davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (FL)

On XX/XX/2023 my car was repossessed, then Hurricane Idalia came and the following Monday I called to arrange payment and collection of my car, which I paid {$1000.00} on XX/XX/2023 and waited the requested XXXX hours. I called back after the XXXX hours was over on XX/XX/XXXX and was told that they would release my car, no one did so. I had to call back on XX/XX/2023 and was told that the release was not completed on XX/XX/XXXX and that they will do it now. It was released XX/XX/2023 and Westlake Portfolio management failed to send the hold notice on the car so that I could recover my vehicle they instead sent it to auction the next day.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (WI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion responded with XXXX XXXX XXXX investigation results dated on XX/XX/XXXX that TransUnion investigated the information disputed and updated it. The dispute letter I wrote specifically addressed the fact that TransUnion failed to enter the notice of Dispute from previous letters I sent them about false/inaccurate information. This violates FCRA Section 623 ( a ) ( 3 ) for failing to enter notice of dispute and this is pertaining to item " XXXX XXXX XXXX ''. 

TransUnion responded with XXXX XXXX XXXX investigation results dated on XX/XX/XXXX that TransUnion investigated this information and verified it as accurate when in fact it is clearly inaccurate. The date of Last payment says XX/XX/XXXX on TransUnion and XXXX says Date of Last payment is XX/XX/XXXX with the Date of Last Activity being XX/XX/XXXX but TransUnion says the Date of Last Activity is XX/XX/XXXX. THIS ACCOUNT HAS BEEN RE-AGED and Transunion continues to report INACCURATE information which is a VIOLATION OF FCRA SECTION 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) for reporting information with actual knowledge of errors & reporting information after notice and confirmation of errors. TransUnion also reported that this information was VERIFIED on XX/XX/XXXX. TRANSUNION ALSO VIOLATED FCRA SECTION 623 ( a ) ( 3 ) which is THE DUTY TO PROVIDE NOTICE OF DISPUTE. 

XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Had charges on debit card linked to checking account from XXXX totaling nearly XXXX. Called Usaa bank and reported fraud. Canceled card. Usaa issued provisional credit. They later reversed the credit based on ticket-masters response. I am now out nearly XXXX XXXX and they are unwilling to help. The evidence provided by ticket master clearly proves fraud as it is a fraudulent account from a city I dont live in and tickets were delivered to an email that is not mine.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-03-12
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. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I notice unknown, suspicious accounts. Please remove these accounts that do that belong to me from my report. There has been a identity theft. 

XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1400.00}
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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 XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a 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 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MS)

In late XXXX/early XXXX of this year ( 2023 ) my husband and I made a request to have PMI removed from our mortgage. It was followed with a denied request in the mail and we followed up with Lakeview XXXX to askabout our options for a BPO or appraisal. We have asked if we could have a third party complete either of these on our own since we have been yelled at and treated poorly by employees of the Lakeview XXXX and no longer trusted the company to hire a nonbiased party that would only offer fact over the company 's best interest. The company has stated that policy within Lakeview XXXX states that we must have either the BPO or appraisal completed through their company and paid to them for the third party service. We made a formal request for the written policy and date of initial policy being enforced. On XX/XX/2023 the representative started the formal request to have the written and enforcement dated policy sent through the mail to our listed address. We have yet to receive proof of said policy nor have we been treated as valued customers through the employees of the company.
Consumer complaint received 2023-03-31
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is ( still ) reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiry included in dispute : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

After reviewing my credit report, I noticed an account from XX/XX/2020, from XXXX XXXX XXXX, stating I had a balance of {$150.00} past due when the account was paid in full on XX/XX/2020. I contacted the credit company, and she stated she would make the credit reporting company know about the issue. It yet has been updated. This issue looks very bad on my credit report.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I have been more than patient and have tried to fix this issue multiple times with Equifax and no resolution has been done. As of XXXX XXXX a law suite against Equifax for the improper use and inaccurate information of my credit report has been filed. With my last complaint I gave Equifax 14 days to respond and they ignored that request. Equifax has been subpoenaed as of XX/XX/2023.
Consumer complaint received 2023-03-31
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. (NY)

I have attempted to dispute incorrect items with Experian since XX/XX/2023. They continue to respond that they can not find my credit file. I have furnished all of the documents they have requested twice already, and still get the same response from them. I am pulling my credit report from them directly, have called their customer service # and the representatives can locate my credit report.

I am attaching a copy of everything that I have sent to them including the original dispute request dated XX/XX/2023. Please assist in getting Experian to do their duty to investigate these discrepancies. 

This is causing me extreme anguish, XX/XX/XXXX, and countless other issues in my day to day life.
Consumer complaint received 2023-03-31
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)

Ive submitted this complaint 3 times CFPB & XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXX and TRANSUNION with FTC Fraudulent report support my position. It seems XXXX and TRANSUNION are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the account removed/blocked per 605b with the attached documents again. Thank you INQUIRIES : XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$490.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}
Consumer complaint received 2023-03-31
Product: Credit card or prepaid 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: Klarna AB (CA)

We reached out with Klarnas customer service ( XXXX ) for a bill dispute on XX/XX/2022. Regarding about a purchase that was billed on my credit card. It was an online purchased worth {$1600.00} from XXXX XXXX on XX/XX/2022. The XXXX XXXX XXXX was unable to meet our expectations. We canceled our order on XX/XX/2022 due to product not received. We are informed by XXXX XXXX XXXX XXXX Customer specialist to dispute it with the bank. At the very same day is the day we reached out to Klarna. As they reviewed our request XXXX a Resolution Specialist of Klarna. Concluded that it has to be a 120 days from the date of purchase. As you can see from the email conversation was dated on XXXX XXXX, 2022. Its still less than a 120 days from the time of purchase. XXXX XXXX stated through an email to dispute it with our bank to get refunded. I did my part to dispute it in a timely manner that is less than 120 days from the time of purchase. As customer paying with a credit, I am relying with full confidence to Klarna as the credit card company of my choice to mediate this issue. But unfortunately, I have been turned down and disappointed by Klarnas decision.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a survivor of XXXX XXXX. The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of XXXX Pursuant to 605XXXX of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related there to ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within five business days ( see 12 CFR 1022.142 ( f ) ).
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (FL)

I sent the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$5700.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00}
Consumer complaint received 2023-03-31
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. (FL)

I received a copy of my credit report and I have found the following items listed below to be in error. 
XXXX XXXX -ACCT # XXXX Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave you, OR ( XXXX ) any written instruction to furnish any information on my consumer report, which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices mentioned above. The account listed below has a late or missed payment status that is incorrect. This account was NEVER late and should be listed as PAYS or PAID AS AGREED. Please furnish any proof of verification of this alleged late payment that you have. If no proof is attained and sent to me, please remove said late payment. 

I was never late on ( XX/XX/2022 ) on this account please update the account as Paid/Current. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and documentation proving that I am or have been late. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

Hello and Good Day ; Re : Care Credit Account Synchrony Bank XXXX I am filing a complaint due to the fact that the XXXX XXXX XXXX retailer located in XXXX Ny, who promotes this credit card did not disclose the details of this credit card fees and interest. i was informed without a doubt that i will only be charged interest on the remaining balance after the 12 months of making payments interest free expired and if there was any remaining balance i would pay interest after that. However, Care Credit/Synchrony Bank charged me a cumulative amount of {$370.00} that was retroactive for the 12 months that i was to not pay interest as a caveat to opening an account with them. In XX/XX/XXXX, they charged me the said amount of XXXX Today, XX/XX/XXXX, i made a final payment of my remaining balance with the exception of the interest they charged me erroneously equaling {$370.00}. Today, I closed the account with Synchrony Bank and paid {$760.00}, which was the balance without the over charge fees previously mentioned. I attempted twice to resolve the issue with a Synchrony manager and was informed twice they would not waive or take off the {$370.00}. i informed them that i would contact XXXX, XXXX, which i did and was advised to contact the FTC. I kindly ask for your assistance on this matter as i feel i as a cosumer was misled to believe one thing and never given proper information of what could happen once the year is over. That is misleading a consumer just to benefit their company or store. I am appalled that this happens. i received no calls, messages nor letter that i would be charged. I made automatic payments monthly and was handling account as paperless. i believe my recent credit history has shown that i have worked hard to repair my credit over the years and do not want to lose the positive growth i have worked on. Please rectify this situation and i provide FTC informed consent to remove further in investigating this matter and hope it is favorable to me. Thank You and enjoy upcoming holidays.
Consumer complaint received 2023-09-15
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am filing this complaint because I'm going through a stressful time due to Kohls , Inc. actions. I filed an arbitration case against Kohls , Inc., which is reporting the accounts involved in this matter. Kohls , Inc. has refused to arbitrate the matter thereby violating the contractual agreement. Kohl is committing unfair practices with its customers.

I request an investigation of this company that evades its responsibilities.