davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC (AL)

I have disputed this fraudulent account several times. This has destroyed my credit as a single parent in a rising economy. XXXX XXXX XXXX XXXX XXXX XXXX financer as XXXX XXXX involved up to date customers like myself into a scandoulos scam selling contracts to debt collectors while current, WITHOUT NOTICE, without options just nothing!!!! 

WESTLAKE FINANCIAL CAN NOT PROPERLY SEND VALID DEBT VALIDATION SHOWING ME THAT I HAVE SIGNED A CONTRACT WITH THEM, NOR A SIGNED CONTRACT STATING THAT I AGREE TO PAY WESTLAKE FOR ANY VEHICLE.

I FOUGHT 3 ROUNDS OF DISPUTES TO FINALLY HAVE AMERICAN FINANCIAL DELETED FROM MY PROFILE AFTER FILING COMPLAINTS WITH AL ATTORNEY GENERAL. IT WAS REMOVED FROM MY CREDIT ON XX/XX/23 WESTLAKE IS FRAUDULENTLY REPORTING ON MY CREDIT PROFILE AND PROVIDING ME DOCUMENTS FROM A CLOSED BUSINESS WHOM WAS DISPUTED AND DELETED OFF OF MY CREDIT REPORT XX/XX/23 DUE TO THEIR SCANDALOUS ACTIVITIES AND REPORTING. WESTLAKE PORTFOLIO IS A FRAUDULENT ACCOUNT AND NEEDS TO BE IMMEDIATELY DELETED FROM MY CREDIT REPORT! 

FURTHERMORE, MY LOCAL DMV IS REQUESTING FOR THE REPOSSESSION NOTICE THAT WAS NEVER SENT TO ME BECAUSE WESTLAKE CAN NOT PROPERLY SEND REQUESTED DOCUMENTS TO VALIDATE DEBT NOR HOLDS INTEGRITY FOR HARD WORKING CUSTOMERS.

THE VEHICLE WESTLAKE FINANCIAL REPOSSESSED ON XX/XX/23 NEVER CAME WITH A REPO LETTER I NEED THAT SENT TO ME IMMEDIATELY TO PROVIDE TO THE DMV FOR TAG REIMBURSEMENT COSTS of over {$300.00}. 

THIS FRAUDULENT ACCOUNT NEEDS TO BE DELETED FROM MY PROFILE IMMEDIATELY, A PROPER CEASE AND DESIST AND A PROPER INVESTIGATION FOR A CONTRACT UNDER WESTLAKE WITH MY SIGNATURE!

I AM CLEARLY FRUSTRATED AS I HAVE BEEN DEALING WITH THIS NIGHTMARE ALL YEAR LONG WITH MY CREDIT BEING DESTROYED DUE TO SCANDALOUS ACTIVITIES OF AMERICAN CAR CENTER!!!!!!!!!!!! 

PROOF HAS ALREADY BEEN SENT IN MY LAST COMPLAINT
Consumer complaint received 2023-11-20
Product: Credit 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: DISCOVER BANK (IL)

Submitted a chargeback with Discover against the XXXX XXXX for {$370.00} for not delivering, I was told at first the carrier marks things as delivered before actually delivering and then later promised a refund. The merchant didnt provide that refund as promised. Contacting discover in regards to it and I am left in the complete dark and all of a sudden discover reports the charge without providing any documentation on why and without me being able to provide them proof the merchant promised a refund after not delivering the order as promised and not being able to locate it.
Consumer complaint received 2023-11-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to dispute the accuracy of information on my credit report maintained by your bureau. After a thorough review of my credit history, I have identified an inaccurate late payment entry that I believe may be the result of a bank error or system glitch. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I pride myself on maintaining a strong record of timely payments, and this reported late payment is inconsistent with my financial behavior. I suspect that there may have been a bank error or a system glitch that led to this inaccurate reporting. 
I understand that accurate credit reporting is crucial, and I believe resolving this issue is essential to maintaining the integrity of my credit history. Please investigate the possibility of a bank error or system glitch that may have led to this inaccurate reporting.
Consumer complaint received 2017-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

as you know, i am a client with td bank. on XXXX XXXX i made a deposit of {$600.00} dollars at XXXX XXXX  through the vending machine which is located at XXXX XXXX XXXX XXXX ny in the afternoon, i wen to shop somewhere else i did not find my banking card.i went to the bank to claim my card they told me there is no balunce in my account.therefore, i filed a complaint to the bank. after, 20 days i have no received any answer, i went back to file a second complaint. i went today XXXX XXXX the branch, they informed me my complaint has been denied
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im a victim of identity theft I have been trying to correct inaccurate information on my credit file for the past two years. This my second attempt to correct these errors. Im aware that according to FCRA 611 ( 5 ) ( a ) that if the consumer states after the 15 day reinvestigation that an item of information is inaccurate it must be promptly removed or corrected. Im demanding that these agencies correct my credit file.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I ordered all 3credit reports for this year, I received 2 but did not get equifax wrote me that I had been sent my free report for this year, I called them twice and told them I had not received it. They are asking me to send them a bunch. Of stuff. I tried to get one last year same problem What do I do XXXX orXX/XX/2021
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

In Ordinance with the faircredut Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I Have the right to Privacy.

15 USC 1681 Section 604 A Section 2 States : It also States a Consumer Reporting Agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-04
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: Ad Astra Recovery Services Inc (TX)

As I have stated I have documentation of every letter sent to this company and no response from this company as well. The address  on file for the account is not address I 've had the same address for 9 years. If the com pany had responseded to any certified mail with return signature I sent that would have had my real address to contact me and respond accordingly. I have all the documentation from  USPS  the certified mail I sent was received and signed for my the company no mail from this company was sent to me. Also as I stated a police report and report with the FTC waa filed   XXXX   XXXX    2017. By l aw this company has to mark my account disputed upo n 30 days of the request I sent by mail which was not done and any validation  information binding me to this account was not sent within the allowed leg al 15 da ys. Any disputes marked on my credit reports today will be removed and will mot stand in court as my letters sent to the company are date and time stamped as is the signature from the company when they received the letters I sent. The account needs to be removed from all credit reporting agencies. I will proceed forward with all the documentation and evidence I have for a lawsuit until the accounts are removed from any and all credit reporting agencies. A fraud alert was already placed on my accounts and social as well.
Consumer complaint received 2023-11-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Upon reviewing my credit history, I discovered the presence of a late payment entry that I neither acknowledge nor recognize. 
Account Information : XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Either there may be a system error or this account may be with another holder with the same name.

I believe that this late payment entry may be the result of inaccurate information or a possible mix-up with another account holder who shares my name and similar information. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported late payment and, if necessary, remove it from my credit report. I understand the importance of accurate credit reporting and the impact it has on my financial well-being. 
If there is another account holder with the same or similar name and information, I urge your bureau to take the necessary steps to differentiate our accounts accurately to avoid any future discrepancies.
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (TX)

I opened a card with XXXX XXXX a while ago and never received a card for it. I never knew why. I made a purchase for clothing on their website a few weeks ago, ( see attached documents ) and the shipping address was pulled from their database. IT is an address that I moved from in XXXX, with a phone number I have never used. I did not realize this until the clothing failed to deliver to my home, which is weird because they have delivered items to my current address before this. I contacted them when I did not receive anything in the mail, and the customer service agent and I discussed the issue and she and I discovered the address was incorrect. She noted that I never got a card in the mail and said the cards had been sent to this old address as well. This would explain man issues with this company in the past. She had me open a request for a refund telling me that the refund would process within XXXX  days or so, and then placed a reorder for the items and repay for the order with another credit card. She emailed me the link to open the refund request and the receipts for the new order which is all attached in the documentation. Later the same day I received a rejection notice for the refund of the original items that I ordered and never received. I called and got the run around and after being on hold and told the claims department has this answer and put on hold again. I believe I spoke with XXXX the floor lead, and she forwarded me to the claims department, XXXX who was very nice but unable to refund the money. 

I finally decided to submit a complaint as I just want my original amount refunded, and I'm sick of wasting my time and getting the runaround.
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : BANK OF AMERICA XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (NY)

please remove these inquiries from my credit report ASAP XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX - XX/XX/2023 These Inquiries are not authorized
Consumer complaint received 2017-05-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (NY)

In XX/XX/XXXX I applied for and received a private loan to pay for my XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX University. I successfully graduated my XXXX program in XXXX, and incurred a loan debt of approximately {$60000.00} plus interest.
XXXX first approved my loan, but the debt was later sold to Discover Student Loans. Since receiving my loan in XXXX, I have consistently made my payments on time. I have been gainfully employed since graduating, and currently work for the XXXX XXXX in New York. Nonetheless, my salary is not very high and I have struggled to keep up with the high loan payments. Specifically, I have tried to negotiate my loan payments with Discover Student Loans, and tried to get them to decrease the monthly amount of {$7000.00}, and they have refused to do so. It has been extremely hard to communicate with Discover Student Loans because : 1. They do n't have an actual office in New York and all our communications have been through the phone ; 2. They have increased my loan payments in the past two years even though my salary has remained the same ; and I understand this is a private loan and the interest can go up, but I can not afford to pay $ XXXX monthly given that my salary has not increased. I would like to know if someone from your office and can help me and let me know if I have any options. I am a XXXX citizen, and have a social security number and a working visa, but because I am not a US citizen, many relief programs have been unable to help me. I have a good credit score and this is the only debt I have. I am committed to pay this debt, but need my payments to be more reasonable and proportional to the salary I make. I would appreciate if you could let me know what options I have. Thank you for your time and consideration.
Consumer complaint received 2017-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am disputing this debt collection from Capita l One Secured Credit Card for the following reasons : I was finding it difficult to meet my financial obligations after I lost my job. I owed Capital One   XXXX  dollars, on a secured credit card when the account went into collection. At that point I could barely cover my rent and food. I notified them, but they kept adding on charges. I will repay the {$92.00}, butI asked them to forgive the interest. I now have anoth er Capital One card, Im  paying my credit on time and I am trying to pay my debts and rebuild my credit. They are asking for  XXXX  from the  XXXX  that I originally owed. I received a letter in  XXXX  that offered 40 % off, which would be  XXXX , I would like to settle for this amount only now they are refusing. I am not making a lot of money now as a   XXXX   XXXX  , I am just trying to clear my credit.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (FL)

I am writing to formally submit a complaint against Equifax regarding inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax to address discrepancies in my credit report. Despite my attempt to rectify the situation, I have not received any response from Equifax to date. 
Below are the details of the inaccuracies and the required corrections : XXXXXXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported balance of {$11000.00} is incorrect and causing significant prejudice to my credit reputation. I recall a lower balance, and I request a revision of the Past Due information, as it is inappropriate to present such an amount for a closed, charged-off account. I urge your agency to mark this account as disputed promptly. 


XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$640.00} ) : The reported balance of {$640.00} is inflated and inaccurate. I dispute this amount and intend to contact the creditor directly to correct the information. I request your agency to mark this account as disputed until a resolution is reached. 


XXXX XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$15000.00} ) : The reported balance of {$15000.00} is inflated and inaccurate. I dispute the entire account and insist on verifying the Date Opened and Date of First Delinquency. I have not been contacted by XXXX XXXX, and I request your agency to mark this account as disputed during the investigation. 


XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported balance of {$11000.00} is higher than my recollection. As the account is reported as closed, Past Due information should not be provided. I plan to address this directly with the creditor and request your agency to mark this account as disputed during my attempts to resolve the matter.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

Between XXXX XXXX XXXX, my account received fraudulent charges. By XXXX, Citibank had resolved the issue. 

In XXXX, I received an alert that my account was overdue by 30 days for {$2.00}, and my XXXX XXXX dropped on all XXXX bureaus. Additionally, I received a letter stating that my {$10000.00} credit limit was decreased to {$350.00} due to my account being delinquent. However, my account became delinquent due to an interest charge that Citibank issued me on a fraudulent charge. 

After over XXXX XXXX minute phone calls, over XXXX transfers to different departments and people, and contacting them every way I can other than by mail, the charges have been removed, but my credit report still shows a late payment and my credit limit is still {$350.00}. 

They have done nothing to own up to the mistake or to even help me reach a resolution. This is my final step before filing a civil lawsuit for the damages that have been caused by Citibank to myself and my credit. Ive