davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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: Westlake Services, LLC (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I AM IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT. 
( WESTLAKE FINANCIAL SERVICES : LATE PAYMENTS XXXX & XX/XX/2022 ) HAS VIOLATED SEVERAL OF MY RIGHTS. 

15 U.S.C 1681 SEC 602A. - CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SEC 604A SEC 2 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 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.

REMOVE THESE LATE PAYMENTS AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORTING ACT. 

WESTLAKE FINANCIAL SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (CA)

case # XXXX My citi mastercard card # XXXX XXXX XXXX XXXX The card dispute dept is bad service and no idea what they are doing. 

I used the card and overpaid {$110.00} which XXXX XXXX XXXX   manger offered me I called the bodyshop. XXXX XXXX agreed to credit me back on XXXX XXXX, XXXX. 
( I sent citi card manager bill email for the promotion 5 % from its part charge from my payment, etc ). 

But she did not put the credit in. I asked citi card to charge back, the dispute dept did not work out and took the letter from XXXX, which did not relate to the case, since the letter was not from the manager XXXX and did not discuss anything about the XXXX XXXX  5 % parts rebate offer. The letter showed how much I and my insurance need pay before the 5 % promotion. 
The manager used the promotion to get my business. 

That lead me to loss {$110.00} for no reason. 

I complaint to citi, citi emailed me that they will resolve in 15 days on XX/XX/XXXX. 
As today, I did not receive any feedback from citi. 
I called the number, its waiting time is more than 45 minutes, do I gave up. 

Thanks. 

XXXX XXXX
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Today for the 5th or 6th Time I have tried to access my XXXX  credit report online on XXXX and I am not able to see my report or my score at all. I even tried to purchase my report and it does not allow me to, yet XXXX  still deducted XXXX $ from my bank account that is still pending. I have contacted XXXX  on at least two occasions with regard to me not being able to see my credit report any longer and they claim that everything is fine and that I should be able to see my report. I have had to clear my cache on my computer, I have deleted cookies, I have done everything to try and access something that I have always been able to see and nothing is working now as of XX/XX/2020 I first discovered that I could not see my report any longer and I noticed before that on XXXX XXXX that my score was not updating with some key disputes that I had submitted to XXXX. I contacted XXXX XXXX  and they deleted my account and had me to re-register. This did not fix the issue and not I can not even see my XXXX  report on XXXX XXXX. I also can not even access my report for free on the my free XXXX XXXX XXXX website. I have not been able to access that one for some years now. I am having this problem consistently with TransUnion and XXXX  in all actuality. The only report that I CAN SEE is TransUnion via XXXX XXXX. I am also not able to access my report from TransUnion either. I have provided each bureau with my identification documents, Drivers License and Social Security Card along with A recent bank statement. This had not made a difference and some of the time when I call into the bureau the automated system acts as if it can not verify my identity. This is causing me mental distress and I would simply like to view my report and make the proper disputes to inaccurate information that they are reporting and each company is hindering me from doing so. I have talked to many supervisors and I have talked to regular representatives, I have talked to the fraud department you name it I have talked to them all and I have not gotten anywhere with this issue. I need someone with the highest authority in the company to contact me and get this fixed for XXXX  and TransUnion. it is not fair that I am not able to see something that is so important that affects my life. I was told that one of the reasons that I could not see my reports was because of disputes in progress but this is not true because before I submitted any disputes I could not see my reports. This has been on going with TransUnion and XXXX  is now doing the same thing. I feel as if they are doing something shady and it needs to stop.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX, I obtained a 36 month lease on a vehicle. 

From XX/XX/XXXX through XX/XX/XXXX, that vehicle was being repaired by the dealer due to repeated mechanical problems. 

According to the customer service department if the financing company, because I was not provided a loaner vehicle by the dealer, I would not be responsible for lease payments until the repairs were complete. 

When the vehicle was picked up on XX/XX/XXXX, the odometer read 15,000 miles, rather than the sub-500 miles it read when it had when it was dropped off. After a threat of a lawsuit, the dealer agreed to cancel the lease. 

On XX/XX/XXXX, I received a letter from the financing agency reflecting the cancellation of the remaining balance. 

On or about XX/XX/XXXX, my credit reports with all three major credit bureaus were updated to reflect delinquent payments for XX/XX/XXXX through XX/XX/XXXX. I sent in a copy of the cancellation letter and an explanation of the repairs, and the delinquencies were adjusted to XX/XX/XXXX through XX/XX/XXXX, with the status being changed to 'repossession ', and an open balance of {$13000.00}. 

On XX/XX/XXXX, my credit reports with all three major credit bureaus were updated once again to reflect this account as having a " most recently paid '' date of " XX/XX/XXXX '' with a payment amount of XXXX  dollars, an account balance of {$26000.00} and an account status of " Charged off as bad debt ''. 

I have disputed the facts of this debt with all three credit bureaus, but they all claim it " meets FCRA requirements ''. I have also sent multiple requests for debt validation via certified mail ( the most recent was received on XX/XX/XXXX ), but the financing company has refused to comply with my request, and is continuing to report my information to the three major credit bureaus ( the most recent credit report was submitted XX/XX/XXXX ).
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX, I checked my credit report because I was denied a house and noticed fraudulent activity on my credit report. I immediately went to the local police dept to submit an identity theft report. According to Cushman vs TransUnion 1997, credit reporting agencies are supposed to ensure the maximum possible accuracy. After becoming aware of the fraudulent accounts, I sent a letter out to Equifax with a copy of the police report attached and asked to remove these accounts immediately.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15- U.S.C 1681 section 602 A. States I have the rights 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 2024-02-24
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (OH)

To whom it may concern I am writing this letter again to get this issue taken care of I dont know what the problem is with the people that work at apple card support in Goldman Sachs I dont know if theres youre XXXX or XXXX XXXXXXXX and ignorant but again for the {$180.00} XXXX charge that is on my account that you say that no credit is due for about the zillion time Im telling you that last XXXX of 2023 I had placed an order with XXXX XXXX and put the order on my apple card the order was cancelled understand me listen again the order was cancelled and it was never delivered to my address I never received the merchandise I never received any merchandise understand and listen to this again never received any merchandise the order was cancelled and I was promised a refund by XXXX XXXX I disputed this charge because I never received the refund from XXXX XXXX XXXX have submitted documentation over and over and over and over and over again to apple card and you keep spewing out the same garbage like you have before now Im going to report this again to the XXXX XXXX XXXX and to the consumer complaint to get this issue addressed because this is ridiculous and Im tired of arguing with apple cart you do not know what you are doing the order was never delivered to me it was cancelled by XXXX XXXX because items were out of stock and they promised me a refund and never did give me a refund and I am entitled to that money I need to get that {$180.00} refunded to me and I need to get that issue taken care of again Im going to be complaining to whoever will listen and Im going to be sending this documentation back over to you yet again.
Consumer complaint received 2023-02-05
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. (IL)

UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with XXXX XXXX XXXX that is reporting four late payments in month XX/XX/2022 through XX/XX/2022. I am requesting these four late payments be changed to fix because the reporting of these late payments are not supposed to appear on a consumers report. According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( XXXX  ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681 s-2. This is unlawful and my four late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (VA)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2020-07-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (TX)

NOTICE TO CEASE AND DESIST Re : Stop ALL Debt Collections Calls 2nd Request Dear GC Services ( GCS ), LP, This letter is in response to the many phone calls I have received from You at the following telephone numbers : GC Services ( GCS ), LP I.d . Call Log Day Time Phone # XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c. this is my formal declaration to terminate and cease ALL communication from You in regards to the debt You are attempting to collect. 

In response to the Cease Communication letter, in accordance with the Federal Fair Debt Collection Act, You may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place. 

Please be advised that I am well aware of my rights and know that any further contact by You or Your Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) Party that You use to coerce the collection of this debt shall also be in violation of federal law. 

If You do not cease communication a lawsuit will be commenced against You. 
This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication is to continue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-05
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: Experian Information Solutions Inc. (MO)

My XXXX XXXX credit card is being improperly reported as me being over the credit limit which is a violation of the fair credit reporting act. See XX/XX/23 statement attached
Consumer complaint received 2023-02-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I sent a letter on XX/XX/XXXX Experian and XXXX asking to verify inaccurate information on my credit report. its been more than XXXX  days and I have not yet heard back from either bureau regarding the investigation
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX Balance : {$2500.00}XXXX XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$3200.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (MO)

I had an account from XXXX showing on my credit report from XXXX. I disputed the debt and ask for proof since I've been a victim of identity theft and have filed with the FTC about this issue. 3 credit bureaus investigated and agreed the debt was not mine and removed it from my credit report. It was removed within the last 6 months. 

I was contacted by Halsted Financial Services , LLC XXXX XXXX XXXX XXXX, IL ( XXXX ) XXXX By text message on XX/XX/XXXX about the same debt with XXXX from XXXX. I replied to the text message advising they cease contacting me and still have the exchange for proof. I have since received emails on XX/XX/XXXX and XX/XX/XXXX about this debt, replying both times with a demand to cease contact. I recieved a phone call on XX/XX/XXXX about this debt after telling Halstead they don't have permission to contact me. Both XXXX and Halsted Financial have not provided any proof and have been given a cease contact request.
Consumer complaint received 2023-02-05
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 Reporting act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 Also states a consumer Reporting agency can not Furnish a account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) Section states that no consumer Reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of conviction of crimes which antedates the report more than seven years.

15 U.S.C 1681 S-2 ( a ) ( 1 ) A person shall not Furnish any information relating to a consumer to any consumer Reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-14
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. (NY)

I have wrote to each credit reporting agency and also called. They did not provide me with any information or help for these unauthorized inquires : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My card was stolen and I called to report it they gave me credit then froze my card and have been taking my money for months now the whole time I was receiving unemployment they took all my money and I've lost my place to live and have nothing my money is being stolen
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

On XXXX I noticed that my nelnet loans were very different than I expected - often not due until XXXX when the 6 month deferment would have ended in XXXX. I reached out via phone call and stood on the line for over 2 hours with no response. I decided to send an email to receive clarification as no one would pick up the phone. 

I received an email on XX/XX/XXXX saying that my XXXX XXXX loans would be in deferment until XX/XX/XXXX. A month later I checked and this was not the case, and Nelnet has now charged me for payments in XXXX. 

I called again on XX/XX/XXXX to understand why I am being billed early and incorrect amounts ( one shows double the monthly payment ). I once again sat on the phone for over 2 hours with no response. I am yet to hear back and Nelnet has begun withdrawing funds directly from my bank account.