davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. The current status should not be showing late because I paid it on time. Experian and XXXX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX  Date Opened XXXX XX/XX/ Balance : {$270000.00}.
Consumer complaint received 2024-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Resource Systems, Inc (CA)

On XX/XX/year>. I submitted a notice of dispute through the consumer reporting agencies because I was unaware of your collection agency or the collection account being furnished on my consumer report by your company. On, XXXX XXXX I received a response from my dispute XXXX XXXX verifying my dispute as accurate. 

Im disputing under the FDCPA because you failed to follow the proper procedures required under the FDCPA in order to legally collect on this alleged debt, I never received any initial communication from your company or my notice of debt contents in writing that was supposed to be provided to me which gives me 30 days to dispute the validity of the debt or any portion thereof before furnishing this collection on my consumer report Your company never gave me my right to dispute this debt before putting it on my credit report, which is a violation of section 809 of the FDCPA. If you believe your company did provide initial communication and send me this notice of debt contents. Im demanding receipt of notice ( proof of delivery ) of this statement pursuant to section 809 ( a ) ( 3 ) PRIOR TO the completion of this 30-day investigation. Please send proof to my address listed above. 





Additionally, your failed efforts to conduct a proper investigation to the disputed information with respect to the relevant information provided by the consumer also puts you in violation of FCRA. 







Let me be crystal clear I am NOT Requesting validation of debt. I am DEMANDING compliance of the FDCPA because you failed to provide me with a validation of debt letter PRIOR TOO furnishing this negative information on my consumer report. 




I am demanding immediate deletion of all Collection accounts that you furnished on my credit report without properly validating them I will give you 30 days from the day you receive this letter to be in compliance. 



Please see supporting documentation as it is a copy of my investigation results, I received from XXXX of your company verifying my disputed information as accurate and a copy of my credit report with the non-compliant accounts highlighted
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

I am writing to you to formally register a comprehensive complaint regarding grave issues I have encountered with both U.S. Auto Sales and U.S. Auto Finance, entities operating under your jurisdiction. I believe it is crucial to bring to your attention the array of discrepancies and injustices surrounding my vehicle purchase and loan, specifically concerning the extended warranty, GAP coverage, and undue disruptions to my vehicle usage. 

On XX/XX/XXXX, I, XXXX XXXX XXXX, entered into a vehicle purchase agreement with U.S. Auto Sales, a copy of which is attached for your reference. As a prudent consumer, I opted for an extended warranty and GAP coverage to ensure the security of my investment. These additional protections came at an extra cost, which I have diligently included in my car payments since the initiation of the agreement. 

However, shockingly, on XX/XX/XXXX, I received communication from XXXX, the provider of the extended warranty, stating that my extended warranty was never funded. This revelation carries significant implications, suggesting that I have been making payments for an extended warranty and GAP coverage that have not been honored in any capacity. 

To provide a comprehensive understanding of the severity of these matters, I have attached the following documents : Copy of the purchase agreement Records of payment made for the extended warranty and GAP coverage Communication from XXXX dated XX/XX/XXXX, confirming the lack of funding for my extended warranty These continuous issues have left me profoundly unsettled and disadvantaged, both financially and in terms of my ability to use the vehicle I rightfully own. I am seeking your immediate intervention to rectify these grievances and to ensure that U.S. Auto Sales and U.S. Auto Finance are held accountable for their actions. 

I am seeking the following actions to be taken : A thorough investigation into the practices of U.S. Auto Sales and U.S. Auto Finance regarding the sale of extended warranties, GAP coverage, and the unwarranted disruptions of customers ' vehicles. 
A prompt and comprehensive resolution that encompasses refunding the payments made for the unfunded extended warranty and GAP coverage.

Assurance that such practices are rectified to prevent future instances of mishandling customers ' rights and payments.
Consumer complaint received 2021-03-15
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: Westlake Services, LLC (TX)

went to buy a new car and the dealer sent to different banks for loans we didnt know about and affected our credit report didnt give them permission or they never told us going to do this
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, I was offered a job and sent a check for {$3200.00} to deposit into my Wells Fargo checking account. The full amount was made available the next day, on XX/XX/XXXX, and I was instructed to use the funds to pay local vendors for office equipment. At that time, I was unaware that the funds from checks are initially covered by the bank and not guaranteed by the sender 's money. 

Believing that I was using the sender 's check and seeing no impact on my personal balance, I attempted to make a wire transfer through my app. When my phone was blocked, I went to the bank, and, again, no employee informed me to wait for a few days until the check cleared to ensure the funds were legitimate. Under the impression that my personal funds were unaffected, I authorized the wire transfer. Only after the transaction did the bank employee mention that the check could bounce, which would directly affect my personal balance. 

I immediately contacted the fraud department, trying for XXXX hours to halt the transfer, but I was repeatedly transferred between departments, and my calls were disconnected multiple times. I eventually filed a claim to recover my funds. After 10 days, Wells Fargo responded, denying my reimbursement claim. 

I hope this situation can be reviewed, as the lack of timely and accurate information from the bank played a significant role in my loss.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (SD)

Settelment payment was agreed upon by both parties and paid by XXXX XXXX. XXXX XXXX has since refused to remove from credit and still shows a balance owed, causing derogatory remarks on my report.
Consumer complaint received 2022-04-25
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. (ME)

In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX, Account number XXXX XXXX Account number XXXX XXXX Account number 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 an account without my written instructions
Consumer complaint received 2021-05-23
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: EQUIFAX, INC. (LA)

I filed a complaint on XX/XX/2021 to have equafax remove a fraud alert that I did not request off my credit report. Since I have filled my complaint they have now placed another fraud alert on my credit report and stated they have forwarded it to XXXX, and XXXX. Ii did not ask for this and want it removed and for them to leave me alone. I WANT THE FRAUD ALERT REMOVED ASAP THIS IS RIUENING MY LIFE AND I CAN NOT GET CREDIT BECAUSE OF THIS
Consumer complaint received 2021-03-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (IL)

This morning when I called Ally Bank I got nothing but grief.I answered all there questions correctly.Because I never had them ask me certain question in all the years I have banked with them I asked them why.I told XXXX I have never been asked these certain questions before.All question were answer correctly and I provided additional information including the amount in each account date ofmature .This was a trust account to which I am the trustee.I told her i was the trustee and i have right to make changes.She also refused to provide me with a supervisor.All I wanted to do was close one cd, put the money in the 2nd cd and renew it for 15 months. She illegal froze my account.Now even after calling again and again answering the questions again not once but 2 twice, The second girl XXXX would not help me.I answer all the same questions and asked if these new question were something new.There were not, gave her all the same answers than demanded a supervisor because again I was not getting anywhere. she told me she had to ask more question I demanded a supervisor .I was tired of answering the same questions over and over again each time I was given another person.I finally was given XXXX and again the same thing.Unfortunately, my son took my phone to his day program in mistake, of all days, he pretty good about not picking up the wrong phone but it did happen.Got no where with XXXX and demand his supervisor, yes i was outspoken to say the least.I told them the same thing over again, I called this morning wanting to close one cd transfer money to another cd and renew at 15 month.Now they are refusing to unlock the account, refusing to give me the money. I am the trustee of the accounts.They would not even send me a code on my email account.what if you didn't have a cell phone.I was calling them on my landline. I just want them to unlock my account as all the answers I provide were correct, including if they saw the notes I called a few days earlier about the 15 month cd.I told them that I was filing this complainant and they didn't seem to care.I did slam them on XXXX which I mostly should not have .They have a copy of my son Trust and a copy of my guardianship papers on file for this. i can not get my account numbers as everything is done on line and they locked me out so I could not provide the terms of the cd only the mature date which was a question I could not answer.Since this will not be answered and solved, I want them to waive the fee it will take to close the cd because it will be past the ten grace period.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

There is an public record/judgement containing an eviction reporting for me for The XXXX XXXX XXXXXXXX XXXX XXXX even though I have never lived there. There is no record of me ever living at this property at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there. Please see letter from the apartment complex and email chain from corporate office. I never lived at this address so how could I have been evicted? Please stop reporting this false information.
Consumer complaint received 2020-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/year>, I made and extra payment to cover ( rest of year ) the Escrow balance on my acct. 
However I noticed the {$470.00}, ( monthly Escrow ) was still showing up my monthly bill, so I called them, they said I couldn't pay my Escrow in advance. Is that true? 

The said they would send me back the check, it's been 2 months now and have not recieved the check. Why would it take so long, I've made a few calls about it and i'm not getting anywhere. They tell me the same thing that it's being sent. 

XX/XX/year> SELECT PORTFOLIO XXXX : SPS XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX ... ..this is the copy from my bank showing payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help. 

XXXX
Consumer complaint received 2022-10-22
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, 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 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 
XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00}
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (NY)

On XX/XX/year> at XXXXXXXX XXXX I deposited {$540.00} cash into a M & T ATM. I then received a error receipt stating there was a technical error and my funds deposited could not be completed. The ATM took the {$540.00} from me and then on the screen of the ATM stated the ATM was now out of order and started flashing red. My funds were never deposited back into my account and there is no transaction history at all of any deposit even being made at that time or date even though i have the receipts as proof. I called M & T bank and they issued a investigation and credited the funds temporarily. On XX/XX/XXXX my checking account was charged the {$540.00} and stated that the ATM was not over on money and that this deposit was never made. I have spoke with several different people including a manager and have asked to reopen this claim and I have sent over copies of my receipts and information to the managers email address that was provided to me and I have not heard anything back. This issue is completely unprofessional and very frustrating and stressful and is causing a serious impact on my finances and mental health and is extremely unacceptable and needs to be further investigated.
Consumer complaint received 2024-09-23
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: LEXISNEXIS (FL)

Lexis Nexis reported false information. I contacted the company XXXX ( the original company that reported false information ) and they corrected the information in their system. However, when I contacted Lexis Nexus and submitted the report showing the information was erroneous, Lexis Nexus refused to change the information. 

Lexis Nexis consumer number XXXX case number XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX posted date, my wife and I ate lunch at XXXX XXXX in XXXX, XXXX {$28.00} Upon arriving back at home we noticed there was an extra charge for large bowl of XXXXXXXX XXXX XXXX We did have XXXX bowls but there was a charge for " airplane bowl '' ( large ) which we did not have for {$10.00} I sent receipt of restaurant to Capital one in XXXX without response for credit of {$10.00} Please credit me money and let merchant know of overcharge