davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (GA)

I financed XXXX XXXX ( XXXX ) in 2020. I set up automatic payments and put two forms of payment on file to ensure there would never be an issue with payments. About a year later, Westlake portfolio became the service provider. I received a letter notifying me they would be the new service provider, but not to worry because nothing would change. Since they never asked me to update any payments, I was under the impression everything was fine on their end. A few months later, I kept getting emails from Westlake stating my payments were late. I logged into the online portal, but it displayed that I was current on automatic payments and showed no disruption in payment history. I made a payment anyway, but it kept happening. Finally, back in XXXX, I got a notification that they had reported late payments to the credit bureau. I called Westlake and immediately told them the situation. I asked them to please remove the late payment. They saw I had the payments set up in the system. I went ahead and paid off the balance, and the person ensured me it would be removed. I paid it off in XXXX, and it is still showing up on my credit report incorrectly. I have tried multiple times to talk with the company, and they keep telling me they can't help me. This company is reckless and unethical.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC (TN)

When I showed up at the dealership ( XXXX XXXX XXXX XXXX ) the same day ( XX/XX/XXXX ) that my girlfriend and I 's car broke down to procure a new one, the XXXX XXXX XXXX which I had called about an XXXX earlier, I showed up in a " XXXX  ''. I got there a little over XXXX hours before my scheduled shift at work. Afterwards, the salesman began questioning me about my other vehicle to which I tried my best to make it seem like I had a second functional one which I did not. After a test drive I decided I liked the car and wanted to finance it. After about XXXX minutes of the finance department coming up with a rate, they told me only one institution would pick up my lease ( Westlake Financial ) and told me the lowest they would go was 25 % apy. I told them that was extortionate. He asked me if I wanted him to see if they would go lower. When he came back he said the new lowest they would go was 23.29 % I asked him why. He told me it was because of how old the car is ( XXXX yrs ) and how many miles it had on it ( XXXX miles ). At this point I had to be at work in less than an hour so I agreed and told myself I would come back to this at a later date. That date was today. 

Earlier today ( XX/XX/XXXX ) I called Westlake because I was having issues processing a payment towards the car. After a while I ended up speaking to a manager about my concerns and asked him if was aware of of discrepancy between my charged interest rate and the legal maximum in TN of 12.5 %. He said he didn't know about that stuff but would happily transfer me to financial after he took my payment. I paid and was then promptly transferred to financial where I told them the same thing. The worker then transferred me again to another manager whom I told my grievances to as well. I told him I would be okay if my rate was at the legal maximum, but preferred 12 %. After being on hold for about XXXX minutes he told me they wouldn't be able to change the interest rate as I had already signed the lease. I then informed him of my intentions to file a complaint with both the Consumer Financial Protections Bureau and the Tennessee Department of Finacial Institutions.
Consumer complaint received 2023-04-14
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S. 1681 SECTION 602 A. STATES I HAVE A 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. 

ON XX/XX/2022, XXXX AND EQUIFAX FALSELY REPORTED XXXX XXXX XXXX XXXX FOR {$340.00} WITH A 346 MONTH TERM AS A COLLECTIONS ACCOUNT ON MY CREDIT PROFILE. THIS WAS AN AUTO INSURANCE POLICY I SIMPLY CHOSE NOT TO RENEW. I HAVE CONTACTED ALL PARTIES VIA PHONE AND DIRECTLY THROUGH THE CREDIT BUREAUS WITH NO SUCCESS.
Consumer complaint received 2023-07-18
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-24
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (WA)

I received notification about this debt on my credit report. I disputed the debt online and also provided proof that I settled this account balance with the previous collection agency that held the debt, XXXX XXXX, XXXX. and/or XXXX, XXXX XXXX  XXXX , XXXX, XXXX XXXX XXXX. This account balance was settled for {$620.00} with the agreement that it was removed from my credit report on XX/XX/2022. I have proof of the settlement offer as well as the receipt of payment. 

After disputing the debt, this collection agency responded that their account information was accurate and continue to report it on my credit with no validation. I am also sending them a certified letter of the written dispute. I held no other balances with the original creditor. Failure to comply with receiving proof of payment that this debt has been paid is a clear violation of the FCRA. I have also attached proof of the settlement agreement with the previous agency. Again, I will be sending a certified letter today outlining the dispute, proof of payment. Failure to remove from my credit report will leave me no choice but to file a lawsuit against this company for failure to comply with the FCRA.
Consumer complaint received 2023-09-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (AL)

I used a buy now pay later feature on XXXX website, a gun retailer, to purchase a firearm that is approximately XXXX dollars in value, TO DATE, I have paid in excess of XXXX dollars towards this purchase, which as show in the pictures I submitted was market to me as 0 % APR, theres even an item on the contract, the XXXX XXXX XXXXXXXX, that I neither received or bought in the first place. Not to mention the sneaky practice of passing my debt to a completely random 3rd party ( Monterey ) when my initial purchase was through XXXX. This is a very shady business thats already been sued for this.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I went to cash my husbands tax refund on XXXX XXXX, they told me I wasnt able to unless I had an account with them so that same day I opened it and made the deposit. The day after I also despaired his work check and like two days later they emailed me that my account was restricted due to the payee not being the same as the account holder. So every time I called them they would tell me different things to do which I did all and now theyre telling me that the only way to verify my husband is by his phone number which doesnt show up. Now theyre saying that thats the only way to release funds and also that they cant return the funds to its original owner due to the checks already being cleared with chase which I think its ridiculous because if there is no way by verifying with the number then Im just gon na loose that money which is not a small amount
Consumer complaint received 2023-04-13
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-09-05
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: Duvera Billing Services, LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (FL)

On XX/XX/2023 I was in a minor fender-bender accident in an XXXX rental car. XXXXXXXX XXXX # XXXX. I have rental coverage with my XXXX XXXX XXXX credit card and filed a claim with Card Benefit Services XXXX  claim # XXXX. 

Viking Client Services has been attempting to collect from me, their claim # XXXX. Apparently XXXX has turned the claim over to a processing company named XXXX. XXXX has claim # XXXX. Rather than contacting my insurance, XXXX has turned the claim to Viking for collection. 

I have reached out by phone several times to both XXXX and XXXX. Apparently XXXX has not responded to XXXX. XXXX informs me that it has been turned over to collections and that they can not recall the claim. 

I have informed Viking that this has been an error and if XXXX wishes to be paid that they can reach out to my insurance. Viking has continued to attempt to collect from me.
Consumer complaint received 2019-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I'm XXXX XXXX I had an account with boa years ago. During that time I was a victim of fraud due to the fact that I cought it in time for the bank suffered no loss my question is what have they put a lifetime band on me as if I'm some criminal. I fully corporated with them as well as press charges against the individuals that did it. So why did they block me from banking with them. I have contacted the several times to try and rectify this situation but only was given the clod shoulder. I went into a branch and was told to call when I called I was referred back to the branch..
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (DE)

On XX/XX/2024 I went to The M & T branch in XXXX, Delaware to open an estate account on behalf of my brother who has recently passed away. I opened up a checking account and deposited a check for XXXX. I was told that the funds would be available in 5 business days. On XX/XX/XXXX I went to the M & T branch in XXXX, DE to withdraw the money from the account. The teller gave me the hardest time. She went to speak with the bank manager, then called the branch in XXXX to verify that I actually opened the account there. After about 20 minutes she made a statement " she's taking all of the money except XXXX. '' Ten minutes after her not being able to reach the manager at the XXXX XXXX she handed me a sealed envelope with a receipt that showed {$6400.00}. I placed the envelope into the bottom of my purse. I left the bank and proceeded to finish running errands. Later on that evening I went home. Took the envelope out and began to count the money and realized that there was a XXXX dollars short. I called the customer service line and reported the missing funds. The next morning I went back to the branch in XXXX and reported it to the bank manager who stated that she will do an audit since the teller wasn't at work that day. The manager stated that she would call me by the end of the day. About XXXX she called and said she didn't find any discrepancies and suggested that " maybe I dropped it. '' I was very upset and told her that she should check the cameras. I was shorted XXXX and needed to finish paying back the money for my brother 's funeral. I am unsure of what to do next. This has never happened to me before.
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
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: Nelnet, Inc. (CA)

My credit report is showing late payments to FM/FIRSTMARK SERVICED 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 FIRSTMARK SERVICEDs customer service representative.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (NY)

On XX/XX/XXXX I sent true accord a letter asking them to validate the Debt they were alleging that I owed. On XXXX it was said that true accord received my letter. I have yet to receive the validation of the debt.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 2 capital One credit cards negative balances on my credit that I did not do or have any knowledge about.they will not let me dispute need to know what going on or who used my name to sign up for capital one. But it was most definitely not me.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

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.

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 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 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Submitted a dispute letter regarding inquires on my report that I do not recognize or authorized XX/XX/2022. I have not received a response. Letter was submitted with other dispute letters regarding my address and Public Records.
Consumer complaint received 2022-09-10
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. (TX)

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. 
1. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 
4. The following status is Incorrect and unverifiable XXXX XXXX XXXX Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 8. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, LA XXXX 13. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-12-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

XXXX5 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose. 
Seeking remedy for these violations
Consumer complaint received 2022-09-10
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. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Consumer complaint received 2022-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (PA)

Debt is still on reports. This was opened in 2015. It is also a family members debt, not mine. Any and all services from this guy were paid in FULL. I have several family members with the same last name that use this dentist. Also, any and all balances were covered by my insurance at that time. I was in college and I paid yearly to have it. My portion was paid. It is NOT my problem if he didnt get paid xyz from insurance. If in fact that is even the case. That office has been known to double bill and claim insurance isnt covering etc. when in fact, they are covering services. I do not owe this bill!! Ive tried repeatedly to resolve with no success. On top of that, it shouldnt even be on my reports at this point its over 7 years old!!