davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (CA)

Issue Summary : In approximately XX/XX/XXXX, I applied for an auto loan with Westlake Finanancial Due to an erroneous negative mark on my credit report, I was given a high interest rate of 17.8 % on a {$9100.00} loan for 48 months. Approximately 1 month ago, I discovered this error and had it corrected with the credit bureaus. 

I have contacted the bank to request an adjustment to my interest rate, given that the original rate was based on inaccurate information.and escalated to a third level manager, where I sat on hold for over an hour. I requested a call back, and no one called me back. The bank has refused to adjust my rate, stating they " don't do refinancing '' and that I need to refinance through another bank. 

My Efforts to Resolve : On XX/XX/XXXX, I called the bank 's customer service and explained the situation. The representative refused to help. On the same day, I escalated to a supervisor who also declined to assist. On the same day, I escalated to a third-level supervisor at the bank. I sat on hold for over an hour, and eventually requested a call back, and I have not received a call back. In each conversation, I explained this is not a refinancing request, but a correction based on erroneous information. I offered to provide documentation of the credit report error and its correction. Despite these efforts, the bank refuses to review or adjust my rate. 

Desired Resolution : 1. For the bank to review my current, accurate credit information.

2. To have my interest rate adjusted to reflect my true creditworthiness, potentially saving me approximately {$3400.00} over the life of the loan ( if the rate were adjusted to 6 % ). I would like access interest paid to this point to be credited to my account ( {$1200.00} extra at 17.8 % to a normalized 6 % ) I believe this situation is unfair as I am being penalized for an error that was not my fault. I am seeking the CFPB 's assistance in resolving this matter and ensuring fair treatment based on accurate credit information.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against XXXX XXXX XXXX for a range of violations, including but not limited to deprivation of rights under the color of law and engaging in unfair and deceptive trade practices. 

XXXX XXXX XXXX and CAPITAL ONE BANK ( USA ) , NATIONAL ASSOCIATION, has violated my unalienable rights of XXXX religion and faith, falsely accusing me of owing an alleged debt which I adamantly refuse to pay. This company has demonstrated unfair and deceptive trade practices, as well as unfair debt collection practices. 

My religious beliefs, as stated in XXXX XXXX of the XXXX XXXX emphasize " Owe no man anything, but to love one another, for he that loveth another hath fulfilled the law. 

XXXX XXXX XXXX, however, has disregarded my religious convictions and persistently harassed me, making false statements about my concerns. 

In response to CFPB ID XXXX submitted on XX/XX/2023, XXXX XXXX XXXX stated that my concerns were already addressed in their previous response dated XX/XX/2023 which is false and misleading. 

Despite my explicit statement that I do not give lawful consent to transfer my personal identification information, the company continues to cause intentional infliction of emotional distress, XXXX, and harm to my family, willfully depriving us of our rights and XXXX faith. 

I reserve the rights to sue XXXX XXXX XXXX, its agents, employees, counsels, attorneys, etc., and demand compensation for the damages inflicted upon me and my family.

Thank you for your prompt attention to this matter.

Sincerely, XXXX, XXXX All Rights Reserved UCC 1-308
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: Westlake Services, LLC (PA)

I am writing this complaint against NOWCOM/WESTLAKE FINANC for the fraudulent inquiry in my credit report. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiry is in my credit report but I never authorized them to access my credit file.
Consumer complaint received 2024-08-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ID)

To Whom It May Concern, I am writing to file a formal complaint against Navient regarding my private student loans that were taken out when I attended the XXXX XXXX XXXX XXXX in XXXX. The U.S. Department of Education has recently granted loan forgiveness to students who attended the XXXX XXXX due to widespread and pervasive substantial misrepresentations that deceived students about the value they would be receiving from their education. 

Despite the recognition of these fraudulent practices and the subsequent loan forgiveness for federal loans, my private student loans remain outstanding, and Navient is threatening legal action against me. I currently owe {$18000.00}. 

I have consistently tried to make my payments, but with the rising cost of living, my payments have become unaffordable for me and my family. I have paid them what I could afford and I reached out to Navient to request an affordable payment plan. However, their only option was to lower the monthly payment slightly, which still left the payment above the threshold I could afford each month. When I asked them to work with my term limits, they declined and insisted that I either take their only payment option or face litigation. 

During my last conversation with XXXX, a representative from Navient, I explained that I couldn't afford their proposed payment option and that I couldn't sacrifice my family 's necessities to make the payments. XXXX rudely cut me off, stated she wasn't going to argue with me, and said she would forward my case to their lawyers to take me to court before abruptly hanging up on me. 

This treatment is not only unfair but also disrespectful. I believe that Navient should take into consideration the fraudulent practices of the XXXX XXXX and work with me to find a reasonable and affordable repayment solution. 

I am requesting the CFPB to investigate Navient 's handling of my case, their refusal to offer a reasonable payment plan, and their aggressive and unprofessional behavior towards me. I seek your assistance in resolving this matter and protecting my rights as a consumer. 

Thank you for your attention to this serious issue. I look forward to your prompt response.
Consumer complaint received 2020-12-01
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: Block, Inc. (PA)

i paid for a course training and a XXXX guy scammed me using cash app one for {$600.00} and the other for {$100.00} in XXXX i would like my money back XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XX/XX/XXXX {$600.00}
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NJ)

After careful review of my consumer report, I still noticed that you furnished inaccurate accounts on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to indemnify maximum possible accuracy of the information concerning the individual about whom the report relates. You have verified inaccurate information which is illegal! You have violated METRO2 Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to opt-out of reporting these accounts on my credit file pursuant 16 CFR313. Im opting out all information thats not accurate and pursuant 15 USC 6802, 15 USC 6803, 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand attached accounts be deleted from my consumer report. 

1. According to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. 

2. I also have proof of public legal notice, that all the liabilities been transferred to my living Trust. Therefore, any negative accounts listed on my consumer report is inaccurate and erroneous and must be DELETED from my credit file. My consumer report should be free and clear of any negative and false items. 

-Please See Attached
Consumer complaint received 2024-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. 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 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Royal Pacific Funding Corporation (CA)

my taxes were reassessed in error, its been several months and my account is still not correct, I have received several diff analysis and payments. my account is negative which should not be possible. I have called several times with no resolution and have been told i can not have anyone review my account without writing a letter to the research dept. I have conflicting information and now my account shows late bc the wrong payment amount was sent I have sent payments that they have not applied to my account and have now reported me as late to my credit company. They have not called me back, provided resolution anbd now have reported me as late
Consumer complaint received 2020-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MO)

I was using cash app and someone hacked my account and took XXXX on XX/XX/2020 and also XXXX XX/XX/2020 I emailed cash XX/XX/XXXX and they told me i couldnt do anything unless request a refund, which wouldnt make sense because someone hacked me.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I need my creditors to have a mechanism for my problem. Through no fault of my own- a systemic problem in the Virginia Employment Commission , I was not able to receive unemployment payments for 5 months. There was a class action lawsuit on this and the lawsuit resulted in an order for the VEC to be monitored. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite monitoring the systemic problems still exist and people like me have their credit damaged or destroyed. I have been unemployed since XX/XX/XXXX of XXXX my work as a XXXX XXXX XXXX is dependent on the Federal Budget and a lack of threats of US Government Shutdown, few employers were hiring people such as me. I immediately attempted to file for unemployment insurance, but both the Virginia Employment Commission website and the Virginia Employment Commission phone system were malfunctioning to the point where I could not initiate my unemployment claim. I was finally able to initiate my claim in XX/XX/2023. I was only recently ( XXXX ) been able to have a backdated claim to XX/XX/XXXX, and I have filed an appeal to have that back-dating extend back to my unemployment date of XX/XX/2023 ( with a required waiting week ). Is there any way that the CFPB can assist me in having my creditors remove my late fees and correct the reporting to the credit bureaus? I have told each creditor over and over that I am not at fault and that I would have made the minimum payments at least over these past 6 months. Please note that I had a short contract in XXXX and paid many of my monthly payments when I was paid. This is proof that I intend to pay, but that I was and have been deprived of my unemployment payments which I would have used to make these payments. Thank you.
Consumer complaint received 2023-01-02
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. (PA)

I filed a complaint on XX/XX/2022 and explained that all XXXX bureaus were reporting a charged off account inaccurately due to me reaching out to the bank and them sending me a letter saying they cant find the account that is being reported. XXXX claimed to send results saying that the item was removed from my credit report but it wasnt. I have Documentation of the letter from the creditor stating they can not find the account associated with the negative account reporting on my credit reports. Equifax and XXXX both ignored the request and claimed to have updated but nothing was changed. Updating is unacceptable it needs to be removed ASAP. As I will remind you, XXXX XXXX XXXX # XXXX is furnishing inaccurate information on my credit report. Under the consumer law 15 U.S.C 1681 E section B explaining Compliance and Procedures. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Attached is a letter of PROOF! that the creditor has no record of the alleged " charged off '' account and is inaccurately reporting it on my credit report. This has caused my family a and I severe harm due to this erroneous inaccuracy. The creditor is also in violation of Consumer Law 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) " 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 '' Please have all bureaus removed this inaccurate information. I have been disputing this for 2 years now and if it is not resolved I will Take legal action as it is my right to do so. It is in accurate information and they wont remove it.
Consumer complaint received 2024-01-28
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. (SC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Transunion is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services. US DEPARTMENT OF EDUCATION never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR1016.7 goes on and states that " A consumer may exercise the right to opt out at anytime. I am opting out of your reporting services.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, TRANSUNION XXXX  XXXX all lf them reported me as a delimquent while that account was not mine.I tried to dispute.Some corrected info, some not, but never updated my score which went down from mid XXXX to upper XXXX. 
I tried talking to all of them they kept on ignoring my request
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Below is what transpired between myself and XXXX retail card services I sent to Customer Service Department : This is the XXXX  letter I am sending to you, my final attempt to resolve this issue with your company. I will also be sending all of this information to the Better Business Bureau as well as my credit reporting agency. 
As I previously outlined, every charge you have applied since XXXX XXXX, XXXX has been incorrect on your part. 
Called XXXX XXXX to cancel XXXX XXXX on XXXX XXXX, XXXX after final payment was made on the phone on XXXX XXXX, XXXX. I was told the account was closed and I would still owe the {$23.00} because I should have seen it on my bill and therefore was my responsibility. I paid the * {$23.00} on XXXX XXXX, XXXX and my XX/XX/XXXX bill shows a {$0.00} balance. 
Called XXXX XXXX, XXXX to try to cancel the XXXX XXXX account AGAIN, after being charged {$11.00} XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. 
My XXXX statement shows that I paid {$95.00}, which was the refund XXXX provide for the previous XXXX  months of XXXX XXXX charges that were billed to us after we cancelled the program. These were credited to my account on XXXX XXXX, XXXX. At this point my balance was negative, meaning XXXX owed me a check for {$47.00}. 
I was charged the {$11.00} AGAIN on XXXX XXXX, XXXX!!!! 
I was charged {$11.00} on XXXX XXXX, XXXX and * {$23.00} credit balance refund. 
In XX/XX/XXXX I was showing a balance due of {$35.00}, even though I owed {$0.00} as detailed above. I paid the {$35.00} on XXXX XXXX, XXXX, check # XXXX in hopes of FINALLY closing this out once and for all. 
I continue to be harassed by your company, charged fraudulent charges and wrote a detailed letter on XXXX XXXX, XXXX to try to resolve this. I got no response to my letter other than a letter from XXXX XXXX on XXXX XXXX, XXXX stating you are sending this balance to collections! 
I have tried to resolve this, I have paid more money than I actually owed you to try to close this out, none of which were successful. If you send this to a collection agency, I will be forced to report you to the Better Business Bureau and file a formal complaint for harassment and fraud with my attorney. Just because this has wasted so much of my time, caused me so much frustration, I am willing to spend my money on attorney to stop you. 

Please advise as how you would like to proceed. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am now trying to buy a home and this showed up on my Crdit history. This company should be held accountable for doing this. If they are doing it to me they are doing this to many and getting away with it. 

Please Help, kind regards
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive made several attempts to get transunion to update and remove inaccurate information on credit but instead it keeps coming back verified but that is impossible because they failed to provide proof of verification. Ive attached proof of communication below as well as certified mail receipt.
Consumer complaint received 2024-01-30
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. (VA)

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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.