davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (TX)

Westlake Direct will be recognized as ( The Company ). According to the consideration of the contract, the consumer was required to provide any billing error resolutions before westlake direct in lieu thereof westlake finance in which the billing statements are subject. A Consumer Credit Contract as to extending a line of credit was issued between XXXX XXXX XXXX XXXX and Westlake Direct , LLC ( WLD, LLC ) on XX/XX/XXXX, under loan and account XXXX. The Contract substantiates that the Consumer was issued as credit extended for a XXXX XXXX XXXX for personal, family or household purposes in which a cash advance would be issued before the consumer in return for the finance charge included within the contract as a purchase money loan which is applied, in whole or substantial part, to the purchase of goods or services from the seller ( XXXX XXXX ) who is affiliated with The Company via contract/ business arrangement. On XX/XX/XXXX, XXXX am, the consumer paid off the debt, paid as agreed, according to the contract by submitance of a registered security instrument ( XXXX ) i.e.- check tender of payment, of the companies indenture trustee XXXXXXXX XXXX XXXXXXXX and on XX/XX/XXXX, XXXX am, the companies indenture trustee received a registered bearer security instrument w/ proper endorsement before The Companies indenture trustee of XXXXXXXX XXXX XXXXXXXX XXXX which the consumer would receive payment of past, current and future billing so long as the contract is in place of the active account associated with the contract. 
On XX/XX/XXXX, XXXX am via registered mail XXXX Vice President XXXX XXXX Of Westlake Direct received the consumers billing error notice from having reviewed the billing error statement dated XX/XX/XXXX. The Company had been provided the necessary data in which exhibited the registered securities ( instrument ) that were to be [ ing ] processed via their indenture trustee in which the debt was paid as agreed and the consumer would be extended credit for past, current and future payments from the companies account via consumers Treasury Direct Account ( TDA ) as instructed via The Companies Indenture Trustee of XXXXXXXX XXXX XXXXXXXX. The Company was provided adequate and timely notice within 60 days of the billing statement in which the Notice demonstrated that 1. A reflection on a statement of an extension of credit which was not made to the obligor & 2. The creditors failure to reflect properly on a statement a payment made by the obligor. The Company had until XXXX XXXX in which to respond to the billing error notice and is in noncompliance of Fair Credit Billing Act ( FCBA ) as codified in 1666, subject to forfeiture of disputed amounts as prescribed inSection 161 ( e ) of the Truth in Lending Act ( TILA ) and a violation of section 130 of the Truth in Lending Act ( TILA ).
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CA)

This account is invalid BARCLAYS BANK DELAWARE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 
BARCLAYS BANK DELAWARE XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (GA)

Ive disputed information on my credit report over 100 times over the last year and 2 months. I have provided a police on XX/XX/XXXX, XXXX ive provided several identity theft reports, and also have provided my credit report from other companies showing the inaccuracies present ob my credit report. 

XXXX XXXX XXXX Account # : Balance : {$43000.00} ( Identity theft ) This is a personal loan I never agreed to and have no knowledge of it was deposited into a fraudulent account that XXXX XXXX  closed down. Also the company sold the debt to XXXX XXXX XXXX XXXX, even though they provided no evidence the account was mine. Ive requested evidence for 8 months. 

XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$9200.00} This account was paid by my Gap insurance so amount of XXXX is incorrect. the true amount was XXXX. The incorrect amount has been showing on my credit report for 2 years now. even though the account was reported as income as XXXX XXXX XXXXXXXX via a 1099-C and paid through my personal taxes. its still being reported falsely on my credit report.
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service (PA)

Clark County Collection never mail no notice to the situation nor did I pay them or anything.

Clark county Collections had no legal right with this account due to I was delayed with XXXX  XXXX with the final bill and dispute with the account after moving to another state. 

The bill was resolved with XXXX  XXXX not Clark County Collections. 

XXXX XXXX replied back with some run around answer with has nothing to do with Clark County Collections being put on my credit report to the debt. 

I did not settle no debt with Clark County Collections admitting the debt to Clark County Collections as they place with Credit Bureaus nor any notice to dispute the said debt. 

My concern is not that it was paid it was not legal done by Clark County Collections When talking to XXXX  XXXX with the situation was told after we came to agreement Clark County Collections was not anywhere in the agreement of the debt nor paid to Clark County Collections.

after talking to an attorney about the debt.

There was no payment to Clark County Collections with the debt nor payment to settle with Clark County Collections legal of the said debt. 

My step after talking to an attorney is to file a lawsuit on Clark County Collections/ XXXX XXXX being by her Reply. 

Ther was no legal notice provided by Clark County Collections/ XXXX XXXX XXXX she stated. 

Clark County Collections violated legal rights with notice to the debt and I have phone records as to how many calls to XXXX  XXXX regarding the matter that they had all mess up after Relocating.
Consumer complaint received 2024-09-05
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. ()

An accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under act 15 USC 1681. 

XXXX XXXX, XXXX And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by 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 or the consumer, or modify that item of information.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-11-01
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (MI)

I use XXXX to monitor my credit. I got a hard credit inquiry from Montgomery Wards on XXXX. I did not try to open an account with them. I had no idea Montgomery Wards was still around. 

I want any accounts with my information closed and I want Montgomery Wards to remove the hard Credit Inquiry.
Consumer complaint received 2024-08-02
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-16
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. (MO)

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-03
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. (NJ)

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the late payments on my credit report under federal law. They had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   {$18000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$3500.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. Maybe even my dad since we have the same first and last name. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX,
Consumer complaint received 2024-09-08
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Tally Technologies (CA)

I began using Tally in XX/XX/XXXX to manage my credit card debt. Initially, they provided a lower interest rate ( 18 % ) than my existing rate, and from XXXX to XXXX, they delivered on their promises. However, in XXXX, Tally raised the interest rate to 22 %, which undermined their original offer of debt relief. Once linked, Tally would sometimes " buy out '' debt without explicit notice. While the option to turn this off may have been buried in the app settings, there should be more explicit permission given to transfer over $ XXXX worth of debt overnight. 

Recently, I was informed that Tally was going bankrupt, and my account was sold to a third-party collection agency. This company has locked in the higher interest rate and is now planning to report the debt to credit agencies, which will negatively affect my credit score. Additionally, they are charging new fees ( $ XXXX {$10.00} ) for every payment! 

Tally initially promised a way out of debt by not reporting to credit agencies and offering a lower interest rate. This abrupt change in terms feels like a bait-and-switch tactic that will significantly harm my financial standing. I had worked diligently to pay down my debt between XXXX and XXXX and would have cleared it entirely if I had known Tally would sell my account to a private debt collector with such unfavorable terms. Furthermore, the consumer reports for the new company seem to indicate poor administrative strategies, commonly resulting in incorrect numbers being reported or payments not being counted correctly and promptly. 

This experience has been a breach of trust, and I seek immediate resolution, including the possibility of canceling the debt. Many Tally users are in a similar situation. 

I look forward to your response. 

Thank you,
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-11
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)

I am disputing inaccurate reporting by XXXX on my credit report regarding Account Number : XXXX. They have reported late payments that I did not incur, violating my rights under 15 USC 1681 A 2 ( b ). 

I have attempted to resolve this with XXXX but received no proof of investigation or resolution. I request the CFPB to investigate this matter and ensure my credit report is corrected. 

Thank you for your assistance.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CBE Group, Inc. (FL)

CFPB ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX, XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I have no signed payment agreement with this company. Please stop collection efforts and remove from my credit report immediately. Show me a contract or remove report
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

To date I have been unable to reach ChexSystems via phone regarding the urgent removal of the freeze in my report. I am attempting to open a bank account and this must be removed urgently. I am advised that a PIN has been mailed but this matter is time urgent and Ive yet to receive this PIN. 

Further I must dispute items on my report and need to speak immediately to someone in senior management to do so. 

Kindly ensure ChexSystems senior management contacts me urgently at XXXX to ensure the removal of this freeze and dispute assistance. 

Thank you kindly.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (WA)

I requested for innovis and XXXX  to review my file never got an answer from both this was last XXXX called and said investigating but never got notification nothing suddenly my file got locked out and will not give me acess to it anymore send docs as the supervisor requested to both and nada I am fed up and need assitance
Consumer complaint received 2024-09-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2024, my online savings account with Wells Fargo bank was hacked. 
A man who identified himself as a employee of the fraudulent department of Wells Fargo Bank ( San Francisco main office ) proceeded to take me through the steps to recover the XXXX XXXX dollars ( my entire life savings by the way ). I followed the steps to recover my savings which of course involved ( the scam ) of transferring the money to XXXX XXXX. 
This incident occurred on a Thursday afternoon and shortly after making the transfer of money, I realized I had been scammed. The first thing I did was to show up at my local Wells Fargo bank ( 9am opening ) and report the scam thinking I could stop the scam within 24 hours ( whenever I pay bills etc. using my online account there is normally a 24 hour wait period ) Anyway, here is where this horrific situation takes an evil turn. Wells Fargo for their part told me I could only report the incident if I would agree that it was NOT BANK FRAUD. 
Seriously, Wells Fargo bank, this is how you treat a 30 year customer who just lost their entire savings ( XXXX XXXX ) For the record, I have tried repeatedly to seek help from Wells Fargo to no avail. 
I have home insurance, life insurance, health insurance etc. but who among us has bank insurance. Wells Fargo is the only one that can help me recover my life savings by declaring that this incident was bank fraud and using insurance to replace my money If you have read this far I beseech you to help me out because I have received absolutely no support whatsoever from Wells Fargo. 
At the very least, on line banking is now going to be a problem for people to be scammed out of their money and the banking industry must provide bank insurance for all customers who are using on line accounts Thanking you in advance for taking on my case, I can be reached at ( XXXX ) XXXX or XXXX XXXX
Consumer complaint received 2024-08-02
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. (NY)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 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 ( i ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.