davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ovation Financial Services, LLC (TX)

My trouble began in  XX/XX/XXXX . Company did not bring my account current when I completed my payment arrangement as agreed in  XX/XX/XXXX . As a result, I was charged additional fees in   XX/XX/XXXX , along with, a default letter fee of {$200.00} filed with additional fees, filed in  XX/XX/XXXX . The balance due in  XX/XX/XXXX  included  invalid fees that were included in the payment plan already completed. I refused to continue paying the company on a incorrect account balance. In addition, the Company could not tell me if I continued to make payments on an incorrect balance, how am I assured payments would be directed to the correct items due. They could not answer that question. I requested for the rep to submit my dispute and to remove ALL fees, ALL default letter fees and ALL late fees since my account has not been accurate since the payment plan ended in  XX/XX/XXXX . I was told on  XX/XX/XXXX  that my account was not " adjusted '' until  XX/XX/XXXX . Therefore, the Company was asking me to continue to pay on an incorrect balance. I was advised by  XXXX  that my current balance included previous fees that should have already been paid off with the previous payment arrangement. Company continues to send me statements that do not itemize what the balance due is comprised of.
Consumer complaint received 2023-01-27
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. (CA)

I sent a letter on XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX  XXXX Balance : {$6100.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$7700.00} that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2020-06-27
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. (GA)

Equifax continues to report a bankruptcy that has not been properly verified on my report. I have continually asked for this item and the accounts attached to it to be investigated.They continue to respond with the words it is verified without providing any proof that they verified the items.They are in violation of the FCRA.
Consumer complaint received 2018-07-11
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: EOS Holdings, Inc. (CO)

I found an account that I did not recognize so I called and the adress and phone number that they had we're not any that I have ever used and the date in which the account was opened I was not living in the state in which it was opened in
Consumer complaint received 2021-01-21
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. (MD)

i disputed some unauthorized credit inquires on my credit report and Equifax responded by saying contact the creditor and listed Equifax to be contacted i have attached a copy of their response
Consumer complaint received 2018-03-29
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. (PA)

On XX/XX/2017 XXXX XXXX appeared on my credit report with a balance of {$400.00} I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

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. The law is very 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
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: William C. Grossman Law, PLLC. (FL)

I received a call from a local number XXXX, so I answered and a gentlemen explained that this was a collection attempt on a credit card that they were hired to collect on, I explained that I am not able to make a payment arrangement and that I am currently staying with a friend temporarily, and he said that he will let the rep know that originally called and the next time they contact me it will be through a lawsuit.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AL)

When funds were low and deposit was pending they charged my savings account the fee. Then started it couldnt be over 4 hours at a {$0.00} on the account before you got a late fee.
Consumer complaint received 2018-03-29
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. (PA)

On XX/XX/2015 XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

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. The law is very 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
Consumer complaint received 2018-07-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC. (AL)

I got a loan in 2016 I have paid it off but im still paying it now. I got a loan for XXXX the principal are very high im still not done with it but I have paid this loan off twice. I need this problem fix asap
Consumer complaint received 2023-01-27
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. (WA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 2020-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/2020, I called Capital One customer service, and I requested to get protection for my monthly payments due to Covid-19. The customer service confirmed that I would be protected till XXXX ( next payment ) Because my XXXX payment was already covered and protect under COVID 19 program. Unfurtanetelly I received a notification from XXXX   that Capital One reported 30 days late payment. Impossible because they explained to me that the XXXX payment was already protected. The customer service fails in providing the correct information about the next payment and the credit report, to help me as a client to avoid being report to the credit bureau. I called today again, and I asked them to remove this error from my credit. I didn't get any reference number or case number to follow up. I'm facing an economic situation due to the COVID 19.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

There was a fraud transaction on my Wells Fargo Credit Card on XX/XX/2021. My Card was used to make an unauthorized purchase of {$2000.00} at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I received the fraud alert from Wells Fargo on phone. Immediately I freeze my credit card and requested a new credit card. I opened a fraud claim with Wells Fargo for the same. Later wells Fargo posted this transaction to my statement and denied the claim. 
I submitted re-consideration and submitted following documents to the bank through FAX and also documents were sent to them to their po box Number : Copy of Police Report Copy of Text Message Fraud Alert Copy of Fraud reported to Credit Bureau Text message alerts from other bank where fraud happened at same time To my surprise reconsideration was also denied without providing explanation.
Consumer complaint received 2018-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Arbitration Forum (WV)

Company keeps calling stating there is fraudulent activity with my bank account and social and they are leaving messages repeatedly and saying they are accepting the message as knowledge that I received notification and will be taking further action against me and then states Good luck last message stated it was from a XXXX XXXX. I called them back and asked for their address so I could contact a lawyer due to harassment they said they were not entitled to give me there address that that information was none of my business and that they would be filing criminal charges against me for asking and for harassing them and they hung up on me. Ive been told in the past this is in relation to a payday loan of which Ive never applied for ... .I live in a WV which is a state that does not allow payday loans so it would be impossible for me to have one.
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (ID)

On XX/XX/2020, I checked my credit scores on XXXX XXXX and was excited because my XXXX  and XXXX  scores had risen by 30+ points. My husband and I had been working to improve our scores so we could get our mortgage refinanced through a traditional bank instead of our escrow services. Quicken loans was contacted about this a few years previously and told us that we needed to have a FICO score of XXXX. So, we kind of gave up. Well, not watching our credit scores, they rose more. Again we tried to refinance through Quicken Loans and was told this time that we had to have a FICO score of at least XXXX. So, we paid off a whole bunch of debt and worked hard to get over that XXXX mark and finally did on XX/XX/2020. I called Quicken loans to see if we could finally refinance. We were surprised to find out that they went off of our highest scores. It was strange that my XXXX  score, checked that morning was below XXXX. XXXX  and XXXX  reported my scores well above XXXX. But Quicken Loans informed us that my XXXX  score was the highest at XXXX. How can there be this much of a discrepancy when I look at my credit report and when they look at my credit report? And why do I have to pay a monthly fee to any credit bureau to raise a number that I am judged by? Looking at my three free credit reports once a year doesn't even include my credit score. So how can someone just pull up my credit score and I, whom this number belongs to, not have that privilege? And don't you think if I had the money to pay these companies, my credit score would be higher so that I wouldn't have to pay to get this number? This credit bureau system that's in place is so flawed, ridiculous, and so extremely frustrating. Telling me I'm using 100 % of my credit and lenders see me as a poor choice to borrow money. My debt to income ratio is 8 % and I should open a credit card account to raise this magic number. But don't use your credit card over 30 % of the credit line or this will lower your number. I guess what I'm trying to convey is, why are we judged by a number? Everyone makes mistakes in their life. How can Quicken Loans tell me to do all of this stuff to raise my credit score and when I do, they don't hold up their end of the deal with no consequences for them, but another inquiry goes on my report? And their website that says you are qualified to refinance or buy a home but when they call you the second your phone number is entered, you are not qualified because of some new excuse. This is false advertising, bait and switch, and very deceptive. It's pitiful how businesses, financial institutions, landlords, and even potential employers can base their decisions on a number rather than looking at someone and asking them questions.
Consumer complaint received 2023-01-27
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 View full complaint
Consumer complaint received 2023-02-05
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. (GA)

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 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 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 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my profound frustration and anger regarding the inaccurate reporting of my credit information by XXXX. It has come to my attention that there are significant errors in my credit report directly attributed to XXXX 's mishandling of my account information. 

Your company 's failure to ensure the accuracy of the data being reported has resulted in serious consequences for my financial standing. This is completely unacceptable. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit profile. Your negligence in this matter has caused me undue stress and inconvenience, and I will not tolerate any further delays or excuses. 

I expect XXXX to take swift and decisive steps to correct the errors on my credit report and provide me with confirmation of these corrections without delay. Additionally, I demand compensation for the damage caused to my financial reputation as a result of your company 's negligence. 

Failure to address this matter promptly and satisfactorily will leave me with no choice but to explore all available legal avenues to seek redress and hold XXXX accountable for its actions. 

I trust that you will treat this matter with the urgency and seriousness it deserves.
Consumer complaint received 2018-03-30
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: Credit Plus Inc (LA)

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX  on XX/XX/XXXX with a report number # XXXX  for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

XX/XX/XXXX Credence Resources has reported on my credit a balance of {$470.00} without any notice. I am requred by law for debt validation along with proof they are allowed to collect as they have never attempted to contact me before reporting this claim on my credit. I deny any ownership of this supposed debt. This is the second company to report on my credit regarding the same amount in which on XX/XX/XXXX and XX/XX/XXXX was removed for lack of proof.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (FL)

{$5000.00} loan has a balance owed now over {$50000.00}. I have been consolidated to Great Lakes and in forbearance for many years now. I work, but could n't afford {$400.00} plus each month so they put me on income repay at {$140.00} per month but with hardships they put my debt on the back end and capitalized the interest and auto forbearance every three months. I ca n't afford repaying all this interest and penalties!
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

i am the ongoing victim of cyber  stalking, hacking, harrassment, identity theft, benefit fraud, real estate fraud, trust fraud, XXXX fraud, bank fraud these companies were listed on my XXXX credit report ( i have never heard of these, never applied, or gave my ssn, or recieved, they are all fraudulent ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX experian says there is a credit freeze my ssn is XXXX, i have tried to unfreeze it, it wont work, i can not access money or employment to survive