davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (TN)

I bought a car from American car center in XXXX tn XX/XX/XXXX it was a XXXXXXXX XXXX XXXXXXXX white i got the car just started a new job and stuff trying to get on my feet. Around XXXX XXXX something like that when i made my last payment they closed couldnt get in touch with nobody couldnt log in my account or nothing. The phones was off just couldnt get no one. So around XXXX or so XX/XX/XXXX they came and towed my car didnt know who these people were or nothing. I lost my job my kids couldnt get to school nothing no transportation i just moved to XXXX tn as well new life start. I lost everything bills still coming in no help at all, still without a car. My last payment was XXXX i was paying XXXX every XXXX weeks i paid XXXX in all or XXXX money lost. And they want me to pay XXXX to get the car back I dont even know where the cars at. I called westlake they are so rude, they breached the contract I dont know these people at all.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I can't login to my Experian Online Account. Experian customer support requested to send all my identification documents. I sent it through mail on XX/XX/2023 and according to USPS tracking number they received my letter with the documents on XX/XX/2023 ( see attached ). 

As the issue has not been resolved, I called to Experian again on XX/XX/2023 and was shocked when they lied to me saying they did not receive the documents.
Consumer complaint received 2023-10-19
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. (GA)

trying to buy a house and realize that I had some damages on my credit report. I have disputed this several times with XXXX, XXXX and Experian, with no avail. according to the 15 USC 1681 law there should not be any damages on my credit report. Experian has a XXXX XXXX collections account listed twice with the same account number, but two different amounts with two different open dates. How is that possible? one amount is for {$5600.00} with an open date of XX/XX/2019 and the other is for {$1300.00} with an open date of XX/XX/2019. XXXX has only one listed with is {$5600.00} with an open dated of XX/XX/2019. XXXX does not list the unverified debt at all. This is a violation of the 15 US code 1681i ( 5 ). Removal of inaccurate and unvalidated information. XXXX has deleted these accounts.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (WI)

Today, XXXX XXXX, I am unable to access my pension account from my bank. {$2200.00}. They closed the savings account that the pension normally went into, and they are holding my money, and will not give it to me because it is in a closed account. I need to buy food, get gas, and pay bills. I am in no position to wait, like they are saying have to. They caused this problem and now they wont give me my money. This bank is XXXX.
Consumer complaint received 2023-09-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Original Amount Owed : {$1000.00} Date Assigned : XX/XX/2023 Status Date : XX/XX/2023 Status : UNPAID I am writing to formally dispute the validity of the debt associated with Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which you are attempting to collect on behalf of XXXX XXXX. According to your records, the original amount owed is {$1000.00}. I want to clarify that this collection account is not mine, and I request its immediate removal from my credit report and any further collection attempts. 

My dispute is based on the following grounds : 1. **Identity Theft Concern** : I have never had any financial dealings with XXXX XXXX or incurred this debt. Therefore, I believe that this account may be the result of identity theft or a reporting error. 

2. **Consumer Disputes** : As indicated in the account comments, it is stated that " CONSUMER DISPUTES THIS ACCOUNT INFORMATION. '' This demonstrates that there is an ongoing dispute regarding the accuracy of this debt. 

3. **Laws and Rights** : Under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws, I have the right to dispute the validity of a debt and request verification. I am also entitled to ensure that any inaccurate or unverifiable information is removed from my credit report.
Consumer complaint received 2019-11-19
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-09-27
Product: Credit reporting 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)

Hi, i am XXXX XXXX, i am requesting verification/investigation and disputing the below inquires from my credit file and credit report. I never applied to these lenders and all of these lenders did not have permissible purposes to pull my credit report. Their practices have been unfair deceiving and they have had unequal bargaining power. I applied to one car lender and that was XXXX. I dont understand how every other lender was able to pull my credit report off of that XXXX credit pull from XXXX XXXX am aware that all of these inquiries should have only been treated as XXXX credit pull, meaning only one inquiry should be reported/reporting. 
I am requesting that you all provide the certified Uses signed by me that shows exactly why the lenders would be pulling & using my credit and that it is signed by me and that they had permissible purpose to do so. Provide this immediately. Please also provide a certified original of my permission & consent. And lastly, Please delete all the below inquiries from my credit file and credit report immediately. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX ( total of XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( total of XXXX inquiries ) All other inquiries on my credit file and credit report. 


Please note failure to do the above requested will severely damage as i have been unable to obtain future credit because of those inquiries.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-19
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: DISCOVER BANK (WA)

I ordered a service from XXXX XXXX on XX/XX/. The price that it showed was XXXX XXXX, which is approximately XXXX USD. However, they actually billed me XXXX USD, which is way much higher then. Therefore, I would like to dispute the difference because of exchange rate error, which is XXXX USD. 

I managed to contact the merchant, however they refused to admit they have a pricing error or currency error, and they insist that I used USD as currency of purchase, which is not the case. From the screenshot that I attached, I clearly used ARS as currency of purchase. Therefore, I would like to make that dispute.

I also managed to dispute with the credit card company, Discover Bank. I submitted a dispute on XX/XX/XXXX XXXX They rejected my dispute on XX/XX/, and mentioned they will send the information given by the merchant to me. However, they never send that information to me. Therefore, I would like to continue to dispute the difference because of exchange rate error, which is XXXX USD.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (TX)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : TRANSWORLD SYSTEM INC Account Number : XXXX The account referenced above is fraudulent and does not belong to me ; XXXX XXXX XXXX XXXX The contract that was signed holds the signature of an individual by the name of " XXXX XXXX XXXX XXXX '' Please cite the documentation uploaded to verify this as well as my driver 's license. The signature on the contract and my license do not match. I'm 100 % sure that this was a fraudulent act committed against me. I'd also like to bring to your attention that all the names referencing this account are different across all three reporting agencies along with the payment history. Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I previously submitted several disputes with Equifax regarding these inquiries, and after investigations, I received responses indicating that Equifax refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for them to access my credit file. 
I believe it is essential for me to receive this documentation as it is my right to verify the legitimacy of these inquiries. Without this proof of authorization, I insist that these inquiries be promptly removed from my credit report, but Equifax consistently refuses to remove them and to provide me with documentation from the creditor. Equifax customer service representatives stated that they do not provide documentation from the creditors. I asked how they verify that what they are reporting is accurate, and I was told they rely on a response from the creditor stating it is valid but no documentation. They are violating my rights. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 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 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.

with this violation occuring It has created hardship with me being able to utillize my credit report to get approved for housing, I havent been able to get the best rates on auto loan to purchase a car causing issues with finding jobs in my area that require traveling. Im not able to apply for major credit cards to start funding a business this has me in a financial hold. Not being able to apply for personal loans to help pay bills such as medical, rent, utilities.
Consumer complaint received 2023-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION (TX)

I requested a payoff letter. I received the pay off letter and processed the payoff accordingly with my credit union and a check was sent off. Some one called me during work hours when I was in the middle of a shift and said they received the check. I let them know they would need to call me back. They never called me back and I have gotten the run around while the pay off amount keeps getting bigger. They will not apply the payment and this is a part of a debt consolidation.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi, I applied for Capital One Venture X credit card by mid-XX/XX/2023 and I received an email on XX/XX/XXXX to upload my documents by validating my login using my SSN, when I tried logging in with my my SSN it didn't successfully validate it and I tried reaching their Customer service phone even during which my SSN validation was unsuccessful after several minutes a rep answered my phone and told me to mail the documents ( Passport copy and DL copy ) to a po box , which I did by spending almost {$20.00} for mailing cost. 

On XX/XX/XXXX, I received a confirmation email from Capital One that the document were received and they are processing it. On XX/XX/XXXX, I called Capital One customer service ( with unsuccessful try with my SSN validation over the phone ) and was able to connect with a rep to get a status that they received my documents but no processing has happened at the back-end, which she was going to escalate. 

After two weeks on XX/XX/XXXX, I called Capital One Venture X credit card customer service to check the status ( again with unsuccessful try with my SSN validation over the phone ) and after 40 mins of wait time a supervisor told me that my documents were not clear for processing, i should mail them again for processing, which really frustrated me for two reasons ; 1. Capital One did not notify me that my documents were not legible and I had to call them. 

2. I'm sure, I sent clear documents and why would they not process it. 

I told them, I can not spend another {$20.00} for mail of documents which am afraid they would again say it wasn't clear and I don't have any option to send fax so I requested that whether I could drop my documents at one of their branches, to which the supervisor said they don't process the documents in a Branch. 

This was quite wiered response and I felt that Capital One is doing a scam on Credit card application processing with consumers and they are also making the consumers liable with unnecessary credit check hit on SSN ( which they've already did on my SSN back in XX/XX/2023 ). 

Attached email confirmation from Capital One on my document upload has my application number. 

Pls contact me for further details and kindly take necessary steps to resolve this issue and save consumers from these kind of scams from Capital One credit card. 

Thanks, XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX 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 2023-10-19
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX 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.