davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (KY)

I borrowed a total of {$4000.00} in the Covid pandemic due to financial hardship and poor credit and had just lost my job. I was taken advantage by TitleMax Title Loan in XXXX TN they gave me this loan after luring me in not making me aware of the 330 % interest rate on this loan over 12-36 months the payment alone was over {$500.00} a month on this loan I fell behind even worse and couldn't make the payments and defaulted on the loan they never made any contact with me or attempted to help me with arrangements or any kind of relief to due to the hardship caused by covid pandemic. Then on XX/XX/2022 I was harassed and stalked by a repo man who was waiting outside my apartment complex and followed me everywhere I went and I went into the store and he was waiting for me at the door broadcasting my name and my business and that he was repossessing my car and he already had it hooked up on the truck without warning or anything he told me they have been stalking and harassing my family members and all known addresses even stalking my credit report and post office to get my address to repo my car I called them and they were smart and rude and weren't willing to help me or work with me said they wanted {$5700.00} to get my car back now or they would sell it now I have lost my job again fixing to be evicted and have no car to find another job to be able to pay my bills and live. I would like to be included in any and all class action lawsuits against them for luring people in with these outrageous interest rates and for damages I have incurred do to this matter and for taking my car for no reason and without warning or attempts of any kind to fix this matter before this happened they are crooks and should be in jail for the way they cheat and scan people in this recession.
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

In XX/XX/2021, Mr. Cooper purchased our home loan and we were notified of the transfer. We do NOT have an escrow account with Mr. Cooper, nor did we with the mortgage company prior to Mr. Cooper. In XX/XX/2021, I received our monthly mortgage statement that suddenly showed a negative balance of {$700.00} in an escrow account. Again, we do not have an escrow account. Upon calling the company, we were told that Mr. Cooper paid our homeowner 's insurance, from an escrow account ( that we never opened ). We never authorized anyone to open an escrow account. I inquired as to why a payment was made on our behalf from an escrow account that we never authorized to be opened, but the only response was that the company would do an escrow analysis on our account. We never received any explanation. The only option was to send Mr. Cooper a check for {$700.00} to essentially pay them back for paying our homeowner 's insurance, or they would add the amount onto our principal payments. I contacted our insurance company, XXXX XXXX, who said they never requested payment by Mr. Cooper. At the time of my inquiry in XXXX, there were no posted statements in our account under the escrow section of their website. 

Today, I checked my account at Mr. Cooper 's website and it shows that the {$700.00} I sent them was applied ( incorrectly ) to my principal loan amount instead of to this mysterious escrow account which had a negative balance. Again, I spoke today with representatives at the company ( one in mortgage, one in escrow, and one in insurance ) who assured me they moved the payment over to the escrow account. The representative in the insurance department named XXXX, told me my account showed that we had an escrow account that was reviewed and approved by a manager and made a payment from that account in XX/XX/2021. I asked to be escalated to an escrow supervisor and was sent back to the main menu and never could connect to a live person. In my frustration and concern that this will happen again, I decided to file this complaint. 

In addition, I have concern that Mr. Cooper backdated escrow statements and posted them to my account falsely. In XX/XX/2021, when we first received a statement showing a negative escrow balance, there were no additional statements showing explanation. Today, there are now 4 statements that are backdated from XX/XX/2021 through to XX/XX/2021. Again, these documents were not present in XXXX. Each statement shows a different escrow balance. 

I am concerned that Mr. Cooper will again make a payment to our insurance company from an escrow account that we NEVER OPENED. I am also concerned that they are backdating statements that never existed and uploading them to our account.
Consumer complaint received 2022-08-03
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/2019 - XX/XX/2019 )
Consumer complaint received 2021-08-31
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. (NV)

I previously contacted Equifax on XX/XX/21 and XX/XX/21 about removing/Blocking/Deleting 3 accounts from my consumer report. 

Pursuant to the FCRA 15 USC 1681a ( 2 ) under the Exclusions section it states : The term consumer report does not included ( A ) ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. Also under the exclusions section in the FCRA, 15 USC 1681a ( B ) it states : any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Pursuant to TILA 15 USC 1602 ( k ) " The term Credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining property, labor, or services on credit. Equifax has failed me as a consumer and violated my consumer right by allowing this information to continue to be furnished on my consumer reports, which has caused me great financial harm Also in response to my previous communications with Equifax, an investigation was allegedly administered. Pursuant to the FCRA 15 USC 1681a ( e ) it states : " The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such information. However, such information should not contain specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ''. To this date Equifax has never interviewed any of my neighbors, friends, relatives, or associates in relation to furnishing a consumer report in my name. Equifax has only received information relating to those accounts from the creditors and the creditors only which is another Violation of the FCRA.
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

A {$1200.00} deposit was made into my checking account on XX/XX/2019. The same {$1200.00} deposit that has been made on the XXXX of the month every month for a year now. The day is was deposited, I saw {$400.00} was made available immediately. When I checked the account online the next day, however, the entire deposit was put on hold. The {$400.00} made available disappeared and no reason was given for the hold nor any time frame. This morning when I checked online, XX/XX/2019, XXXX days later now, an entry appeared that the hold was until XX/XX/2019. This entry was not there on the XXXX nor on the XXXX. 

We consumers are tired of Wells Fargo playing their games to the detriment of consumers. 

I've had this account and others at Wells Fargo since they bought XXXX and do not deserve to be treated with such disdain and disrespect and below the board behavior.
Consumer complaint received 2019-10-03
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. (MI)

On XX/XX/2019 I submitted a dispute of an error on my credit report which was for a collection placed by a company called XXXX XXXX XXXX who reported the collection for the original creditor XXXX. I reached out to correspond and request debt validation as I had never received any information from the original creditor or XXXX XXXX XXXX about this debt including any bill or utility usage. XXXX XXXX named XXXX stated that she didnt know why I was getting a collection reported on my credit by XXXX XXXX XXXX because they use XXXX XXXX and not XXXX XXXX. I submitted evidence to XXXX XXXX XXXX, XXXX, XXXX, CFPB, and XXXX  proving that I moved and that this collection is an error on my report. 

FDCPA and FTC law states : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt.

This debt should be removed from credit reports and collection stopped if not validated within the given time frame.

This debt has never been validated to me after correspondence and I check my mail everyday. The only way I found out about it was through my credit report. My wife is also witness to this bogus debt harassment by XXXX XXXX XXXX. 

XXXX XXXX of XXXX XXXX has put into writing on XXXX separate government regulated websites that this debt that XXXX XXXX is trying to collect on is not shut of with XXXX until XX/XX/2019. It also says it was opened XX/XX/2019 which is false and untrue considering I am paid in full and up to date on my XXXX bills. 

Now XXXX and other resources I have used as a consumer have failed to properly investigate and remove this error from my credit which is a violation of my FCRA rights!
Consumer complaint received 2022-08-03
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. (GA)

When I reviewed my Credit Report I noticed that there is still DEPTEDXXXXXXXX XXXX that is reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (FL)

I mailed XXXXwo ( 2 ) Cease and Desist documents to XXXX XXXX, XXXX XXXX-Chase XXXX XXXX  XXXX I sent these documents certified mail, I received the return receipts. Which are stamped XX/XX/2021, when they signed for the documents. My Cease & Desist request that if they need to communicate with me, to do it by mail also 1. Zero out the balance on both credit cards. 
2. Reinstate this account and reissue me a card with the same account number.

3. Increase the limit to {$15000.00}, youre in violaion of 15 USC 1602 ( k ) when you denied me an increase on my open end credit plan 4. Furnish me the Audit Trail 5. Furnish me the entire File on me XXXX XXXX. 
6. Furnish all Documentary Evidence on me ; all documents, forms, files, correspondence, books of accounts, financials and corporate records.

7. Report {$0.00} balance on all consumer reports every month. 
XXXX. At this point you are in violation of 15 USC 1 and 15 USC 1693, take heed to all of my remedies or I will begin the legal processes. 
XXXX. I do not give Chase XXXX XXXX permission to speak to any third party regarding these alleged debts as that would be a violation of 15 USC 1692c ( b ). 
XXXX. I do not give Chase XXXX XXXX permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ). 
XXXX. I do require you, Chase XXXX XXXX to remove immediately information about this alleged debt from my XXXX, XXXX, and XXXX credit report which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).

12. Pursuant to 15 USC 1692h ( If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer 's directions. ) I want all payment excluding the first one, sent to me the consumer. By check to the address furnished at the top. 

On XX/XX/2021 at XXXX, XX/XX/2021 at XXXX and XX/XX/2021 at XXXX, I was contacted by phone by XXXX. The first time was to tell me that they received my documents and are doing an investigation. The second time was to tell me that the investigation have started and they will get back to me asap and send me the documents I requested. On XX/XX/2021, I was contacted by XXXX, to let me know that my request has been denied and my remedies will not be met. My demands on the cease and desist where very clear and I reminded them that they have a copy of it in hand
Consumer complaint received 2021-09-17
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: EQUIFAX, INC. (FL)

Numerous times i have disputed with the credit bureaus about these student loan accounts. They have failed everytime to provide me with proof of verification. They have not provided me with an answer well over the 30 days. US dept of education was reported to my credit report 3 times. Each 3 have different balance amounts. All 3 accounts say they were open XX/XX/2011. These accounts has been on my report for 10 years and 7 months. Everything about this situation is not right. These accounts has been on my credit report for over 10 years. This is a automatic removal. All 3 accounts shows 3 different balance amounts. This is a automatic removal because this is inaccurate reporting, and because the same account has been reported 3 times. this goes against the fair credit reporting act 100 %. And the credit bureaus knows this. And still refuses to removal, or they are simply ignoring this matter.
Consumer complaint received 2021-08-31
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. (AZ)

I DISPUTED ON XX/XX/2021 TO THE BUREAUS ABOUT ACCOUNTS THAT ARE NOT IN THE CHARGE OFF STATUS AND TO BE VERIFIED WITH ALL PROOF SENT TO ME OF THE VERIFIACTION PROCESS ALSO ONE ACCOUNT THAT I WAS NEVER LATE ON. IT IS DETAILED IN THE LETTER ENCLOSED. MY PROBLEM IS, 2 TIMES NOW THEY FAILED TO ABIDE BY THE LAW.. SO NOW THE MUST DELETE ACCOUNTS IN QUESTION SINCE THEY ARE IN VIOLATION OF THE STATUES LISTED BELOW. 
YOU DID NOT SUPPLY ALL OF THE INFORMATION PREVIUOSLY ASKED FOR ACCORDING TO F.C.R.A. 611 ( a ) ( 7 ) in a timely manner, 30 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these item from my credit report. I AM ENCLOSING THE 1ST DISPUTE LETTER WHICH ASKED FOR A COMPLETE DETAILED INFORMATION FROM SOURCES YOU USED TO VERIFY MY DISPUTE. YOU FAILED AND ARE NON- COMPLIANT SO YOU MUST NOW DELETE ALL INFORMATION IN THE FIRST AND SECOND LETTERS ATTACHED.
Consumer complaint received 2021-08-31
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-11-06
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. (FL)

I XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. XXXX XXXX has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with XXXX XXXX with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. 
XXXX XXXX
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XXXX XXXX XXXX XXXX ( NMAC ) ( XXXX  ) XXXX financed my XXXX XXXX XXXX XXXX for the same year. As weeks turned to months then years ( NMAC ) began to access a fee and I called but could not speak with any first language English speakers. So next I wrote NMAC about the same only to get another somewhat foreign listener about Fee & Fees plus now there was a force multiplier although the note was met. This account showed fee had fees and it was reported 30 days, 60 days, 90 days but it was not reported as such. Whether it was small it was not shown late but forced multiplier meaning I am paying even more ( in an above the note ). Well I want all derogatory marks removed because all fee/fees were PAID and accepted as such. Well if so why report 30,60,90 day ( s ) all should be removed and marked paid/closed an not reflected as opposite.
Consumer complaint received 2021-08-31
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: CITIBANK, N.A. (GA)

I recently discovered my credit score had been affected as a charge card debt had been increased. As I have only a single credit card tie as alarming. I s som research to find the card was issued by The Home Depot, of which I have no knowledge. I immediately reached out to the store only to confirm that neither my name, address, prior address or SSN had any association with this account. They then directed me to their fraud department to open an investigation. In the meantime I disputed with all 3 credit reporting agencies. I received my first response from XXXX that as the card issuer confirms the information to be correct, it will remain. This is insane. Whos card is this and how does this just happen? Im supposedly an Authorized User for whom?? I have not advised or approved this for anyone and to be penalized for this fraud is an outrage. I in turn have redisputed this bogus fraud. I am in the process of purchasing another home and will not have this negatively affect my forthcoming interest rate. As I plan to close within the next 60 days, your prompt attention and response is greatly appreciated. 

Many Thanks, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (AL)

The company is XXXX/home improver card. I opened this account in XX/XX/2017. Limit was XXXX, I used for carpet in my house and a few other things, so therefore the balance went up. I never missed a payment, but i began to noticed each time I made a payment my balance was higher. I reached the XXXX limit, my payment was XXXX, I paid that, but the next month they would send a bill for over 2000. I requested they close my account. The account was closed with an available credit of around 35.00. But, again I received bill for over the limit of XXXX. I called and requested to get setup on online banking so I could print all of my statements. I was told the system would be down for 5 days and then I could access them, still could not. I have disputed with XXXX and added a 100 word statement. Also, the marketing, I am XXXX, when I opened this card the sales rep never told me anything about insurance for the card should you become unable to pay. I found this on my own, but I was too late. This is a predatory lender. I will never be able to pay this card off. They changed my minimum due amount 3 times as well. I called and asked why, they stated I had a return. I never returned anything ever. I need help with this, I can not pay this, I am XXXX   and they are deliberately robbing consumers.
Consumer complaint received 2022-07-05
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. (MA)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed, XXXX DEPARTMENT STORES {$1600.00} CAPITAL XXXX {$2900.00} XXXX XXXX {$370.00} XXXX DEPARTMENT STORE {$1000.00}