davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Westlake Services, LLC (AZ)

This company ( Westlake Financial Svc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2022-11-19
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-02-10
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)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2021-03-09
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: JPMORGAN CHASE & CO. (PA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. AUTOMOTIVE FINANCE C Inquiry : XXXX. XXXX, XXXX, XXXX/XXXX  Inquiry : XXXX XXXX, XXXX, JPMCB CARD SERVICES Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.
Consumer complaint received 2021-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE BEEN DISPUTING INFORMATION FOR THE BETTER HALF OF A YEAR WITH TRANSUNION ON SEVERAL TRADELINES. TODAY XX/XX/2021 I SPENT OVER AN HOUR ON THE LINE WITH A TRANSUNION REPRESENTATIVE TRYING TO GET INFORMATION ON WHAT IS BEING FURNISHED TO THEM TO PROVE THAT THESE INACCURACIES ON MY REPORT ARE CORRECT. I WAS ADVISED I WOULD HAVE TO GET A SUBPEONA TO GAIN ACCESS TO INFORMATION THAT WAS BEING PROVIDED AS PROOF OF ACCURACY ON MY OWN CREDIT BUREAU. I WAS DENIED PROOF OF INVESTIGATIONS. I WAS REFERRED TO THEIR DISPUTE FORM ONLINE WHICH I HAVE DONE SO MANY TIMES BEFORE. I WAS ADVISED BY THEIR REPRESENTATIVE THAT THE INFORMATION BEING FURNISHED ON MY XXXX IS FROM THE CREDITOR AND THAT THEY BASICALLY HAD NO CONTROL. PER FCRA THE INFOMORMATION MUST BE VERIFIED AS ACCURATE AND I HAVE YET TO BE FURNISHED PROOF OF THE ACCURACY. I HAVE BEEN BOUNCED AROUND FROM CREDITORS TO BUREAU. THIS IS A WAY TO PROLONG THE SITUATION AND IN THE END CAUSE DAMAGE TO MY REPORT AND MENTAL HEALTH. THIS SITUATION HAS CAUSED NOT ONLY SERIOUS MENTAL ANGUISH BUT MAJOR XXXX.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

My Credit card was lost. I did not notice until the charges came in the mail. As soon as I saw the fraudulent charges ( end of XXXX  XXXX  ), I called and cancelled the card and reported the charges. Charges were removed and a new card was issued.

Several months later, all the fraudulent charges reappear on my statement without any explanation. I call to inquire. They tell me I need a police report and the charges will be removed. Why wouldn't they have said that in the beginning? I get the report and send it. They don't remove the charges!!!!! Each time I call they come up with a new reason to not take off the charges. 

The very last time I called, the supervisor said it was because I made a payment on the card. That confirmed the charges were valid.????? I have been a customer for over 18 years, paying it off each month. I have never had a problem. I have never gone to the merchants on the XX/XX/2020 statement. Ask them for signatures or a camera or something because the {$2900.00} charges are not mine??????
Consumer complaint received 2022-12-04
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. (NJ)

On XX/XX/2022 i was contacted by a debt collector named XXXXXXXX XXXX XXXX, was insistently harassing me, yelling at me during calls when i simply told them by law they are not allowed to call me before XXXX XXXX since i work in TX now, im no longer in eastern time .They violated my right consumer right since they called me before the legal time which is XXXX XXXX, in XXXX time is central time which is one behind of eastern time.In addition to that, they tried to collect a debt that already written off in taxes of the original company .By law any charged off debts sold to a collection agency, its a violation and illegal to charge off a debt then trying to retrieve the payment from it. Any charged off debts become a taxable income to me, therefore .Since the collection agency violated my consumer right, i request to delete the negative report from my credit file.Also i request to provide documents bearing my signature to validate if that account belongs to me.
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2021-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (KS)

Medical debt was paid on XX/XX/2021. When payment was remitted to Transworld Systems also known as TSI they agreed to delete the record from my report but later refused after payment was remitted. I filed a complaint with CFPB against TSI on XX/XX/2021. On XX/XX/2021 TSI sent a letter admitting the account was paid and that theyve asked the credit bureaus to delete the account. A representative from XXXX  said the debt was verified as belonging to me on XX/XX/2021 which is after TSI claims to have requested deletion of the record. I was able to ascertain that TSI had in fact not requested my record be deleted but instead transferred the account to XXXX XXXX XXXX XXXX to prevent the record from being deleted. Attached you will find the CFPB complaint response letter and also a screenshot of my credit report from XX/XX/2021 showing the debt now being reported by XXXX XXXX XXXX XXXX under the CR code XXXX. This is another blatant illegal act and a deliberate attempt to continue reporting false information. I have retained legal counsel and will move forward with litigation against all parties complicit in any, and all attempts to continue to report/collect on this fully satisfied account. 

Furthermore XXXX  was furnished a copy of the CFPB complaint response letter. I submitted a dispute online. I spoke with an agent named XXXX who refused to forward the dispute to TSI stating that XXXX  would instead be reviewing information it had received from sources and that the TSI collection would not be removed. I advised him that he should consult with someone from XXXX  legal. After being placed on hold for approximately 10 minutes XXXX informed me that the record would not be removed and legal approved his course of action. They would continue with their dispute process. This is egregious. XXXX  is allowing a paid debt to be transferred to a proxy agency for purposes of continuing to violate my rights under the FCRA. If XXXX  is allowed to take such drastic and illegal actions to knowingly and deliberately damage my financial well-being then the I will never be afforded the financial growth and reconciliation Ive worked for nearly 4 years to achieve. Every day this continues my business is incurring irrevocable financial damage. If immediate action is not taken to correct this fraudulent attempt to ruin my credit I will seek civil damages.
Consumer complaint received 2022-11-30
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. (MD)

I received my investigation back from Equifax, which states you completed a fair investigation and these accounts are 100 % accurate. 

Can you please answer this one question? How did you investigate these accounts?

Because according to the Fair Credit Reporting Act 15 U.S. Code 1681a this is how you're supposed to INVESTIGATE MY CONSUMER REPORT.

Did you interview my neighbors? Did you interview my family and friends?

Who did you speak with ( Names, dates of contact ( s ) ) One more thing can you please tell me how everything is 100 % accurate if the date open, date last active and date last reported on these accounts are not reporting the same information, also Equifax DID NOT send me ANY documents or paperwork showing these accounts are 100 % accurate and validated.

Equifax has violated multiple laws ( listed below ) 15 U.S.C. Code 1681, 15 U.S.C. Code 1681a & 15 U.S.C.Code 1681i I demand you delete these accounts from my credit report, I have listed below : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account XXXX : XXXX Delete these accounts immediately or you will be held responsible for {$1000.00} per violation. 

Send me an updated credit report with these accounts permanently deleted.
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Midlan Credit has fraudulent account in my name claiming I owe them XXXX as of 2021 which is not correct I do not own this company any money nor do I have an active contract or account with this company. This company has illegally bought, sold and traded my personal information to obtain a debt not owed to them. They were notified upon them contacting me that this was a fraudulent account and they threatened me saying I better pay them XXXX that I did not owe them and ruined my credit and I am seeking a remedy to make me whole from the damages that Midland Credit fraudulent reported to all 3 Credit Bureaus. XXXX notified me of the issue and this has costed me hundreds to thousands of dollars in damages. I am requesting this company leave me and my credit alone.
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AL)

In XX/XX/XXXX, we purchased jewelry from XXXX XXXX. and they strongly recommended that we open a XXXX credit card account to take the advantage of paying off the jewelry over a period of time without interest. We followed their recommendation and opened an account. The card was actually with Comenity Bank. There were two different purchases. To avoid interest the balance of one had to be paid off by XX/XX/XXXX ( {$1800.00} ) and the other had to be paid off by XX/XX/XXXX ( {$5200.00} ). 
In XX/XX/XXXX, we noticed they charged the late fee and we called them, they refunded the late fee. And with their representative, we requested Comenity to set up automatic payments on the account in an amount that would pay off the balance by the XX/XX/XXXX deadline. Prior to that we had been paying {$450.00} a month on the account. Comenity started the automatic payments at {$310.00}, then changed them to {$300.00}. 
When we checked our XX/XX/XXXX bank statement, we saw that Comenity had continued to take {$300.00} out of our account, then we checked the Comenity statement and found that they still showed a principal balance on the account and had added over {$1500.00} in finance charges. We called to complain.

Comenity stated that the automatic payments were not enough to pay off the principal by XXXX, because it was minimum payment which is bad excuse because we set up with their representative for a minimum payment necessary to pay off the account in XX/XX/XXXX. We can not accept this excuse. We requested that they reverse the finance charge and allow us to pay off the remaining principal since the automatic payments were supposed to have paid it off without interest in XXXX as we discussed with their representative. They refused. 
After this, we saw the reviews about this bank, many people were trapped by them in this way or another. 
Our bottom line is that we talked to their representative and requested the autopay be set up to pay off the balance before XX/XX/XXXX ; the payment amount was calculated by them ; and they also automatically changed the payment amount from {$310.00} to {$300.00} in XX/XX/XXXX. 
We have made a payment to them for the remaining principal and need your help to get them to rescind the finance charge and change their behavior so more innocent people are not trapped and cheated.
Consumer complaint received 2021-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX, I deposited a check with Navy Federal Credit Union. I was informed in writing ( via email ) that the check would clear in 2 business days. I was provided a XXXX dollar credit, out of XXXX dollars. I was then informed on the 2nd that the check would be held for 5 days. This is an insurance check for losses sustained by me in a car accident. I was told that the check had a high probability of not clearing, though I have never had a check not clear my account. I have been with this bank for 3 years. I was told security department did not work the weekends, yet they can determine on a Saturday that a check needs to be held?
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NH)

I hold an Old Navy brand family credit card issued by Synchrony Financial Services. The issue occurring is reward certificates are being double issued. Duplicate copies of the same certificate would be sent to two different people. Some time in XXXX the customer service representative was able to tell me when and where the certificate was used. This helped to validate it was not me who used it. E.g. I live in NH and was told it was used in-store by someone in XXXX, FL. Then I was told this was not a on-time occurrence, but rather a known issue. The rep. explained they are having a problem of reward certs being double issued. Remedy was to re-issue the reward cert stating it would take 1-2 billing cycles for me to receive. 
The data I most recently captured was back in XX/XX/XXXX where I called into XXXX Synchrony Bank Customer Service to go through a series of having certificates re-issued, the rep stated they had been having the problem a couple years with no known fix. Fast forward to XX/XX/XXXX, another round of double issued certs and now I'm told by the rep. they knew of the issue since XX/XX/XXXX but are not aware of any known fix. I submitted a complaint to the escalated help desk where I was told no one would follow up with me, and my complaint would only be tracked in a log.

Tonight, while I just received a re-issued cert, the other two were used in the interim of me receiving the re-issued cert. 
Thus, the company is in breach of the credit card agreement by not addressing the known issue of double issuing reward certificates to two different people. Furthermore, they send marketing materials advertising of how to earn bonus points yet the reward system is flawed ( double issued cert ), leaving the consumer to call and request the cert be re-issued, then wait 1-2 billing cycles. Many aspects of this process are wrong and the consumers need help now to have this made public and remedied.
Consumer complaint received 2021-03-02
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: Experian Information Solutions Inc. (OH)

On XX/XX/2021 I submitted a request, in writing to have an inaccurate account removed from my consumer file. Not only does the account remain on my report, I have yet to receive any correspondence stating the dispute has been opened, along with any status update. It is my understanding that all investigations should take no more than 45 days. 

In addition, I've never given the alleged creditor or Experian my explicit or implied permission to report such account on my credit file. This account is impugning my reputation as a consumer and Experian along with the original creditor or in violation of several FDCPA laws and I will be seeking restitution for each violation if my requests isn't satisfied.