davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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. (NV)

I desperately need some help. I run a charitable 501c3 documents included. the website in XXXX my organization requires that my credit be ok enough to provide food, medicine and basic services in order to save veterans and wild mustangs. 

I have made multiple attempts to rectify late payment reporting with XXXX XXXX XXXX and not only did they do nothing they made a claim that a payment was not honored by my bank XXXX. I will include actual photos from my account with the date of payment being XX/XX/2023 for {$1000.00} which was withdrawn from my account. On XX/XX/XXXX XXXX XXXX stated that the payment was not honored. I then called them and went to XXXX to confirm that payment was made. This has caused be great stress and in fact I made another payment that day of {$450.00} on the XXXX of XXXX. I have also included proof. I ask that all late payment please be removed from my credit report and as of the time of this report I still do not have the original amount of {$1000.00} either credited to my bank account which paid the item on XX/XX/XXXX nor XXXX XXXX has credit the credit card account.
Consumer complaint received 2022-08-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (OR)

In XXXX I purchased a XXXX XXXX new XXXX XXXX through XXXX and financed XXXX through Westlake paid XXXX the rest of the amount. In XXXX the car was paid off DMV sent the title to Westlake after they received the title without it signed. DMV sent the title in XX/XX/XXXX Westlake has had the title since. In XX/XX/XXXX I was in a accident my vehicle was a total loss. I contacted Westlake to get my paid off car title and they say there is no record of me and that I applied for a loan but was not approved. The next time I called to get the title released to XXXX so I could get paid out for XXXX with both a rep from XXXX and myself on the phone they said this time they had absolutely no record of me. This is impossible because XXXX would of not sold me the car. DMV has them as title holder I know them as title holder and XXXX also has them as title holder. I have no vehicle no money and no title with no room to fix the problem. I cant work without a vehicle and I have no money to pay my rent and Im at risk for loosing my home this terrifies me being a single mom. I need Westlake to write a letter to XXXX to release my title so I can get paid for my total loss. I have the VIN and title number.
Consumer complaint received 2021-01-18
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. (SC)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

The Discover Account is reporting erroneously. The debt was fully forgiven and discharged, and yet the account is still reporting on my credit. This account needs to report a XXXX  balance or be deleted from my credit in its entirety. Please see the attached 1099C.
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After sending Certified Mail, Return Receipt Requested complaints to XXXX XXXX and the Small Business Administration that there were unauthorized credit inquiries made by their organizations on my TransUnion, XXXX, and XXXX  credit files, I received form letter responses and no action was taken. 

I then contacted TransUnion, XXXX, and XXXX  regarding unauthorized Credit Inquiries made by XXXX XXXX and the Small Business Association, and requested these unauthorized inquiries be removed. Again, I received form letter responses with no action taken or no response at all. 

I informed all the above parties that I wanted to see my written authorization granting them the right to make a credit inquiries, and no corrective action was taken.
Consumer complaint received 2021-01-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (FL)

This agency says that it charges on behalf of XXXX and I have no debt with XXXX, since I was never answered the call from costumer service or the calls were closed and the offer they offered was for a service, which I never had, therefore I am EXHED from debt. This information can be corroborated and investigated in my phone calls to the XXXX company, it can also correct the immediate attempt to return the equipment which was not accepted, all this can be proven through calls from my phone number to the company.
Consumer complaint received 2021-01-18
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. (NV)

I currently have several pieces of incorrect information reporting on my credit reports. I would like to have this information corrected and/or deleted so that it can stop negatively affecting my credit score. On my XXXX  report there shows a XXXX XXXX XXXX account which is reporting as a repossession, however, the car was never repossessed. It is also showing that after the alleged repossession the account was then paid on time for six months. However, my XXXX  report is reporting correctly in that it was paid and closed as of XX/XX/2014. This account should be removed from my XXXX  report for this inaccuracy and for the damage they have caused me over the last almost 7 years or even better to correct the account status to reflect paid as agreed and never late. My credit report also shows a collection account for XXXX XXXX. I never opened an account with this company and they have not provided me with any proof that I owe this debt. This account should be completely removed for being invalid. My report also shows an account with XXXX XXXX. I do not owe this account. I have requested documentation from XXXX to validate this debt and although they have sent me letters stating that they have received my request they too have not provided any evidence that I owe the debt. This account should be completely removed for being invalid. And finally XXXX  is reporting a debt from XXXX for {$19000.00}. This account is more than XXXX years old and should also be removed from my credit report for being past the statute of limitations. In addition, TransUnion and XXXX  are reporting inquiries that I never authorized and/or that do not have permissible purpose. I have attempted to contact the corresponding companies, however, they have not taken corrective action on my credit report. I am requesting the bureaus help in having this information removed from my credit report. Lastly, my reports show an address that is associated to a business address not my personal address and I would like to have all references of this address removed from my personal credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (NY)

These credit companies aren't respecting the laws of FCRA. I had an inaccurate and negative account removed from my credit report and it was reinserted without notifying me nor did they send the notification in writing within 5 business days of the reinsertion. This is in violation of 611 ( b ) ( ii ) and this needs to be removed from my credit report. The companies also aren't consistent with their reporting. I disputed an account and it was removed from one credit bureau ( Equifax ) for its inaccuracy and false reporting, but the other 2 ( XXXX  and XXXX  ) aren't removing the account. There are also unauthorized inquiries that are still reporting after numerous disputed attempts. Please help resolve these issues so I can start to build my credit and work towards getting my family a house. This is unfair. Attached are the letters Ive sent to the companies, well over a month ago, along with my ID and proof of address for identity verification.
Consumer complaint received 2018-01-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

In XXXX XXXX I bought a house and made a mortgage agreement with XXXX XXXX XXXX. Ever since I made a recurring payment instruction to my XXXX XXXX XXXX against the monthly mortgage amount. The payment was done smoothly every month with no problem. In XXXX XXXX The loan has been transferred from XXXX XXXX XXXX to XXXX XXXX They advised us while we were on our vacation overseas. Our monthly payment continued to go to XXXX XXXX XXXX which they supposed to transfered back to XXXX during the transition period. XXXX XXXX XXXX already did that but XXXX did not reconcile the account immediately and took some time to do so. When we got notified with the problem on our return, we made extra payment and sorted the problem. We have asked XXXX to draw their complain about late payment from our side. We have proven to them that money has been transferred from our bank in regular base and it is not our problem. XXXX agreed and supposed to fix their claim against late payment from our side. Apparently XXXX did not withdraw the complain from their side. hence the credit report has been negatively affected without any legitimate cause.
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/.
Consumer complaint received 2018-01-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BBVA FINANCIAL CORPORATION (CA)

On X/XX/2017 I opened a Certificate of Deposit ( CD ) account with XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. At the time of opening this account, the bank Assistant VP, XXXX XXXX, told me that the rate of the CD was 5.25 % and I could open a cash secured line of credit ( LOC ) for the same rate of 5.25 %. 

He told me this in order to encourage me to open the CD account, as I thought my money would earn interest and I still would have access to the same amount of money in the LOC account with the same interest rate. I thought that was a very good idea to do that. 

A week after I opened the CD account on X/XX/2017, On X/XX/2017, XXXX XXXX sent me an email saying that he had quoted me an incorrect interest rate, and instead of 5.25 %, my interest rate was only 3.24 %. 

I was very upset about this situation, and at that time, I wanted to terminate my relationship with the bank. However, I thought I was stuck since I had already opened my CD and if I wanted to pull my money from that account I would have to pay penalty. XXXX XXXX did not advise me that I could have closed the CD account without any penalty upon the disclosure of the correct rate. 

Recently, as I am trying to close this CD account, the bank refuses to do that unless I pay them a hefty penalty. I have involved the bank escalation process and they have talked to the regional manager, but the bank still refuses to close the CD account without penalty. 

XXXX XXXX XXXX is a fraud and he misrepresented the true rates of the CD and LOC to me back in XXXX 2017. Once that he had me locked down with the CD, he changed the interest rate. He made sure I could n't move my money and then he changed the interest rate.
Consumer complaint received 2021-01-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MA)

I made a settlement arrangement with Chrysler Capital on XX/XX/2020 a charge off for a car loan that I was a co-signer on. They agreed to settle the amount due to {$2400.00}. I paid them {$1000.00} ( via debit card ) on XX/XX/2020 and I have a copy of the agreement. I received communication from them immediately when I paid the {$1000.00}. On XX/XX/2020 I paid the difference ( via debit card ) of the amount owed which was {$1400.00}. 

I asked for documentation to show that the account has been settled and paid in full. They are stating that it could take up to 30 days to receive a receipt showing it's paid. I don't understand this as I received a receipt right away for the first payment. It is not a check that has to clear. It was taken out of my checking account. 

The chargeoff on my credit can not be removed without the letter from them stating the account has been settled and paid. I am being evicted from my home because my landlord is selling the house. I am trying to buy my own house but am unable to because of the chargeoff on my credit report. I need the letter showing it was settled/paid to get it removed. 

THis action on Chrysler 's part is affecting me. Please assist.
Consumer complaint received 2021-01-18
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. (CO)

I have on three separate occasions asked XXXX, XXXX  and Experian verify some information that is reporting on my Credit bureau in regards to a XXXX  account on my bureau. Each time they all said it was verified and when I asked for an investigation I received no response. I have since contacted the original Creditor XXXX  and everything reporting in my bureaus is completely different than what the creditor sent me. I intend to sue if the information on my bureau is not updated or completely deleted from my bureau. You did not investigate this properly.
Consumer complaint received 2021-01-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC. (FL)

I am writing in today since I am so upset by this. I had an account with Ally Financial Account # XXXX I had extended the lease for two months making the additional two months payments without any issues. Once the vehicle was returned I got a bill of {$1000.00} for every day the lease was not given back claiming that a document was never signed for the extension. I argued back and forth yet I wasn't getting anywhere and didn't want this to impact me anymore I agreed to a settlement yet was never informed the impact it will have on my credit report. 

They should have never taken the monthly payments for the lease. How does it work a bank just takes funds without allocating them. Also when they agreed to take my money yet again they failed to inform me the impact it will have even tough it is completely false information which is being provided.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AZ)

I have spoken with XXXX and they have informed me that they are working directly with me. I was told that this company shouldnt be contacting me anymore about this issue. The problem is I have never heard of this company before. I seen it being reported on my credit reports and thats when I was already speaking to XXXX about this situation. I want this company to stop reporting falsely to my credit reports as I do not owe them ANYTHING.
Consumer complaint received 2016-06-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (GA)

The company is reporting inaccurate info and have failed to validate the alleged debt I am a victim of identity theft. Some one have obtained services using my name ... I am working to identity the effects of the identity theft and to remove incorrect information from my files. Your institution not only has a responsibility to maintain accurate records.I have disputed the bill several time and sent request for validation with no response.Since you have refused to validate and moreover the debt is not mine, i am requesting that you delete this info from my credit report.This is really driving me nuts, i am not this person and you keep reporting it.If you don remove this info, you leave no option than to sue the company because this frustrating.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

Experian has performed an investigation by adding names instead of admitting their report is inaccurate, the social security administration in 2005, after realizing that they assigned XXXX likewise named individuals with the same social security number redesigned my name, instead what Experian has done, is make me subjected to multiple reporting of items and creditors which are n't mine, to include a host of public records, knowning on the basis of name identification is n't mine, but instead of admitting error, they add the name which does n't even verify to my social security number, and then state they investigated the item, and verified its mine, knowningly that that statement is false, and they have added a name to my credit report to support their statement. This is the eighth time that this error has been corrected, and they continue to perform in the same manner as previously.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My name is XXXX XXXX. I am a resident of XXXX, Massachusetts for thirty years. For the past thirty years, I have worked so hard to always hold my best credit scores and clean history. I have also been a loyal and excellent customer to Bank of America ( BOA ) for the past thirty years. There has never be anything like this happened in the past.

I had asked the representatives at BOA long time ago to set up the alert system in my credit card account for the fraudulent protection. And BOA had set up the alerts for me. And if there are three or more charges occurred consecutively in my account, BOA shall deny the charges and notify me immediately through phone messages. And in fact, there were few occasions that my own charges were denied due to frequent activities in my card. NO DOUBT that I was very confident for the protection provided by BOA Company. 

But on XX/XX/2020, I was surprisingly find out that there were a total of 11 unknown items charged into my account from XX/XX/XXXX-XXXX, TOTAL amount : {$420.00}, but I have not received any alerts from BOA AT ALL ! 9 of the 11 charges were made on XX/XX/2020 consecutively at different local fast food companies at the times while I were busily working. I called BOA immediately, and they first have issued a credit for {$340.00} on XX/XX/2020. But later on XX/XX/2020, they have reversed the credit, and hurtfully blamed me for making all the fraudulent charges. I then appealed to many different BOA personnel for so many times, including the Managers, but the issues have never got resolved. BOA has played the games with me by asking me to find the proof from the merchandise companies. But the merchandise companies have directed me to talk to the BOA, because they could not possibly go back to their original purchase records. I have finally realized that BOA has never been sincerely to resolve my fraudulent issues, instead by easily making a case to blame and against the fragile customer like me. 

BOA know that they are responsible for providing the protection for their consumers! And they have failed to send any alerts for 11 so obvious fraud charges, something is wrong with their system. I have already terminated my credit card service with BOA. As a consumer, I only have the responsibilities to pay for what I have spent, but not for the fraudulent charges. It is BOAs responsibilities for watching over their customers account! I was so desperate and can only file the complaint with CFPB. I herewith ask you to please help to resolve the issues and to protect my credit reputation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-18
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. (TX)

XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX THIS INFORMATION DOES NOT BELONG TO ME AND SHALL BE DELETED IMMEDTIAELY! ALONG WITH ANY INQUIRES WHICH MAY HAVE OCCURRED!