft. The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX, # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AL)

I am uploading my tax information regarding the loan. 

The interest rate stated is 6.8 %. I still owe about {$3200.00} total. Somehow, they were able to extract {$810.00} in interest payments over the last year. The only way they could do that is if they were still charging me interest on the full loan amount as if I never made any payments ( originally about {$8000.00} XXXX. I do not think they are subtracting what I've paid from the loan amount before applying interest.