davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (OH)

I, XXXX XXXX XXXX XXXX Entered into a consumer credit transaction with Westlake Financial on XX/XX/2020 using my credit card as defined under 15 USC 1602. 
A consumer credit transaction in which a finance charge was involved. 15 USC 1605. ( a ) defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash in which Westlake Financial in fact took cash in this consumer credit transaction. The finance charge is suppose to include Insurance. Westlake Financial did not include insurance and failed to clearly and conspicuously disclose to consumer of the right to have insurance provided in connection with this consumer credit transaction. Westlake Financial made me purchase insurance separately. Westlake Financial include fees imposed by third parties which is a violation of 15 USC 1605. ( a ). Westlake Financial did not disclose or provide appropriate forms for the consumer to exercise his right to rescind this transaction. 
Westlake Financial in fact willfully and knowingly withheld information required to be disclosed under the provisions of said subchapter which makes Westlake Financial criminally and civilly liable.
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (CA)

My wife and I, after all this world Pandemic, went to XXXX XXXX and purchased a timeshare through a company called XXXX XXXX XXXX. 
They were asking for XXXX dllrs down-payment and since we didn't have that they offered us to apply for 2 separate Barclay 's RCI credit cards on the total amount of XXXX, XXXX dollars. 
My wife got approved for XXXX and I got approved for XXXX. 
We were told no late fees and no interest for one year.

2 weeks after we came back to XXXX XXXX CA, where we live, they charged our credit cards for the XXXX dollars but they needed us to activate the cards. 
So we called Barclay 's RCI, activated the cards, I verified there were no late fees or interest and that was confirmed to my wife and I. 
My first payment to them ( Barclay 's ) was suppose to be on XXXX, but I realized when I tried to log in into my Barclay 's account, there were 2 charges, one for a late fee of XXXX dllrs, and one for purchase interest for XXXX dllrs, I have tried calling and asking to get this fixed. 
XXXX XXXX ( XXXX XXXX ) said they can't do anything because all they did was provide me with the form and they sent the application to Barclay 's with my socials security and my wife 's social security and all the other personal info, they said they can't talk to Barclay 's because I'm the account holder not them but they assured me AGAIN AND AGAIN THAT THERE SHOULDN'T BE ANY FEES OF ANY KIND FOR THE FIRST YEAR. 
My wife does not work, she got let go during the Pandemic. 
I've already tried talking to everyone. 
I wan na pay what's fair and what was said and agreed to to my wife and I.
Consumer complaint received 2019-06-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (IL)

Medicredit, Inc. of XXXX XXXX, MO XXXX XXXX recently ( in this month ) reported to the credit bureaux that we had not paid two amounts : {$130.00} and {$1100.00}. We have no knowledge of these billings which are alleged to have occurred in XXXX of 2016 ( more than 3 years ago ). We sent a certified letter to Medicredit requesting documentation and substantiation of the alleged billings but received only a form letter that the company had " determined that the balance on the account is accurate and is ( our ) responsibility. '' It is difficult to say how they would have determined this without contacting us or providing substantiation. They have negatively impacted our credit scores and we feel we can not move forward with a home purchase because it will be priced at a higher rate than is justified by our actual credit history. Previously, we have written to XXXX XXXX four times, including the last time to the Chief Financial Officer of the Company. Neither he nor they ever responded.
Consumer complaint received 2019-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted disputes with Transunion on XX/XX/19 and XX/XX/19. On XX/XX/19, I received a copy of my credit report and confirmation that they received my letters in XXXX. As of today, I haven't had any mail from Transunion in regards to any of the disputes. It has been over 30 days. I have a copy of all letters that were sent to Transunion.
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NJ)

This is now the seventh time I am reaching out about this same issue. There is a remaining balance on the credit card that DISCOVER closed because I had filed a dispute for identity theft against them. Remove and delete the remaining balance. There was no reason to close the card as I had exceptional and on time payments on the card for XXXX years. As a result, I got cut off from credit that I had been using to make several everyday payments that I was no longer able to make because my credit card was closed. 

Because every extension of credit originates from my social security, also known as my open end credit plan, I am the original creditor of every extension of credit and debt obligation. Therefore, I am deferring the debt back to DISCOVER who is misrepresenting me, the original creditor. DISCOVER claiming that they are the original creditor is XXXX, XXXX, and misrepresents me as a natural person and the original creditor who is giving DISCOVER life as a corporation. 

Pursuant to 15 U.S. Code 1692, " means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. '' Pursuant to 15 U.S. Code 1692a, " The term 'debt ' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. '' Notice, debt is an " alleged '' obligation. To " allege '' means to claim as true with or without proof. 

Pursuant to 15 U.S. Code 1692a, " The term 'consumer ' means any natural person obligated or allegedly obligated to pay. '' Again, as my social security is where all credit extensions and debt obligations originate, I am the original creditor. I am now deferring the debt back to DISCOVER. 

Pursuant to 15 U.S. Code 1692k, " Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; '' As DISCOVER has violated me, deceived, and abused me as a consumer, original creditor, and natural person, they are liable to compensate me for the violations made. Congress protects me under these laws as a natural person against corporations who abuse consumers like DISCOVER. 

Please remove the remaining balance from my account, report positively to consumer reporting agencies about the deleted debt, and compensate me in an amount equal to the sum of damages done to me.
Consumer complaint received 2019-06-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

Hello I have included attachment of my id and proof of address, the credit bureaus seems to have improper accounts and information reporting and I am asking that these items be removed. This is a violation of the FCRA XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ) THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

EXPERIAN : Previous Address ( es ) : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Account Number : XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Kikoff Inc. (WA)

On XX/XX/2021 an account was opened in my name with Kikoff Lending LLC. I DID NOT open this account. I have contacted the company via email since the number provided will not allow calls. This is fraud under my name. I have a fraud alert and my credit is frozen. This should not have been opened.
Consumer complaint received 2019-06-27
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: Bread Financial Holdings, Inc. (TN)

I bought a dress from XXXX XXXX XXXX in XX/XX/2018 for a discounted price of {$54.00} of an initial price tag of {$89.00} but Comenity Bank issued me a bill of {$170.00} for this one item, I find that this is not the first time Comenity Bank has over billed for a dress, this was also done with their shop XXXX. I made a complaint in XX/XX/2018, XXXX XXXX XXXX/ Comenity Bank then wrote to 4 other credit companies in an effort to negatively affect my credits score in spite of the issue being their error. I then replied to all the credit agencies attaching all relevant receipt and statement. Then XXXX XXXX XXXX informed me after many letters and call to them that they are investigating the matter. I did not receive any info from them but suddenly saw a credit of over {$79.00} credited to my account. I wrote for clarification but they informed me that they are still investigating only to find online that Comenity Bank through XXXX XXXX XXXX has deducted some inexplicable charges " late '' from the amount they unilaterally credited to my account, all efforts to get Comeniy Bank to explain and to rectify the issue has come to naught. In stead Comenity Bank is more interested in giving negative reporting to the credit bureaus knowing very well I do not owe them and knowing that I pay my bills way before the due date as verified by payment history.
Consumer complaint received 2019-03-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I reached out to XXXX XX/XX/2019. the individual that picked up the phone I gave them my personal information to check on the status of my vehicle in the loan and why it was not picked up a year-and-a-half ago while I left it on the public Street and money times the tow truck came by but actually did not pick up the vehicle. the answer from The XXXX XXXX employee was the car was junked and it wasn't worth it for them to pick it up. since they never picked up the car I had to store the car for a year-and-a-half and I also got very busy taking care of my XXXX  XXXX XXXX husband and I never was able to take care of this matter. yesterday I spoke to employee of XXXX XXXX in the collection department XXXX XXXX he said to go ahead and take pictures off the car and send it to him via email which I did exactly that. this morning I spoke to XXXX XXXX and he said his manager offered {$1700.00} to be paid on XX/XX/2019. 
I just don't understand if the car was considered junk why are they charging me {$1700.00} and they will only put on my credit report paid less than owed amount. basically what they are trying to say is to pay and we will not fix your credit report which is unfair I will explain why I did my due diligence left them the car for pick up but they didn't follow the law to pick up the car and left it on the street and I ended up paying for storage of the car until today which is {$2400.00} or more they never give me proper disclosure for this type of a loan so I can understand it better. 
Over the years I have paid very High interest rate unfair fees undisclosed fees to XXXX XXXX. I want them to send me for any statements for any auto loans that I have received from them to my current address XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc. (FL)

SCA Collection I called them about several medical bills that been on my credit reports since 2015 And asked if I could request charity since I was having a hardship during that time and I was told no, that the only thing I could was make payments on debts until paid in full
Consumer complaint received 2021-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

I was on a forbearance plan with my Mortgage company. They stated there was no penalties for the plan. Now that I am contacting them to restart payments, they have done a loan modification, however the modification includes interest on the mortgage during forbearance resulting in my total owed for the house going from {$300000.00} to {$320000.00}. Nothing i completed stated that there was interest acruing during this period.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

I applied for Best Buy Citi credit card due to a new home purchase, and I wanted to buy appliances with the credit card. I processed the application and was approved for a limit of {$5000.00} on XX/XX/2021. On the same day, XX/XX/2021, I made a purchase for an XXXX XXXX and XXXX for approximately {$4500.00}. 

In between this time, I never received my card to my apartment at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I received a Best Buy representative call sometime around XXXX asking me if I made any charges between XX/XX/XXXX to XX/XX/XXXX, and I told the customer service rep that I never even received my card. The customer service rep filed a fraudulent claim and send over a new card. 

I received my new card I would say around end of XXXX, and I was never able to log in to the account. I made several attempts to call Citi to help me with login issues, and after about the XXXX attempt and a week later, I was able to finally log in to pay for the washer and dryer. 

After I made the payment, I purchased a XXXX refrigerator for around {$3500.00}. And I paid off the credit card payment around middle of XXXX. 

I received a phone from Fraud department from Citi around late XXXX, questioning and claiming if these charges came from my family members, like my wife. And when I told the rep, no. She pushed on saying maybe it did and I didn't know about it. This is when I escalated with her that she had no basis in her assumptions. She ended the call. 

I received a letter 2 days ago from Security Operations from Best Buy stating : " We have completed our investigation regarding your claim of unauthorized use on the above reference account. Based on our review, we have determined that you are responsible for the charges in question '' " The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorize use. ''
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (PA)

I am writing to dispute any and all alleged debt. I requested burden of proof in credit file dating XX/XX/21 but did not receive that information. A very detailed letter was sent and a Company name I did not state on that letter was disputed stalling the process. I need all documentation stating that this alleged debt belongs to me and not a billing statement or credit report stating verified.
Consumer complaint received 2021-12-01
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$1800.00} XXXX XXXX AUTO XXXX {$3000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX  XXXX {$2900.00} XXXX {$410.00}
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

On or Around XXXX I contacted Affrim regarding Fraudulent dispute regarding and General Contractor That I Hired Through XXXX List I Mention to the Merchant that I didnt Receive Services That I Pay for I also Explained to the Merchant That a Case had been filled. 
Against XXXX list With Attorney General and Affrim the Merchant Fefuse to Honor this Complaint In fact The Merchant Is Still Reporting Over Due to Credit Reporting Agency.
Consumer complaint received 2021-08-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (OH)

Refinanced loan and sent payoff check to Kia Motor Finance Company in the amount of {$23000.00}. The loan amount the day of payoff check cashing ( XX/XX/2021 ) was {$23000.00} ( principle plus interest ), resulting in an overpayment of {$390.00}. As of XX/XX/2021 I still have not received a check for the overpayment from Kia Motor Finance. 

Called on XX/XX/2021 to ensure the payoff check had been properly applied to account. 

Called on XX/XX/2021 to inquire where the check for overpayment was, was told they were still processing it. 

Called on XX/XX/2021 to inquire where the check for the overpayment amount was, sat on hold for 20 minutes with the representative and was disconnected. 

Called for the second time on XX/XX/2021 to inquire where the check for the overpayment was and was told they could send an re-issue request however, that would result in an extra month to receive the overpayment check.
Consumer complaint received 2021-10-27
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kashia Services (OH)

Company provided with a verbal do not call request as well as cease and desist via email. A representative confirmed receipt of emailed notice. Notice given on XX/XX/XXXX demanding company to cease all verbal communication and communicate only via writing. Since that time I have received no further written communication. However, there have been several phone calls made on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX.
Consumer complaint received 2022-03-11
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. (MO)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Balance : {$0.00}
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

I spoke with a representative XX/XX/2021 at Citibank about my closed credit card. The agent assured me because of my account being closed the only reporting to the credit bureau will be my balance total. According to the three major credit bureau I am now showing a late payment in XXXX. If this is correct procedure I was ill advised and suffer a blemish on my exceptional payment history due to Citibank 's staff negligence. This needs to be corrected immediately.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I recently got my three credit bureaus report online and after review my credit report there was no score attach to the file and there was a few errors on my credit file as well. I reach out the the credit bureaus about this issue but they were cooperative in helping me resolve these issues on my report. Rather they recommend me to call the creditors myself, in which I did and they told me for all the errors that I saw on my credit file they have reported the correct information to the credit bureaus 60 days ago.