davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (AR)

XX/XX/XXXX my vehicle, XXXX, XXXX XXXX XXXX, was stolen and totaled. My insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, informed Westlake Finance that my vehicle would be covered and payment would be rendered to complete payoff of the vehicle. I continued to make monthly payments until XXXX and XX/XX/XXXX as I was advised the payment from XXXX XXXX XXXX XXXX XXXX XXXX would have been received to pay off the vehicle by XX/XX/XXXX. However, in XX/XX/XXXX, I received a notice from Westlake Finance advising that I was late two months payments that included the months XXXX and XX/XX/XXXX. I contacted Westlake Finance supervisor, XXXX, on XX/XX/XXXX and apprised her of this matter and advised that my nonpayment was not as a result of my error and to correct my credit report and to authenticate my statements by speaking with XXXX XXXX XXXX XXXX XXXX XXXX and in the interim, I would remit payment XX/XX/XXXX until the insurance company 's payoff check is received and processed by Westlake Finance. XXXX advised, on a recorded line, that she would resolve this issue and she would contact me with a resolution within five business days, to no avail.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

Date of Incident : XX/XX/2020 I own a condominium in Colorado. A neighbor with the same address but different unit number was applying online for a refinance mortgage with : Amerisave Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX When going through the application process, my neighbor had a screen appear asking if he wanted me and my wife to be part of the loan? The screen also showed our names, address of other property we own out of state and our CREDIT SCORE. 

I feel that his is an unethical business ( possibly illegal ) practice and our personal information should never have been in any way linked into another 's application using whatever data base that they have access to. I have never done business with Amerisave or ever contacted them about a loan. 

On three occasions, I have attempted to contact the company. Twice ( XX/XX/2020 ) I spoke to " customer service '' and had to leave voice messages for people I was transferred to because the live person did not know how to deal with this issue. On the third occasion ( XX/XX/2020 ) I spoke to a person who was going to transfer me to customer service again but told him I have done that and had no reply. Requested he speak to his supervisor to elevate it to a higher authority and requested a call back. As of today, I have not heard anything back from Amerisave.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX account # XXXX, Whose address is XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-09-26
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. (NY)

On Thursday, XX/XX/20, I applied for preapproval ( # XXXX ) for a car loan from XXXX XXXX. On Friday, XX/XX/20 I received approval at which time I went to XXXX XXXX XXXX and expressed an interest in purchasing a vehicle. I was asked if I was interested in financing, at which time I advised that I had preapproval and showed the salesperson ( XXXX XXXX ) the details on my phone. She advised that they could not find the details and asked for my name, address and social to help them find the record. I expressed concern as I did not understand why this info was needed when I had the preapproval and stated several times that I did not want my report run as I was aware it would have a negative effect on my credit report. I was assured numerous times that there would be no hard inquiries as I already had the approval. I also stated that I needed a clear understanding of what the interest rate would be before finalizing the transaction. The finance manager for the dealer was busy and I was asked to return at XXXX  on Saturday, XX/XX/20. On Saturday morning I found that I had lost my wallet, at which time I called XXXX XXXX that I would not be coming to the appointment. To my surprise I received a notice of a hard inquiry by XXXX XXXX on XX/XX/20 which resulted in 7 point degrade in my FICO. A result of an unauthorized inquiry.
Consumer complaint received 2020-08-10
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. (AR)

I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6500.00} XXXX XXXX {$4100.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$830.00}
Consumer complaint received 2020-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

I am filing this complaint because I was unable to resolve this issue with the bank ( Wells Fargo ). I tried to reach the customer service and the person who identified himself as XXXX XXXX started to talk very fast. I told him that I am an elderly woman with many health problems and I asked him politely if he could speak slowly. He simply hang up on me. I tried to reach Wells Fargo customer service again on that day but the automatic service did not let me do so. It was a terrible experience. The reason for my call was that I needed help to reverse my monthly fees for XXXX - XX/XX/2020. I am an elderly person and at the highest risk for contacting COVID-19 and I cant make 10 debit transactions to waive those fees. Please check CDC guidelines for more information regarding elderly and COVID-19. I am sorry that Wells Fargo customer service is so difficult.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was enrolled in the hardship program with XXXX XXXX credit card beginning in XXXX of XXXX and following months. The financial program does not report late payments while in program however the credit bureau still is reporting late. I confirmed over the phone with the company that I was in fact enrolled during this time. I was also enrolled in this same program in XXXX of XXXX and am facing the same issue with late reporting while in program. The credit report itself shows I am in the financial hardship program so they know for a fact that I was enrolled and decided to erroneously report late payments. They also reported late payment in XXXX of XXXX which shows payed before due date and posted.
Consumer complaint received 2020-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I opened an account online with Fifth Third bank with an offer code for a bonus of {$250.00} for maintaining a checking account with a minimum of {$250.00} for 60 days. 
On XX/XX/XXXX after confirming on phone that my promotion was valid ( it did not show up listed on my account at the time ) I made a transfer of {$250.00} into my Fifth Third Bank ( no fees were accured for making that online transfer ) On XX/XX/XXXX they credited me my {$250.00} minus {$60.00} for tax withheld. 
There is where the nightmare started, as for the next months I was told various reasons why until contacting XXXX XXXX. I was finally told it was because I hadn't sent in a tax paper. They had ALL information, address, social security number etc.prior to this date. 
I was then told just send it in and they can give me my {$60.00} even though I was never contacted that they were missing anything for the 3 months I had the account. Plus I had called to make sure everything was signed correctly on XX/XX/XXXX at XXXX XXXX and was told it was. 
It is now XX/XX/XXXX and after sending on the paper I have still not received my {$60.00}. 
I then had enough and went to close my account, I wrote online and called to find out what I needed to do. I was told to have a {$0.00} balance and to wait until it had cleared. On XX/XX/XXXX I put in a transfer of my balance ( {$440.00} ) to XXXX. XXXX. There was NO mention of a {$3.00} fee online and I will enclose a picture of my transfer details sent to my email. 
On XX/XX/XXXX I see my - {$3.00} for my balance! I call the XXXX number and speak to a rep. who says she is sorry i was mischarged and she is putting a reversal charge of {$3.00}. She tells me to wait 2 to 3 business days and then I will have a {$0.00} balance snd can close my account. 
On XX/XX/XXXX nothing had changed in my account. I call the same number and they tell me they have NO exchange of the telephone call on the XXXX and even if I had called that person lied and they cant reverse the fee! I then decide to write in what had happened. I also called XXXX XXXX. I got no response from her so I am writing in. 
I would also like to add that there is missing account info as my orginal payment and opening of account as I will send in those pics too.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (VA)

My Citibank credit card was closed in around XX/XX/2018, XX/XX/2018 with credits from Citibank due to them mismanaging my credit card account the account was paid in full. They are report inaccurate information on my credit file I have reach out to them to adjust the inaccuracies they have not. 
they are showing numerous late payments on my credit file which is in the attached files along with the letter showing the account was satisfied on XX/XX/2018.
Consumer complaint received 2024-01-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is in reference to an incident that occurred XX/XX/2018 when an unknown individual used my bank account by submitting a fraudulent check I was completely unaware of this activity as my identity has been stolen and I have been a victim of identity theft for XXXX XXXX leading up to this incident I can provide a copy of a police report as evidence is an ongoing issue this is my XXXX time disputing this same problem with XXXX XXXX XXXXXXXX Bank of America and the Consumer Financial Protection Bureau and nothing has been done to resolve the issue the person responsible for this fraudulent activity Who I believed to be a family member that lived with me at the time has used my identity to obtain apartments credit cards bank accounts credit accounts loans cards and even accumulated outstanding parking tickets among other things this individual has caused significant harm in my life and financial well being I have disputed this incident multiple times with early warnings yet it remains on my file I kind of request that they remove this incident from my file as it had nothing to me I also had this same incident on check systems and they investigated it and realized that it was fraud and they removed it it is important to note that my account was shut down due to this fraudulent activity which I believe is unfair considering that I was a victim of the situation additionally the debt associated with the incident is XXXX XXXX old and there is a XXXX balance owed to them maintaining a clean XXXX  history is the utmost importance to me and I kindly ask for your assistance and resolve in this matter. Not to mention the problem is with Bank of America which owns XXXX XXXX XXXX and if I have reached out to both companies yet they still allow this to remain on my file
Consumer complaint received 2023-01-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. Ive distributed this fraudulent account immediately once I because aware of it. I was told by email ( see attached ) the account would be closed due to it being opened without my knowledge or permission. For the last few months this account is not only reporting negatively on my credit report as a collections account. Its now reporting late payments. This house cost my $ XXXX of dollars in denied credit. At this point Im considering taking legal action.

15 USC 1681 section 602 15 USC 1681 section 604 A 15 USC 1666B A
Consumer complaint received 2020-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

Convergent Outsourcing placed an invalid collection on my credit report without any notification. I do not owe this debt. I disputed this numerous times with the credit bureau. I did not receive a response from Convergent Outsourcing and the collection account was not removed from my credit report. I then filed two complaints directly with Convergent Outsourcing on XX/XX/2020 and XX/XX/2020 and have received no response to those either. I am attaching documentation.
Consumer complaint received 2020-10-04
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: CREDIT ACCEPTANCE CORPORATION (GA)

I sent out disputes to the credit bureaus XXXX, XXXX and XXXX about accounts that are reporting on my credit report that doesn't belong to me. I filed an FTC report and police report as well.
Consumer complaint received 2020-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (IL)

BSI Financial mismanaged my 30 year fixed rate mortgage by mismanaging it as an interest only loan. They turned my home mortgage acccount into negative amortization as they began to withdraw from my homes equity. BSI stated they would correct the issue by XX/XX/2020, however, they did not. I wrote them via Qualified Written Request asking them to restore my account and my credit. I also requested they provide answer additional concerns as to how they planned to restore my escrow account. BSI has not properly restored my account. BSI Financial incorrectly deducted the funds not applied to my Principal Balance to the negative amortization balance of {$150000.00} which allowed them to keep the equity they errorneously took from my loans Principal Balance. When BSI financial assumed my home mortgage loan the Principal Balance was {$140000.00}, the {$23000.00} BSI failed to apply to the Principal Balance should have brought my Principal Balance to {$120000.00}. This needs to be corrected with an detailed explanation of their calculations.
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (FL)

I was locked out of my Way2go account. This is a company under CONDUENT. They informed to call customer service. I called and they gave me the procedure to follow. I emailed them all the verification documents they needed. They still are withholdimg my access with no further justification. I come to find out they are rated F w/ the XXXX.
Consumer complaint received 2020-10-04
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)

This account reported by XXXX XXXX XXXX was disputed in XXXX of XX/XX/2020. The reported debt was unable to be substantiated and the account was deleted from XXXX, XXXX  and Experian reports. Experian deleted the report XX/XX/2020, XXXX  deleted the account XX/XX/2020. FOUR MONTHS go by and all of a sudden I receive XXXX consecutive emails from Experian stating that a dispute that I filed on XX/XX/2020 had been Opened, Investigated and being Updated. I DID NOT open a dispute on this account from XXXX XXXX XXXX in XXXX of XX/XX/2020. This account was no longer on my credit report as of XX/XX/2020. Why would I open a dispute on an account that was not even on my credit report?? That hardly makes sense. So, my issue is two-fold. WHO opened this dispute under MY NAME as if they are representing me? That seems pretty fraudulent. In addition, I sent XXXX  and Experian letters reporting this account had now been re-inserted onto my profile and my concern regarding this dispute being opened, disputed and updated as if it were initiated by me? I also requested XXXX  and Experian send me the information pertaining to this account that has allowed them to certify that this account has been verified, as is my right to know what is being reported. ANYONE CAN SEND YOU AN INVOICE STATING YOU OWE THEM MONEY. SOMEONE, SOMEWHERE HAS TO PROVIDE PROOF. XXXX  and Experian responded by sending a dispute update simply stating the account was certified as verified, No additional information to substantiate the reported debt, AGAIN. I sent XXXX XXXX XXXX   a request for validation as well and have yet to receive a response by them, that was in XX/XX/2020. It absolutely baffles me that these consumer protectors have very little regard to actually protecting the consumers and that XXXX  and Experian blatantly and repeatedly violate regulations set forth by the FCRA. Besides the violations and possible fraudulent misrepresentation from Experian mentioned above, Experian is reporting the account information incorrectly anyways. At what point will Experian be held accountable for their violations and the destruction they continue to do to my credit with such erroneous reporting? The inaccurate reporting by XXXX  and Experian is preventing me, a single mother with a single income household, from obtaining credit and has directly caused me to be unable to purchase a home for my children and myself. When is it that Experian will be held accountable for their negligent and Fraudulent activity? I have contacted lawyers and there are several offers for representation specifically due to the repeated, multiple violations in their reporting and their negligence in correcting their errors and continuing to cause damage after being informed ( multiple times ) of the errors in which they are reporting.
Consumer complaint received 2020-10-04
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. (TX)

This account reported by XXXX XXXX XXXX was disputed in XXXX of 2020. The reported debt was unable to be substantiated and the account was deleted from TransUnion, XXXX  and XXXX  reports. XXXX  deleted the report XX/XX/2020, TransUnion deleted the account XX/XX/2020. FOUR MONTHS go by and all of a sudden I receive three consecutive emails from XXXX  stating that a dispute that I filed on XX/XX/2020 had been Opened, Investigated and being Updated. I DID NOT open a dispute on this account from XXXX XXXX XXXX in XXXX of XX/XX/2020. This account was no longer on my credit report as of XX/XX/2020. Why would I open a dispute on an account that was not even on my credit report?? That hardly makes sense. So, my issue is two-fold. WHO opened this dispute under MY NAME as if they are representing me? That seems pretty fraudulent. In addition, I sent TransUnion and XXXX  letters reporting this account had now been re-inserted onto my profile and my concern regarding this dispute being opened, disputed and updated as if it were initiated by me? I also requested TransUnion and XXXX  send me the information pertaining to this account that has allowed them to certify that this account has been verified, as is my right to know what is being reported. ANYONE CAN SEND YOU AN INVOICE STATING YOU OWE THEM MONEY. SOMEONE, SOMEWHERE HAS TO PROVIDE PROOF. TransUnion and XXXX  responded by sending a dispute update simply stating the account was certified as verified, No additional information to substantiate the reported debt, AGAIN. I sent XXXX XXXX XXXX  a request for validation as well and have yet to receive a response by them, that was in XX/XX/2020. It absolutely baffles me that these consumer protectors have very little regard to actually protecting the consumers and that TransUnion and XXXX  blatantly and repeatedly violate regulations set forth by the FCRA. Besides the violations and possible fraudulent misrepresentation from XXXX  mentioned above, XXXX  is reporting the account information incorrectly anyways. At what point will XXXX  be held accountable for their violations and the destruction they continue to do to my credit with such erroneous reporting? The inaccurate reporting by TransUnion and XXXX   is preventing me, a single mother with a single income household, from obtaining credit and has directly caused me to be unable to purchase a home for my children and myself. When is it that XXXX  will be held accountable for their negligent and Fraudulent activity? I have contacted lawyers and there are several offers for representation specifically due to the repeated, multiple violations in their reporting and their negligence in correcting their errors and continuing to cause damage after being informed XXXX multiple times XXXX of the errors in which they are reporting.