davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (TX)

I have had payment issues with this bank for over 18 months. For some odd reason, they fail to transfer ACH bank payments, charge me fees ( late, repo ), and fail to apply payments appropriately. For the past 18 months, when I schedule a payment using Bank ACH ( acct, routing # ) Westlake 's fails to take the payment, instead charging me NSF fees. I can check my bank account and the funds would be available. However, they wont accept ACH for months, but accept a Debit Card payment, which they charge a {$5.00} fee for convenience They tell me my account is not usable, but then after a few months, they can finally ACH, then once more, they can't accept payment through ACH. For awhile I thought it was a glitch in their smartphone APP, but after troubleshooting, it's not the app. Its not my bank. The funds are in the account for each payment I schedule. My bank doesn't even acknowledge that Westlake 's attempts to withdraw the ACH payment. 

It is not a convenience, when they charge fees, " nickel and dime ''. double charge repossession fees. I have been repossessed two times in the past 12 months, due to them not taking payments. I can prove I had the funds available, they will not accept the bank statements that prove this. 

Instead, I'm under on a debt for a vehicle that appears I'll never be able to pay off, because the bank keeps screwing me on their fees and charges. I pay the repo fees to return my vehicle, and then I check my Westlake 's account to see more repossession fees added. I am tired of it. I have talked to their representatives 23 times to discuss why they won't accept my one and only bank account for payments to them. Not like XXXX is not an acceptable bank. 

The problem is, they can NSF fees for the ACH payment, but using the same Debit card to the account, they CAN accept with a {$5.00} fee. I am filing a complaint with the XX/XX/XXXX and CFPB this week, because I fear Westlake 's will repossess my vehicle again because they keep saying they can not accept my payment. 

Today I discovered yet again, they did not take the payment for my vehicle. I am {$1300.00} due for fees, that I do not trust are accurate. If they had accepted the scheduled payments when they were set, then I wouldn't have their NSF, repo, and various fees added to my debt. 

I do not have an attorney ( yet ), and I have found that essentially I want them to fix their problems, and correct my account. 

I scheduled another payment for today which was supposed to be paid on the XXXX of this month. I found they again, didn't take the payment and added a NSF fee. The payment I scheduled for today, I ended up having to re-add my bank account info. 

What I want, is for them to FIX their processing fees, remove the added repo fees, and stop doing this. It is not convenient for to use Debit, when a ACH payment is free. It's like this bank is intentionally trying to steal this vehicle by failing to take payments when using their APP.
Consumer complaint received 2022-08-18
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. (WI)

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, closed on XX/XX/XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX  XXXX XXXX XXXX, collection. 

The above accounts have violated the following rights : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) 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 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute the following information on my consumer report regarding the inquires listed below I don't recall authorizing and I understand that you shouldn't be allowed to share any of my personal information with any creditors If I didn't authorize it. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-12
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MA)

I have had a paypl account for many years used for buying and selling on XXXX. All of my transactions are documented from start to finish with all paperwork that is required. I have not had charge backs or complaints on my account since I opened it. All happy customers and great reviews on both platform 's. Recently I started selling my collection of sneakers and there was a uprise in transactions on my account. I got a email from PayPal on Wednesday XX/XX/2021 at XXXX XX/XX/XXXX saying PayPal locked me out of my account and is holding roughly almost {$1600.00} dollars for 180 days. I tried calling XXXX XX/XX/XXXX to rectify the issue and they said there's nothing they can do and wait 180 to receive my money because of charge backs .I have never once had a charge back or problem with that platform. I only have one pending transaction for {$260.00}. I think this is unnecessary and not right. Paypal has had several class action law suits for this reason. I'm not unwilling to work with them, but they are being unreasonable and giving me very broad reasons for the freeze. I don't care about working with them anymore. I just want my hard earned money. Please, any help is greatly appreciated.
Consumer complaint received 2021-01-21
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. (FL)

I was so stress Last XXXX I've sent disputes for the deletion of those unknown and inaccurate account on my credit report. It's almost 30 days now but I haven't received any response. I Demand to REMOVE ASAP those inaccurate and unknown accounts. or I will file a litigation.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (IL)

I submitted a claim for a refund of voluntary payments I made on my federal student loans during the covid-19 pandemic pause on XX/XX/2022 and still have not seen any effort made to fulfill my request. They keep telling me that its " processing '' but it has been several weeks and I should have seen my loan balance increase and the increase amount given back to me already. They seem to be sitting around doing absolutely nothing about my request for money that is rightfully mine.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OR)

Based on the recommendation of our vet and due to an expensive procedure one of our dogs is having she recommended applying for Credit Care with Synchrony Bank. This would allow us to pay off the cost over 6 to 12 months interest free. I completed the application after removing a credit freeze on one of our credit monitoring reports. I called them to let them know it had been done and the agent wanted to talk with my husband under whose name the card would be issued. She asked for our phone numbers and even though this was provided on the application she said it didn't correspond with what she had and told us we would need to submit a video of my husband 's head and also take a picture of his license. This felt like an invasion of our privacy but we attempted to do it anyway. We failed after the allowed four attempts to accurately video my husband 's head so I called them back to tell them we were having trouble with this step. They indicated they could allow more attempts, but I remarked it would do no good as the first 4 attempts didn't work. I said please visually look at the video and DL and they could see it was my husband applying. But they declined our request to open credit with them. Mind you, we had previously opened another account with this company that took seconds to open. I closed that other account today, due to the treatment we received from them. This is wrong on so many levels. We have great credit and never had a problem before. They said it was to prevent identity theft. I'm concerned that my husbands driver 's license and video is in their files and available to any one who would hack their company. Where's the protection from identity theft there? We would like the videos and DL picture of my husband to be removed from their files. We do not want a credit card from this company anymore as we were treated so badly. I even talked with a XXXX and got nowhere. I have to admit by the end I was pretty angry.
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. (FL)

On XX/XX/2021 I filed a complaint with cfpb please reference complaint number XXXX. I advised you this account had been settled and deletion was agreed upon and yet equifax was still reporting. I requesting deletion I receive a letter dated XX/XX/2021 stating that equifax had no record of this account.but the account still shows on equifax. Please remove this account Ive attached the letter as proof from equifax stating they have no record of this account
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

on XX/XX/XXXX XXXX checked my credit report and found many discrepancy with the account listed under Portfolio Recovery associates and proof and validation was requested of the alleged debt i don't recognize. On XX/XX/2021 they send a letter claiming to validate the debt, which they never sent proof!! This account has negatively impacted my credit report with all 3 credit bureaus, This account is listed as past due and in collections. how us this possible. I asked for the representative who verified this debt and or to send me documents on how they varied alleged debt. They never sent documentation.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (OK)

I have accounts on both Coinbase and Coinbase Pro which I opened in XX/XX/XXXX. In total I bought roughly XXXX xrp using both Coinbase and Coinbase pro. Back on XX/XX/XXXX I transferred all of my xrp off of my Coinbase account onto my private wallet and that same day went to transfer all of the remaining xrp off of my Coinbase Pro account. The xrp immediately transferred to my private wallet from my Coinbase account however I was sent an email that the transfer from Coinbase Pro to my wallet could take 72 hrs for verification. I thought ok no big deal. On XX/XX/XXXX I went to check my private wallet and was surprised/nervous to find my private wallet had not received my latest transfer request from Coinbase Pro. After several attempts to login to my Pro account and getting incorrect password I finally selected forgot password to have them email me a new one. I never got an email so I tried a few more times. Still nothing. Thats when I reached out to Coinbase support for help. They told me they would review my case and get back to me in 4-5 business days. When they got back to me I discovered someone had hacked my account and changed my email, password and phone number linked to my account. Support asked me to verify myself by logging into my account even after I told them that was my problem in the first place, I cant! Then Coinbase Support quit responding to my emails. I have no one to talk to and they refuse to respond to my emails ( which have totaled over 18 emails now ). My two main concerns are 1 ) I would like my remaining xrp 2 ) I need my account unlocked and restored so that I dont lose my airdrop of Spark tokens from XXXX XXXX which would be distributed to this account over the next 2 years. Please help me with this, I have lost all faith in Coinbase and their lack of support
Consumer complaint received 2020-12-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I recently received a response from XXXX XXXX XXXX XXXX of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with XXXX XXXX where you can see the primary number is XXXX XXXX and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with XXXX XXXX XXXX to please remove all the late notations from my credit file.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

I lost my phone at the mall on XX/XX/2022 around around 5 something ish, I had my phone in the fitting room at XXXX since thats the last place I saw it at. My last purchase was from XXXX at XXXX. Anyways as I was checking out, I dont think the lady at the cashier gave me back my debit card since I couldnt find it when I was XXXX talking to the bank. My XXXX XXXX and my XXXX was still connected when I was walking out XXXX when I got a notification from cash app saying you tried to add {$1000.00} but was decline. I pause for a min and said what. So at the moment Im looking in my person and shopping bag for my phone and at that moment I realize I lost my phone. The phone that I lost is a XXXX XXXX XXXX redXXXX I stored all my pins and passwords in my notes because sometimes I forget my log in information. So the person try to add {$1000.00} again and I guess my bank decline it. So they kept trying until my bank was able to let them added money. So they tried for XXXX $ and another XXXX $ and I knew at that moment there was no way to turn off my card because I didnt have a phone to call them. So I immediately rush to the car to charge my phone well my sister phone and made the call to my bank and told and explain to them what happen. They told me to file a police report and I did just that. I showed the officer the person who sent themselves money using my card and they said it was a fraud and not a real person. So chime my bank couldnt do anything until my transaction are not pending anymore. Finally Monday came by I called them up and told them to start the dispute and they told me they did and wait to hear back from the dispute team. The next day I check my phone they close my case because they said I dont have enough evidence to show it wasnt me. When I have a police report and the whole person name and everything who sent money and Im kind of upset because they didnt even look though my case fully just automatic say nothing wrong and close case. A normal bank would say we get back to you with 3-5 days not a day would take. This bank doesnt protect anyones money. Any bank well lock someone card if the money or anything is over the limit. So Im want to file a complaint against this bank and take them to court.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NC)

In XX/XX/2020, my credit rating score ( FICO ) was XXXX. In XX/XX/2020, that score dropped to XXXX, a difference of 16 points. The reason given : " No recent revolving balances ''. In XX/XX/2020, my credit rating dropped from XXXX to XXXX, a change of 21 points. Again, the reason was " No recent revolving balances ''. This is a change of 37 points in 2 months simply because I have no balanced on my credit card. I am being penalized for paying my bills in full. This is beyond ridiculous. Currently, there is a pandemic going on in the world, In the U.S., people are facing financial hardships, losing their jobs and their income. I chosen earlier this year to ensure I had no debt. Now I am being punished. 

I am presently applying for a mortgage and am not being given the best rate because my credit rating is low ... and I suspect that it will drop again next month. All because I have no debt! 

Stop letting the credit rating agencies XXXX the citizens of this country. These agencies want the citizens to have low credit ratings so that the banks can then justify charging us higher interest rates. It is a big scam.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (TN)

1.I have never had an account with this company GS BANK USA , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are GS BANK USA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages 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 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.