davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (TN)

Westlake prortfolio is not willing to rectify the situation by fixing my car, all they state is that there a collection agency. I have spoken with the warranty department on XXXX XXXX and he stated they only fix mechanical issues and this doesnt fall under the scope. My car is essentially a boat right now, when is rains water constantly pours from the ceiling onto the dashboard the center console and the passenger seat. The water also leaks from both the passenger and driver door causing water to seap into the floor which you can hear what seems like gallons of water underneath the floorboards when driving, swishing back and forth. It is now a moldy smell and I cant drive it with my children in the car and I have to wear a mask as it is my only means of transportation and they still expect me to pay my car note. They have not tried to get my car fix and all they keep telling is that theres nothing they can do as well as when I asked them to furnish my contract with there name on it they sent me my old contract with US AUTO SALES, or US AUTO SERVICING ( whom has since been shutdown as of XXXX ) and nothing stating that I had to pay them so Im assuming thats why they are not trying to take any responsibility to trying to fixing my car. 




So far I have paid {$2200.00} and they keep threatening to reposs the car and continue to tack on charges stating I have to pay this amount or they will take the car. 


I have constantly asked for an auto contract with them signed by me and they havent produced anything and now I am without a car due to the car having water damage that was not disclosed when I got the car from us auto sales on XX/XX/2023. 

Please advise on how to properly rectify the situation.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (MI)

I received a credit card prescreened offer in my mailbox, today XX/XX/XXXX. XXXX. I found the instructions for opt out and attempted to OPT OUT. OPTOUT ISNT WORKING and THEY DID IT ON PURPOSE. The phone service doesn't work. The " website '' for opting out DOES NOT HAVE OPT OUT AS AN OPTION. The fun part is where they provide an address to mail a request to opt out and " comments and suggestions '' and it directly says in tiny print it will not process anyones mother trucking opt out request. I requested several years ago, when I began a descent into poverty and anti XXXX medications, that I NEVER receive any more prescreened Credit Card offers EVER. I live alone on a two lane in the woods and am not able to XXXX XXXX out to get my mail everyday ; because I might have had a XXXX. I had someone steal out of my mailbox and send in one of these sinister devious heinous evil offers several years ago and I got sent a bill showing I have XXXX balance and A CREDIT CARD I NEVER APPLIED FOR!!!! Curse them all! Cheating Credit Card Frauds!!! May an active volcano erupt in the middle of every credit card company 's buildings while the few greedy owners are locked in the top floor. Please make them stop attacking me. I tried to use their optout FAKE website and they are cheating everyone by making it so it wont work. They should be put in stocks for this.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

A premier credit card account is being reported by XXXX, XXXX, and Experian. 

This accounts last update occurred on XX/XX/2024. As per the information documented in the comments, this account was falsely listed as being compliant with FCRA regulations. Experian even attested to this, with records indicating supposed verification of reported data by the company. However, I contest the accuracy of this account.

Despite federal law obligating the furnisher to rectify and refresh the account, it persists with discrepancies, including missing, inaccurate, and inconsistent data, knowingly reported by the company. 

XXXX lacks payment history for this account, while XXXX and Experian display numerous inconsistencies in payment records.

All major credit bureaus exhibit deficient, inaccurate, or inconsistent data regarding this account. Accordingly, I request the deletion of this account due to inaccuracies and FCRA 623 violations.

According to the Duty of Furnishers to Provide Accurate Information : ( A ) Reporting information with actual knowledge of errors or after notice and confirmation of errors is prohibited.

If this account remains undeleted, I will presume willful noncompliance, subjecting the company to liabilities including actual damages sustained by the consumer and legal fees, as outlined in the FCRA.
Consumer complaint received 2023-08-05
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, 2 fraudster con artists posing as Deacon XXXX of church and a supposed heiress of a XXXX XXXX dollar fortune named XXXX approached me and asked me to help disburse XXXX cash to help needy people according to her dying brother 's wishes in a will. XXXX wanted me to prove she could trust me by going inside the bank and withdrawing XXXX cash. So we could bless the money. So I was tricked into withdrawing the {$280.00} cash advance balance available on my Chase credit card. Deacon XXXX got mad, assaulted me by hitting my arm as I tried to reach for the money. They both stole and ran off with my momey when it was clear to them I wouldn't give them any more. 
I filed a police report with the XXXX XXXX police department for theft on XX/XX/XXXX, the same day. 
On XX/XX/XXXX, I went inside a Chase branch and had XXXX XXXX, a banker fax a copy of the letter and police report to the Chase dispute resolution department. 
On XX/XX/XXXX, I received an electronic notice from in a letter saying I am still responsible for the {$280.00} and it will remain on my bank statement, but they have notified the credit bureaus about the situation.
Consumer complaint received 2023-09-19
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: JPMORGAN CHASE & CO. (CA)

I have carefully reviewed my credit report in the XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. JPMCB CARD XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

A premier credit card account is being reported by XXXX, XXXX, and Experian. 

This accounts last update occurred on XX/XX/year>. As per the information documented in the comments, this account was falsely listed as being compliant with FCRA regulations. Experian even attested to this, with records indicating supposed verification of reported data by the company. However, I contest the accuracy of this account.

Despite federal law obligating the furnisher to rectify and refresh the account, it persists with discrepancies, including missing, inaccurate, and inconsistent data, knowingly reported by the company. 

XXXX lacks payment history for this account, while XXXX and Experian display numerous inconsistencies in payment records.

All major credit bureaus exhibit deficient, inaccurate, or inconsistent data regarding this account. Accordingly, I request the deletion of this account due to inaccuracies and FCRA 623 violations.

According to the Duty of Furnishers to Provide Accurate Information : ( A ) Reporting information with actual knowledge of errors or after notice and confirmation of errors is prohibited.

If this account remains undeleted, I will presume willful noncompliance, subjecting the company to liabilities including actual damages sustained by the consumer and legal fees, as outlined in the FCRA.
Consumer complaint received 2023-09-18
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: BARCLAYS BANK DELAWARE (PA)

Early XXXX, I began to look into my credit in order to boost my score. I have life changes occurring that I now realize how much credit matters over cash. 

XX/XX/XXXXXXXX  I noticed MULTIPLE inquires not authorized or recognizable to me. Below are the inquires to reference to. After placing a call directly to the credit bureau involved I was told I needed to fill out a paper and they would mail it to me after I requested multiple times that he helped and did it for me. 

Because these are unauthorized and I tried getting them removed from my report my request was not honored I need a payout based on FCRA consumer laws etc. 

BRCLYSBANKDE XX/XX/XXXXXXXX  via XXXX. 

BRCLYSBANKDE XX/XX/XXXXXXXX  via XXXX. 

Pursuant to 15 USC 1681n I XXXX XXXX, the consumer is entitled to {$1000.00} PER violation.
Consumer complaint received 2024-08-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Savings Bank Account # : XXXX XXXX XXXX XXXX USAA Savings Bank Account # XXXX XXXX XXXX XXXX Between XX/XX/year> and XX/XX/year> my two credit cards with USAA Bank were used without my permission. When I arrived home from the XXXX Wedding Anniversary of close friends in XXXX Ohio I was greeted with two letters from USAA telling me my credit cards had been closed. I immediately called USAA and was referred to their fraud department. Their representative informed me that my two accounts were closed because of fraudulent transactions. I cooperated in every way with USAA and filed a police report with the XXXX XXXX Florida Sheriff 's Department which was provided to USAA. USAA refused to cooperate in the investigation. I identified the likely criminal. USAA refused to honor their " no liability for fraudulent transactions '' which they actively marketed for their credit cards and upon which I relied upon. After months of telephone calls and letters I gave up talking to them. USAA made no attempt to recover the money from the fraudulent transactions. USAA immediately sold the alleged debt to collection agencies who immediately upon receiving the police report ceased collection efforts. USAA also canceled my insurance with them after 42 years with no accidents in nearly 30 year because of the credit report. I hired an attorney who sent letters to XXXX, XXXX and XXXX with the police report and requesting they remove the incorrect information from my credit report. XXXX and XXXX removed the incorrect information. XXXX has refused to remove the incorrect information and it sole investigation was to contact USAA and ask if the debt was mine. USAA Bank has developed a long history of defrauding its customers with false advertising and solicitations. I am requesting that USAA expunge from my XXXX Credit Report any reference to the two credit cards claiming I defaulted on the credit cards. 

Police Report is too large to upload.
Consumer complaint received 2024-05-08
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: Experian Information Solutions Inc. (TN)

It has been brought to my attention that the there are some fraudulent inquiries on my report that are not authorized by the following companies. 

ACCOUNT NAME : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give the XXXX credit reporting agencies permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

The companies involved have not been able to produce the contract and a complete investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent Transunion a dispute on XX/XX/2023 in regards of inquiries but have yet to get a response in regards to the documents because these items were not done by me.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Consumer complaint received 2024-06-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-11-07
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)

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  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-08
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. (NY)

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/year> I received new dept card from XXXX XXXX  someone open new account and use all my personal information I called the bank and knew was someone use all my personal information throw the phone and open the account, I closed this account with bank On XX/XX/year> someone used my account number and routing number from my XXXX  XXXX XXXX and stolen XXXX $ XXXX make a claim and the bank changed the account number
Consumer complaint received 2024-05-08
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 writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting of two accounts by Experian and associated mismanagement by XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX ), with both accounts erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentationsuch as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

Additionally, it is critical to highlight that both accounts were written off and reported as income through 1099 forms. As these debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. The failure to remove these items not only contravenes credit reporting standards but also continues to unjustly degrade my credit score. 

Given the severity of these inaccuracies and the direct impact on my life.
Consumer complaint received 2024-05-08
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: Experian Information Solutions Inc. (IL)

I am submitting this complaint after noticing unauthorized inquiries and personal information on my credit report : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-08
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. (MI)

I called Experian to find out why they reported me with no scores yet alerted me to the credit check and said scores were sent. When I spoke to the representative I pretty much was told that one I canceled my Experian account services because I didn't recognize the charge on my checking account, they did that in retaliation
Consumer complaint received 2024-05-08
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. (TX)

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX  XXXX XXXX XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX  XXXX XXXX XX/XX/year>. Please see screenshot attached : Sincerely, XXXX XXXX