davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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. (PA)

XXXX XXXX XXXX is furnishing an unverifiable account on my consumer reports and are refusing to remove it which is a violation of section 623 of the Fair Credit Reporting Act ( FCRA ). A data furnisher is prohibited from furnishing information that is NOT accurate, complete or verifiable by them or has reasonable cause to believe that the information is inaccurate. Not only is this account being reported with two different account numbers having the same exact information ( account # XXXX and account # XXXX ), this agency has also stated themselves that can not send an authenticated record of the account and that they sold all rights of the alleged account to XXXX XXXX XXXX ( see blue highlighted paragraph in attached exhibit a ). How can this company " verify '' the account when they do not own or can see the account? ( see exhibit b & c ). Pursuant to section 623 ( a ) ( 1 ) ( B ) they were notified by me, the consumer, about this unverifiable and inaccurate account on my consumer report. Instead of following the procedures and requirements of the FCRA they decided to be willfully noncompliant and negligent. I demand that XXXX XXXX XXXX deletes this item of information from ALL consumer reporting agencies as stated in section 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ).
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

IN XX/XX/2019 SOMEBODY OPEN UP AN ACCOUNT OR TRYIED TO XXXX XXXX CLAIM NUMBER XXXX TRIED TO OPEN AN ACCOUNT AND WAS FLAGGED BY XXXX  FOR SUSPECTED FRAUD ACTIVITYS I FILED AND FTC REPORT WHICH IS INCLUDED I NEVER LIVED IN NJ
Consumer complaint received 2024-05-07
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. (TX)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally report the non-compliance of the credit bureaus in addressing my repeated requests for the removal of inquiries from my credit report. Despite multiple attempts to contact them and provide the necessary documentation, I have not received any response or action from their end. 
The lack of response and action is concerning and adversely affects my credit standing. I urge the Consumer Finance Agency to take immediate action to ensure that the credit bureaus comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and promptly address and rectify the inaccuracies in my credit report.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

I am writing to express my dissatisfaction with Equifax 's handling of my recent dispute and their overall customer service. Despite my clear instructions to address inaccuracies in my student loan payment history, Equifax incorrectly disputed a balance on my account instead. This indicates a failure to follow directions precisely. The appropriate XXXX  code for this dispute should be XXXX Claims Incorrect Payment History. 

Furthermore, the customer service experience has been disappointing. The response to my request was neither timely nor accurate, leading to unnecessary frustration and delay in resolving the issue. This level of service is unacceptable and does not meet the standards one would expect from a major credit reporting agency. 

I urge Equifax to improve their processes and customer service to prevent such issues in the future and ensure accurate handling of disputes.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I am filing this complaint personally. An examination of my credit report revealed late payment entries. Although I sent correspondence over a month ago, I have not received any reply, nor have they provided adequate verification. I seek your help in addressing this issue.
Consumer complaint received 2024-06-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (GA)

Westlake Financial Services Attn : Customer Service XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Return of Vehicle, Payments, Insurance Claims, Trade Value, and XXXX XXXX, Contract # XXXX Dear Sir/Madam, I am writing to request the immediate return of my vehicle, as well as the resolution of several related matters, following the wrongful repossession by Westlake Financial Services XXXX It is imperative that all associated payments, insurance claims, trade value, and equity security be addressed promptly and fairly. 

Firstly, I demand the return of my vehicle within XXXX hours from the date of this letter. As previously stated, Westlake Financial Services does not hold any contractual rights or authority over the vehicle, and the repossession was carried out without legal justification. Failure to comply with this demand will result in legal action to recover the vehicle, as well as any damages incurred as a result of the repossession. 

Additionally, I request the following actions to be taken : XXXX. Payments : All payments made towards the vehicle, down payment, & rebates ect.. whether to Westlake Financial Services XXXX XXXX XXXX or any other party involved, the jeep, title, & all due must be returned to me in full. This includes any down payments, monthly installments, rebates, insurance claims and any other fees or charges associated with the financing of the vehicle. 

2. Insurance Claims : Any insurance claims filed by Westlake Financial Services or its agents regarding the vehicle must be withdrawn immediately. I expect full cooperation in rectifying this matter with the insurance provider and ensuring that no negative consequences arise from these wrongful claims.

3. Trade Value : As the vehicle was wrongfully repossessed, I expect to be compensated for any trade-in value that may have been lost as a result. I request a fair assessment and payment of the trade-in value, based on the market value of the vehicle at the time of the repossession.

4. Equity Security : In the event that any equity has been built up in the vehicle, I demand that it be returned to me promptly. This includes any monetary value that may have been invested in the vehicle through modifications, improvements, or repairs.

I expect Westlake Financial Services to address these matters in a timely manner and provide a written response outlining the actions taken to rectify the situation. Failure to comply with these demands will leave me with no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages incurred.

Please acknowledge the receipt of this letter and provide a detailed response within 3days I trust that Westlake Financial Services will act responsibly and ethically in resolving this matter.
Consumer complaint received 2024-06-28
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: Onity Group Inc. (SC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-05
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. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-09-11
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

On XXXX, XXXX Mr Cooper mortgage company rejected the MONTHLY payment I made on XX/XX/2024 in the amount of XXXX DOLLARS This amount of money was not applied into my account and not returned to me. It was never put even into so called unapplied funds. They never told me that was not applied. 
On XXXX I paid additional principial payment of XXXX dollars. They ripped it off to XXXX monthly payment and rest little of money to principial. 
I raised concern and sent XXXX certified mail about it on XXXX. No action, no respond. 
On XX/XX/XXXX they took from autopay my XXXX monthly payment of XXXX dollars and no news about not applied money in XXXX XXXX. 
I have sent another certified mail through XXXX on XXXX. No action and no response. 
Of course I tried to contact via emails and live chats and every time they gave me only promises. 
Their XXXX XXXX XXXX XXXX contacted via phone after middle of XXXX and admitted they really held this money. 
But since that time I tried to ask them to place money to principial amount. 
They never did this. Instead of this the\y placed it my guess to nowhere like future monthly payments. As of today, XXXX, XXXX, they yet did not apply them. Of course I have lost already some money on interest by them not applying it for almost 2 months, I sure want them to apply this to principial. They don ; t do it!
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (IL)

Based on. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer rep560er the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer n agency WRITTEN CONSENT to report anything on my consumer report which viol rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (NV)

On XX/XX/2023 opened a XXXX XXXX  Account and initiated a deposit for XXXX into the account. The next day I received an email saying they did a review and there is suspicious activity and that my account would be in restricted mode. The same day I ask them how I can resolve the issue. They write back that they need to investigate. I repeatedly write to them asking for updates getting stonewalled being told that they don't have a timeline. In that time I have XXXX access to my funds and feel ignored. Its been close to XXXX weeks and have XXXX access to the money and they just keep repeating the same line, that they can't tell when they'll remove the restriction and they did stop answering my emails asking incredibly basic questions like when will this get resolved, or for any updates on the matter.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (PA)

I realized that my credit was stolen when I got a call from XXXX XXXX XXXX requesting that I call them back regarding a credit card application I applied for due to me having an alert on my credit account asking that I be contacted prior to anyone opening credit in my name due to fraudulent XXXX XXXX XXXX credit card being opened in XXXXXXXX XXXX XXXXXXXX. I then looked at my credit report and noticed a few credit checks and called the banks on XX/XX/XXXX to let them know they were fraudulent and to not process those credit applications and then froze my credit. I was able to reach XXXX, XXXX XXXX, Wells Fargo and XXXX XXXX before they approved the applications and they were all marked fraudulent. These are all still marked as hard inquiries on my credit report even though they are marked as fraudulent. I have been unsuccessful removing them from the creditors via dispute and contacting the credit card companies directly. The hard inquiries on my report from XXXX XXXX XXXX are XX/XX/XXXX and XX/XX/XXXX ( from when the unauthorized credit card was opened ), XXXX XXXX XXXX  Wells Fargo XX/XX/XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IL)

I have a account on my credit report that needs to be takin off my report that I did not AUTHORIZE. 
XXXX XXXX, XXXX XXXX XX/XX/year> also I saw that it was a XXXX LOAN ON MY CREDIT THAT I DID NOT AUTHORISE PLEASE DELETE ACCOUNTS OFF..
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

During the Covid pandemic I was forced to take FMLA, due to health reasons. Knowing I would not have the funds to make the payment, I tried to be proactive and reached out to XXXX XXXX to make arrangements. XXXX XXXX refused to make arrangements. In XXXXXXXX XXXX XXXX I informed them that as soon as I received my tax return that I could make a huge payment. This would be in an exchange for them refunding the late fee and not reporting me to the credit bureaus. 

Majority of the card was paid off, as promised, and XXXX XXXX removed the late fee. However, the non-payment hit my credit report. I called and spoke with someone at XXXX XXXX and was told they would submit something to the credit bureaus. That was never corrected on my credit report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2, which states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan may go late for any purpose.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX I spoke to a representative from American Express. I asked for my payoff balance to ensure I would be at and stay at a XXXX balance. I paid my balance to XXXX on XX/XX/XXXX with the help of an American Express representative. Now i am seeing a {$450.00} interest charge after I paid the whole balance. I asked them to remove this charge as I asked the rep to pay the whole balance when I spoke with them. 

The representative told me it was a valid charge of interest from the previous statement until I paid off the amount of my balance on XX/XX/XXXX. 

I have a MAJOR problem with this when I asked the representative to pay the balance in FULL to get my balance to XXXX. So why would AMEX not include this when I asked for the WHOLE payoff amount was at this point. It is a deceptive practice. I asked that it be removed. The declined as they stated it is a valid charge. 

FROM AMERICAN EXPRESS I understand you paid down the balance to {$0.00}. However, when interest fees are applied on the account, it is applicable until the day you paid down the balance in full. As you paid the balance in full on XX/XX/year>, interest fees are applied till XX/XX/year>. 

My issue is that I was made to understand I had a XXXX balance and if I hadn't checked, I wouldn't have known I still had a remaining balance on the account and would have not paid it. 

This is a deceptive practice. 

I RESPONDED WITH THE BELOW That isn't the point. When I was told I had a XXXX balance, do you see why it is unreasonable to find another charge 5 days later after you see a XXXX balance? 
When I ask for a payoff amount and I pay it. I think it is unreasonable to see another charge 5 days alter then AMEX I understand your point, interest fees are posted only when the statement is closed. That is the reason you are seeing this interest fee reflected on the XXXX statement closing. 

THEN ME AGAIN So if you understand my point, please remove the charge Again they declined even though they acknowledged I had a point. 

I then asked for an employee # to reference in a complaint. The representative declined to identify themselves in any way. They said I was being transferred to their supervisor in the chat. And even when I asked no one responded any further.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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.

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 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (TX)

I am a victim of identity theft The date was open was XX/XX/year> with a balance of XXXX The name of the creditor is professional debt me No, not of this, and I would like for it to be removed from my credit report.
Consumer complaint received 2024-06-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (NY)

**False Information by Debt Collector** : The debt collector associated with XXXX  XXXX XXXX has been sending false information regarding the debt, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
This is also is prima facie evidence of an illegal eviction.
Consumer complaint received 2024-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 2024-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO Bank, N.A. (WI)

XXXX of 2022 got a letter said my account was overdrawn from a hotel purchase in Arkansas and I owed money. Answered all bank questions and letter from employer showing I was at work during the transaction.