davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

Westlake Financial Services financed our XXXX XXXX XXXX, in XX/XX/2017, I called Westlake and spoke with a representative to ask for assistance because my payment was late. The female representative noted my account and told me as long as I made the payment I did not have to worry about repossession of the vehicle. However, on approximately XX/XX/2017, my husband contacted Westlake Financial Services to request a payoff of the XXXX XXXX XXXX, because he was attempting to trade the vehicle in for a vehicle with a more affordable payment. The man representative he spoke with, began telling my husband he needed to make a payment first. My husband explained he was not able to make a payment at the time, however I was going to make one. The representative still would not tell my husband the payoff amount. My husband then explained that he was trying to trade the vehicle in for another vehicle, which is why he was requesting the pay off amount, therefore the vehicle would be paid off in full. The representative and my husband exchanged words, however the representative never provided the vehicle payoff, he stated he would email it to my husband, which he did not do. He instead made a note in the account that my husband refused to make a payment and stated that my husband wanted the vehicle picked up, because we were purchasing a new one. My husband never stated that, however several days later our vehicle was repossed. I requested to speak with a supervisor immediately and requested the telephone call be reviewed because my husband had made no such request. The representative was simply upset because my husband could not make a payment while speaking with him, so he utilized his position to be vindictive and create unnecessary expenses to our family while we were already struggling. I never heard anything from my complaint or request to have the telephone call reviewed. To make matters worse I recently discovered Westlake placed a repossession on both my husband and my credit, which will affect us in a negative manner in more ways than one for years. Most Westlake representatives are professional and helpful, however some of them are abusive and utilize unfair tactics against loyal customers. The representatives always state the call is being monitored, however when they are being unprofessional the call can never be located.
Consumer complaint received 2023-12-15
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX Re : Improper debt validation and continued collection activity Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom may concern I originally filed A XXXX complaint against the company listed above. This company has conducted an improper debt validation and they have not supplied required documents .I have included my initial complaint and the company response. This company said that they would cease debt collection activity but it is my responsibility to contact the consumer reporting Agency? This company has not ceased communication they have brought great harm to my credit score and they have continue collection practices with validating the debt? 

1. Waypoint Resource group has not supplied a copy of the original application.

2. Full payment history from the original creditor was not provided.

3. An itemization of the current amount of the debt that reflects interest, fees, payments, and credit since a particular date that I may be able to recognize or verify records was not provided.

4. Waypoint Resource Group failed to provided any of the requested information above, they cant legally collect this debt at this time they are in clear violation of the FDCPA.

I ask in kind that Waypoint Resource Group stop cease all collection activity and I demand that this account be deleted from my consumer credit file immediately Sincerely XXXX XXXX
Consumer complaint received 2023-09-20
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. (CA)

There are many inquires that I did not authorize at all. My information was used fraudulently to apply for credit. Please assist to remove these fraudulent inquiries from my credit report. 

Fraudulent inquiries as follows : XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 2023
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (MN)

My Concora Credit Destiny Mastercard Credit Cards and account : XXXX and XXXX was lost/stolen and theres fraudulent transactions and payments that was made on my account. All of the transactions and payments that was made on my Destiny Mastercard credit card account are fraudulent transactions and payments and not my transactions or payments.
Consumer complaint received 2023-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (HI)

This community send me a threatening later that they will contact the nearest lawyer if I dont pay my debt. They call me everyday and mail to pay my debt. I paid my debt the best of my ability and I notice that they put the item on my collection if my credit report. 

First they threatened to call lawyer and they damage my credit report.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Zions Debt Holdings (OH)

I have a collection account on my report from Zion holdings which I never opened an account with. My account was sold to Zion from XXXX  with my consent. This account is being reported as opened in 2022 which is also incorrect. I have written to have this account deleted from my credit report as the information being reported is inaccurate.
Consumer complaint received 2023-02-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IN)

I started a application with Amerisave mortgage company. On XX/XX/XXXX I sent a text to this company and asked XXXX XXXX to cancel my application and to refund the {$550.00} he asked for. I put it on credit XX/XX/XXXX. 
He will not respond to my request, instead he is continuing forward with this mortgage loan. And he has not refunded my {$550.00} back on my card. No appraisal was done with Amerisave.
Consumer complaint received 2023-07-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Lien Enforcement Inc (CA)

XXXX XXXX is charging me for a lien on a car that was registered to a sister of mine and that car was sold to a gentleman named XXXX XXXX which he never transferred his name but I have in my possession a bill of sale signed by him stating that he is taking over ownership so he parked it on the street tags expired and car got towed
Consumer complaint received 2023-12-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

My credit report tanked a few months ago with a negative report from Jefferson Capital Systems. They are attempting to collect a debt from 2022 from XXXX. This is a false claim. I have tried to dispute this via XXXX, XXXX, and XXXX however they are not resolving this for me. There is no proof that this debt is mine, nobody has provided me anything. I DID NOT open an account with XXXX in 2022 nor did I accrue these charges. Please help me remove this charge off my credit report.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Consider this complaint as my follow-up prior to my previous complaint to ensure that the fraudulent items in my file are ultimately removed. 

Please Remove these items : XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

I filed a complaint with lexis nexis about bankrupcties that were on my credit report. I explained that me and my ex husband XXXX XXXX owned properties and he filed for bankruptcy without my knowledege to try and save a property. They were able to remove 1 bankruptcy from my credit, but they left 1. How is this possible? this is a fraudulent use of my information.I was unaware of my ex husband doing this, he signed my name. I need this removed now.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MO)

I had a U.S. Bank personal checking account. On XX/XX/2023 I transferred money into that account using an ACH transfer. After that I changed my email address for being able to use XXXX. At this point U.S. Bank closed the account and claim that the account was closed due to concerns about Fraud and they have never returned my money. I have been speaking to XXXX at the XXXX XXXX XXXX in XXXX XXXX, MO, ( Tel : XXXX ) and all she can tell me is that the account was closed by the company and she can not tell me exactly why the account was closed and when I can get my money back. I have repeatedly asked to speak to a supervisor or someone else who can escalate this matter, but I have been consistently stonewalled. I have asked to be able to have email communication with someone and even that request has been denied. She can not even send me a letter detailing the concerns and the way to resolve them. 
It is now almost XXXX months and I am out of ideas as to how to get my money back.
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC (OK)

Shellpoint failed to pay year XXXX property taxes due in XXXX with my escrow funds. When I sold my property on XX/XX/XXXX, I was forced to pay XXXX taxes plus a penalty of {$810.00} on XX/XX/XXXX. I called shellpoint on the date of closing to inquire about the issue, and I was told to mail or fax documentation to shellpoint showing that I paid past due tax penalties for year XXXX in order to be reimbursed by shellpoint. After doing so, Shellpoint agreed to reimburse me for the tax penalty within 5 business days of XX/XX/XXXX. As of today, Shellpoint has failed to reimburse me, and they are non responsive.
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: DISCOVER BANK (NY)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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 isn't 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e 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 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

After multiple CFPB complaints, identity theft reports, cease and desist letters, Portfolio recovery associates is refusing to heed to ANY lawful command and acts as if they are above the law and do not have to abide by any laws set forth. 

I have received several restricted phone calls from them. As soon as i answer that i have a cease and desist order, they hang up. 

I received a call from XXXX today at XXXX from XXXX XXXX . Once i mentioned a cease and desist he wanted to place me on hold. This is unacceptable. 

ALL accounts with PORTFOLIO RECOVERY are to be removed immediately. 


I am also requesting {$1000.00} per phone call, as well as {$5000.00} for the time, resources, and anguish all this has caused. 


I am not going to go through putting all Previous communications below. FIND THEM YOURSELF. 

My next step is a police report for aggravated identity theft, fraud, and harassment as well as with the attorney general.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have complained & disputed called and sent letters explaining that the account for XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$13000.00} are not my accounts. I do not know what else to do but keep letting you all know. Please delete these accounts.
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (TX)

We have been paying an extra XXXX principal payments per month on our mortgage for almost XXXX years. When we asked for a payoff the number is exactly the same as what we currently owe. How can the payoff number and the remaining amount be the same? We have done the math on the numbers sent every month from the servicing company. Using " their '' numbers our outstanding " principal amount is XXXX based on a XXXX end date. 
That date is on every mortgage payment statement we have. We have all of them. We just need to make sure the numbers are reflective of what we have paid and that they are reducing the principal as we intend. Based on the payoff number they have given us of XXXX it is " NOT '' the case. How can we owe anything additional without those numbers being reported to us? We know servicing/mortgage companies " do stuff ''. We will not allow this to happen to us we have worked too hard to pay this house off.
Consumer complaint received 2023-12-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (OH)

This has been in effect over a year that medical collections are not allowed to be on my credit report under {$500.00} ... yet i have spent time and money on a home loan to move forward due to the impact of these collections from wakefiled on my credit report i was unable to be approved. This collection was added to my report as recently as last month. Wakefiled knows that this collection is under {$500.00} and yet continue to report it every single month. This is wrong. I demand that both collections are deleted from my credit reportand hope that you investagate their predatory preactices against the consumer like me. We are struggling to acheive the dream to buy a home
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: Upgrade, Inc. (CA)

They are a predatory lenders who are intentionally reporting erroneous late payments for XXXX and XX/XX/XXXX XXXX 
XXXX ) For XXXX, XXXX and XXXX XXXX XXXX, I entered into a hardship program with Upgrade. My payments were interest payments around {$78.00} agreed upon by the Upgrade finance departments. Every conversation is recorded where it was explained to me that once you enter into a hardship plan, your normal payments against the balance are place at the " END OF THE LOAN ''. When I would expect to pay back a larger amount when the loan closes. However, someone at Upgrade keeps placing those hardship payment totals back to the FRONT of the loan. And during this hardship time, Upgrade can not submit any NEGATIVE reporting to the credit bureaus. This is against their own policy. After 3 months of hardship payments, I resumed my normal payments between $ XXXX per month. I did that. 

2 ) Once in XXXX XXXX XXXX  my bank ( XXXX ) returned my payment, Once I became aware, I made restitution right away. Upgrade went straight away and erroneously reported 60 days late twice and 30 day slate twice. Knowing that until then I had never been late, nor missed a payment. 

3 ) Upgrade blocks my payment history from my view online for anything past the most recent 4 months. I can not prove to them their error because I can not review what they're reporting
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The address on the XXXX XXXX XXXX XXXX account does not match the address on my utility bill. Update this account to never late/closed or remove the account completely for failing to follow the Fair Credit Reporting Act.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Hello, I had a security issue with my phone and decided to upgrade all financial account logins and passwords. I did so with no issue on XXXX XXXX XXXX When it came to PFCU the site would not process the updated password, I tried 2-3 times thne the next business day called in and spent over an hour trying to resolve. Finally I got a manager XXXX  who was polite and attempting to do what he could but after over 2 weeks there has been almost no reply and no solution to update the security of my accounts. I have also had trouble receiving email alerts that statements for credit cards are available. It is important as this is the way I know they are due to be paid. PFCU admittedly has had issues with their online presence. Minor things not working is frustrating but tolerable. Not being able to update and better secure your accounts is not. Maybe some prompting from your agency will help all PFCU members. Note- the customer service people are very polite and professional, but the management overseeing their online presence should be replaced. Thank you