davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

On XX/XX/XXXX I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, SC XXXX. Included in my loan contract was a specified amount of {$2700.00} for a 2 year warranty that would be included in my bi-weekly car payments. After the 2 years were up, it was communicated that my payments would go down. On XX/XX/XXXX I received an email from Westlake Portfolio Management that they were my new service provider and that US Auto Sales closed down XX/XX/XXXX. After speaking with Westlake multiple times, I have been advised that US Auto Sales sent over my contract to include the warranty price ; the warranty is no longer valid but I still have to pay for the price of the warranty with my loan. When asked if the warranty price can be removed from the loan to lower my bi-weekly payments, they advised it would not be possible AFTER already being told by a Westlake supervisor that my payments would go down and they would take care of it. On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX to see about refinancing my auto loan. I was advised by the bank that my car is only worth {$11000.00} and my total loan amount was {$21000.00} so I was severely overcharged for my vehicle. Westlake Portfolio Management did not take over the warranty so I am stuck in an upside down contract due to promises made by XXXX XXXX XXXX  that were never fulfilled with no warranty on my vehicle. I am now having mechanical issues with the vehicle with no warranty and am still obligated to make my bi-weekly payments ; due to financial reasons I may have to voluntarily surrender the vehicle which will affect my credit because I can not afford to pay for the repairs and the car payments. I have an open case with SC Dept of Consumer Affairs but all complaints about XXXX XXXX have been suspended until they can advise of next steps. As of today XX/XX/XXXX, I have voluntarily surrendered the vehicle and now am in even more debt due to XXXX XXXX XXXX  not handling business properly.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - 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 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} - DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED. 

Delete the above inquiries and fraudulent accounts on my report.
Consumer complaint received 2023-05-21
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. (TX)

XXXX XXXX XXXX  Texas and XXXX XXXX XXXX  have violated my rights, they are reporting late payment to the credit bureaus and under these US codes, reporting my payment is considered as a transaction which is to not be reported on my consumer report. I have reached out to XXXX XXXX XXXX  Texas and XXXX XXXX XXXX  they have yet to reverse the late payment or report it OK I also sent letters to XXXX, XXXX XXXX and Equifax notifying them of the violation but they are still reporting the payments late as well 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-02-19
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. (MN)

I do not recognize these hard inquiries on my credit report. I dont believe these to be correct on my credit report. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED. 

Delete the above inquiries and fraudulent accounts on my report.
Consumer complaint received 2024-03-14
Product: Credit reporting 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. (NV)

There are XXXX inquiries on my report that do not belong to me, I called XXXX the creditors, XXXX XXXX XXXX XXXX  they looked up my social, date of birth, name and said they can't see anything listed for me. I said how can that be then it's an error I asked them to remove it and they told me to call credit bureaus back. I need your help.

Next, I gave auto company authorization to run my credit and they sent it to XXXX companies that i had no knowledge of. This makes no sense and I have no other outlets. 
Also, I had fraud alert and Active-duty status on my credit profile until yesterday XX/XX/year>. I am not sure how some of these creditors got through without extra verification, but i would like something done or some help. 

Thank you kindly, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-13
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. (CA)

Equifax allowed several inquiries on my report that were not authorized as required by Federal Law. Equifax aware they mixed my name and social security number with another person and refuse to fix the accounts mixed and inquires. By law any unauthorized inquiries and fraudulent accounts will need to be removed from my credit report immediately.
Consumer complaint received 2024-03-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I hope this message finds you well. I am writing to you via email to ensure that our recent conversation is properly documented. Today, I received a call from MOHELA XXXX, during which I spent XXXX minutes discussing my concerns and lack of trust in their organization, particularly in light of a falsified loan document sent from XXXX MOHELA. Regrettably, the conversation was abruptly terminated by the representative, which I find both ridiculous and wholly unacceptable. Such actions do not align with the expected standards of customer service, especially in situations involving potential fraud and financial matters. For the past XXXX months, I've consistently reached out, documenting each attempt but unfortunately, there has been no response or cooperation. They claim to lack my original loan documents, although I've sent them digitally. The loan terms have been altered from $ XXXX over 36 months to an alleged $ XXXX with a XXXX term. Despite involving my legal team, the issue persists. Should I consider contacting the credit bureaus for assistance in this two-month-long ordeal? Here are the loan documents that are my original then the XXXX XXXX they sent me, I also covered up my address and XXXX for my privacy. I kindly request your immediate attention to this matter and appreciate your assistance in addressing these concerns promptly. Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-13
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. (CA)

This company charged off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

Per 12 CFR 1022.42. There has not been Reasonable policies and procedures concerning the accuracy and integrity of furnished information through Equifax, as XXXX deleted this account.
Consumer complaint received 2023-08-13
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. (CA)

This company charged-off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Citibank has unlawfully kept {$9500.00} of my money. The most recent attempt to resolve this matter was thru phone with Citibank 's Executive Office on XX/XX/XXXX. They confirmed my checking account had been closed on XX/XX/22 and the balance was {$0.00} at the time of closing. Citibank has been unable to provide an explanation as to the destination of the money or whether this amount is ever going to be repaid to me. 

I opened a checking account with Citibank on XX/XX/22. The available balance on this account as of XX/XX/22 was {$9500.00}. Upon accessing my account online, their system notified me that my account had been blocked. I reached out to Citibank more than XXXX times and spoken to more than XXXX employees in their customer service and fraud departments, and executive office, visited their retail branch, spoken to one of their bankers and the manager at their branch.
Consumer complaint received 2023-08-13
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. (CA)

This company charged off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.
Consumer complaint received 2024-06-01
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received an email from Kohls on XX/XX/year> at XXXX. It says this : " Important Notice of a Change in Terms This notice provides a summary of changes that are being made to your Kohls Card Account Terms ( including to the new Account features offered on your new Kohls Rewards Visa card ). These changes will take effect on XX/XX/year>. 
You have the right to reject the change to the Interest Charge Calculation in the Revised Terms table below until XXXX XXXX XXXX  on XX/XX/year>, by calling XXXX. If you reject this change, your Account will be closed on XX/XX/year>. '' Their systems will not let me reject the change in Interest Charge Calculation, which is the following : " We will begin using daily periodic rates in place of monthly periodic rates in calculating Interest Charges. See enclosed Account Terms under sections What Are The Daily Periodic Rates Used To Calculate My Interest? and How Do You Calculate The Interest Charge? for details. 
We will continue to use the average daily balance ( including new transactions ) balance computation method, however, new transactions may now include the prior days Interest Charges that will be calculated daily instead of monthly. '' On XX/XX/year> I called XXXX to reject the change and was told by the rep that they are not trained for this and she provided me another number to call which is XXXX. I was concerned that this was fraudulent so I logged into my Kohl 's credit card website and clicked on the " contact us '' to grab the customer service number XXXX. I called that number and the rep told me to call XXXX. I did, and it was a number meant for those who already have a 16 digit Capital One card, which I don't. I only have a 12 digit Kohls store card. So, I called the customer service number on the back of my Kohl 's card XXXX. They said they did not have any information regarding helping me with the Capital One rejection but that they could go ahead and close my account regularly. So, I hung up and called the XXXX, the number I was afraid was fraudulent, which asked me to key in my 12 digit Kohls store card. But it would not register that I was typing in any numbers at all - I tried 3 times during that cellphone call. Then I hung up and called from my work phone and it still would not recognize that I was keying in any of the numbers from the front of my Kohls store card. 

Is it not illegal to provide notification of change of terms with instructions on what to do and then not allow the consumers to perform said instructions? 

I have never been more embarrassed of just how shiesty the American financial system is.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX, I submitted an application for the Citi XXXX XXXX, but it was rejected due to my XXXX bankruptcy. Seeking assistance, I contacted an application advisor at XXXX. I explained that according to the Fair Credit Reporting Act ( FCRA ), banking institutions can not decline applications based on bankruptcy after 4 years from discharge. The advisor reviewed my credit report, acknowledging that my bankruptcy had been discharged for 4 years, and recommended I reapply after XX/XX/XXXX. They believed there was a good chance for approval since I had built credit post-bankruptcy. Following their guidance, I reapplied on XX/XX/XXXX, only to face the same rejection due to bankruptcy. Frustrated, I contacted another application advisor that same day. This advisor contradicted the previous information, stating that bankruptcy could still be a reason for denial for up to 7 years. I contested this, referring to the FCRA. I asked them to reevaluate my application, prompting them to escalate the matter to the ER department for review. They assured me of a response within 15 days.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were stillincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (SD)

I received email communication from this company and responded to the email in the manner that they laid out in their communication with a debt verification letter. I have not heard back from them via email or postal mail. I am not able to verify the stat and more than 30 days has elapsed.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (SC)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mol 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any XXXX such debt, in fact therefore exists
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (SC)

On XX/XX/XXXX and XX/XX/XXXX Professional Debt Meditation updated my credit files with inaccurate collection information. Professional Debt Meditation, are debt collectors attempting to collect a debt on behalf of XXXXXXXX XXXX XXXXXXXX. I have not received any services from Professional Debt Meditation, I am not a party to their agreement with XXXX XXXX XXXXXXXX, I have not agreed to pay/ tender anything to Professional Debt Meditation, I have not provided any releases of my living arrangements to Professional Debt Meditation, and I have no idea how Professional Debt Meditation received my private information. Upon researching this company ; Professional Debt Meditations website where they are requesting payments is not secure, Professional Debt Meditation does not list a point of contact, they have several different addresses reporting to the credit bureaus and multiple phone numbers. I have not received any documentation from Professional Debt Meditation to allow them to verify the accuracy of their data before placing their account with the credit bureaus for collection. As per the XXXX XXXX XXXX : Professional Debt Meditation continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. Professional Debt Meditation does not have my permission to contact me by phone. Mail only. My address has been provided on their validation notice CM # XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-18
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: AMERICAN EXPRESS COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.