davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (KY)

In XX/XX/XXXX I bought a XX/XX/XXXX XXXX the finance company was Westlake Financial Services out of California. I ended up in Bankruptcy before the car was paid for. They repossessed the car in XX/XX/XXXX. Around XX/XX/XXXX-XX/XX/XXXX there was a Judgement placed against me for the remaining balance of {$3200.00} ( roughly ) The lawyer Westlake used was XXXX. They garnished my bank account, then later they began garnishing my paycheck. This was all fine as I know I owed the money. However now after the bill has been paid the original creditor Westlake Financial Services has sent me a letter stating that the payment had not been received on the Judgement.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (IL)

I received a prepaid AMEX egift card from my company. The card had no instructions for activation. I used it, it got declined in multiple places. You call them, they put you in a queue. A guy in an XXXX call center talks to you. It is a hassle and takes a while. He'll activate your card and it should be good to go in 24 hours. After 24 hours you try to use it and it gets declined again. They will always have an excuse they are protecting you when declining the charges.
Consumer complaint received 2022-12-21
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax I have been turned down for a credit due to misreporting information, I have found inaccuracies still that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I want you to correct this misinformation on my file XXXX  XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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 U.S.C 1681. 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. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. & 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Moreover, I also request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and can verify my complete file information including my full legal name, current address, date of birth and full social security The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have been having problems with my credit card payments with Bank of America. Each time I try to make payment I either have to call to resolve the problem. The system of the bank does not have auto pay cancelllation through online and so I had to call to cancel it. But still didn't solve the problem and they took out money twice for each card for one billing month. So I requested for refund for one each payment. In the meantime, since it takes 2 billing cycle to refund it back to me, I had to make the next month bill. So I made an arrangement for each card making sure it is not past due and more than minimum amount due. Since I always had problems each months I had to check through online every day, if my payment I s correctly made. And again, it says " your payment is past due, please call ''. So I called to BOA to resolve it and find out why I am keep going through this problem. I even spoke with the supervisor on XX/XX/XXXX on the due date to resolve - why my payment didn't go through. ( I even checked with my own bank to make sure they didn't have any problem- which they didn't ) The supervisor told me that the prior agent mistaken wrote the wrong bank account number so he apologized and said he took care of it so I don't have to worry about. So I thought it was resolved. But today, a week later, checked BOA account online and saw the payment still wasn't made. I made sure that the supervisor had the right account number and routing number. And called my bank to see if there is any problem on the system, and they didn't. So I called again to BOA and it automatically put me on the collection department of BOA, and the supervisor told me that I didn't make the payment so it is my responsibility for the payments. I explained the whole story and she didn't even want to listen to me and yelled at me saying " ma'am I don't care I dont see the notes saying thay I made a phone call last week to try to make a payment or resolve this issue ( yes of course at this point I was so upset I had to yell at her too ). My interest rate is going higher each month due to the whole issue ( late fees and interest rates added ). It is not right.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi! 

My account was closed without warning and I have since been unable to redeem the XXXX points that are still listed on the account. 

These points are worth {$740.00} in cash that I should be able to redeem with a direct deposit when the account was facing closure and I was not given the option. Now I can log in and see them but not redeem them. 

I have tried to reach out over the years and have been stonewalled.
Consumer complaint received 2022-11-29
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. (OH)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

DP OF EDUC XXXX XXXX XXXX XXXX XXXXXXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-27
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: EQUIFAX, INC. (IL)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$110.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Audit & Adjustment Co. Inc. (WA)

I was referred to an out-of-network ( which I don't know it's OON ) by a doctor in in-network hospital for doing a XXXX examination while doing the normal examination there. During examination, I confirmed several time that this XXXX should be fully covered by my insurance and I don't need to pay for it. While I was in the XXXX XXXX XXXX on XX/XX/2022, where I did the XXXX exam, I wasn't notified of anything about the potential cost or receipt. Later I received the payment request of the XXXX for over XXXX dollars. 

This is a surprise medical bill, because first I've told this is covered by insurance. Second, I wasn't notified of that the provider is out-of-network and I need to pay for this possibly as well as the cost for this exam in advance. 

Besides, the price for XXXX is extremely higher than regular XXXX XXXX in market ( $ 100-200 is the normal price, but they charged me for {$1300.00} )
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXXXXXX XXXX XXXXXXXX .... Balance : {$8500.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$290.00} ; XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX WY XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX
Consumer complaint received 2022-11-29
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : {$8500.00} ; THE XXXX XXXX XXXX XXXX. Balance : {$290.00} ; XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX WY XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX
Consumer complaint received 2022-11-29
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. (CA)

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 deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I woke up and got a notification that my debit card what not able to use for XXXX XXXX due it being suspended. So I called chase bank customer service and was told that my account had a restriction on it and I needed to be transferred to the fraud center. I got transferred and wasnt not given any explanation on why it was being closed because and that when I opened the account I signed and discloser that the bank didnt have to provide me with any information if the bank chooses to close the account.
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Capital One Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Capital One or To whom it may concern : I'm disputing today because my credit was sold to a credit bureau without my permission. I took a look at my credit report and it says the amount was not paid in full. We came to an agreement and I paid the full amount. A few of my consumer laws have been violated and I demand an investigation of the validity of my account and I need documentation proof that the Debt is assigned to me. You guys violated my rights of 15 U.S. Code 1681. TILA, FDCPA, and SERA. If documentation can not be provided I request removal of the account from my credit report, if you can not provide documentation in the allotted time. 
Thank you for your time. 

( *it has now been more than 30 days an no answer )
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received a debit card from Capital One to my home address for a " 360 Checking '' account that I did not open or consent to. 
I called them immediately to have them close the account and block any further use of my name address and any other information with their company, which they did. 
I checked all my credit burau reports and there wasn't anything remarkable or unknown to me on them. 
This seems like Capital one is opening accounts fraudulently to pump up sales quotas again. 
Worth a look into so that these criminal practices can be stopped.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid 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: CITIBANK, N.A. (NC)

On XX/XX/XXXX, I made a purchase to a store called XXXX XXXX online. The amount was for {$21.00} and another {$30.00} in points that I have accumulated on my credit card. When I receive the merchandise it was not as described so I returned it immediately. XXXX XXXX told me they do not give refunds just store credit. I found that to be unacceptable. I contacted the disputes department and told them I wanted my money back. After months of them, wasting my time, they finally sent me a message telling me they could not help me. When I called to discuss why the customer service representative told me that the company agreed to give me my money back if they just supplied them with the proper information. Which is the exact opposite of what their letter told me. I can not believe that they are going to ruin our relationship with me considering that I spend about {$3000.00} a month on this card. I just want my {$53.00} back. I have never dealt with such incompetent people. This is the second time Ive had an issue with them on a dispute.
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (LA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Investigate and make sure everything is correct, if not delete it from my credit report. Violation is misleading FDCPA Section 807. This agency is in violation of 15 USC 1692g. they were to notify my of this in writing 5 days prior and I was not. As the original creditor only I can validate this debt. I do not validate this debt. Inaccurate information is being published on my account XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company (FL)

During the purchase of a home I was initially quoted in writing from the loan officer ( XXXX XXXX ) at DHI a loan estimate which has changed several times now. Each time the numbers changed and did not make sense to me. I consulted with the Mortgage processor XXXX, who is the person in charge of my file and is responsible for gathering all the final documents for the underwriters review. I asked her if she could perhaps explain the substantially large increase on my file in XXXX 's absence as XXXX told me I can go to XXXX while she is out of the office for any questions. XXXX also was confused about the increase on the loan estimate dated XX/XX/2023. The only extra charge she understood and was able to explain was an extra {$500.00} dollars that I am being charged extra because the property I am trying to purchase appraised lower than expected and I have to pay the difference. XXXX said she would let XXXX 's boss XXXX XXXX XXXX know about the situation and she would get back to me regarding all other extra charges. When I spoke with XXXX and I questioned an additional {$8800.00} XXXX payment charge appearing on my loan estimate she could not give me an answer and said she would have to get back with me. I then asked for help from my realtor XXXX, he and I asked to speak with the Loan officer manageXXXX ( XXXX ) once again and while on a conference call on XX/XX/2023 she admitted that her loan officer ( XXXX XXXX ) had made several mistakes on my loan estimate. These mistakes include Property taxes errors for improved land versus unimproved land. This large sum difference was added to my down payment line item. When I asked XXXX about the additional XXXX she said this was a glitch in their system. I asked her why if she knew about the glitch, why it was not fixed and she could not answer. She seemed puzzled with my question. At this point I felt that I am deliberately being confused by this Representative. It feels like a bait and switch scheme when she talks about the numbers. I am now extremely concerned because I was expecting to close on the home on XX/XX/2023 and with that in mind I paid down payments on movers and made many arrangements to move. All of this insecurity has me very nervous and can cause me to lose a lot of money as I am purchasing this new home to accommodate my XXXX mom that lives with me and as I explained to the loan officer originally I need this home as it is handicap accessible and it will help me assist my moms deeds. As you can imagine the lack of transparency in this process is very concerning to me and I am reaching out for help.