davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC (FL)

I received an answer to my complaint from WestLake Finance on XXXX XXXX through XXXX XXXX XXXX. Two months since I never received any letters or emails from WestLake Finance regardless status of the vehicle that they begun to purchase from
 the dealer or Fraud department update as they promised in the reply to my complaint. 
I received letters from Westlake Finance stating that my car is being repossessed due to my outstanding loan balance. And that they initiated a car sale on an auction. This very car which was declared absolutely totaled and the repair cost exceeded the car value multiple times only at the third day leaving the dealer. We havent seen this car since XXXX and had no idea of the car location since it left the XXXX shop. We received absolutely not a single word from the car dealer after they took vehicle away in XXXX and promised to reach out with updates. Our attempts to reach out to them were unsuccessful as well. 
This is the  surprise that WestLake finance prepared for my family. After misleading us and lying to us and to the federal agencies,  alongside with a dealer tricking us into buying this malfunction car and all of these fake undisclosed warranties, differed down payments as well as a  car insurance by XXXX XXXX  which they also made me purchase and which overdrafted my bank account even after us telling them that we dont posses the car and it is not running. Now my familys main and only bank account got shutdown. Its been enough lies and misinformation, from now on Im seeking a legal attorney assistance into putting these scammer Dealer and Finance company into their place. All my family holidays got ruined as well as XXXX XXXX of my wife due to stress, XXXX XXXX XXXX  that these scammers brought upon my family.  I also found out that a few different people got scammed by XXXX XXXX XXXX  within the same timeframe as us. Im also been told by that very dealer that XXXX XXXX XXXX have their own people in WestLake Finance, which I assume help them scamming poor families and immigrants into their predatory landing schemes. Im currently in contact with these families and we will not hesitate to bring this case up to a full scale class action lawsuit.  Im also aware that Westlake Finance was under Administrative  processing  for multiple violation of consumer rights by Federal Credit Protection Agency (File No. XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting 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. (IN)

Purchased a new car- XXXX XXXX XXXX pulled my credit and said it was XXXX. 
I had removed the freeze the day before because we were purchasing the car- they said they would try again put the freeze and turn off- t hat was on XXXX still XXXX they told me to call Experian, I talked to Experian on XX/XX/XXXX told to call back on XX/XX/XXXX talked XXXX said my XXXX was in the XXXX 's. told me to call back on XX/XX/XXXX I did I talked to XXXX who sent me to XXXX filed a complaint- sue sent me to XXXX- who said has to be an error from XXXX not them. 
Spoke to XXXX XXXX XXXX XXXX who said no had to be Experian. 
I am concerned as to how this happened and why they are both pointing fingers at each other- I received a letter from XXXX XXXX saying the credit score is XXXX on XX/XX/XXXX ( the day that XXXX XXXX XXXX it is XXXX ) We had to take the loan under my husband whose XXXX score is less than mine- this greatly concerns me if I want or need credit in the future- who did what wrong- this can cost me for loan percentage. It has been extremely frustrating - no one can tell me why when XXXX XXXX pulled the credit it was XXXX ( like a kid out of college with no credit ). 
I would like resolution on what happened and how to make sure it does not happen again. XXXX XXXX XXXX said they use a third party to pull reports- they also said good idea to report it so that you can figure out whose fault and what went wrong. 
Thank you
Consumer complaint received 2023-05-13
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. (IL)

In accordance with the fair credit report XXXX accounts XXXX XXXX  {$820.00}, XXXX, Bankruptcy XX/XX/2016, XXXX XXXXXXXX XXXX  {$720.00} XXXX XXXX {$8000.00} has violated my rights 15 U.S.C1681 section 602a stats I have the right to privacy.

15 U.S.C 1681 section 604a section 2It also stats a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (AR)

My sams club credit card is suspended to pay 5 % back on gas purchases. I have been issued over XXXX $ since XX/XX/2022. But they are telling me I cant have it to spend!
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (FL)

I purchased this vehicle in XXXX. I have made payments for XXXX yrs and due to the interest rate of over XXXX %, my balance owed as of today is over XXXX. My loan amount financed XXXX yrs ago was for XXXX. I pay {$590.00} a month with an additional fee added for online payments to total {$600.00}. have good credit and income now and still CAN NOT get the car refinanced or traded in due to the amount still showing as owed. The car is not worth half of what the financing amount was originally and currently owed. American Credit Acceptance does not refinance and I do not want to extend any payments again because I realize that their practice is not to help me pay off the car but to keep me stuck with paying for this car well after it has XXXX value. It is a XXXX. I just need some assistance on how I can get someone to look into this loan. I feel like they have purposefully set it up for failure and financial struggle.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

In XX/XX/2023, nine student loan accounts were transferred from XXXX to XXXX. XXXX did not properly report the nine accounts as paid in full and closed. Currently, both agencies are still reporting duplicate amounts, which overstates my student loan debt by over {$80000.00}. I have been trying to get this corrected for months. I have asked XXXX to update the balances with the credit agencies. No reponse. I have asked XXXX for documents that verify the accounts are paid in full. No response. I have filed disputes with Experian about these balances and they report that XXXX confirmed the balances during the dispute process. However on the credit report, the balances are dated " as of XX/XX/2023 ''. These balances were not updated during the dispute process, even though they are almost a year old. I just filed another dispute with Experian, and they advised that filing a complaint with CFPB might be helpful in resolving this issue. Thank you for your help. Note : I am providing screenshots showing all nine accounts for both XXXX and XXXX. I am also including the detail on the first account only showing : The XXXX balance on the credit report, the XXXX balance from my XXXX account page, and the XXXX balance from the credit report. Each of the nine loans show the same payoff date.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY (LA)

Both of these companies have been trying to collect very old debt from me, I was injured a long time ago and since then have been put on a fixed income so fixed that I had to file bankruptcy. In the case of Amex XXXX, I had two purchase guarantee agreements with their card they failed to uphold. They agreed to honor their policy which says if my purchase breaks or is not satisfactory I will get a full statement credit. I submitted a complaint and filed a claim with their department for on two purchases totaling about {$4000.00}, I was told my card would be credited that amount from XXXX purchases because my mowers broke and a service center could not be located in my zip code area. I filed an arbitration grievance when I did not get my statement credit and I was ignored. I followed every step on the back of my statement for American Express and they still failed to honor their policy. They instead filed suit and damaged my credit. 
The second credit card holder XXXX was advised that I was no longer able to work and afford the large amount of payments from their company, I was advised that I could file for a hardship and have my payment reduced and late payment stopped this ever happened. The account was closed and aged off of my credit reports. Today I received a letter from a lawyer that I was being sued for {$10000.00}. 
Third, both of these should have been included in my bankruptcy and should not be contacting me or trying to seek to collect any debt from me at this point. I was advised that every creditor would have been contacted by the bankruptcy court at the time of discharge.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I was issued a 1099c for three ( 3 ) charged off credit cards, XXXX XXXX, XXXX XXXX and XXXX XXXX, however my Equifax credit report info does not reflect a discharge of debt. I have attempted to resolve this issue by phone, by calling both XXXX XXXX  over six or more times and still no resolve. I have also attempted to dispute this via Equifax over 6 or more times and still no resolve. This issue have been unresolved for over 9 months. 
See attached my most recent dispute attempt with Equifax and how my information have been reported currently. Equifax have also been rude and belligerent towards me in my attempt via phone
Consumer complaint received 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC (FL)

To Whom it May Concern : This letter is regarding credit report entries which are not being reported as required by Federal and State laws on our personal credit report accounts under SELENE FINANCE for account # XXXX on XXXX, XXXX, and XXXX credit bureaus. 

On or around XX/XX/, the credit report scores belonging to my husband and I, dropped XXXX points because Selene Finance report our XX/XX/ payment as late and XX/XX/XXXX  as UNKNOWN. We made a payment to Selene Finance on XX/XX/XXXX  for the month of XX/XX/XXXX  and they reported the account as late. 

Contractually, we made the payment for XX/XX/2023 during the month that it was due. Selene Finance has to uphold their part of the contract by applying the payment within the month we made it. Legally, we are within our contractual rights. 

As a direct result of Selene Finance reporting the account as late for XX/XX/, we have been financially harmed. We have been unable to refinance our home loan with another bank because the payments are not reflected accurately on our credit reports. 

We would appreciate any help that your office can provide in getting these issues resolved. 

Thank you for your cooperation in this matter. Please advise. 

Sincerely, XXXX & XXXX XXXX /s/ Our contact information is as follows : XXXX XXXX and XXXX XXXX XXXX : XXXX SSN : XXXX XXXX XXXX  XXXX XXXX. 
XXXX, FL XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

XXXXAttention : XXXX XXXX XXXX Dear Equifax Team XXXX I am XXXX XXXX and I recently reviewed my credit report, only to find unauthorized inquiries that I never initiated or approved. 

Upon my own research, I found that the respective creditors associated with these inquiries do not have any documentation suggesting that I initiated or authorized these inquiries. This is concerning as these entries were made without my explicit written or verbal consent. 

Considering these discrepancies and in line with Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports, 15 U.S. Code 1681b, I kindly request the immediate removal of these unauthorized inquiries from my credit report. The specific inquiries in question are : - Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To expedite this process, I have enclosed proof of my identity and current address. I anticipate a timely response and an updated copy of my credit report reflecting the necessary corrections. 

I trust that Equifax will handle this matter with the diligence and attention it warrants. Thank you in advance for your cooperation and understanding. 

Warm regards, XXXX XXXX
Consumer complaint received 2023-09-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC (TN)

On XX/XX/XXXXXXXX  I leased a car with an option to buy from XXXX XXXX XXXX XXXX . With bank statements and contract paperwork to back up my claim, I made every single payment on time. XX/XX/XXXXXXXX   I called and spoke with a lawyer for XXXX XXXX, paid the lease balance and started the purchase agreement on the car. 
In XXXX of XXXX  I was notified to finish my payments at Westlake portfolio management and I have. My last payment is due tomorrow XX/XX/XXXX XXXX.i called today ( XX/XX/XXXXXXXX  ) and asked about my title and where I can get it, I was told by the representative that I would have to pay XXXX to get my title and they have no record of my original contact. 
I have paid XXXX dollars for a XXXX XXXX XXXX, I have worked hard and went without just to pay my car off. I don't want a free car I want the car I have paid off. 
If they take my car I will not have anything. I will be at rock bottom.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Starting on XX/XX/XXXX I notified TransUnion credit bureau that I was having trouble getting online access to my credit information. After much discussion I was informed that my on-line access was blocked permanently. I inquired why this is and no one, at first, could explain the reason. After more phone calls a little bit of information came out. Transunion claims that something " possibly '' fraudulent took place with my account in XXXX. I was never informed of this nor was I given a chance to help resolve the problem and the permanent block was placed permanently on my on-line access. I explained that I wanted the block removed immediately and they refused and even hung up on me during a phone call. They will tell you that I have telephone access to my information but I don't feel secure in discussing credit information and details of my credit history over the phone. I only found out about this block when I saw credit information at closing on a new house. Where the other XXXX bureaus provided credit scores Transunion had replied " Blocked '' to the request for credit information. This peaked my interest and that was when I started calling Transunion about the situation. It didn't stop my wife and I from getting approval on the new house because the other XXXX scores are excellent and my wife 's scores are excellent also. However recently I applied for a car loan and XXXX XXXX denied me a loan due to incomplete credit information. I can see how this will be a problem in the future if a need for credit comes up again. I have been unable to get Transunion to change their position on this with no explanation on why the block exists. They will tell you that this is for my protection. I disagree. they are not allowing me access to " My '' information on-line and I want the freedom to access " My '' information on-line restored immediately.
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was scammed by XXXX on XX/XX/2023. I supposed to purchase a chihuahua puppy but I didn't receive a puppy. I paid {$820.00} to XXXX XXXX ( XXXX ), I used XXXX to send my payment for the puppy ( XXXX to XXXX XXXX - XXXX - REF # XXXX - I LOVE XXXX ). I communicate with him thru text messages at ( XXXX ) XXXX and email : XXXX. I paid {$1700.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the Air Conditioned Pet Travel Crates Rental ( thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX ). I communicate with him thru phone ( XXXX ) XXXX and email : XXXX. He said that it is 95 % refundable upon the arrival of the puppy at home. Later, XXXX XXXX informed me that the puppy is put on hold because the pet needs insurance at XXXX XXXX XXXX XXXX. I paid {$1500.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX ( {$700.00} - thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX and {$800.00} - XXXXXXXX XXXX to XXXX REF # XXXX ). He said that it is 95 % refundable upon the arrival of the puppy at home. It's too late for me that my relatives and friends told me that XXXX is a SCAM and it is included in the list of XXXX Scams at the websites. Again after XXXX hours, XXXX XXXX informed me that the puppy is put on hold again because the pet needs Vaccination and Rabies Shot at XXXX XXXX XXXX XXXX. I need to send {$1300.00} and It is refundable also upon the arrival of the pet. I didn't send a money anymore because I learned that it is a SCAM. I tried to call him for the refund of the money that I send but he refused to give my money back. According to him that the puppy is already at XXXX XXXX XXXX XXXX. He said also that if I don't send a payment, FBI will arrest me for the abandonment of a puppy at the airport. I lost for the total of {$820.00} + {$1700.00} + {$1500.00} = {$4100.00}. This is a big lesson for me. As of now, many online websites are fraud. I need to be careful next time especially when I send the money. I tried to contact my bank, Wells Fargo to dispute or reverse my payments thru XXXX and XXXX XXXX. Since those apps are considered as cash payment, they can't reverse my payments and the money that I send to them are totally lost. Sadly, the address of the breeder, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, Texas belongs to the real owner, XXXX XXXX. The address of XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX belongs to XXXX XXXX and XXXX Co. I would like to request for your help. My bank told me that the payment transactions that I did will be reversed if I have a police report and FBI reports. I hope that you can help me to arrest the scammers and help the victims of XXXX