davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

We just received a new loan from Westlake Financial Services. When we applied for the loan we asked when the due date would be. No one was ever willing to give us one. Today we received our paperwork and without a known due date we attempted to make our first payment. 

We owe $ XXXX/mo but we wanted to pay {$1000.00}. We attempted the transaction and apparently it went through. But we had no proof of payment. No confirmation receipt. Our portal shows no payment or payment history. 

We called asking for a receipt or confirmation of payment but was refused a receipt or confirmation of receipt. We spoke with a supervisor. Still no proof of payment or confirmation receipt. We received an email with our payment history not showing any proof of payment. 

We do not know when our payments are due and we have no proof of payment for a loan that we have paid almost 4 times the amount due. We are appalled as to why we can not receive a ongoing due date or confirmation of payment receipt. 

How do we know we are not being scammed? We just trying to be responsible in paying our debt better than we agreed to pay it. Why are we refused any confirmation of payment received? How is this legal and ethical? How can they take our hard-earned money and refuse to confirm its receipt?
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello My name is XXXX XXXX I have credit card for the limit of {$4900.00} with Capitol One I have had the card since XXXX, I have good payment history until the pandemic hit I experienced fraud so I used my card to survive at the time. The compliant I am submitting that Capitol one have been providing misleading information about my card and about programs I was told that I had 180 days to get my card together and that I was only at XXXX days. I was told that I could still utilize my card and it was not canceled. On XX/XX/XXXX I called in after making payments to get me current I was told it was a rule called the XXXX  day rule that they permanently restrict the account. This was my first time hearing this they had been telling me that my account is open, its being reported open to my credit as well adding high interest. I asked them for information to support what they were saying. I was sent a credit card agreement that never stated XXXX day rule it states XXXX day rule. So then I asked so why would you guys sit there and report the card open and I am not able to use it? Nothing in the agreement or on the website states anything about restrictions or soft closings. The account specialist did not have much information to provide she could not answer any of my questions, all of them gave different information, then they based the decisions on computer system but could not explain the results. I was also told that because I had them on do not call they did not tell me about any programs to get me on track when I called capitol one and asked. I had been calling them for months it was no letters sent out to support any soft closing or restrictions information, they then went and updated my account after being on the phone with them for hours saying it was restricted. I have pictures and also the credit card policy along with pictures I took off line. I feel discriminated against and believe they are practicing misleading scams on reporting accounts open they have closed to sit and build up interest with notifying the customer the account is closed, I have been calling them for the last 8 months. I was never notified of restrictions and now that I called and spoke about it they have put the notification up on my app. I have attached photos and if you need to see the timing of the pictures I can send them as well I screened shot them from cell phone
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NJ)

This company Caine & wiener I have no knowledge of is reporting a collection on my credit. According to 25 usc 1692g validation of debt a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Im requesting proof of licensing to collection debt in NJ and description of procedure used to verify this account.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (AZ)

Elan Financial continues to refuse to abide by the CARES Act wherein lenders/credit card companies are to work with borrowers and continue to refuse to offer any type of deferred payments, nor have they removed late and/or over limit fees on all of our accounts. Therefore, our attorney is moving ahead with a class action lawsuit against Elan Financial.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

Violations of laws and consumer protection rights, lender fiduciary responsibilities, and bad business practices. Caliber Home Loan Company ( XXXX, XXXX ) has been dismissiveness and unresponsive to my request to cancel my escrow account and return all funds to me. 

On XX/XX/XXXX, I sent an " Escrow Removal Authorization Form '' to Caliber Home Loans to have my escrow removed. I meet all the requirements to have my escrow removed ( Conventional loan, XXXXXXXX XXXX  equity, and loan documentation allowing removal of escrow upon request ). I received a letter back from Caliber dated XX/XX/XXXX, stating that, " Investor requirements or loan type do not allow escrow removal for your loan. '' I contacted Caliber 's escrow customer service on XX/XX/XXXX and spoke XXXX XXXX and requested written evidence and proof of this claim by Caliber. XXXX XXXX was going to escalate my request. On XX/XX/XXXX, I sent a message to Caliber inquiring about the escalation. I received a boiler plate response back and that leadership was reviewing my request. On XX/XX/XXXX, I sent another communication inquiring about my request and receive the same boiler plate response. On XX/XX/XXXX, I called Escrow Customer Service and spoke with XXXX and went over my request with her. XXXX agreed that my escrow should be removed and saw no reason for it not to be removed. While she was attempting to get a manager to address my request, we got " disconnected ''. I called back and spoke with XXXX. He just speculated on my question and was all over the place but didn't have any factual information or knowledge. He said he would escalate my request ( again ). I followed up with a written communication to them. The response I received back indicated that XXXX had addressed all my concerns. 

Caliber continues to collect and hold my escrow for their financial gain and will not respond to my request for proof and documentation to support their claim that my escrow is not allowed to be removed.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TRUIST FINANCIAL CORPORATION (NC)

I applied and was accepted for a Truist card on XX/XX/31 so I could make a balance transfer from another card I have. I was preapproved and had no issues getting the card for a limit of {$6500.00} with the perk of XXXX  % APR on balance transfers for 15 months. I submitted a balance transfer request via the Truist app on XXXX and it was accepted for {$5800.00}. I waited 10 business days and no activity had occurred. I contacted Truist and they advised to wait longer. To date Ive contacted them four times and each time they state theyve put in a ticket. The balance transfer request was made more than a month ago now. When I log in and research balance transfers now I no longer see the perk because Ive already applied ( but I am guessing this was an IT glitch. ) Truist is not helping and it is unfair to advertise a balance transfer perk and then it doesnt come to fruition.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX {$85.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX XXXXAug. XXXX, XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX-Mar. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$420.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX Section XXXX XXXX States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-08
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX account # 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
Consumer complaint received 2020-04-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is where I obtained a loan from them. I fell behind on the loan due to a very unfortunate situation. I have been disputing the errors on the account with it coming back verified and accurate each time with no changes. The balance on each credit bureau is different. The last day reporting back to the credit bureau is different on each credit bureau report. The open dates are different as well. They have failed to properly dispute and correct all the information above. I would like for this account to be removed from all 3 of my credit profile due to them not properly correcting my credit reports and reporting untrue information on my credit file.
Consumer complaint received 2020-04-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (CA)

I had a home equity line of credit with XXXX XXXX XXXX for several years. Without any warning, my loan was sold to another lender. However, I continued to make the payments to XXXX XXXX XXXX online in good faith from XX/XX/XXXX until XX/XX/XXXX, when I received a call from the new lender, Specialized Loan Servicing informing me that I was three months behind in payments. I retrieved their payment information and started paying them directly after that time. I told them that the prior three payments were in fact made but paid through XXXX   XXXX XXXX. I have the bank statements to prove it and promptly emailed them to Specialized Loan Servicing, per their instructions. Fast forward to XX/XX/XXXX. I receive a huge envelope from Specialized Loan Servicing urging me to restructure my loan since I am seriously behind in payments. It is like I never even spoke to them regarding this matter or sent them proof that the payments were made. I did also speak to XXXX from XXXX  XXXX XXXX, Texas today regarding this issue and she verified that the payments were deducted from my account and should have been forwarded and that this was really an issue with the new lender. At any rate nobody at Specialized Loan Servicing seems to know what happened to my missing three payments for {$210.00} each, even though I have also spoken with them again today. I did resend the online Bill Pay Statement history from XXXX XXXX XXXX for this account as well, since their customer support said there wasn't even a case opened yet to do a tracer on the missing payments, which seriously concerns me.
Consumer complaint received 2023-03-09
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: DISCOVER BANK (AZ)

I was notified XX/XX/2023 by XXXX XXXX that my name was added to someones credit card. Upon checking my XXXX credit report per XXXX XXXX, it shows a Discover Card account # XXXX with a balance {$2900.00} that is not my card or account. I called XXXXiscover Card Services and spoke with a XXXX who informed me the holder of the card was also a victim of fraud. My name was added to the account fraudulently using my correct name, birth date and social security number. However, they used an incorrect address of XXXX XXXX XXXX XXXX XXXX, FL XXXX of which I have never lived. I have never lived in Florida ever. Discover stated they would remove my name from the account and notify credit bureaus to remove the account from my credit report. So someone is using my name, date of birth and social security number to commit fraudulent credit card theft.
Consumer complaint received 2023-03-08
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-08
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: Experian Information Solutions Inc. (MO)

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 bureausmust 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 an update of the following erroneous information on 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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: Upstart Holdings, Inc. (MN)

I am not a 14th Amendment Citizen and a Secured Party Creditor, I have all proper documents in public record. My FEE per Trespass is {$300000.00}. My LEGAL FICTION ALL CAPS NAME is now copyrighted and I placed a $ XXXX Lein against that PERSON... Any company, man or woman wants to use it, borrow it, or administrate it ... compensation is required. I gave UPSTART many opportunities to Remove my information out of their database and remove their information off my credit report and if they did not... Tort Claims will be filed. They ignore me and have made no effort to contact I. Now Compensation is required for Administrating Property Without Right, Consent or Contract ( Trespass ) and they're ordered to remove their information off my credit report. 15 USC 1666 ( d ) HJR-192 of 1933 ALL DEBTS ARE PAID. There is no money in circulation by fact. Upstart is in violation of multiple title 15 codes + causing harm towards a man which is a CRIME by LAW.
Consumer complaint received 2023-03-08
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: CITIBANK, N.A. (CA)

I hired a moving company to perform our move from XXXX, XXXX  to XXXX, XXXX. The total amount of the dispute was {$18000.00} as the delivery company didn't deliver the items on the contractual date ( not even close ) also, when they did delivery it they only delivered 40 %, when the contract stated it would be all delivered on same date. The rest of our move took weeks and they breached agreement by putting our items in storage and damaging a lot of our items, which surpassed {$18000.00}. 

Citi didn't even investigate or discuss with merchant. They said over the phone that they would be reaching out to merchant and getting their side of the story ( which was false, as they stated after they never moved forward ) and never provided a reason. During this 1 month process, not a single email or phone call, and simply declined to investigate. I escalated to the executive team and they said I would have to deal with merchant - but hold on, what's the purpose of the credit card dispute process if the merchant doesn't honor their products and services.
Consumer complaint received 2023-03-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a complain with the Equifax regarding the account XXXX XXXX XXXX ( XXXX ) XXXX and the complain was already closed and they will delete this account from my credit report because they are violated my rights. As today I don't see any changes in my Equifax credit report and the account still there. Company responded an closed with explanation on XX/XX/XXXX and says that the account was removed from my credit report. Complain # XXXX Submitted to the CFPB on XX/XX/XXXX.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Accounts are being reported as open when they are closed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX showing a past due amount from an account that is closed and listed as open, XXXX XXXX XXXX showing the past due amount on an account that should be closed and now listed as open this account also don't belong to me and it's showing me as the one responsible for an account and that is wrong. I wrote the company and told them that they were reporting these accounts as open when they were closed and this company never responded. It has been over 30 days. Convergent Outsourcing has not been verified and is showing in collections which is fraud. I gave no one permission to create this account or share my information.

My credit score has not increased and I have done things for my credit to increase and the score is not moving. I reduce my debt and paid my credit cards down and they still haven't changed my credit score. 

They have also added collections " XXXX XXXX '' that hasn't been verified. I contacted this company when they sent me a letter and I asked them to validate this date they never responded but it still showed up on my consumer report. I don't want them to send old bills I want a true validation requesting the original purchase agreement sending all terms and conditions showing ownership, and all payments on account not a pile of bills that prove nothing.
Consumer complaint received 2023-03-08
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. (MD)

Experian and XXXX refuses to removed this XXXX  XXXX from my credit report after I have repeatedly requested it to be. It is not my XXXX  XXXX XXXX. Experian says they use XXXX XXXX  to verify information and I have a document from that company stating they were unable to verify the information and it has since been removed from my record and I want Experian and XXXX  to follow suit