davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (AL)

I purchased a car in XXXX XXXX, and it is financed by Westlake Financial. They called me and my employer numerous times, to the point I had to tell them I would be written up because due to confidentiality we are not allowed to receive personal calls in the job. They continued to call. They requested all types of documents ( that I did not have to provide when purchasing a home or any other vehicle before )! 

My payment is due on the XXXX of every month, but I have a 10 day grace period before I am late. However, on the XXXX they begin harassing me and will call my phone 3-5 times or more everyday!! I have told them I am NOT allowed to receive personal calls on my job and to contact me by email or postal mail & ONLY if I am past due ( after the XXXX )! I have NEVER been past due & they still call back-to-back!! Ive tried blocking them and they will call from various numbers, now early in the mornings or late at night ( even on Saturday & Sunday )! I have asked my car salesman to trade this vehicle or refer me to someone for refinancing because I have NEVER been harassed by anyone like this before!!
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, 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. (PA)

Experian Report # XXXX XX/XX/XXXX Experian has on my credit report Inquires shared that I did not approve or sign giving consent to the Inquires> Experian needs to remove the ones I listed and/or proof the source the document I gave them to consent to check or run my credit. I need document that shows my signature or remove from my credit file. Some Inquires I approved The ones I listed I did not consent to or sign as it shows the same companies running credit or dates I did not apply for credit. 

1 XXXX XXXX XXXX. XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX 3 XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XXXX XXXX XX/XX/XXXX 5 XXXX XX/XX/XXXX 6 XXXX   XXXX  XX/XX/XXXX 7 XXXX XX/XX/XXXX 8 XXXX XXXX XXXX XX/XX/XXXX 9 XXXX XXXX XXXX XX/XX/XXXX 10 XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX 11 XXXX/XXXX XX/XX/XXXX 12 XXXX XXXX XXXX XXXX XX/XX/XXXX 13 XXXX/ XXXX/XXXX XXXX 14 XXXX  XXXX XXXX XX/XX/XXXX These companies I did not apply for credit in any way and who ever ran the credit did fraud and I need documents of my signature to these companies and the Inquiries Deleted/Remove.
Consumer complaint received 2023-10-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc. (FL)

According to 15 U.S. Code 1692e ( 4 ) States ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

Also In accordance with the Fair Credit Reporting Act, CARMAX AUTO FINANCE, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose. 


A judicial order is needed to repossess a vehicle and the company has failed to provide that order. 




XXXX XXXX XXXX
Consumer complaint received 2023-10-14
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. (FL)

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. 

XXXX XXXXXXXX XXXX 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 an 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 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Back when I was a college student in XXXX, XXXX XXXX XXXX reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. 

Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because XXXX XXXX XXXX was still reporting me for " account abuse ''. I am confused because five years ago in XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the Chexsystems entry based on its inaccuracy. 

Then when my mother tried to open a checking account at another bank, she was also denied because apparently XXXX XXXX XXXX switched my information with hers. Recently, we visited a local XXXX XXXX XXXX   branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead.

This has caused a tremendous amount of confusion and distress for me and my mother. I want the Chexsystems   entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.
Consumer complaint received 2023-05-10
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: Ray Klein, Inc. (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX and do not have a contract with Professional Credit Services. They did not provide me with the original application like i asked.
Consumer complaint received 2023-05-16
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-10-14
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. (GA)

Re : Request for Immediate Correction of Inaccurate Information on My Credit Report I am writing to bring to your attention that you are continuing to furnish personal information on my credit report that is inaccurate, does not belong to me, and is not compliant pursuant to the Fair Credit Reporting Act ( FCRA ). I had previously submitted a letter dated XX/XX/2023, challenging these inaccuracies. Please find the original letter attached for your reference. 

Upon reviewing my most recent credit report, I was dismayed to find that the incorrect information is still being reported. This is unacceptable and needs to be rectified immediately. 

Personal Information for Experian NAME : XXXX XXXX XXXX XXXX The only name I go by is XXXX XXXX XXXX Please remove any name you have in your system that does not match XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The only residence I reside at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-13
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. (TN)

IMPROPER COLLECTIONS ON CREDIT REPORT PAYMENT HISTORY LISTED ON CREDIT REPORT UNAUTHORIZED THERE ARE SEVERAL ACCOUNTS OVER 7 YEARS OLD SOLD TO COLLECTION AGENCIES. 
INACCURATE DATES OF ACCOUNT OPEN DATES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH IS INACCURATE. 
XXXX, XXXX STATED I HAVE A CHARGED OFF AMOUNT OF {$450.00}. THIS IS INACCURATE. I WOULD LIKE TO SEE BAN STATEMENTS THAT I HAVE PREVIOUSLY REQUESTED ALONG WITH SIGNED DOCUMENTS OF WITHDRAWLS AND OVERAGES ON THE ACCOUNT. I NEVER RECEIVED THIS INFORMATION AFTER DISPUTING THIS ON THE XXXX APPROX. 2 YEARS AGO. I HAVE ALSO TRIED GOING TO THE BRANCH AND FOUND THAT IT HAS BEEN CLOSED. I NEED SIGNED DOCUMENTS PLEASE BECAUSE IDENTIFICATION IS NOT ALWAYS REQUIRED INSIDE OF YOUR ESTABLISHMENTS. ALSO MY XXXX REPORT STATES THAT THERE IS NO DATA AVAILABLE FOR XX/XX/XXXX UNDER MY PAYMENT HISTORY. PROVIDING ALL OTHER MONTHS BEFORE AND AFTER XX/XX/XXXX IS AVAILABLE ABOUT THE ALLEDGED DEBT I OWE. 
XXXX XXXX XXXX- CREDIT CARD ACCOUNT REPORTS MY CREDIT LIMIT WAS {$230.00} WITH A BALANCE OF $ XXXX IS INACCURATE. MY CREDIT LIMIT REPORTED BY XXXX XXXX IS INACCURATE AND SHOULD BE REMOVED FROM MY CREDIT REPORT. FIRST PREMIERE REPORTS ON MY XXXX REPORT THAT MY LAST PAYMENT WAS XX/XX/XXXX HOWEVER MY PAYMENT HISTORY REFLECTS PAYMENTS RECEIVED IN XXXX XXXX AS WELL AS XX/XX/XXXX THIS INFORMATION IS NOT ACCURATE AND GIVES CONFUSING INFORMATION ON THE PAYMENT HISTORY AND IS INACCURATE. THIS INACCURATE REPORT SHOULD BE REMOVED FROM MY REPORT AS WELL. 
XXXX XXXX XXXX THAT THE ACCOUNT HAS BEEN CLOSED AT CREDIT XXXX 'S REQUEST AND THIS IS INACCURATE. I CURRENTLY HAVE A OPEN ACCOUNT WITH A {$200.00} CREDIT LIMIT AVAILABLE AS OF XXXX XXXX PER XXXX WEBSITE. THIS INFORMATION ABOUT ACCOUNT BEING CLOSED REFLECTES NEGATIVELY ON ME AND SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
*
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (MA)

I tried to increase my credit limit on my XXXX XXXX XXXX Card ( with Chase ) multiple times but it has been denied almost every time. 
They gave a very awfully low credit line of {$1000.00} on my card. Because of this credit limit, I couldnt even buy my favourite products from XXXX during the XXXX XXXX XXXX Sale ( XXXX XXXX ). It is an irony that I can not use my XXXX XXXX card on XXXX days to buy products off XXXX. 
This credit limit is the least of any credit cards I have and Chase wont increase for some non-concrete reasons. 
They dont even try to listen to customers perspective and just keep denying extra line of credit. My monthly income is three times more than Chases credit limit. It is that meagre. 
I believe that Chase treats me unfairly and is discriminating me.
Consumer complaint received 2023-10-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2023, I was scammed by someone claiming to be a Navy Federal Credit Union ( NFCU ) representative after I received what looked like a notification from NFCU notifying that someone was using my card. ( see attachment of screenshot of phishing text received ) After I declined that it was me, I received a call from the same number as the NFCU number asking for me to verify my identity by reading a code sent to me by email. I was under work duress and didn't fully understand what was being sent to me, but it ended up being the code to reset my password. 

I was unaware that I was not speaking to an actual NFCU representative, but a scammer. After that they then transferred me to another scammer who said that someone was using my account as a mule to launder money and that I needed to transfer the laundered money to one of their representatives via XXXX XXXX. At that time, they were posing as Navy Federal Credit Union on XXXX XXXX which later changed to a different user. ( See screenshot of XXXX XXXX scammer user account AFTER transactions occurred. ) Throughout all this, I was never formally notified by NFCU that a loan had been taken out in my name. I did not sign a loan agreement and I had no idea that the money I transferred was actually a loan of {$9000.00} they took out under my name. The scammers, under the guise of NFCU representatives, were advising me to transfer the money out, telling me that it was " laundered '' money. I was only able to transfer {$4900.00} of the " laundered '' money to them and when they realized I couldn't transfer the rest they said they'd call me back later. 

On XX/XX/2023, at about XXXX XXXX, I called NFCU and they told me that it looked like fraud. NFCU conducted an investigation and even after they admitted it was fraud, they said that I was still obligated to pay the other {$4900.00} to them because I had " Participated '' in the scam. I was NOT a participant ; I was a victim of fraud.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax continues to show XXXX XXXX, an authorized user account that was already paid in full and closed by my husband 2 months ago, affecting my credit score. XXXX is not showing this account anymore after I made a complaint, Equifax refused to do so and still reporting this account as an open account.
Consumer complaint received 2023-08-18
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)

XXXX XXXX failed to comply with 12 CFR 1026 and is civilly liable to me under 15 USC 1640. Furthermore they have reported incorrect accounting on my consumer report and have not validated with " ledger '' proof of the debt that is said to be owed. This in return has damaged my report. 

Account : XXXX XXXX
Consumer complaint received 2023-09-05
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. (CA)

My credit report is showing late payments to 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. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should have deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by a data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-16
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. (NJ)

i am submitting a complaint about XXXX, transunion, and XXXX. these credit agencies are improperly reporting information on my credit report. here is a list of accounts that are improperly listed on my account... 
XXXX XXXX balance {$6400.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX balance {$4900.00} opened XX/XX/XXXX XXXX XXXX  balance {$23000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX  balance {$150000.00} opened XX/XX/XXXX 15 usc 1681b states that you need written permission by me before you can add anything to my report. i never gave permission for this account to be on my report.. PL 90-321 ( 82 stat 146 ) is a law that backs the code and is even stricter than 15 usc =1681b.. 
you are also not allowed to add information that contains transactions.. 
15 USC 1681e also was created to provide more accuracy to these reports and they are violating this code as well. 
they failed to comply the first dispute so i am entitled to {$1000.00} per violation... i have about 10 items that are inaccurate so {$10000.00} seems fair to me for them ignoring my complaint and being willfully non compliant. every company agrees to this law before operating and are clearly breaking the law by not following it. 
they are also violating the Privacy act of 1974 i also never received a privacy notice before they furnished any info to my consumer credit report... 
i was also never provided with an opt out option ... 12 CFR 1016.7 confirms that there needs to be an opt out option.

15 USC 6802 b states you must give me an opt out notice before anything is added to my report..
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I was a victim of identity theft for 10 years never had a credit card couldnt get one. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-14
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. (PA)

My identity and information was used without my authorization. There are several inquires on my report that I did not authorize. Please investigate and remove all unauthorized inquires on my credit report listed below XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I was told by XXXX XXXX this was updated on XX/XX/XXXX and Experian is not updating it.. 
Please have Experian update it!! Its XXXX not XXXX, makes a big difference with credit scores! I would like to take advantage of better scores and rates. I was turned down by a Credit Bureau for a Refinance and am needing to try again!! 


XXXX XXXX Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes.
Consumer complaint received 2023-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NJ)

I can't get a hold of the company because they have limited hours and I sit on hold and then get hung up on. 
I scheduled my student loan payment for XXXX XXXX XXXX. I then signed up for auto pay and received an email that my auto pay would start on XXXXXXXX XXXX XXXX and that I need to make sure that I have a payment scheduled for XXXX. I went to the website and saw that I couldn't cancel my original payment, but I thought I was all set because autopaXXXX wasn't starting in XXXX ( according to the email ), but then they went ahead and started the autopay for XX/XX/XXXX! 
So I payed XXXX XXXX AND the auto pay started on XXXX XXXX, so they charged me TWICE.