davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (IA)

On Sat XX/XX/XXXX I recd a letter in the mail from Westlake Finanical Company, LA, CA for a fraudulent loan that they purchased from XXXX XXXX XXXX in NJ. The monthly payment was stated as {$320.00} for a XXXX XXXX XXXX XXXX class to which I did not purchase, sign or co sign for. They had an incorrect email address listed on the form and bolded underlined section about how this may not match the address states or consumer credit report. I called the company 3 x and spoke to 3 different people ( XXXX XXXX, XXXX, and XXXX XXXX ) at XXXX. They all 3 gave me different information and were not helpful, very suspect, unprofessional and quite honestly seemed more like a debt collection. I could not speak to a manager or legal. I filed a report with the local Police Dept who also called and got no information as well. They will be issuing subpoenas and warrants. There as another name on the loan that I do not know nor never have - XXXX XXXX. I have contacted the credit bureaus to put an alert and freeze on my reports although both of these above names were listed as inquiries. This is a fraudulent use of my credit report in this auto loan process. Please advise next steps. 
Thank you
Consumer complaint received 2022-11-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-05-27
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$10000.00}
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: EQUIFAX, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 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
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NJ)

Back in XX/XX/XXXX this was deleted from my credit file from all 3 bureaus. This account was held by collection agency XXXX XXXX. Now on XX/XX/XXXX I'm receiving another collection letter with same company, same amount to which was already deleted. This is illegal and I have proof to submit that this a as in fact deleted. I don't know what practices are being played here but if I am willing to go straight to court and win {$1000.00}.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Applied Data Finance, LLC (NY)

Hello, I took a loan from Personify financials in 2018 in the amount of {$3900.00} A remaining amount of {$1300.00} was sent to a collections agency called XXXX XXXX XXXX last year. In XXXX of this year I called XXXX XXXX XXXX and they agreed that I should pay half of the {$1300.00} and the account will be closed. 

I did pay that but the full amount was still showing on my account until when I filed a complaint. Funny, enough the company has the account as still opened with an amuount of {$650.00} instead of closing the account as settled. 


I would be glad if you could help me with this issue Thank you
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc ()

Hi, I live in XXXX XXXX. I sold a very rare collectable Military XXXX Wrist Watch on XXXX for {$3000.00} XXXX on the XX/XX/2020 to a person named XXXX XXXX who lives in XXXX XXXX. I posted the item via XXXX XXXX XXXX XXXX to the buyer on the XXXX of XXXX After 1 week the buyer contacted me on XXXX messenger and asked me for a refund. She claimed that she had not received the item. However, XXXX XXXX tracking parcel showed that the item had successfully been delivered to the buyer. 

Beginning of XXXX PayPal contacted me regarding an open case in Resolution Centre that the buyer has claimed to her bank that she did not receive the item ; therefore her bank refunded her money. Then, PayPal withdrew the money from my PayPal account {$3000.00} and asked me to deposit the deducted amount. I contacted XXXX XXXX regarding this issue and I requested XXXX XXXX  to provide me a photograph document from XXXX XXXX that is indicating the buyers signature, her name and her address. The document clearly shows the buyers signature, her name and her residential address which she successfully received the parcel on the XXXX of XXXX at XXXX am. 

Afterwards, I emailed the America XXXX  document to PayPal Help Centre Seller Protection a few times. Unfortunately, I have not received any response regarding my email yet. I am constantly receiving emails and phone calls from PayPal financial department regarding my negative PayPal account. PayPal now has transferred this case to a debt collector company in XXXX. 

This is my PayPal case information ; Resolution centre Case No : XXXX Transaction ID : XXXX Buyers name : XXXX XXXX ( XXXX ) Items value : {$3000.00} Military XXXX wrist watch Date of purchase : XX/XX/2020
Consumer complaint received 2023-01-06
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2020-04-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Refuses to NOTIFY ME WHY?? THEY REVESED {$1.00}, XXXX CREDITS XX/XX/2019. NO NOTICE OF FRAUD OR DISPUTE NOT IN MY FAVOR?? USAA DOES NOT SHOW INTERNAL CREDIT INFO TO CONSUMERS. USAA CLAIMS ALL CREDITS ARE CREDITED I HAVE A RIGHT TO ** KNOW WHO MERCHANT IS OR WHAT CREDITS ARE ABOUT WHEN CREDITS TAKEN. HOW CAN USAA HIDE CREDITS THEY TAKE?????? I HAVE A RIGHT TO KNOW.!!! I HAVE BEEN HELD LIABLE FOR FRAUD FOR TWO ( 2 ) YEARS.
Consumer complaint received 2023-05-27
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)

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

I had a balance of XXXX on my card and payed about {$1000.00} something back in the beginning of XXXX and my balance still hasnt updated it says that the company last reported in XXXX. I contacted the company and didnt really give me a answer just said to try and pay the full amount i even showed screenshots of my current balance. I made about two or 3 disputes to XXXX  and it did change once but it went back to saying i still have a balance of XXXX out of XXXX a couple days later. Its already XXXX and it still hasnt changed my current balance that i owe as of today is {$180.00}.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

An accordance with the fair credit reporting act the this account below Has violated my federally protected consumer rights to privacy and confidentially under under USC 1681 section 602 a. Account name department of education XXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction. 15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (VA)

I was pushed into taking this loan for so much and when I didnt intend to get that much and I was never explained the way the interest works and now its a burden. People should be ashamed to trick the working class into thinking they can pay this much but once its final its and complete there is a lot of add one in there that werent explained either.
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MN)

I paid XXXX directly in full of {$450.00} on XX/XX/2020. XXXX stated the bill was paid in full and no credit collection acts would take place. By law, XXXX must recall the debt from Convergent Outsourcing. Therefore, Convergent Outsourcing has no legal reason to be reporting on my credit reports and must delete.
Consumer complaint received 2020-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have disputed these erroneous accounts with the credit bureau and each and every time they come back as verified with proof that these accounts are mine. I have been a victim of identity theft and I also reached out to the collection agency per the email on XX/XX/2020 and XX/XX/2020 to PRA dba Portfolio Recovery Associates at this email address : XXXX on several occasions requesting : a copy of the original written agreement between the parties, such as the loan note or credit card agreement, preferably signed by me, if the account has been sold to another creditor, then that credit must prove that it has the right to sue to collect the debt. This usually means producing proof that the debt was assigned to PRA dba Portfolio Recovery Associates. Often such proof will be a bill of sale an " assignment '', or a receipt betweent the last creditor holding the debt. Portfolio recovery association is a third party collection agency and they do not/should not be abiding by FCRA laws. FDCPA laws are the laws for third party collection agencies. Portfolio recovery sent me a copy of statements in which I clearly stated that A COPY OF THE ORIGINAL CREDIT CARD AGREEMENT BETWEEN MYSELF AND THE COLLECTION AGENCY/CREDITOR WITH MY SIGNATURE ON IT was the first sentence in the email I requested in the beginning of this dispute.Also, while disputing I stated if there is any negative information on my credit report regarding these fraud/erroneous accounts they need to be removed immediately! I requested this information on XX/XX/2020 and still have not gotten what I requested only a pre-made letter stating verified from the credit bureaus and a copy of some credit card statements that does not pertain to me. Copies can be made from anywhere I need original documentation which Portfolio recovery failed to do. I have screenshot part of the emails that I sent to PRA dba ( Portfolio recovery associates ) and attached as proof that I emailed this collection agency. If the entire email can be forwarded to CFPB I will do so if needed. Remove these 3 accounts immediately!
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX the bureas have violated my right by reporting payments on credit accounts on my consumer reports. 

Account : XXXX XXXX XXXX XXXXXXXX They are reporting a payment late on my cosumers report between me and this creditor. 
The bureaus have violated my rights. I have the right to privacy and a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is against the law and violating my rights. 

I need these late payments removed from my consumers report immediately as it doesnt follow the FCRA or any laws in that matter. Being that its against the law i know i can take legal action.
Consumer complaint received 2020-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OK)

I C Systems is reporting three accounts on my credit report for the amounts of XXXX, XXXX, and XXXX. I called I C Systems and asked for the dates of service for these amounts and was told they were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. I then called my insurance company to verify that I did indeed have services done on these days before I verified these debts to be accurate. It turns out that I do no have any EOB 's from any of these dates of service from any provider, let alone the original creditor, XXXX XXXX  XXXX. I would like I C Systems to remove these three accounts from my credit report.
Consumer complaint received 2020-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENOVA INTERNATIONAL, INC. (TN)

Submission of complaint : CashNetUSA CFPB, 1. I had a 2-year Flex Loan with CashNetUSA. Approved via telephone and opened XX/XX/XXXX. I had automated debit payments through my checking account. The loan was paid in full meeting the contract agreement on XX/XX/XXXX. 
Months passed and it was not reported on any credit reporting agency ; XXXX XXXX or XXXX With perfect payment history, I expected this positive loan account on all 3 credit bureaus influencing my credit score. 

2. I have contacted CashNetUSA multiple times in a 2 year period to have them report my paid off loan to 3 credit bureaus. Each call I heard the same information from " supervisors '' saying : " We do not report information to credit agencies ''. When I asked ; I cited the Fair Reporting Act 15 U.S.C. 1681. They refused to report my loan to any credit bureau. 

A. I asked if they reported negative information for nonpayment of a loan ; their answer was " yes ''. 

3. I have contacted all 3 Credit Bureaus. 
a. Websites : Disputing the omission of my 2-year flex loan through CashNetUSA. All 3 agency websites were not formatted or set up for disputes of " non-information '' or " information not listed ''. 
b. Phone calls : Several with no action. 
c. Mailed packages to 3 credit reporting agencies with multiple pages of detailed loan information and payment history. I received 3 letters back telling me to call them. After multiple phone calls to 3 credit bureaus explaining my case, CashNetUSA is still NOT listed on my personal credit reports. 

4. There has been no resolution as of today. XX/XX/XXXX. 

4. Attachments enclosed XXXX XXXX
Consumer complaint received 2023-01-09
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. (IN)

I have a XXXX XXXX XXXX XXXX that is reporting my account is 30+ days late on the three credit bureaus on XX/XX/XXXX. I have proof of a cashed check for {$300.00} on XXXX XXXX XXXX XXXX XXXX  has thru caused my credit score to drop over 50 points due to their error. I have requested this matter to be properly updated and still nothing.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I sent an extreme amount of letters and they refused to follow my consumer writes I have ask them over and over for them to follow law and stop obstructing my credit reports As to 15 usc 1681 B. These companies do not have permissible purpose of my consumer reports In accordance I never gave written instructions to them to violate my privacy at all Time ve ask them for any information in writing and they laughed and said those laws are not real smh. 

Please help me have them remove these accounts 15 usc 1681 N I also invoiced them {$1000.00} per violation in which there are 5 negative violations and also 6 hard inquiries I gave no one permission to permit They have not removed nor paid as these laws states.
Consumer complaint received 2023-01-06
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. (CT)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2023-01-06
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. (CT)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2023-01-06
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. (DE)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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  XX/XX/XXXX
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I deposited via an ATM a payroll check that was written by a Bank of America account holder on XX/XX/year>. There was a hold placed until XX/XX/year>. I called asking why Bank of America needs 5 days to verify if their customer has the funds to credit my account. I asked why it takes so long and was told because of growing fraud with checks in general. This is not the first time Bank of America has taken excessive time to credit my account with funds.