davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

I currently work for XXXX  of XXXX  and XXXX Arizona, when payday comes I go to the nearest ATM to withdraw money to give to my sister for rent as I am Currently living with her, I pay {$260.00} in rent and every time I go to the ATM I am immediately gouged for withdrawing money and I don't understand why. the date that this happened today XXXX
Consumer complaint received 2023-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (CA)

I was sold a faulty vehicle by XXXX XXXX XXXX on XX/XX/23 and paid a {$4000.00} down payment. My husband and I applied for the vehicle and it ended up in only his name and our business. The first time Westlake financial ever called the registered number on this account, the agent was confused and apologized because as he said " our accounts are not allowed to be business numbers '' they also would not discuss any details with me without my husband. I advised the lending institution Westlake financial of the details the first week of XXXX after I already had the broken down vehicle at the mechanics and a diagnosis and quote in hand. 
After sending in my complaint with all of the documentation the lender requested ( including mechanics vehicle diagnosis and estimate ) and repeated requests to at least have my complaint acknowledged and the account reviewed. They failed to do so. Never called, emailed, or even acknowledged. If i call they give me a run around for hours and do not give me any relevant information on my account, or any resolution whatsoever. 
Despite getting a loan I have not been able to drive my financed vehicle for even one full day in the past 3 months. The vehicle died while being driven on the freeway and less than 50 miles after being taken off the lot. 
Westlake financial has now impounded my dead vehicle and notified me that I broke the contract and have encumbrances and a lien on the vehicle which gives them the right to sell it within 10 days. The loan account has been paid and up to date for this entire time, not one late payment. I have also maintained 1 million dollar insurance coverage on the vehicle this entire time even while the lending institution has possession.

What do i do as a consumer when I have been taken advantage of from day 1?

The dealership is already currently facing a lawsuit and 2 bond resolutions.

This lending institution for being non-responsive and dismissive to their customers deserve the same. They have all of the necessary documentation they wanted and needed from the beginning and have failed to do anything with it or hold their client XXXX XXXX responsible for fraudulent behavior.
Consumer complaint received 2017-11-06
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: Experian Information Solutions Inc. (IN)

I FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.
Consumer complaint received 2017-11-06
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. (CA)

As per the FCRA, I am requested the method you used to verify the accuracy of account, they did not disclose the method or send me any evidence of verification of the account they have on file. They ignored my request and just sent me a letter saying it has been verified.
Consumer complaint received 2023-06-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I called the credit reporting agencies and let them know the debt collection in the document included below are not suppose to be visible on my consumer report. 


XXXX XXXX XXXX - XXXX XXXX {$10000.00}
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (CA)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

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.
Consumer complaint received 2017-11-06
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: AmeriCollect (FL)

Americollect received my dispute that was sent certified with a return receipt on XXXX/XXXX/XXXX ( see attached ). I specifically requested that this company provide me documentation that reflected I indeed owed the debt they were alleging, provide documentation that bore my original signature, copies of all invoices, receipts, and summaries for this inaccurate, unverifiable entry they are reflecting on my credit reports ( see attached ). Additionally, since Americollect is a 3rd party collection agency and is attempting to collect on behalf of a healthcare organization ( see attached response from Americollect ), they are required to ( based on HIPPA ) to have documentation on file and provide that upon request whereby I gave the healthcare organization the authorization to share my information with this company. To date, Americollect has not provided any documentation to substantiate the alleged charges other than a mere letter that they typed on their letterhead ( see attached ). This entry 's reporting is in violation of my consumer rights and therefore should not be reflected on any of my bureau reports.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Demand for Corrective Action, Pay for Deletion, Removal of Unauthorized Inquiries, and Release from Special Department Dear Consumer Financial Protection Bureau, I, XXXX XXXX, urgently seek your intervention to address multiple concerns regarding my credit report held by XXXX XXXX XXXX. Firstly, I demand the immediate correction of a collection that I legally do not owe. The payment for this collection was coerced, and it must be reflected as resolved with a pay for deletion arrangement. Secondly, I request the swift removal of unauthorized inquiries made by XXXX XXXX XXXX XXXX  and American Express from my credit report. 

Moreover, I kindly request the release of my file from XXXX 's special department, as it is hindering my ability to address these issues effectively. 

Your prompt action in resolving these matters and ensuring that XXXX takes corrective measures is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-05-04
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. (IN)

I have been a victim of identity theft. I have reported this to XXXX several times and they wont remove the following items XXXX XXXX and XXXX XXXX XXXX. 
I have sent in police reports and Identity theft affidavit. They will not remove.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (PA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$3300.00} Account # XXXX
Consumer complaint received 2023-07-24
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. (NV)

I sent a letter last XX/XX/XXXX to remove the following negative items listed in my file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00}
Consumer complaint received 2023-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Williams and Fudge, a debt collection agency, regarding an unauthorized disclosure and claim of a debt that I do not owe. I was contacted by the company, and to my astonishment, they appeared to have access to my personal information, the procurement of which remains a mystery to me as I have never willingly or knowingly provided them with such details. It concerns me deeply that my private data is in their possession without my consent. 

Furthermore, the agency has been attempting to collect a debt they allege I owe. This accusation is false and baseless. To my knowledge, I have not incurred the debt they are asserting, and I have not received any valid proof of this obligation from them, which infringes upon my rights under the Fair Debt Collection Practices Act ( FDCPA ). This experience has caused significant distress and inconvenience as I have been forced to devote my resources to refute a debt that is unjust and fictitious. 

Given these circumstances, I request the CFPB 's assistance in investigating this matter. The practices employed by Williams and Fudge in this instance seem to infringe upon my consumer rights, and I am deeply concerned about the potential ramifications this could have on my personal and financial wellbeing. 

Thank you for your time and consideration. I hope for a swift and fair resolution to this matter.
Consumer complaint received 2023-06-22
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. (CA)

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. 

Account name : XXXX XXXX Account numberXXXX 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 2023-07-24
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. (PA)

On XX/XX/2023 I sent a Certified return receipt letter to XXXX XXXX reporting agency ( See attached document ) regarding two unauthorized hard inquires on my credit report. The two unauthorized hard inquires are from : XXXX ) XXXX XXXX XX/XX/2023 XXXX ) XXXX XXXX XX/XX/2023 On XX/XX/2023 I sent a Certified return receipt letter to TRANSUNION Credit reporting agency ( See attached document ) regarding four unauthorized hard inquires on my credit report. The four unauthorized hard inquires are from : XXXX ) XXXX XXXX XXXX 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 2024-10-18
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. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX  assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX  Account number : XXXX Balance : {$4500.00} XXXX  Account number : XXXX Balance : {$1500.00} XXXX XXXX XXXX Account number : XXXX Balance : {$510.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account number : XXXX Balance : {$480.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Balance : {$4500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Balance : {$1500.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account number : XXXX Balance : {$1200.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Balance : {$2100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance : {$510.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX Balance : {$110.00} XXXX  Account number : XXXX Balance : {$480.00} XXXX  Account number : XXXX Balance : {$0.00} XXXX  XXXX Account number : XXXX Balance : {$3000.00} XXXXAccount number : XXXX Balance : {$1500.00} XXXX Account number : XXXX Balance : {$0.00} XXXX  Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$1900.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$19000.00} XXXX  Account number : XXXX Balance : {$1900.00} XXXX Account number : XXXX Balance : {$1700.00} XXXX  XXXX Account number : XXXX Balance : {$570.00} XXXX  Account number : XXXX Balance : {$2100.00} XXXX  Account number : XXXX Balance : {$1200.00} XXXX  Account number : XXXX Balance : {$1400.00}
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (RI)

XXXX. In the month of XX/XX/2022 i made 7 transactions of same amount {$1500.00} and one of {$1000.00} to purchase my XXXX package from XXXX ( Package provider ). 
Because of the high value international transaction my card was blocked as a result bank replaced my card. 

XXXX. The XX/XX/2022 statement reflects all the transaction including BALANCE TRANSFER due to replacement CARD and shows the NEW BALANCE = {$12000.00} XXXX. On XXXX XX/XX/2022 i made full payment of - {$12000.00} to paid off last statement balance XXXX. Since my trip was canceled by the provider, they made refund of {$11000.00} on XX/XX/2022 and XX/XX/2022 XXXX. On XXXX XX/XX/2022 i received Refund check of {$11000.00} from the bank against my request XXXX. All the above activities ( 2-5 ) reflects on the statement of XX/XX/2022 and shows the NEW BALANCE = {$340.00} XXXX. I was using my card as usual and everything was fine until XX/XX/2022 XXXX. In the month of XX/XX/2022, i suddenly found an entry of " BALANCE TRANSFER XXXX GA '' with the amount of {$1500.00} in the transaction detail section. Then I went through all my statements since XX/XX/2022 ( as available in the portal ) very mindfully but did not find any reason or evidence to justify this balance transfer. 

XXXX. I started talking to the bank and asked them to explain me the scenario, however, no one was able to explain anything rather than transferring the call from one department to another department. In the mean time fraud department again initiated a card replacement process. 

XXXX. Then on XX/XX/2022 i found another ( 2nd one ) entry of " BALANCE TRANSFER XXXX GA '' with the same amount of {$1500.00} on top of the previous balance issue XXXX. Then after a lot of phone call one Custome Service Representative was able to understand that this balance transfer is not valid as because there is no such evidence in the past statements. He then initiated a process for adjustment and on XX/XX/2022 i found 2 adjustment happened. 

XXXX. I was so happy as the issue was resolved, but then on XX/XX/2022 i found again another ( XXXX XXXX ) entry of " BALANCE TRANSFER XXXX GA '' with the same amount of {$1500.00} has come. 

XXXX. I started calling the bank again but there is no resolution. At one point they asked me to wait for the next bill cycle that may resolve the issue but nothing happened rather the bank started charging me interest. 

As of now i am not getting any further cooperation from the bank therefore seeking your help to save me from this huge personal liquidity damage. 

On the other hand, if i really owe anything from bank then i will for sure pay off the amount instantly.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I AM A VICTIM OF HUMAN TRAFFICKING, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.