davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (AL)

I am a victim of identity theft and data breach. I am writing this complaint against Westlake Financial Services for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I have not opened, made, or initiated any accounts with Westlake Financial Services, but it was updated to a closed account on my consumer credit report. I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) with Westlake Financial Services. 

When I reviewed my credit report on XX/XX/year>, Westlake Financial Services reported to XXXX as an opened account, with a balance of {$15000.00}. To XXXX, Westlake Financial Services reported as an opened account, with the balance of {$11000.00}. As of today, XX/XX/year>, XXXX has reported to both XXXX XXXX XXXX as closed accounts, with a balance of {$15000.00}. 

Furthermore, 15 U.S.C 1681 section 602 A, states that I have privacy.

According to 15 U.S.C 1681 section A, it states a consumer reporting agency can not furnish a account without my written permission.

I have not giving any written instructions to Westlake Financial Services, nor to any credit bureaus to furnish any information on my consumer credit report. Because I do not have any affiliation with Westlake Financial Services.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I request this account to be deleted immediately.
Consumer complaint received 2020-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i have file two different disputes one on XX/XX/2020 the other on XX/XX/2020. still have not received anything from the credit bureaus. i understand with the covid19 things are not normal, but i still should have received reports
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (CA)

I will like a refund for all the months that I have been charge for bogus maintenance fees {$12.00}, also a refund for annual fee ( {$49.00} ), even when I close my account XXXX years ago, thanks I'm having trouble closing this credit card because every month I get charge for maintenance fees and annual fees, my balance never goes down XXXX is the name in front of the card, issued by XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have been fighting with this company for a year trying to resolve this matter, Last I have sent a letter and email to the CEO of the company to resolve this issue! 


Its a big clear mistake thats a violation of the law : 15 Us Code 1666b Timing of Payments I will include in my proof in my images below! This is a big violation and against the law this is not fare at all for them to continue to do this just because they are big company and im just one person I Can not get this resolve and I have 100 % CLEAR proof of the company 's big mistake but they wont resolve it and update my account as paid on time! And remove the inaccurate remark of my auto being late as I have never been late on anything in my life with none of my accounts!
Consumer complaint received 2018-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

On XX/XX/XXXX I applied for a personal loan with XXXX XXXX. I was immediately informed of an account in collections in XXXX. I had no idea, I was never sent a bill or so much as a phone call. XXXX XXXX provided me the account information. This is how I first learned of this bill in collections. The same day I filed a dispute throu XXXX since it was showing up through them. The following day I get a call from the debt collection agency. I asked why I was never made aware either mail or phone of this balance.The man said there had been 4 mail and 4 phone attempts to reach me. I told him that was a lie I had never been contacted. He said that the account was not yet sent to collections yet. Which was another lie since I had been made aware one day before that it was. 
XXXX  dispute had been completed and that account was to remain tillXX/XX/XXXX.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (MA)

On XX/XX/XXXX, we sold our condo at XXXX XXXX XXXX, XXXX, MA XXXX. A payoff check was sent by mail, by the lawyer for the buyer to Freedom Mortgage 's payoff department in Indiana. The lawyers name is XXXX XXXX. 

Almost a month later, I received a mortgage statement and call from Freedom Mortgage stating that the loan was still active and they hadn't received my XXXX payment. Upon calling Freedom mortgage, they told me that no payoff check was received. I emailed my lawyer and the buyers lawyer and I received the loan disclosure and the XXXX  receipt showing the check being received on XX/XX/XXXX. 

I called Freedom mortgage on XX/XX/XXXX and they said that it was an internal issue and they would be working to resolve the issue and locate the check. I was informed that because the issue was on their side, they wouldn't send any negative credit reporting information to the three bureaus. 

Over the course of the next week, I called Freedom mortgage each day, sometimes multiple times a day. Within a 48 hour period, I was once told that they didn't have the check, then they found it and sent it back because it was made out to the wrong amount and then when I called the next day, I was told that the check was never received and they were unsure of why the customer service rep told me that it was mailed back. All of these calls can be verified because they are recorded by Freedom Mortgage although not available without a court subpoena. 

On XX/XX/XXXX, I was informed by XXXX XXXX at Freedom Mortgage that the check had been sent back to the office of the lawyer of the buyer of my condo on XX/XX/XXXX because it was not signed. The lawyer for the buyer had moved offices and didn't know that the check had been sent back. XXXX sent me a XXXX receipt. 

The lawyer for the buyer and I then worked with Freedom Mortgage to get the new payoff amount and it was processed on XX/XX/XXXX. 

A few weeks into XXXX, I got an alert from XXXX that my credit score had dropped 114 points because of the late payment. I called Freedom Mortgage and asked them to inform the agencies of how the late payment wasn't my fault and they said they wouldn't. They told me that the error was on the side of the buyers lawyer despite the fact that it took them 2 weeks to figure out they had send the check back on XX/XX/XXXX. 

I filed a dispute with all three agencies and am awaiting their findings.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX  & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

According to the Fair Credit Billing Act, the credit card company has 90 days to investigate and properly communicate to me the results of my dispute. The credit card company failed to acknowledge my dispute complaint when I initiated it back in XX/XX/2022 and subsequently they never mailed me documents following up about the dispute and instead they closed it themselves without any explanation to me and they did this after the 90 day period in late XX/XX/2022 well past the 90 days. The reason for the dispute is that I was promised a credit refund on this card from Lowes that I never received from the store. I had written communication from the management that promised me such a credit refund. Despite me explaining to the credit card company the circumstances, they still decided to improperly file the dispute as me not receiving the products or service when I never made such a claim to them. This mistake further delayed the dispute process. 

I have reasonably doubt that the dispute was not done in good faith because even when I sent in copies of my communication with the store, the credit card company did not follow up to ask questions surrounding the circumstance and did not communicate at all with any updates. After Lowes closed the investigation and I had no other recourse, I finally was able to meet with the manager at Lowes who confirmed the credit due to me and issued the appropriate refund. 

However, during the investigation, I was not able to reach Lowes and the credit card company was not taking my complaint at all serious by first not even listening to what I had to say and filing it. After the credit card company denied my dispute some months after, Lowes did issue the appropriate refund. However, I still think that the Lowes credit card should pay me the sum of the dispute amount as penalty as penalty for not properly adhering to the FCBA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a Lowes 4 Pros account. If you need any additional information, please contact me at XXXX.
Consumer complaint received 2024-01-04
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. (NV)

I asked Experian to remove a repossession from my credit report because it was included in a XXXX XXXX bankruptcy. I sent a copy of the XXXX XXXX paperwork and they apparently did not even look at the XXXX. Within a few days I was sent a form letter telling me that Experian had contacted the bank and the bank said it was a valid collection. The bank had turned the collection over to a collection agent who contacted me. The collection agent said that the loan was covered in the XXXX and that he had closed the collection case. If a collection company says the loan was uncollectable because it was included in a XXXX, then Experian should have at least looked at the XXXX paperwork and addressed that issue. However, they never even acknowledged that they examined or researched the XXXX.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (TX)

I took out loan in XXXX  with Sallie Mae. Since then sold to Navient. I have paid my loan in full to Navient but my credit report reflects I owe to dept. of education. I do not know anything about this charge and want it resolved.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (VA)

I received an alert from credit wise that my XXXX XXXX went down approximately XXXX points. This did not make much sense to me, as I have not had any significant financial changes. When I inquired further, MOHELA had reported this month that I had double the student loan accounts than I do to XXXX ( I have XXXX MOHELA student loans, they are reporting I have XXXX and double the student debt. ) MOHELA reported to XXXX that all XXXX of my student loan accounts were closed and then subsequently re-opened, which is also incorrect. I received this notification on XX/XX/year>. I reached out to MOHELA, but no one answered. I filed a complaint on the federal student aid website and sent disputes to the respective credit bureaus. There does not seem to be a change to my XXXX reporting.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (GA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

I've disputed the following Collection Companies listed on my credit reports with XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX about the reported information being currently reported as inaccurate information. 


****Unauthorized Collection Accounts**** XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX {$190.00}, XX/XX/year>XXXX XXXX XXXX XXXX {$1900.00}, XX/XX/year> XXXX  XXXX XXXX XXXX {$1800.00}
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

For years I have been trying to get my personal information corrected with this Equifax. I have sent serveral requests and notices to Equifax to make changes and corrections to my profile they are furnishing without proper consent or permisble puupose. After years I have took it upon myself to read on my consumer rights under the fair credit resporting act and fair debt collections practice act. I understand where I have been violated on many times and ignored. 

Below is information that's a clear violation of my rights under the FRCA & FDCPA. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX *This account is a charge off, there should be no balance owed. 
*There should be no credit limit on a charge off. 
*Creditors can not attempt to collect a debt if charged off the books with the IRS *This account have been reaged.

( 4 ) FCRA violations found on this account Delete this account for inaccurate credit reporting under the FCRA & FDCPA violations.

XXXX did not provide me with proper disclosure. Therefore this account should have never been furnished. Please provide me with my wet signature on this contract or agreement. Please provide me where I signed to opt-in and the option your company provided me to opt-out full disclosure as stated 12 CFR 1016.7 - form of opt out notice to consumers ; opt out methods I am excersing my right to claim damages for {$1000.00} each violation ( 5 ) mentioned as per 15 U.S code 1692k - Civil Liability 1. 15 U.S CODE 1692g - Validation of debt 2. 15 U.S CODE 1681i - ( 5 ) Removal of Inaccurate Unverified Credit Inforamtion 3. 15 U.S CODE 1692e - False or Misleading representation 4. 15 U.S CODE 1681b - Inaccurate False Reporting 5. 15 U.S CODE 1681b ( a ) ( 2 ) Permissible Purpose
Consumer complaint received 2023-01-14
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. (VA)

Equifax has gone over and beyond to lock access to my Equifax ID, XXXX  against me several times & while I am in a security freeze is failing to take accountability for their bad dispute/reporting procedures
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Klarna AB (TX)

XX/XX/2022, {$840.00}, WITH Klarna who I contact to confirm my purchase limit was told it was {$560.00}, I went to purchase an order that was {$840.00} and was asked for {$490.00} down, which was available in My Account, went to complete checkout and the order was blocked stating " unable to complete '' after being lied to by a Servicing rep who could not explain earlier why a cheaper order was approved and told me the reason, gave me the paydown amt and blocked the order.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I tried to submit a dispute online so that I could attach the military orders. The agency 's system would not allow me to submit the information online so I did it by phone. Without the documentation, the collection agency is refusing to act so the agency validated the collection. This is ridiculous and I do not owe this debt to XXXX XXXX XX/XX/XXXX due to XXXX and lease cancellation.
Consumer complaint received 2023-03-08
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX is reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in your bureau. If your record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. Thank you. 

XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

XXXX XXXX Balance Owed : {$3200.00} - XXXX Credit Bureau is reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you.
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the inaccurate and unverified collection accounts that have been reported by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX on my credit report. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information to the credit reporting agencies. 

I am deeply affected by these inaccuracies, and it has caused significant harm to my credit history and financial well-being. These incorrect entries have made it difficult for me to obtain credit or loans and have caused unnecessary stress and anxiety in my life. Despite my repeated attempts to resolve these issues with the creditors, they have failed to take any corrective action. 

I request the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal protections that are in place to ensure that creditors report accurate information to the credit reporting agencies. It is essential that the creditors comply with the FCRA, which requires them to provide accurate information and investigate any disputes raised by consumers. 

I urge the CFPB to investigate these violations and take appropriate action against these creditors. I also request that the creditors remove these unverified collection accounts from my credit report, as they have no basis in fact. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX