davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (FL)

my husband paid {$220.00} on XX/XX/XXXX Westlake financial services he had to pay via XXXX because they said their XXXX  system was down. The payment did not post and they showed up at XXXX oclock in the morning the following day XXXX XXXXand repossessed our vehicle, they took the vehicle XXXX miles from our home and we were forced to pay $ XXXX top of the XXXX not including the XXXX dollars in gas for both vehicles to get where we need to go to bring the vehicle back because they wrongfully repossessed our car and it was even admitted by XXXX different supervisors. They also told us that if we paid the amount immediately that we were able to go down and get the vehicle, but they would not give us the details of where the vehicle is being held until we paid that amount we had to wait XXXX days to get the vehicle after that which we were intern, charged interest and fees for As well. we were also told if we paid the amount almost amounting to {$1000.00} that everything was caught up and no further issues what happened and they credited our account and then took the credit back now they are reporting to the credit agency that our payment is 32 days late, which is severely incorrect and I want something done about this company on our way to pick up the vehicles. I looked up the remarks on the XXXX XXXX XXXX in there are XXXX complaints for the same issue. I have also filed a report with the state attorney generals office whom I spoke with XXXX and he also told me that there are thousands and thousands of complaints with regards to Westlake financial services. They need to be shut down if I have to hire an attorney and file a class action lawsuit and a personal lawsuit to get my money back for their unlawful acts I will. This is not OK and something needs to be done about it as being without my car, put my son who is XXXX  health at risk amongst putting us in a financial hardship, which we should not have been put in
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

On XX/XX/XXXX a check was deposited into my account. It cleared the sender 's account on XX/XX/XXXX. The bank has not deposited the money into my account and is telling me that they will hold the money until XX/XX/XXXX. It is not XX/XX/XXXX and I have spoken to XXXX people at the bank.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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. 

1. This inquiry was made without my knowledge or consent. 
XXXX Date of inquiry : XX/XX/XXXX Please delete from my credit file immediately 2. This inquiry was made without my knowledge or consent. 
XXXX Date of inquiry : XX/XX/XXXX Please delete from my credit file immediately However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 



3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (CA)

On XX/XX/2022, I received a call from who I thought was XXXX fraud unit. Telling me someone hacked in my XXXX account to buy a I XXXX, so he went through everything and it seemed legit, I went to this ( Looked like XXXX home page, I printedout his information from XXXX. Not knowing I was agreeing for him to remotely having access to my account. What I was seeing on the screen was not what was going on. He was a hacker that got to my bank information and bought XXXX XXXX XXXX  gift cards for less then XXXX each. I did not authorize these charges, I am a victim of identity theft and need help to get my money back. All of my savings XXXX gone and my bank thinks I authorize the amount, this has been a nightmareand Ineed help. And spread the Word to protect innocent peoplewho might be a victim of hackers. I did not authorize these changes but they made it look like I did. I need help getting my money back please help me. I called my bank immediately to freeze my account but all 7 of those gift cards went through. Why? It takes 2 days for me paying a bill and it clears. I need help getting my money back.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

A note : I have also filed a complaint today regarding this issue with the department of federal student aid. I am filing here primarily to report the problems I have had with Aidvantage ( historically, XXXX ) so the problems are well-documented and others can see the problems with this company. 

I am currently in school, attempting to pay interest + a little extra towards my grad school loans as I can. My loans are serviced by Aidvantage. My intention is to have each payment pay down any accrued interest across all my open loans, and then apply any remainder ( " overpayment '' ) to the loan with the highest balance. Although I have expressed this multiple times to Aidvantage on the phone and in email, and been assured by multiple representatives that this is how payments are processed by default at Aidvantage, my payments are not being applied this way, and instead are applied to just one loan, allowing the other loans to continue accruing/compounding interest. There does not appear to be a way among my automatic/online tools to ensure my desired result. I have had an extremely difficult time getting in touch with Aidvantage to resolve this. On calls, I have twice waited over 50 minutes only to be disconnected without any resolution or follow up ( with and without reaching a representative ). I am told to expect responses to emails within two days, but generally do not hear back until ten days later, and with messages not addressing my issues or requests. Meanwhile, as time passes, more and more payments are being misapplied to my loans in the same manner described above. 

Prior to taking out my grad school loans, XXXX ( now Aidvantage ) serviced my loans. My attempts to pay my loans responsibly ( i.e. on a standard repayment, with overpayments as possible ) were also consistently mis-applied against my best interest and stated wishes. Wait times were long ; customer service agents contradicted each other, gave bad information, or were outright hostile/insulting. Eventually refinanced with a private lender to get away from them. Knowing this, I contacted Aidvantage prior to the lift of the COVID-19 hiatus expressing my overpayment direction instructions, and have documented every interaction I have had with them since. It took mere weeks for the nonsense to begin.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

The account isnt mines. It is also hurting my credit report. I never opened these accounts. I was incarcerated at the time they were opened. I did not give anyone permission to use my information. I have supplied government documentation of dates incarcerated as well as a copy of my complaint. 


XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX XXXXXXXX XXXX THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries. 

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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OR)

I hope this letter finds you well. I am writing to request the removal of late payments from my credit report. After reviewing my credit report, I noticed that there are late payment entries for XXXX XXXX XXXX on XXXX to XX/XX/2018. 

I understand the importance of maintaining a positive credit history, and I take my financial responsibilities seriously. I encountered difficulties in making timely payments for the aforementioned period. However, I have since taken steps to rectify the situation and ensure that my payments are made promptly. 

XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service I am committed to maintaining a positive credit history, and I appreciate your understanding and assistance in this matter. If you require any further information or documentation, please do not hesitate to contact me.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (NY)

I applied for a card and was approved for a Destiny Master-Card by XXXX XXXX XXXX XXXX Theres a substantial fee which I knew about. Within 3 days it was on my credit report including {$170.00} due. I now have the card but they wont unblock my account so I can activate the card and use it. Their computer didnt like my address to send me and let me activate the card but it liked it to approve me for a credit card
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. I found numerous accounts that do not belong to me. I filed a dispute with transunion and they claim to have verified my accounts yet have not provided me with any proof or verification of these accounts. This is hurting me as I am in the process of purchasing a car for my family. Please remove these accounts that do not belong to me as soon as possible.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Aspen Yo LLC (PA)

Received notice from tax collector in XX/XX/XXXX that they never received payment for school taxes. After reviewing online mortgage statements I saw tax payment was deducted from escrow account on XX/XX/XXXX for school district taxes in the amount of {$4900.00}. I called tax collector and they confirmed it was never received. I called mortgage company approx. XX/XX/XXXX and explained situation. Gregory fund customer service said they are very busy and will refer message to escrow department and should be taken care of within a week. I called the tax collector a week later and they never heard from mortgage company nor did they receive payment for school district taxes. Finally got through to mortgage companys customer service again on XX/XX/XXXX and they told me it was paid on XX/XX/XXXX. They were to send me ( email ) a copy of distribution letter to show the county taxes were paid. Instead of a distribution letter, I received a the Escrow account statement showing money ( XXXX ) was taken out on XX/XX/XXXX for school district tax payment and on XX/XX/XXXX the transaction was voided and the {$4900.00} was added back to my account. I called again on XX/XX/XXXX and asked to speak with someone from the Escrow department and they said its not possible but they will once again escalate the process. Since the Escrow department didnt pay taxes when due there are a total of 12 % in extra fees and penalties.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/, a XXXX XXXX card was opened for the amount of {$850.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I didn't not apply for this line of credit, and believe you have to be an active member of the military to open this. 

I was notified by XXXX XXXX and XXXX to verify this account and that is how I found out.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Without any notice, Chase suddenly closed my 3 personal cards and 5 business cards this morning ( XX/XX/2023 ). I was on a trip and a Chase card was all I had in my wallet, so it was incredibly inconvenient. 

I called to ask for the reason, and was told to go to branch. I went to my local branch, but the representative there spent 30 minutes on the phone and said he could see no reason either. I'm very confused about what is going on.

I'm really hoping this can be fixed in some way. I have been a Chase client for many years and have always paid my balances on time and in full.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have reviewed my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Please snd me copies of the documents that you have in your file as of this debt that you used to verify the accuracy of the accounts listed below. I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
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