davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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 (CA)

account no. XXXX Westlake Financial for the amount of XXXX. 


Dispute of Unauthorized Disclosure of Information Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure of my personal information by your agency, as outlined in 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered that you have furnished or obtained my information without my explicit written consent. 

As per the FCRA regulations, it is imperative that any agency seeking to obtain or furnish an individuals credit information must first obtain written consent from the said individual. I wish to assert that I have never provided written consent to your agency to furnish or obtain my personal information. 

This unauthorized disclosure of my information not only violates my rights under the FCRA but also poses a significant risk to my privacy and financial well-being. I demand immediate cessation of any further disclosure or obtaining of my information without my explicit written consent. 

Furthermore, I request that you conduct a thorough investigation into this matter and provide me with documentation demonstrating the written consent I purportedly provided for the disclosure of my information. If you are unable to furnish such documentation, I expect a prompt correction of my credit report to remove any inaccuracies resulting from this unauthorized disclosure. 

Please acknowledge receipt of this dispute letter within the timeframe prescribed by law and inform me of the steps you will be taking to rectify this situation. Failure to comply with the FCRA regulations may result in legal action being pursued against your agency. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  XXXX XXXX ( Total Credit ) VISA I applied for this card Not sure of date After having the card awhile I was " Offered '' to receive a XXXX XXXX  card.. I filled out the form and a new card... NOT another card a new card came in mail. Balance was same. Because to start a New card You had to pay up front {$89.00}. the website is XXXX which You can see what is offered. The card has no amenities, ,NO chip, can only pay one way cant rent!! minimum {$300.00} and they charge {$8.00} plus interest every month. with a balance or not forever!!! As my credit got better Offers came in and I wanted to close the card eventually. 
What they did issued the new card and did not close the other.. as I paid the bill, I was informed after 60 days.. I was late!! I did not pay my other card. After them acknowledging the ERROR.. the information returned on my report and Ive Disputed it several times. I am holding these people accountable to this. I will go further with the complaint.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I got a notification from my XXXX XXXX XXXX  that XXXX XXXX XXXX was running my credit I called XXXX XXXX XXXX and they told me that XXXX was inquiring on my credit because they opened and account using my name but a last name that I havent use in years for an XXXX that I never orderedhowever XXXX XXXX also told me that even though XXXX was checking on my credit they dont have anything under my name. called XXXX, XXXX does not have an account under my name and I opened and investigation with XXXX XXXX XXXX and XXXX. And even though they told me that I didnt have an Account with them I got a bill from XXXX XXXX XXXX. I also reported it to XXXX  and FTC
Consumer complaint received 2021-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA (MD)

I XXXX XXXX, entered into a consumer credit transaction with Goldman Sachs Bank Usa on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Goldman Sachs Bank Usa, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Goldman Sachs Bank Usa never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Consumer complaint received 2021-09-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc. (FL)

When I applied for this line of credit, I was never offered the payment protection should I become unemployed or incapacitated. I reached out many times, as I was laid off due to COVID-19, and the company never offered any help. I come to find out, all of this time, they had a payment protection program which could have helped me eliminate this debt and make my life less stressful and not destroy my credit.
Consumer complaint received 2024-04-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MS)

XXXX XXXX XXXX  are falsely trying to collect a debt that is not owed to them. In XXXX of XXXX I went to pay my rent and they wouldnt take it. I still am unaware of the reason. Then the next thing I know I get an eviction on my door for non payment. We went to court, I never seen a XXXX. Instead the Attorney for XXXX XXXX took me in a room and told me that I could be evicted for non payment or I can just sign an agreed judgement entry stating that I would move out of the apartment XX/XX/XXXX. He said I wouldnt be responsible for the rent from XXXX or XXXX. I agreed to sign it, because I was very sick. Had been recently diagnosed with XXXX XXXX. And honestly couldnt afford that rent because I was missing a lot of work due to Doctor appointments. I havent lived at that apartment since XXXX of XXXX. Here it is XXXX and they are just now trying to collect this made up debt. It says they charged me for paint and carpet. Which I dont under I left the apartment in great standing. I have pictures that I took before I moved out. My deposit should have handled anything that needed to be done. It also says I owe a water and power bill. I have proof that they were down XXXX on XX/XX/XXXX. I want this false debt off of my report or I would like to take legal actions against XXXX XXXX.
Consumer complaint received 2021-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I XXXX XXXX, entered into a consumer credit transaction with Bank Of America on XX/XX/06. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Bank Of America, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Bank Of America never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Consumer complaint received 2021-09-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is playing a game with serious negligent, unlawful procedures relating to my dispute. I submitted a complaint first directly to them 1st week XXXX, then with CFPB XX/XX/21. It is now XX/XX/21. Complaint number XXXX. Can CFPB look deeper into complaint re : banking regulations offenses? Wells Fargo has a history of disregarding the law and consumer abuse and it continues today despite Congressional Investigations and condemnation.
Consumer complaint received 2021-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MO)

Placed for collection XX/XX/2020 and this company is reporting inaccurate information on my credit report saying that i owe {$700.00} wihich i havent even did ant business with this company.
Consumer complaint received 2021-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I was out of town on the days of XXXX  XXXX XXXX, and I had 5 charges in the city I live in which is XXXX, XXXX. Like I stated, I was in XXXXXXXX XXXX for a work conference, so the charges could not have been made by me, and my card was in my possession. I disputed the charges with Chime Bank, and the claim came back as denied. This is the 2nd time I have had unauthorized charges on my account when I have been out of town, and the same thing has happened.
Consumer complaint received 2021-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I XXXX XXXX, entered into a consumer credit transaction with Bank Of America on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Bank Of America, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, ( company ) never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Consumer complaint received 2021-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

On Friday, XX/XX/XXXX I got an email from paypal : You can no longer do business with PayPal ( Ref ID - XXXX ) That was after 30 minutes from receiving a payment via PayPal. I was shocked because my account was in a good standing since almost 2 years, I have not received one single dispute because I'm not seller at all. I'm using paypal only to receive money from some making-money websites. They didn't even ask me to submit documents to confirm my identity. I tried to contact them but i'm just getting replied from bots maybe. I tried to phone them but I'm stuck in the queue for many minutes until my phone balance runs out. I have now {$180.00} stuck in my paypal account and I'm unable to withdraw it until XX/XX/XXXX. I have bills to pay and I can not wait for 6 months. Everything is ruined now and I'm asking paypal to restore my account or at least releasing my funds so I can withdraw them and if they need any documents, i'm ready to submit them. Waiting for PayPal reply.
Consumer complaint received 2019-11-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (MI)

I called and asked why they keep calling me. I make my payments on time. They saidmy number was connected to another acct. the lady said she would fix it my acct was fine. 1 hour later I get another call. I try to call them back to question them and now my calls dont go through
Consumer complaint received 2022-08-15
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. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 2021-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (MO)

Rent recovery date assigned XX/XX/2020 has been on my credit file saying that i owe them {$6800.00} and i never did business with them but they are reporting on my credit reports with negative information trying to collect a debt.
Consumer complaint received 2021-09-26
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: Experian Information Solutions Inc. (SC)

I have been working on getting feedback about a few account reporting on my credit report. I have been reaching out to XXXX, XXXX and Experian for a few months now and have received no response. I mailed out my final letters on XX/XX/2021. Each of the letter mailed out on XX/XX/2021 were sent certified. Tracking number listed below : XXXX XXXX XXXX The items in question are : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( XXXX ), XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX  ( Original Creditor : XXXX  XXXX  ) ( XXXX ) Please have the XXXX, Experian and XXXX delete these items from my credit report immediately
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (FL)

Received a call from a company offering to help me with my unsecured loans. The call stated they new I had unsecured loans and could help with them. I asked where this information was obtained from, and was told Credit Karma. I contacted Credit Karma and informed them of what had transpired and asked how did this company get my information from Credit Karma. The response I received was it was probably a telemarking company or a scam. This did not answer how they received information on my unsecured loans and such. I have continued to try and resolve this with Credit Karma and have not had any response.
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (SC)

In accordance with the fair credit Reporting act This creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency Can not furnish an without my written instructions Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NV)

XX/XX/2019 yesterday are car wouldnt start I tried to get to the bank and when I was able to get there the atm wouldnt accept the money I Kept spiting the money back out saying it couldnt read the {$20.00} I put in it so today XX/XX/XXXX I wake up to 3 {$34.00} insufficient fees thats crazy Im on low income I cant pay back amount {$100.00} this bank doesnt Care that our car had a dead battery Im promise Im leaving this bank
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I have an XXXX XXXX account, which provides members with their FICO score. I continuously monitor my credit from this and other sources. A few days ago, I saw that my score went down almost XXXX points on the XXXX app, so I contacted XXXX XXXX XXXX and viewed my reports. Experian shows a XXXX account from XXXX reported XX/XX/XXXX as delinquent by over {$5000.00} in XXXX. I had a Chapter XXXX bankruptcy in XXXX, this account was on it. This should never have been allowed to be placed on my credit report as it was included in the bankruptcy, the account was not within the last 7 years and I believe I should have been contacted when it was reported. I have tried calling Experian and can not get to a person, tried their online dispute tool several times. I am unable to complete my dispute, the website keeps timing me out. Now the account I created says I have the wrong user name and password that I had just created minutes ago. I have maintained perfect credit since XXXX and I am proud of my record and my scores. I would like this to be removed and Experian should be investigated. Neither of the other two bureaus have this issue. Thank you.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I called XXXX in reference to them reporting the payment history on the account due to receiving correspondence from Equifax and XXXX saying that they could not locate a credit file for me. I spoke with a rep from XXXX XX/XX/2021 around XXXX XXXX  CST. They pulled my record and said that within 48 hours I would be contacted due to my issue. I was told they report your payment history to the credit bureaus at the end of every month. The rep could not understand why I was having this issue of not having a credit file. She said I have been paying for two years, no late payments, payment history is excellent according to their website. So how do their reasons apply to me as far as not having actively used credit in the past ten years, have not applied for credit recently or have not lived in the United States or have not been issued a U.S. Social Security Number. 

This is outrageous because I just pulled my credit scores on XX/XX/2021 showing the balance for car payments from XXXX on XXXX website. So far I have not received anything from XXXX yet, but if I do I will upload that correspondence information also. 

I did not try to fix this issue because I just found out about it.
Consumer complaint received 2021-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (MD)

Under the FCRA, Trident asset Management and XXXX have violated my rights. 
The FCRA have laws that are in place to protect my rights as a consumer. After a carefully review of my credit report, I noticed a collection account from Trident Asset Management. This collection account is in connection with The XXXX XXXX XXXX, XXXX. As a consumer I have the right to dispute, request debt validation and method of verification. A debt validation was sent to Trident asset Management and this company fail to respond. A method of verification was sent to XXXX and the credit reporting agency fail to respond with the method of verification. The FCRA have laws in place to protect my rights as a consumer. The failurs of Trident Asset Management and XXXX are serious violations of my rights and a clear disregard for federal laws.
Consumer complaint received 2021-09-26
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: EQUIFAX, INC. (SC)

I have been working on getting feedback about a few account reporting on my credit report. I have been reaching out to Equifax, XXXX and XXXX for a few months now and have received no response. I mailed out my final letters on XX/XX/2021. Each of the letter mailed out on XX/XX/2021 were sent certified. Tracking number listed below : XXXX XXXX XXXX The items in question are : XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) ( XXXX ), XXXX  XXXX XXXX  I ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX  ACCOUNTS ( Original Creditor : XXXX XXXX  ) ( XXXX ) Please have the XXXX, XXXX and Equifax delete these items from my credit report immediately
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am distraught that Equifax has incorrectly reported my payments to XXXX  for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have written to Equifax several times for that incorrect information to be removed and to no avail, they neglect my request. And now, I suffer with such negative information showing on my credit report and thus presenting a horrible score that prevents me from growing financially. Consider this complaint as a formal request for removal of the referenced inaccurate information. I have attached PROOF that I paid XXXX  for each month referenced above and I expect Equifax to change the payment status for the XXXX credit card account to Current, never late. I highlighted the proof for easier understanding.