davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NH)

It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is Nelnet the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. I request that you promptly delete all late payments and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ).
Consumer complaint received 2024-01-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my Credit Reports effective immediately. Im attaching proof that XXXX admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my Credit Reports. 
XXXX XXXX XXXXk acct # XXXX Portfolio RC accts # ending in XXXX and XXXX
Consumer complaint received 2023-07-14
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. (LA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I recently reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from a Dealer named XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. This was an online transaction. The dealer provided me with pictures and sent me documents to sign online including a retail installement contract and other documents such as GAP ( which he insisted that hed sell me the car only with GAP ) and agreed to pick up the car the following day. 

The following day, Tuesday the XXXX of XX/XX/XXXX I contacted the dealer to make arrangements to pick up the car. He said the car was still being reconditioned and not at the lot yet and to give them a couple of days. After multiple attempts to take possession of the car and physical visits to the dealers offices. I was not able to obtain the keys. The excuse was constantly changing ( needed additional repairs, the car was not in the state of georgia and needed to be transported, the car battery died because it sat too long on the lot, it was get detailed, etc. ). By the end of XXXX the dealership stopped responding to my messages. By XX/XX/XXXX I sent a message to a representative of the dealer to let him know I was not longer interested in taking posession of the vehicle. 

I contacted Westlake Financial ( the current holder of my loan ) and repeatedly explained that I never took possession of the vehicle. I got shuffled around and received answers such as that seems like its a problem for you and dealership to you bought the car you pay the loan to you should talk to our dealership compliance department. I have been making multiple attempts to reach someone who is willing to help and Westlake just simply wants to collect rather than deal with the fraudulent dealer. 

XXXX XXXX never delivered the car and Westlake should know that without delivering the car the contract is not executed and they should vacate the debt.
Consumer complaint received 2023-11-02
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (KS)

I bought a XXXX XXXX XXXX for XXXX after everything included it came to XXXX. I gave a XXXX down payment. They did not work with me. I got behind due to COVID they still were piling interest charges and late fees. I voluntarily surrender the car now they are trying to get XXXX dollars out of me. Taking me to court and saying I also need to pay the court cost and fees. After I surrendered the car they still kept charging me until it was sold. They are now in a current lawsuit against them because of their corruptive behavior. I know I'm not the only one fighting this with these people.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST PORTFOLIO SERVICING INC (IL)

I lost my job during Covid and took sick now on XXXX and now Im getting threading calls stating legal action will be taken as if Im going to jail their calling family members and friends about my personal business and I informed company its harrssment calling more then 3 times a day and calling everyone that might know me when they did a skip trace
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A drop in my credit suddenly appeared on three credit reports, XXXX, XXXX, TransUnion showing a delinquent charge on an account that does not belong to me was. It was placed on my credit report wrongfully. I discovered this through an invoice being sent to me with a bill for XXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX I do not have a XXXX  XXXX XXXX account. The purchases on the fraudalen card were made in New Jersey. I live in California. I am now aware that my identity was stolen apparently with the intention of opening up a credit card at the XXXX XXXX  XXXX using my name. It may have been stolen to be used for even more nefarious ways. I do not know how these people or person obtained my SS number or address. This has impacted my credit significantly in a very negative way. I have reported this to the XXXX XXXX XXXXXXXX, law enforcement, SS XXXX. and the local police. I have reported it to each credit agency, and my own bank, XXXX. I hope you can help me fix this problem and have my true credit restored.
Consumer complaint received 2024-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (WA)

Newrez, the mortgage lender, securely messaged me in XX/XX/year> stating they have an uncashed refund check that was issued in XX/XX/year>. I requested that the reissue the refund check and ensure that my contact name and residing address is correct. Newrez issued a new check but did not change the endorsing name to my legal and correct name and they can not confirm where the check was sent. They stated they can not reissue the check as it was cashed on XX/XX/year> but the check was not signed by me personally nor was this check ever within my possession or received
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing once again to your department to dispute this negative entry on my credit report that I believe to be inaccurate. The item in question is : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (KY)

I recently had a vehicle that was behind XXXX months in payments. I called and was told I need to make XXXX to catch up my payments and STOP repossession actions. I was finally able to do this and made a payment of XXXX. Then another XXXX a week later totaling XXXX in XXXX month. My intial payments are just XXXX. These payments where made on XXXX XXXX. 

My next pay came along XXXX days later in which I was only XXXX behind and now just XXXX  days late. While outside I see the repo man looking for my vehicle! After making XXXX on my prior payments they never called off the repossession! I am only now XXXX days behind and owe only XXXX but they sent someone to repo my vehicle. I was told of this happen I will now owe the FULL remaining loan payment of XXXX in full! 

I have called and been hung up on! Spoken to rude and disrespectful customer service representative, that just speak over you or hang up! 

They also blocked my account online that I can no longer make payments online. When I try to call and make a payment I can not get through the automated system to pay that way.I have to try to get a customer service representative. 

When my XXXX calls to try to make a payment she is hung up on or they intentionally remove her name from my file. Removing her name causes her not to be able to access my account. The company is making it difficult for their customer to catch up on their payments and when they do catch up they still dont cancel the repossession. They also make it difficult to make payments. I am still locked out my account and cant even pay XXXX online! I have to call and jump through loops!
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear CFPB representative, On XX/XX/23, I noticed my account had 3 unauthorized withdrawals made in California in the amount of {$2800.00}. I immediately called Bank of America and froze the account but the representative had not initiate a claim until I called in again a few days ( by calling in again regarding the credit ). I later learnt that the unauthorized transactions were done via the teller window and the CCTV footage had been pulled on XX/XX/23. Every time I call BoA, the fraud department alleged the case is being investigated ( which takes 60-90 days ) and no updates. On XX/XX/23, I called again and asked when I would get my {$2800.00} back, the answer I received was " we can't credit the account until the investigation is completed which takes 60-90 days ( same old story ) ''. I insisted to speak to a supervisor and about to file a claim on CFPB. After holding the call for about 10 minutes, the rep. told me she can credit my account with a provisional credit of {$2800.00} and I was hoping the investigation would finish soon. 

A week later, I called again and no result. Today ( XX/XX/23 ), I just made a call and was told the same thing again, the investigation takes 60-90 days. I don't understand why it takes so long to investigate when the CCTV footage had been captured. I just need my money back now, not just provisional credit. 

I have the case number to my claim, if needed, I can provide to you. 

thanks for helping.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/ 2024, i looked at my report. I sent a letter to XXXX, Transunion, And XXXX. on XX/XX/XXXX asking them to reinvestiagate these accounts : Name : XXXX XXXX Number XXXX XXXX XXXX 2024 they sent me their invetagtion and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report 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. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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. XXXX, Transunion, XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITY NATIONAL BANK (NV)

XXXXXXXX  ( a Merchant processing service ) perpetuated a fraudulent ACH withdrawal my business checking account for {$28.00} on XX/XX/XXXX XXXX XXXX 

I did not authorize this ACH, in fact, I provided an email to XXXX rep stating I was not interested in their services. 

When I noticed the fraudulent ACH charge on my business checking account monthly statement, I immediately sent an email to the XXXX  Client Officer, who verified the charge was from XXXX XXXXXXXX. She opened a dispute in XXXXXXXX XXXX XXXX, and as of yesterday, she emailed me to say that " we are at the mercy of the merchant, XXXX XXXX when they wish to respons. '' The Bank refuses to refund my money fraudulent removed from my business checking account, claiming it is up to the merchant to respond. 

I have the PDF of email string ready to send to you.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Consumer complaint received 2023-06-05
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just recently reviewed my profile and Im very upset to the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determined my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirmed that your information posted in my file are correct? I never received any notice from these companies that my dispute is truly mine or correct? As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. 
XXXX XXXX XXXXXXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$1600.00}.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$630.00} ; Medical XXXX Balance : {$930.00} ; XXXX XXXXXXXX Balance : {$890.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$610.00} ; XXXX XXXX
Consumer complaint received 2024-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Valon Technologies, Inc. (MN)

On XX/XX/, my partner, XXXX, reached out to Valon Mortgage to inquire about financial options, expressly seeking information without any intention of initiating a loan application. During the conversation with XXXX XXXX, the loan officer, XXXX shared his financial and personal details. Importantly, I was not part of this initial call, and at no point did I authorize or intend to be involved in a loan application. 

To my dismay, later that day, I received an email notification indicating the initiation of a home equity loan application in my name, with XXXX listed as a co-signer. Despite my lack of interest in pursuing such a loan, I was prompted to submit income and ID documentation, which I promptly dismissed. Subsequently, on XXXX XXXX XXXX I received an email from Valon Mortgage claiming that I had submitted the loan application. Simultaneously, XXXX XXXX reported a credit inquiry by a home mortgage company, causing considerable distress and concern. 

Upon contacting Valon Mortgage, XXXX denied any involvement in the unauthorized application and directed me to XXXX, a senior loan officer. Unfortunately, both XXXX and XXXX proved unhelpful and resistant, refusing to initiate an investigation or provide clarity on the situation. This lack of cooperation has significantly exacerbated the challenges associated with resolving the unauthorized application issue. 

During my call with XXXX on XX/XX/, I explicitly requested the closure of the unauthorized application. Regrettably, my request has not been addressed, and to my astonishment, on XX/XX/, I received another email notification requesting ID verification. 

Furthermore, despite my attempt to follow up with XXXX on XX/XX/, I have not received any response. This lack of communication intensifies my frustration and difficulty in resolving this matter promptly. 

TLTR : An unauthorized home equity loan application was processed and submitted without my knowledge or explicit authorization. This situation has raised significant concerns, as I had not granted consent for such a transaction. The lack of notification or approval on my part prompts the need for a thorough investigation and a swift resolution to rectify this unauthorized action I have been in contact with the mortgage company and the loan officer, XXXX XXXX, who originated and initiated the application. However, they proved to be unhelpful and resistant, refusing my ask for an internal investigation to help provide clarity and rectify the situation
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (IL)

A payment was made to XXXX XXXX  in XX/XX/2022 for {$1400.00} for payment in full. I have a copy of the cleared check. The account still appears on my credit as unpaid. I have made several calls and filed disputes with the bureaus to which they reply it is unpaid. I have sent copies and they still refuse to remove this account. Clearly a violation of the FCRA, not to mention the attempts to collect on a debt paid 2 years ago. I would like this completely removed from my credit as it now has caused issues with my score and prevented me from obtaining other new lines of credit and as a young professional now is the time for me to be building my credit
Consumer complaint received 2023-11-11
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)

In accordance with the Fair Credit Reporting act and XXXX Account # XXXX XXXX XXXX, XXXX original creditor name : XXXX XXXX XXXX For the amount of XXXX. 

Account # XXXX XXXX XXXX XXXX of {$180.00} Has violated my 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.
Consumer complaint received 2024-06-06
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. (OH)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.