davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (GA)

On or about XX/XX/2023, I received a message on my phone with a link directing me to create a logon for an outstanding debt with no explanation as to who or why the company was contacting me. I looked online and found the company 's website stating a letter of transfer should be received but I had not received anything outside of texts and an email to create a logon for this company. I have been very leery of frauds since I am in law enforcement and have seen many types of fraud and investigating several cases at this time. 

On XX/XX/2023, I sent a Request for Debt Verification Letter by certified mail to Westlake Portfolio Management in XXXX XXXX, California. This certified letter was received and signed on XX/XX/2023. Today is XX/XX/2023, and I have not received a response from Westlake Portfolio Management in the form of proof of the debt. 

I have received two phone calls since the certified letter was received. The first call was a notification that my account was past due and in arrears by over {$800.00} and asking how I planned to pay the debt today. I informed the caller that I was not sure why he was contacting me since I received confirmation of the company 's receipt of the certified letter. I then, read the letter on a recorded line in its entirety. The caller then proceeded to ask me questions over and over, seemingly, in an attempt to frustrate me. I suggested that he take a moment to listen to what I stated and told him I was disconnecting the telephone call because it appeared he was harassing me at this point.

The second call was from someone again stating he was with Portfolio Management and threatened to file charges against me and send me to jail. I then informed him that the debtor 's jail has not been in place for more than 25 years and that this was a form of unfair practice. I also informed the rude and aggressive gentleman that there is a certified letter the company has in its possession requesting validation of debt with a cease and desist order included. Since this call, I have not been contacted in any form by Westlake Portfolio Management inclusive of a certified letter or package validating the debt.
Consumer complaint received 2023-08-02
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. (VA)

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX 15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years.

15 USC 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 in information is inaccurate.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I purchased {$4000.00} in gift cards from American Express which I activate before I send them to clients. American Express no longer allows me to activate the cards which have already been paid for. Their representatives send me on line or through a phone tree and neither solution works - Ive tried numerous times from different computers and phones and on different dates. They will not put me through to a supervisor either so I cant get a refund or use my cards
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (FL)

I looked on my credit and saw this I have disputed this many times and asked them to prove this debt I have never had an account with XXXX or never have even opened an account with XXXX I asked them to remove this from my credit and they still have not done so nor have they proved this debt belongs to me DELETE THIS FROM MY CREDIT OR IM GOING TO GET A LAWYER AND SUE THEM FOR THIS NOT ONLY FOR PUTTING THIS ON MY CREDIT BUT FOR ALL THE TIME AND THAT I HAVE PUT INTO ITALOMG WITH PAIN AND SUFFERING AND HIGHER INTREST RATES DUE TO THIS ON MY CREDIT PLEASE DELETE IT
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NE)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

To whom it may concern, My name is XXXX XXXX XXXX. I applied for a CitiBank Citi XXXX credit card using the promotion code provided in a letter they sent me ( attached ) in mail, which stated that I am pre-approved for Citi XXXX  credit card. 

Later that week, I received a letter in mail ( attached ) asking for a copy of my US Passport or Permanent Resident Alien card. I am an XXXX  citizen currently in the US on valid student status ( XXXX status ), so I do not have either of these documents. So I called Citi customer support and they initially wouldnt tell me why they can not process my application. 

At first they said that either on the application form or on their website the immigration/citizenship requirements are mentioned, but they retracted that statement because it simply was not there. Neither in the promotion letter, nor the application webpage ( both attached ) was there a mention of requirements regarding nationality or immigration status. 

They eventually told me that I am not qualified for this credit card because I am an XXXX national and federal law prohibits them from issuing me this credit card and my application will be rejected. However, they would not tell me what rule/law they are referring to. I reminded them that on the back of the letter they had sent me it is mentioned that The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age. 

Their failure to disclose this information had the following consequences for me. First, I shared sensitive information including my SSN, my address and date of birth with this financial institution, expecting that I will receive a service in return, however, according to their oral statement ( which they could not point to a written counterpart anywhere on their website or their letters ), I was not qualified for in the first place. Second, the fact that I would my credit card application will be denied is probably impact m

y credit score negatively. I spent over an hour talking to multiple representative and managers and eventually left feeling humiliated. I believe that Citis c
urrent practice in this case is both discriminatory and borderline fraudulent. 


Regards, -XXXX  XXXX XXXX
Consumer complaint received 2023-08-02
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-31
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. (GA)

XXXX XXXX {$100.00} & $ XXXX XXXX XXXX {$130.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2023-08-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-02
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. (DC)

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.

has violated my rights. Or list of inquiries 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 2023-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

I have a checking and savings account with Wells Fargo Bank. I went online to check on a deposit and on the page with my account summary, at the bottom of the page were " deals ''. My computer was frozen and I tried to unfreeze it and inadvertently hit the " Start '' deal at the bottom of the page. I forced my computer to shut down and went back to the Wells Fargo website and found that there was no way to deactivate this cash back deal. 

Wells Fargo refuses to remove/deactive the deal. I repeated that I did not want it. And I was told it can not be done. I was read the various terms and conditions and repeated to XXXX at Wells Fargo that I do not want it, that it was activated when I tried to unfreeze my computer. She again said there was nothing to be done. Between chat and calling Wells Fargo, I spent over an hour trying to get this " deal '' deactivated with no success. 

Let me begin by saying, placing these deals at the bottom of one 's account page and offering no way to deactivate in my mind is dishonest and unscrupulous. 

I am reporting this as I am furious at Wells Fargo 's actions or rather inaction and will take steps to re route my social security and other linked accounts and close my account. 

This is unacceptable behavior.
Consumer complaint received 2023-08-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (MT)

In XX/XX/XXXX, I employed XXXX XXXX XXXX in XXXX, MT to repair my car. The bill for the repairs was approximately {$8000.00}. The company informed me that I could obtain financing for the repairs through Koalafi which fronts for the XXXX XXXX XXXX. It was stated that if I paid off the {$8000.00} loan by the end of the promotional period, I would owe no interest. The promotional period ended on XX/XX/XXXX. I paid off the complete {$8000.00} loan by XX/XX/XXXX. Instead of closing the account, they added {$1800.00} in interest to my account.
Consumer complaint received 2023-08-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (CA)

I cosigned the lease with husband for Hyundai XX/XX/XXXX and they took car back XX/XX/XXXX, because we couldn't make payment. 
He filed bankruptcy, I didn't. 
My credit is bad and have problem to get a loan and a credit card. 
I called the Hyundai finance they asked me to pay {$5000.00}. 
If I have that much money on hand I wouldn't suffer like now. 

Please help me.
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP (WA)

Key Bank approved a fraudulent charge of {$140.00} on my Master Card ending in XXXX. I had ordered a teeth whitening product online from XXXX and paid {$8.00} up front on my MC with a guaranteed " TRY BEFORE YOU BUY '' trial period, which begins 10 days after I receive the product. I received the product on XX/XX/2018 but XXXX charged my CC {$140.00} on XX/XX/2018. Thus, they wrongfully charged my CC a full 6 days before my " TRY BEFORE YOU BUY '' trial period of 10 days had ended. I called XXXX XXXX on XX/XX/2018 when I noticed the {$140.00} charge to dispute it, but their representative told me they wouldn't reverse the charge. I asked to speak with their supervisor, but they told me their supervisor was not available. After I got off the phone with them, I called Key Bank 's Credit Card Dispute line and told them I'm disputing the charge. 

Key Bank mailed me the attached Dispute form letter on XX/XX/2018 asking me to respond back to them by XX/XX/2018. I mailed them my attached response letter on XX/XX/2018 disputing the {$140.00} charge ( see attached Certified Mail Receipt ). 

Key Bank then mailed me the attached letter on XX/XX/2018 stating that the {$140.00} charge was a valid charge, even though I told Key Bank that I tried to avoid the {$140.00} charge by calling XXXX  to cancel within my 10 day guaranteed " TRY BEFORE YOU BUY '' trial period.
Consumer complaint received 2023-08-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (VA)

PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH PROPERTY OWNERS AND CONDOMINIUM UNIT ASSOCIATIONSACCOUNT NOS : XXXX, XXXX, AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX ] AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Thank you in advance for your prompt attention to this matter. 

I have information on my reports that are outdated and I believe they are affecting my credit negatively. 

I no longer live at XXXX XXXX XXXX XXXX, XXXX NC XXXX Nor do I live at XXXX XXXX XXXX. 
XXXX NC XXXX I also request that all XXXX of my past job history information be removed. As I feel this information is not necessary to be shared. My personal phone no. and address puts me at risk. Please remove. 

My only name and always has only been XXXX XXXX XXXX Thank you! 
XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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. (CA)

This is my THIRD 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 XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX