davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  reported the late payment on XXXX, XXXX, XX/XX/year> to all XXXX credit bureaus for all three loans ( Loan # XXXX, XXXX and XXXX ), while those three months were the review period of mortgage assistance application.
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (TX)

I bought a vehicle from XXXX XXXX XXXX on XXXXXXXX  with full coverage insurance and GAP insurance, I put {$2000.00} down on it and owed about {$12000.00}. 
On XX/XX/XXXX  it was stolen, but recovered on XXXXXXXX  wrecked and taken to XXXX XXXX XXXX  and placed on a XXXX hold because it had been called in stolen. 
My last payment made on my car was XXXX, my next payment was due on XXXX, but I stopped paying on it because no one called me to tell me any information about my car! I called XXXX XXXX, Claim Department and Westlake Financial Services repeatedly and no one told me anything. The police report was filed on XXXXXXXX  and I filed a claim on or about XXXX, ( claim # XXXX ), and the only person who ever contacted me was XXXX XXXX ( insurance adjuster ) on XX/XX/!!!!! She wanted to do a phone interview and ask me questions about my car, which I did. 
She didn't tell me that my car was in process of being repossessed, I had no idea that Westlake was repossessing my car! 
I have no clue when or who picked up my car from the impound lot, I had no idea that Westlakes repossessed my car and were selling it for {$480.00}!!! 
On XX/XX/2023 Westlakes sold my car to XXXX XXXX XXXX for {$480.00}, and that is the same car lot I bought the car from!!!! And, they presently have it listed for sale for {$12000.00}, but bought it for {$480.00}. 
Can Westlake Financial Services repossess my car even if I wasn't behind on my payments? And, aren't they supposed to contact me before they sell it? And, I don't feel like what they did is legal, they took my car from me for absolutely no reason, then sold it to the car lot I bought it from for {$480.00}. And, is presently continuously harassing and telling me that I owe them {$17000.00}. They call me at least 10 times a day from 10 different numbers asking for payments!! Is this legal what they did? If it is then just delete my complaint, but if its not can I get my car back?
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint against XXXX  XXXX XXXX XXXX XXXX regarding their blatant disregard for consumer protection laws, specifically concerning my recent dispute ( Account Number : XXXX ). My initial dispute letter, dated XX/XX/year>, has gone completely unanswered, despite the clear legal requirement for a response within 30 days. 

This is not just an oversight ; it is a violation of my rights as a consumer under the Fair Credit Billing Act ( 15 U.S. Code 1666b ). I have never received the mandatory notice 21 days prior to the payment due date, which is essential for managing my payments effectively. This failure to notify me has resulted in unjust late payment entries that are severely damaging my credit score and overall financial health. 

The lack of communication and failure to address my concerns reflects a systemic disregard for consumer rights. I am left with no choice but to escalate this matter. I hereby demand the immediate removal of all inaccurate late payment entries on my credit report and a formal acknowledgment of this complaint. 

Let me be clear : if I do not receive a satisfactory resolution within the next 7 days, I will initiate legal action in small claims court. I expect XXXX  XXXX XXXX XXXX XXXX to take this matter with the seriousness it deserves. Failure to comply will result in further actions to protect my rights and financial well-being. 

Sincerely,
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Experian closing complaints and disputes saying they are ready to view online ( that's a lie ) but when you try they say you can't and must call and when you call they say they can't help you but the none XXXX speaking person wants my full social security number, NOT HAPPENING
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. 

I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. 

I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. 


I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. 
I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. 

I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. 
Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers. 


I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. 

Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. 

I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : US DEPT OF EDUCATION XXXX Opened XXXX XXXX XXXX Balance : {$1600.00} ; US DEPT OF EDUCATION XXXX Opened XXXX XXXX, XXXX  Balance : {$1600.00}.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

15 USC 1681 ( a ) ( 1 ) ( A ) : The specific provision is part of the introductory section of the FCRA and states the following : ( a ) Accuracy and fairness of credit reporting : ( 1 ) In general : ( A ) Accuracy and fairness of credit reporting : Consumer reporting agencies must maintain reasonable procedures to ensure the accuracy and fairness of the information they collect and report about consumers. These agencies play a crucial role in providing credit reports to lenders and other entities, and this provision emphasizes the importance of accuracy and fairness in the information they compile.

Practical Implications : Accuracy Requirements : Consumer reporting agencies are required to take steps to ensure that the information they report about consumers is accurate and up-to-date.

Fairness Requirements : In addition to accuracy, the FCRA emphasizes the importance of fairness in credit reporting. This includes ensuring that reported information is not only accurate but also fair and just in its representation of a consumer 's creditworthiness.

Consumer Rights : Consumers have certain rights under the FCRA, including the right to dispute inaccurate information on their credit reports. If inaccuracies are identified, the consumer reporting agency must investigate and correct them.

Responsibilities of Consumer Reporting Agencies : This provision places a responsibility on consumer reporting agencies to establish and maintain procedures that reasonably ensure the accuracy and fairness of the credit information they handle. 

It's important for consumers to be aware of their rights under the FCRA and to review their credit reports regularly for accuracy. If inaccuracies are found, they have the right to dispute and seek corrections. Additionally, the FCRA imposes obligations on consumer reporting agencies to handle information in a manner that is both accurate and fair to consumers.
Consumer complaint received 2024-01-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I have a credit card for Talbots which is managed by Comenity Bank. 
I pay my bills on time and recently began to pay them through my on line banking. Twice I received fees for late payments. The first time I thought it was my fault. The second time, I called. It had taken them over a week to post my payment after they received it from my bank, and therefore they considered me late. They would not eliminate the charge nor could they give me the policy on when payments are posted related to when they are received. 
Since I have done business with Talbots for XXXX 30 years I tried again and purchased something on XX/XX/XXXX and received a bill for {$84.00} on XX/XX/XXXX with a due date of XX/XX/XXXX. I thought that was plenty of time to be paid through my online banking so I paid the bill on XXXX through my online banking but it would not be paid out until XX/XX/XXXX which still seemed like plenty of time to be posted. It was paid by my bank on XX/XX/XXXX. 
Comenity Bank did not post the payment until XXXX  which resulted in a {$37.00} late fee which I think is unacceptable. I will not use my Talbots card again, but meanwhile, this must be happening with other customers. This is too bad as I have been purchasing from Talbots for XXXX 30 years and never had an issue until Comenity bank took over. 
I find their practices " shady '' at the very least.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma (NY)

Today, XX/XX/2024, Credit Karma reported my XXXX score dropped XXXX points. Credit Karma shows why a change occurred ; it shows that there were XXXX changes. However, none of the XXXX changes that occurred can reasonably be what caused a XXXX point drop. The XXXX changes were : a balance increased XXXX on XXXX line of credit account ( not a major change to trigger a XXXX point drop ) ; a balance decrease on XXXX separate credit cards ( I emphasize " decreases '' ), and XXXX name of creditor changes ( each was for the same creditor though, XXXX ). This is very strange. I have screenshots to share. In sum, XXXX XXXX increase on XXXX line of credit, XXXX decreases on XXXX separate cards which are a good thing, and XXXX name changes should not trigger a XXXX point drop in a XXXX XXXX XXXX.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC (LA)

I recently reviewed my Consumer Report where I discovered that ( XXXX XXXXXXXX XXXX /SPEEDY CASH ) date opened ( XXXX ) a loan installment account was notated as a ( CHARGE OFF/ COLLECTIONS ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt in or opt out of my privacy being shared with a third party. In Pursuant to Title 15 U.S.C. 1681b ( 2 ) any information communicated a placed on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a Consumer Report without written consent and an adequate notice antedating 7 years.
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XX/XX/XXXX : I called in to request settlement agreement. Representative gave me a settlement for XXXX  and I agreed to accept. Representative also reassured me that I will receive a letter within 7-10 business days verifying settlement. 

XX/XX/XXXX : Received a bill for FULL amount for XXXX. No settlement in bill. I called today to resolve matter and received unprofessional attitude from representative who left me on hold TWICE when I called and did not come back to the phone.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (FL)

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in dates of ( XX/XX/2023 ) ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. if proof cant be provided I demand these payments be updates to paid on as they should be due to that I was never late. Thank you very much. Please see screenshot attached.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I recently called the company CREDIT ACCEPTANCE CORPORATION to obtain a wet signature of contract to verify they the debt was mine I received no response. I filed a CFPB and FTC complaint with the company. I receive nothing. They deleted from 2 credit bureaus expect one! They are damaging my credit which is a defamation to my character! They have not supplied the credit bureau or me with any verification. They have violated numerous laws! I am Demanding Deletion from my consumer report or else I'm going to pursue litigation. Ive called this company numerous times all I get is hung up on. previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". failing to comply. ask for the bookkeeping entry and the chain of title for the debt never received it. Ive been disputing this company XXXX  years! Ive sent letters after letters. Removal of inaccurate invalidation XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit 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: GOLDMAN SACHS BANK USA (NJ)

In XXXXXXXX XXXX XXXX  I signed up for what I believed was an eligibility assessment to see what XXXX I qualified for with XXXX XXXX I believed that I would get XXXX month of enrollment at XXXX and then a quarterly charge of XXXX. Immediately after agreeing to an assessment I was charged XXXX, not the XXXX  that was advertised! I immediately asked for a refund and was denied so I contacted my credit card company who opened a dispute which they did not settle until XXXX! During this XXXX  months I was not given full access to the program as advertised and I requested a refund or credit to make up for the lost time and lack of service. XXXX XXXX denied my request stating Weve reviewed your request and will not be able to accommodate a refund, as our paid service is the medical assessment itself and not the outcome of the assessment ( per our Terms of Service at sign-up ). At this point I wasted XXXX and did not receive full service as advertised. It does not say on the website that they will charge XXXX  for a XXXX assessment it says If you want to chat with a XXXX provider, you can purchase a membership for just XXXX  for the first month, which gives you access to : Unlimited text-based visits with licensed XXXX providers XXXX Urgent Care without an appointment Flexible appointments for chronic condition management XXXX XXXX management and renewals XXXX XXXX XXXX and XXXX, including XXXX shipped to your door ( medication cost not included ) As always, no insurance needed, all on your own schedule. 
After your first month, youll automatically be enrolled in a quarterly plan ( which is {XXXX} each time ). Youre free to cancel until XXXX day before your membership renewal date. 

If you prefer, you can instead pay for a one-time virtual visit, which costs XXXX and includes XXXX week of follow-up chats. You can also download the XXXX XXXX app and use our smart Symptom Checker for free. I was denied access to full service between XXXX and XXXX because I disputed the charge. The credit card company provided no rationale for siding with the company. The company has a XXXX XXXX XXXX XXXX  They did no research and took XXXX  months to provide a resolution.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

please be advised this is the third written request and final warning that I fully intend to pursue litigation in accordance with the fcra to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 regarding your continued willful negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal law. You are required under the fcra to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly but have not provided a reasonable method of verification? I m requesting for the third time that you provide the method of verification you used. Your response should provide. The name of the individual business, address, and telephone number of the person or business contacted during your investigation. The name of the person who verified the dispute with the original creator. The documentation that used to verify dispute. To date, you have not provided me with a copy of any documentation ( hard evidence that goes all the way to the original creditor, not verification from a third party database ) furthermore, you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). In fact, under section 611 ( a ) ( 7 ) you required to provide a description of the reinvestigation procedure by no later than 15 days that included information as described in section 611 ( a ) ( 6 ) ( b ) ( iii ). please be advised that under section 611 ( 5 ) ( a ) of the fcra you are required to promptly delete all information which caint be verified. The law is very clear as to the civil liability and the remedy available to the ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend in this matter to enforce my rights under the fcra. I demand the following accounts be verified or deleted immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all hard inquiries.
Consumer complaint received 2024-01-13
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P. (PA)

As a consumer I have been violated and harassed numerous times from debt XXXX with threats of being sued in emails and phone calls several times a day. It has caused a lot of stress. Please have these debt collections removed, and in writing they will be receiving a letter of violations under a fair debt collections act. Items below are third party debt XXXX attempting to collect debt and harassing me with multiple email and threats of being sued, XXXX XXXX XXXX, XXXX XXXX XXXX, LVNV Funding LLC.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

A fraudulent credit card account was opened in my name and was charged XXXX dollars this account was opened on XX/XX/2021 and was unverified i would like for this account to be removed asap.
Consumer complaint received 2024-01-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (GA)

Rocket Mortgage Account # XXXX I escrow property tax and homeowners insurance. I changed to XXXX homeowners insurance XXXX XXXX Policy effective XXXXXXXX XXXXXXXX XXXX Annual premium sent to XXXX XX/XX/XXXX XXXX 
I had a fire loss on XXXX. I called to report the claim to XXXX and was told i do not have coverage as of XX/XX/XXXX XXXX 

From XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Rocket Mortgage showed on the rocket mortgage website for my account i had an XXXX XXXXXXXX XXXX. 
Rocket failed to notify me XXXX cancelled me home owners policy resulting in an uninsured loss on my property at XXXX XXXX XXXX XXXX, XXXX GA XXXX. 

XXXX has now placed insurance on my home effective XXXX XXXX  present.This policy does not cover personal property nor temporary housing.
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I purchased bitcoin on my Venmo account several weeks ago. After the purchase a XXXX XXXXXXXX dollars got transferred without my knowledge. Venmo froze my account on XX/XX/ and have done nothing to investigate, refund, or even let me to at least continue to use my account. I use this account to collect and pay rent, and have been unable to do so. Working with their customer service as well as their total neglect to the situation has been more criminal than the fraud that happened. This company needs to have a large scale oversight change and it's literally beyond shocking how a financial company this size is allowed to operate this way in todays world.