davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (VA)

This is the 2nd complaint I have had to file against Westlake. I had an auto loan with their office that went into default. This account was included in a Chapter XXXX bankruptcy, that was discharged in XX/XX/2016. Despite that, Westlake continues to report this account as an active collection account, and stating that I still have a liability with their company for $ XXXX+. This account should be updated to show as " resolved through bankruptcy '', and the amount owed should report a {$0.00} liability. What they continue to report is a violation of federal bankruptcy law.
Consumer complaint received 2023-03-01
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. (DC)

I hope this message finds you well. I am reaching out today to inform you of some inaccurate information being reported on the consumer report. According to 15 U.S.C subsection 1861 ( b ) you all do not have permissible permission to report anything on the consumer. Also, according to 15 U.S.C you all do not have written or verbal consent to furnish anything on the consumer report. The following accounts that are inaccurate are as followed : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX 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 I do acknowledge these inquiries as valid. I do not give consent for them to be furnished on the consumer report. Also, if an investigation is conducted, per the FDCPA the furnishing company must provide the information of the investigating agent, they must check with close family friends and neighbor that knows the consumer best and not just accept a false statement solely from a third party according to 12 CFR 1006.34 and 1006.38. I hereby Demand that the inaccurate reports be remove from the consumer report perpetually.
Consumer complaint received 2021-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

We were supposed to get an escrow refund check in XXXX or XXXX. At first I thought I might have thrown it away as we appeared to never have gotten it. We requested it another we were very cautious to make sure we didnt throw any mail carelessly but never received the second. I then asked if it could be sent electronically. They gave me instructions on how to enroll however it didnt work. According to them there is a known website issue. So then I requested it be sent via a service that could be tracked. They said it would be here Friday XX/XX/2021. I asked for the tracking info and they indicated on XXXX it has not been sent yet. I believe PennyMac is acting in bad faith and trying not to provide me our escrow refund.
Consumer complaint received 2019-12-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

To whom it may concern : It is a very long time of the modification issue for the second mortgage or HELOC, from XXXX XXXX during 7 years. I submitted to request the modification for this HELOC, after the first loan modification successfully.

The Services tried to ignore my loan modification for 6-year long, one of the technique that Specialize Loan Servicing LLC used to treat my loan modification that they sent/replied/requested ... mail to me per using somebody else address where I never receive during/about 6-year length. SLS used it to blame on me, not to cooperate with the Services. SLS used this as an excuse during the years of underwater or/and the property has no market value in those years. The property market value has increased up more than 40 percent then SLS went back and enforced the property in Foreclosure Process that SLS shall collect more money. 
I just wondered why my loan modification all replied letters from SLS has been sending to wrong address where I never used it and I never provided it to SLS???

Secondly, SLS took that long of 6 plus years to review my loan modification?

It now took only 6 months for them to deny and push in Foreclosure? 
Yours truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NC)

Chime closed my account for no reason, with no warning, withholding {$10000.00} of my money, and failing to provide my XXXX  Tax forms after repeated requests. They committed in writing to mail paper copies of my XXXX tax forms to my home address no later than XXXX, and stated in writing that if I did not receive the forms to reach back. I have reached back and they refuse to provide the forms stating that my account was closed for a policy violation - which they refuse to explain stating it is against policy to tell customers why an account has been canceled. This company is atrocious, steals money, does not abide by the law in issuing required tax forms, and has absolutely no empathy for the pain, suffering, and XXXX caused by withholding money and documents from customers. They give you the run-around, make you feel like a criminal, and will only escalate if you give them the name of the person to escalate too - because they know that customers do not know the names of their workforce. I have spent 10 's of hours on the phone, replying to emails, rounding up countless documents, just to continue to get form response letters and no action. I do not know how to get my tax documents and need help.
Consumer complaint received 2021-09-04
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. (FL)

I opened the account in XX/XX/XXXX I closed the account in XX/XX/XXXX I paid the balance in full in XX/XX/XXXX They tried to charge me an annual Fee of XXXX  $ that started on XXXX XXXX I did not and will not pay that. 
They are are now reporting account closed but with and outstanding balance and late fees every month after I closed the account. 
XXXX XXXX XXXX Account numberXXXX Account type Credit card Responsibility Individual Date openedXXXX Status Closed. {$90.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$210.00} Balance updatedXXXX Recent payment $ XXXX  Monthly payment {$30.00} Credit limit {$1500.00} Highest balance {$1400.00} Terms NA
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-05-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (GA)

This was my first time getting a Title loan, I got this loan thinking it was like any other loan so I kept watching and didnt see any balance was apply to my loan after each payment. After about 8 months ago or so I call and ask them why my loan balance was not going down and first thing the lady ask me did the person Explain the loan to me that I would have to pay whole balance off to be paid in full I told her no she did not, do I would have never taken the loan. They are giving people loans and not telling people how the loan works and on my application they have me down as my credit score was XXXX score I never had a credit score of a XXXX that a false statement. Is their a law or something can be done about these Title loan to at least tell people how how loan work, right now I know that Ihave paid that loan off.I borrow I think I think {$2500.00}. This loan is by XXXX XXXX at XXXX XXXX XXXX, XXXX, Georgia XXXX. I probably have paid double of that amount, someone told me to write to CFPB, Please, so I can stop other people from getting loan like these.If you need and my Account I can send it in another way on this site. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ga, XXXX, XXXX.Thank
Consumer complaint received 2023-05-11
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-01
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. (NJ)

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 2019-12-03
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: WELLS FARGO & COMPANY (CA)

I have the same name as my father. There are inquiries not mine as well as accounts/tradelines that are there when I was XXXX years old. 

Sometimes items from him get onto my report. I also have had my computer/phone hacked before.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO. (TX)

I made a rental of a XXXX XXXX over at the agency of XXXX  the day of XX/XX/19 for the amount of {$1000.00}. The charge was made the same day XX/XX/19 around XXXX. The XXXX XXXX would be picked up around XXXX. But the agency called me and notified me the XXXX XXXX was rented to some one else. Immediately I head over to the agency to figure out why. The XXXX  decided to sell me a XXXX XXXX for the amount of {$3000.00} total as is. The purchase was made around XXXX. The agreement was they were so-pose to refund me the rental fee of {$1000.00} for the XXXX XXXX   thats was not rented XXXX told me the money was going to appear in my account with in 3-5 business days.. the total amount that was charged to my account was XXXX on the day XX/XX/19. 
Now on the day XX/XX/19 there was another {$1000.00} recharged to my account. To know the reason of that charge I called XXXX  agency for an explanation. Their answer was the {$1000.00} that was removed from my account on the XX/XX/19 was not processed correctly that there was an error. I went to the nearest local bank and asked more information about that money and the bank said the rental fee was never in my account it was pending but never proceeded to make it valid. 
So now their is a confusion with my bank and XXXX of XXXX XXXX. Neither of them know where that rental fee went ... so some one is owing me that rental fee but neither my bank or XXXX  clears this mess.. 
XXXX  is willing to cooperate with me and show me any information but my bank does not explain properly.
Consumer complaint received 2023-03-01
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-04
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: EQUIFAX, INC. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2021-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

On XX/XX/2021, I received an alert that Enhanced Recovery Company has added an account with an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I know for certain I never any business with Enhaced Recovery Company. I need them to close this account with this alleged debt and delete it from my credit reports. 
Account : XXXX Amount : {$2000.00} " open date '' reporting : XX/XX/2021 XXXX
Consumer complaint received 2019-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have the same name as my father. There are inquiries not mine as well as accounts/tradelines that are there when I was XXXX years old. 

Sometimes items from him get onto my report. I also have had my computer/phone hacked before.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2021-09-04
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: JPMORGAN CHASE & CO. (MD)

This is in regards to my Chase Visa amazon credit card that in XXXX which has since been canceled. 

I had a fraudulent transaction that took place on XX/XX/XXXX at XXXX XXXX in XXXX XXXX, Washington DC. and XXXX XXXX XXXX in XXXX XXXX, MD for {$1200.00} and {$13000.00} respectively. I canceled the card and reported the fraud immediately and these charges were removed from my account. I recently saw in my last statement that these charges were rebilled back to my account. I was told that it was because there was an ID present at the transaction. 

I told the fraud specialist that my car was illegally entered into back in XXXX of this year, and I had the credit card stolen and an old expired ID was stolen as well. The thief must have used my old ID, even though it was clearly expired, to complete the transaction. He was able to do that because people can still use expired IDs due to COVID in some areas of the country. 

I have a text message from my parents on XX/XX/2021 that says that they saw on my security camera that someone illegally entered my car and took stuff out of the dashboard when they looked at my on my security footage. I also have evidence from my XXXX location service that I was in the vicinity of my home all day that day. 

Those transactions don't reflect a pattern of purchases that I make with that card. I ONLY use that card to make purchases off of amazon and they are never that large. It should be obvious that I didn't make those purchases What is worse, is that when I called XXXX XXXX in XXXX XXXX they have no record of the supposed transaction taking place on that day. That means the credit card company is lying when they say that I made the purchase in-person to avoid refunding me. That is unconscionable and why I am making this complaint. I have evidence from XXXX XXXX that I only made one purchase in XXXX, and it was not on that day. XXXX XXXX has no record of me making a purchase on XX/XX/XXXX.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have had several incidents of theft of personal identity items throughout the past years, birth certificates, social security cards, and IDs. I have endured years of fraudulent accounts being opened in my name during various timeframes. Several accounts have appeared on my credit report and I have relentlessly did everything in my abilities to communicate with all credit bureaus to have these items identified as fraud and be removed and even after supplying information of the police reports and criminal investigations that have been filed my credit file remains inaccurate and all 3 credit bureaus have failed to remove these inaccuracies. I am highly upset at the amount of inaccuracies that remain displayed on my credit file. I wish to have this matter resolved and removed immediately. Documents are attached to this complaint to support the multiple incidents of identity theft.
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

I am writing with all respect since I believe that you are the right people to help me solve the financial problem that I am facing, due to the negligence of the same CITI BANK employees, hoping that justice will be done to me with the credit card from your entity, which I have been using it for approximately 22 years, and it was canceled, without any reason, so this is my complaint that I have been doing for about three months, without anyone from CitiBank giving me a valid excuse All this harassment began on XXXX, when I requested to stop the automatic and / or recurring payment that I had been making from my checking account # XXXX to the credit card account : # XXXX On XX/XX/XXXX, an official of said entity, XXXX is his name, told me that he would take charge of solving the problem, either by stopping or stopping the automatic payment of the same card, without at any time mentioning that what I was going to do was REVERT THE PAYMENTS or something similar. And, on the other hand, I NEVER requested a refund or reversal of payment ( s ), which has just aggravated the situation. 

On the same XX/XX/XXXX, I got another letter with dated XX/XX/XXXX where I was notified that my CREDIT CARD WAS CANCELED DUE THE BAD MANAGEMENT, that as you can see, when the mishandling could have occurred, if it had not even been able to use it again because the employees to the bank had blocked it many months before, and I didnt a chance to defend myself, nor the opportunity to correct or clarify the mistake made by the Citibank people, much less make the payment that was required so that the credit account was not closed. - On XX/XX/XXXX, I got 5 letters dated from XX/XX/XXXX, the same month, so very intimidating, where the bank accused me to committed fraud!! and I must to pay immediately!!, For all this above and for what my rights have been trampled on, I request you the following petitions : 1- My credit card account mentioned above is reopened. 

2- My credit report is not affected. 

3- It tells me how I make the payment of the balance of the credit card in question. 

4- Justice is done by restoring my rights.
Consumer complaint received 2019-12-03
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: JPMORGAN CHASE & CO. (CA)

I have the same name as my father. There are inquiries not mine as well as accounts/tradelines that are there when I was XXXX years old. 

Sometimes items from him get onto my report. I also have had my computer/phone hacked before.