davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

This is the continuation of the CFPB complaint XXXX I submitted on XX/XX/2023 ( the " Complaint '' ). American Express National Bank 's response for the Complaint ( the " Response '' ) has not mentioned or answered any of my points in the Complaint, especially, American Express has not explained why it has never sued me in the court for the {$10000.00} debt it reported in my credit report ( the " Debt '' ), or claimed damages against me through mediation or arbitration for the Debt. American Express stated " We were unable to locate the interaction mentioned in your complaint. ", if this means that the Cardmember Agreement ( " XXXX '' ) does not include American Express ' rights to sue me to claim the damages caused by the Debt, American Express must promise not to sue anyone that do not pay their American Express credit cards and owe money to American Express.

Also, American Express stated in the Response that " The XXXX contains a Claims Resolution provision which explains how claims can be resolved through mediation, arbitration, or litigation. All Card Members must follow the Claims Resolution process outlined in the XXXX for all legal claims. We have enclosed a copy of the XXXX for your review. ", this is irrelevant to the Complaint as the Complaint did not claim damages against American Express, and the Complaint only requested American Express to sue me to claim its own damages caused by the Debt against me.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have made numerous attempts to correct this issue with Kohls through the complaints/disputes filed with the 3 credit bureaus ( XXXX, XXXX, and XXXX ). The debt is a charge off but continues to show a past due amount of {$1100.00}, reflecting this as open revolving credit when it should report as {$0.00}. In addition I requested a 1099c form if this debt is in fact a charge off, as I would like to audit this debt with the IRS, and if it is fraudulent I would like to report it, as incorrect documentation and reporting on the credit report is a direct violation of the FCRA 15 USC 1681 eb.
Consumer complaint received 2023-05-09
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. (FL)

XXXX XXXX DATE XX/XX/XXXX XXXXXXXX XXXX-INQUIRY DATE : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXINQUIRY DATE XX/XX/XXXX XXXX XXXX XXXXINQUIRY DATE : XX/XX/XXXX XXXXXXXX XXXX XXXX INQUIRY DATEXXXX
Consumer complaint received 2023-05-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MN)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX  data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-05-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (SC)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights ot privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 3XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave 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.

Delete this account immediately, unless you want to be held {$1000.00} per violation 4.XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States Ihave 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.

Please delete late payments immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2023-08-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (SC)

Purchase a vehicle from XXXX XXXX XXXX on XXXX XXXX XXXX no on from the company never contact me or anything this year 2023 ever since then this vehicle give me problem and this company want bankrupt and I lose over {$4000.00} now westlake management involved now. Im so frustrated and fed up for this nonsense. They can repaired vehicle just refund all of my money. I refuse to make another payment for what and why the car in the shop. The vehicle is out of service and not drive able. What is next step to therefore I or we can move forward
Consumer complaint received 2023-07-01
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. (MD)

I was a victim of Fraud/ Identity theft XX/XX/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 2023-08-11
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I would like to have these unauthorized fraudulent inquiries removed from my credit report XXXX Inquiry : XXXX XXXX, XXXX  + Department/Variety and Other Retail ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXXXXXX XXXX
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

I have sent 2 separate but the same documents and written testimony of dates and to the best of truth against a repair shop, a towing company and Western Lending who is the car lender and involved in the end result of me never being told XX/XX/2023 when they offered me a 6 month/ {$600.00} deal for {$3500.00} to outright own my car that my original car loan has been put as a charge off on my XXXX XXXX XXXX mom and my credit report, and never once sent me any written or mailed document they did so or informed me in XXXX when a XXXX loan agreement was verbally made or I would of taken thought and made a possibly better decision over the crippling situation a lender I have kept my promise and in not default of, has done nothing but be the ones who accused me without knowing the whole truth of my vehicle being towed, accused me of breaking promises to them, has hung up more than once on me, has hung up on my mom and her bank when they called to ask about charges and money they pulled on her debit card, they have denied providing me a copy of the original loan agreement to see what proof and right I don't have to be accused of this tow nobody I guess can have happen or they take my vehicle, sell it possibly to the owner of that repair shop I wouldn't sell it to who knew the importance of and knew how
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NJ)

I opened an account with Truist online I founded the account with {$50.00} The day after the account was opened my account was blocked. 
Truist stopped all credit and debits on my account and referred me over to XXXX XXXX XXXX. 
XXXX XXXX XXXX took a couple weeks to reach back out to me and finally I couldnt even see whats on my record. I went to the branch and the teller told me infront of other clients my account was closed on fraud. The banker stated she had to submit a form because I was asking her to refund XXXX msf that were charged on my account a total of XXXX . She said I shouldve opened the account with XXXX to avoid any fees. She said she would submit a refund form but never got in touch with me. I called customer service a week ago never got a call back. I just want my money back because I was charged for an account incorrectly.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TradeStation Group, Inc. (FL)

TradeStation is falsely claiming that they are unable to withdraw my funds to my linked bank account XXXX XXXX XXXX XXXX XXXX. I have had this bank account for over a decade and I do weekly ACH transfers. There is absolutely no reason why my withdrawal / transfer request should not be processed. 

Because TradeStation falsely claims they were unable to process the ACH transfer / withdrawal of my funds, I was informed over chat by TradeStation that they have DISABLED ACH transfers for my account. 

All of this is unacceptable. I want to withdraw my funds from my account into my bank account immediately. 

Furthermore, there should be {$610.00} in my TradeStation account but when I checked my account balance after this " issue '' started, it is currently showing me a {$580.00} balance. I don't understand what is going on. The ACH " SmartTransfer '' ( ACH ) issue is on TradeStation 's end. It's the same bank account that I have used for over 10 years, every week for transfers, I have never had a failed transfer. There is an issue on TradeStation 's end. 

I reached out to this company multiple times and they did not provide any help or resolution. Nor were they understanding at all.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. XXXX XXXX XXXX  XXXX remove late payments XXXX. XXXX XXXX XXXX XXXX XXXX remove the account and the 30 days late XXXX XXXX XXXX XXXX XXXX  Remove account XXXX. XXXX XXXX XXXX XXXX remove the account XXXX. XXXX XXXX Remove account, not in collections XXXX. XXXX XXXX XXXX Remove account should not be on the report XXXX. XXXX XXXX XXXX remove from mortgage report and all credit reports XXXX. XXXX XXXX XXXX XXXX XXXX  removes any remarks XXXX. Remove all addresses that are not XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. Remove all names that are not XXXX XXXX XXXX XXXX. Remove my social security from all reports XXXX. Remove all inquiries from my credit report I did not approve XXXX. Remove all XXXX XXXX or late payments from all accounts that apply XXXX. Remove XXXX XXXX XXXX XXXX. Remove XXXX XXXX XXXX. Remove account all late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. Remove XXXX XXXX XXXX XXXX XXXX. Remove all closed accounts from all reports 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 XXXX XXXX 

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 2021-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF THE WEST (CA)

I noticed on my credit report the company name XXXX XXXX XXXX XXXX/XXXX is reporting false information on my credit report. I never had an collection account with this company. They reporting an collection account on my credit report and causing me to have an negative account on my credit report. I sent proper documentation showing that it was a inaccurate account and I file a dispute with the credit bureau and they havent removed this false account off my credit report.
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC (AL)

In accordance with the Fair Credit Reporting act Scotts & Associates File # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-10
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. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-07-01
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. (AL)

Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title XXXX XXXX... was XXXX XXXX XXXX XXXX XXXX  it's reporting under the law they can't do this never received notes from these companies of being late..
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I recently purchased a vehicle from Us Auto Financing on XX/XX/2019 in which the cash price of the vehicle was set at {$17000.00}. After Us Auto added their fee 's for service contract, XXXX XXXX ( {$790.00} ), amongst other fee 's my contract totaled out to be {$20000.00}. I was informed that I had also purchase collateral protection insurance to cover my vehicle while also having full coverage insurance, but later found out I did not need it. I was charged for the collateral protection the whole duration of my contract even after I sent in information stating I had my own full coverage insurance. I also had a device on my car called XXXX which allowed US Auto to stop by car for being late on a payment which I was never more than a week late. They also charged me extra fee 's to turn my car back on. I recently found out that US Auto sold my contract to Westlake Portfolio Management and now I have collection on my credit in the amount of {$10000.00} I did not agree to sign a contract with Westlake Portfolio Management and was not informed until after the my contract was sold to them I have sent Us Auto Servicing and Westlake Portfolio Management a cease and desist along with affidavit of truth through certified mail and have not gotten any kind of response. I am ready to taker next legal actions to correct this issue. XXXX copies of my serve contract, XXXX XXXX, Warranty 's and etc.
Consumer complaint received 2023-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (AZ)

I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

This is a follow-up to complaint ID XXXX. In my complaint, I noted that I believed that Nationstar Mortgage, dba Mr. Cooper, had violated 15 USC 1639f ( b ). That statute requires a mortgage servicer to promptly credit any payment it accepts.

If the payment is not in compliance with the servicer 's written policies, but it nonetheless accepts the payment, it must credit it within five days.

In my original complaint, I alleged that Nationstar did accept my {$57000.00} payment of XXXX XXXX, 2022, and held it for more than a week, then returned it. I believe Nationstar violated federal law in doing so, which incurred additional interest for my final payoff. 

I am requesting that Nationstar be required to respond to that specific portion of my complaint, either explaining why they believe 15 USC 1639f ( b ) does not apply, or why they have not refunded the additional interest they charged me for their violation of the law.

I am also requesting that CFPB legal counsel review my complaint and Nationstar 's response to see whether 15 USC 1639f ( b ) applies and whether the law was violated.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (WI)

I have disputed with Experian, XXXX and XXXX in reference to an account on my credit report that has inaccurate information. All three credit bureaus has stated that the information is accurate. 

The account in reference is : XXXX XXXX XXXX IN account # XXXX ( 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