davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (ID)

XXXX XXXX XXXXXXXX filed a lawsuit against me. The claimed to have served me in person on XX/XX/XXXX. This is a complete fabrication of the truth and completely false. They then used this lie to their advantage to get a judgement before I even knew about the lawsuit. When I found out about the lawsuit I had XXXX time to defend myself and was aggressively forced into a repayment plan that I would not be able to pay and I told them this. They told me to not pay something else and to pay them. I tried and tried to negotiate with them but the representative XXXXXXXX XXXX up on me twice but not before she threatened me with another lawsuit if I didnt pay the exact amount every month. I was bullied into an unreasonable payment plan without being able to negotiate or defend myself. Please help.
Consumer complaint received 2024-07-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (LA)

Balance of {$12000.00} Creditor/Violator : Westlake Financial XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, California XXXX On or about XX/XX/year> Westlake financial entered into an agreement with me to reduce by outstanding loan liability to half after I lost my vehicle in a flood. They wrongfully submitted a letter of guarantee to the insurance for full payment instead of the agreed reduction of half, collected and pocketed the entire amount and refuse to acknowledge the settlement contract between us. Westlake was also involved in usuary loan and excessive interest rates under original loan. I made an amicable demand for settlement/case file but the corporation ignored all my request. 

The settlement agreement was via emailed with an installment plan that was initially paid and began before they received a payout from insurance.
Consumer complaint received 2023-12-14
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. (AL)

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 USC 1681 section 602 A states I have the right to privacy 15 USC 1681c ( A ) ( S ) section states no consumer reporting agency may make any consumer report containing any of the following items of info. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 section A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 S-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 accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
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)

XXXX Account # XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights pursuant to Privacy Act of 1974 and 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2021-01-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2024-04-25
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)

I am writing to address a matter of utmost concern to TRANSUNION regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the XXXX XXXX XXXX XXXX XXXX XXXX, and I have attached the relevant documentation for your reference. The XXXX report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that XXXX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Im in the process of buying a home and I went to get a copy of my credit report and upon receipt of it I noticed discrepancies in my report in which I reached out to the credit bureaus XXXX, Experian, XXXX. I am writing to dispute several negative items on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These inaccuracies have significantly impacted my credit score and financial standing.

I have carefully reviewed my credit report from XXXX, Experian, XXXX dated [ Date ], and I have identified the following discrepancies : XXXX. [ XXXX XXXX, XXXX XXXX charges and insurance resolved debt back in XXXX informed by creditor. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The aforementioned inaccuracies violate the provisions outlined in 15 U.S.C. 1681, specifically : - **Accuracy and Fairness ( 15 U.S.C. 1681e ) ** : The negative items inaccurately represent my credit history, leading to an unfair assessment of my creditworthiness. I request a thorough investigation into the accuracy of these items.

- **Access to Information ( 15 U.S.C . 1681g ) ** : I am entitled to accurate information in my credit report. The discrepancies mentioned above have denied me this right, and I request that the inaccuracies be promptly corrected.

- **Dispute Procedure ( 15 U.S.C. 1681i ) ** : I have reached out to XXXX XXXXXXXX, Experian, but to no avail. The agency has failed to conduct a reasonable reinvestigation, as required by law. 

I kindly request a comprehensive review of this matter in accordance with the provisions of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this dispute, and I trust that your intervention will lead to the correction of these inaccuracies. Please keep me informed of the progress and outcome of the investigation. 

Thank you for your assistance in upholding the consumer rights outlined in 15 U.S.C. 1681. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-06
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2024-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

My wife passed away in XXXX. Despite that fact and the fact that my property has been transferred to my name on all official records, SPS Mortgage Financing has continued to list my wifes estate as sole owner of the property. I sold the property on XX/XX/XXXX and received a check from SPS which I attempted to Deposit on XX/XX/XXXX. It was made payable to the Estate Account which had been closed. I contacted SPS concerning re-issue of the check in my name and have pursued payment since that date with the usual verbal assault attendant to all contacts Ive has with this company. The Rep I spoke with on XX/XX/XXXX told me most of the Service Agents at SPS would tell me anything to get me off of the phone. He further instructed that my attitude would only further delay payment and he would send an internal email to another department that was reviewing the situation. The Agent I spoke with today, the 3rd, told me it would be another 60 business days before they released the Check. I have endured far worse at the hands of this company and can fill notebooks on the subject. Note that I have a perfect record going back to the death of my wife in XXXX and have been tormented by SPS at every opportunity.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

NFCU Account # XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights pursuant to Privacy Act of 1974 and 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (MD)

On XX/XX/year> I used the pay anyone feature. My money was sent to XXXX. I called immediately to stop this transaction. I was told that they could not stop the transaction and since it could not be claimed I would have to wait 14 days and the unclaimed funds would be sent back to my account. 

I've done 4 disputes after finding out that my money was deposited into a chime member 's account. I've talked to many members on the chime team, all with limited info. 

So how was my money claimed by a chime member??? That phone number is the Veterans Administration toll free number!! Where is my money????
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

We have received formal notices by mail just yesterday from Citibank to close our checking and savings accounts for myself, my wife, and our XXXX children ( custodial savings ) who are XXXX. We have been customers of Citibank for over 20 years and we do not understand why this is happening. On top of the checking and savings, we have a number of primary credit cards from Citibank, a mortgage for our primary home, investment/securities accounts as well as securities based loan and all of these accounts are highly intertwined with payments, bills, and deposits automated to various accounts. The letter from them implies that per the terms and conditions they can terminate any relationship/account at any time for any reason. Their decision seems arbitrary, capricious, and perhaps discriminatory and come without any sort of recent inquiries from a XXXX dept nor a business risk department. It is out understanding that if there were some actions or activity in our accounts that were in question, then we should have been asked about it or had a chance to explain. There was no formal verbal or written notification or warning given of any activity that is questionable. I reached out the local branch manager ( XXXX XXXX ) who mentioned something about possibly having too many in and out transactions, wires, or otherwise but could not really elaborate further. She seemed to imply that we have done nothing wrong, that she has known us for years, and our relationship manager should be able to rectify this. I reached out to our ( newly assigned and does not know us well ) relationship manager XXXX XXXX who also could give no answers, stated he had no authority, and did not seem to place any importance at all on our situation or want to be bothered. We have simply only used our accounts for banking activities which are the sole reason customers keep accounts at banks. Had anyone had any questions or asked us for documentation to substantiate any activity we have always been ready to provide and are ready now to provide it as well. The thoughts having to reopen all of those accounts elsewhere in the timeframe of the next 12 business days that remain is heart breaking let alone rerouting all of those automatic bill payments, deposits, transfers etc. We are highly suspicious that they have taken this action against our XXXX family because we have chosen not to participate in certain investments with their investment team which they have repetitively tried to discuss with us that would generate more fees for them. The fact that a bank can just do this to a hard working family trying to exist and live the American dream should be illegal.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NY)

The firm XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ) has stated that " This office does accept service by email or fax. '' However, in the state of NY, we have the following language, which was included on the summons and complaint " An attorney representing a party who is served with this notice must either : 1 ) Immediately record his or her representation within the e-filed matter on the XXXX XXXX XXXX ; " The documents in my law suit were electronically filed. 

I have asked XXXX XXXX of XXXX why XXXX thinks they have the right to not engage with email. 

I have not received a response. 

It seems to me this is an effort by XXXX to erect artificial hurdles to communication. There is no reason I should not be able to talk to them via email, and they are introducing artificial delays by trying to avoid using email. 

Thank you, XXXX
Consumer complaint received 2023-12-14
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. (AR)

At the end of XX/XX/2023 I started to fix my credit report. Checking to my sure everything is accurate and looking to see what can be removed. As I examined my report I see that there is a bankruptcy on there. So I reached out to all 3 credit bureaus asking them to check the accuracy of the information. XXXX responded back with a deletion. XXXX and Experian responded by saying the information was accurate. So I then reached out to the source of the information reported. The source responded with a written statement saying. They DO NOT report to any credit bureaus therefore the information is a lie/inaccurate and should be deleted from my credit report.
Consumer complaint received 2024-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lexington Capital Holdings LTD (GA)

My wife was looking for a XXXX forgiveness program and was told to call Lexington Capital Holdings. She asked me to listen to the terms of the product the company was suggesting. When I talked with them and heard what they were trying to offer my wife I told them it sounded like a credit card and we were not interested in obtaining a credit card. The next day they texted me and said there is an application closing fee. I explained to them that I did not sign any contract or asked for an application, so I am not responsible for any fee. 

I talked with my attorney and he looked up Lexington Capital Holdings online and saw there were several complaints exactly like what I describe what happened to me. He advised me to contact CFPB and send Lexington Capital Holdings a dispute letter denying I owe them {$1000.00}.

Something needs to be done about Lexington Capital Holdings harassments and business practices. Their company should not be able to make anyone pay for something they did not ask for. They also created an application in my name with incorrect information and ILLEGALY signed my name. That is " IDENTITY THIEF '' and should be punishable by law.
Consumer complaint received 2023-12-14
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. (VT)

There was a charge for {$5800.00} from a XXXX XXXX XXXX account I know nothing about, and never opened. I filed a dispute and received notice that the investigation found no issues. I have screenshots of this account I can provide if helpful. Experian was not helpful and did not resolve my issue even after being told by XXXX XXXX XXXX that I needed to contact that credit bureau.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I have an issue with my loan servicer. My loan servicer was XXXX XXXX XXXX for over 10 years, they transferred my loans to XXXX without my consent. As a result of this switchover my credit score has dropped over 40 points as they've reported my account closed, wiping out over 10 years of history on this account. This seems extremely unjust as I've worked hard over a decade to build up my score and have never once missed a payment. Please tell me how this is fair to me as a borrower. I've reached out to them and they've told me " that's how it is ''. I demand some kind of action. 

FURTHER, they've deleted ALL of my payment history and now neither XXXX nor XXXX XXXX have any information on my payments, for over a decade! Please urgently advise.
Consumer complaint received 2024-07-29
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: CORELOGIC INC (MI)

Was Attacked over the Phone by Personnel employed by Company name is led to be and its believed that this man falsified communication with XXXX XXXX to CFPB and report responses in order to hide the company illegal conduct
Consumer complaint received 2023-12-14
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. (FL)

To whom it may concern, I sent a letter to Experian XX/XX/. Here is my mailing tracking number XXXX ( XXXX XXXX XXXX ) to remove incorrect personal information from my credit report. 

According to 15 USC 1681, I the consumer have the right to privacy, which this agency has violated being that I did not give them written permission to include such information. Also, according to 15 USC 1681, agencies must be reporting accurate information. This information is inaccurate and i would like it to be deleted intirely.

Along with these violations, the agency has also Violated 15 USC 6802. No financial institution is supposed to share my personal information with any third parties. 

These are clear violations oof my federally protected rights and i would like them corrected immediately. Thanks so much.
Consumer complaint received 2024-07-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

I received a bill in the mail from The Home Depot/Citi at the end of XXXX or beginning of XXXX. I didn't open an account with them. Someone opened this account fraudulently and charged {$3700.00} worth of flooring in my name. Since then I've spoken to their fraud department trying to prove that I didn't make this purchase. I've sent copy of my driver 's license, a police report and an Identitytheft.gov report detailing this fraud. It seems to be falling on deaf ears! I will be calling again today to find out how the investigation is going. They now have reported my account as being delinquent on my credit report even though there is an open fraud investigation and my local police are also investigating it.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

After filing for bankruptcy in XXXX and undergoing a lengthy process that led nowhere, I decided to drop the case in XX/XX/XXXX. During that time, I was also fighting a foreclosure in court and hired the law firm XXXXXXXX XXXX XXXX  in XX/XX/XXXX for {$4000.00}. Once the retainer was depleted, I was to be billed monthly. By XX/XX/XXXX, the retainer was exhausted, and the law firm charged an additional {$2000.00}. When I requested an accounting of the work performed, I received nothing. The main issue I have is that they made a copy of my debit card to keep on file and charged at their discretion. I disputed the charge with Chase on two different occasions, but they ruled in favor of the law firm.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I have a Citibank Costco Visa Card, and because of my purchases, I have accumulated around {$140.00} in cash back on the card. Citibank states that I will lose my cash back if I close my account. That is not right. They should send me a check for those rewards.
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I dont know the exact time frame but after I purchased the vehicle the dealership said I could refinance after 6 months to get a better price. Well I got denied not once but twice. I barely make the payments monthly. Its XXXX a month. So rn I am on a payment plan for XXXX a week. I just want my payments lowered and affordable And I just read that there is a lawsuit against them