davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Westlake Services, LLC (NY)

I am writing to request verification of the information recently provided to me by Westlake Financial Services. As a customer, it is imperative for me to ensure the accuracy and legitimacy of the information provided. 

Could you please provide details regarding how the information I received was verified by Westlake Financial Services? This includes but is not limited to the verification process, sources used for verification, and any additional steps taken to ensure the accuracy of the information provided. 

Furthermore, if Westlake Financial Services can not verify the requested information, I kindly request that the associated charge off be removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information at your earliest convenience. 

Thank you for your cooperation.
Consumer complaint received 2024-04-10
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: SYNCHRONY FINANCIAL (GA)

On XXXX XXXX I made a promotional purchase on my synchrony care credit credit card. The amount was for {$770.00} and my promotion was set to expire in 12 MONTHS. My monthly payments were being paid BEFORE TIME. I was approved to upgrade my care credit card to a care credit Mastercard with savings & perks to be used wherever Mastercard is accepted ; so I started using my card everywhere. I paid off EVERY STANDARD PURCHASE & made payments towards my PROMOTIONAL {$770.00} purchase. In XXXX on the XXXX before my bill was due on XX/XX/XXXX. I made a HUGE 1 time payment in the amount of {$1400.00} & I called to tell the customer service representative to ALLOCATE/ APPLY/ PUT/ etc my payment towards ALL standard purchases. I checked my bill in XXXX & my money WAS NOT applied correctly, my payment of {$1400.00} was used to pay off my 1 YEAR PROMOTION. I was very upset & I called back in & I was told it will be corrected but it takes up to 2 billing cycles. I waited until XXXX, my account WAS NOT corrected & there were 2 interest charges on my account the XXXX one was for {$25.00} XXXX XXXX & the next was for {$23.00} XXXX XXXX. I made a call & I spoke with a manager name XXXX I explained to XXXX after explaining the problem to 6 other representatives who recorded & have transcripts of all my calls turned complaints! XXXX stated I see the problem, we made an ERROR, Im sending the issue over to my teams who can reverse & allocate the money in the manner you requested & intended. I had to repeat 6 times in the first 3/months Im not paying off my 1 YEAR promotion! Im paying ALL STANDARD PURCHASES, if you dont pay a standard purchase in FULL the balance of whatever you leave will be charged INTEREST! MADE IT VERY CLEAR, WHY WOULD I PAY MY PROMOTION OFF BEFORE PAYING MY STANDARD PURCHASES OFF? Im being CHARGED INTEREST UNFAIRLY! Thats illegal to charge me interest on a promotional offer that clearly states, if this promotion is paid off in one year from the date of purchase with monthly payments there will be NO INTEREST! Now I have 2 more interest charges {$18.00} XXXX  & {$15.00} XXXX. I DO NOT OWE ANY INTEREST, I have a second promotion on my account that I charged in XXXX on the XXXX for {$520.00}. Its also a ONE YEAR PROMOTION, its on my account, its correct but my other promotion is still showing paid in full & I did not want it paid in full & I want my account CORRECTED WITH MY TWO PROMOTIONS & ALL INTEREST FEES DEPLETED! I dont owe ANY INTEREST & after this is resolved Ill be happy. I spoke with XXXX XXXX on XX/XX/XXXX @ XXXX XXXX who stated she sees the entire transcripts from XXXX through XXXX but she had no authorization or authority to fix the account. XXXX transferred me to XXXX XXXX but he couldnt figure out if he was a representative or manager & he was not helpful in any way.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (OH)

n accordance with the Fair Credit Reporting act XXXX Account # 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 instruction 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 2019-09-20
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. (FL)

On XXXX-19 I applied for a car loan at XXXX XXXX XXXX XXXXXXXX. I was prompted with a congratulations you are approved. I went in on my next day off with one of the cars I was interested in from the online portal. Once I arrived a sales man greeted me asking have I been there before. I responded no I was approved online and this is the car I was interested in. I test drove the car and fell in love with it. After he started asking me for my validation of income reassuring me that I was approved. I gave him all the info he needed. And now 10 days later I have 11Hard inquiries. I never approved that. I would never do that to myself. I was planning on buying a house in XXXX. This disgraceful situation has made my credit score go from a XXXX to a XXXX. This by law should be illegal. Sometime highly recommend me to respond to you. Whomever gets this please fight for me and all the other victims of this type of sales tactic. Thank you again for your time and consideration ...
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ABSOLUTE CREDIT  LLC (PA)

I submitted my initial complaint in late XXXX stating that this debt was placed on my credit report without written notification. This company is violating my right to dispute a collection before it is placed on my credit report. In addition, this company hasnt provided validation that this debt belongs to me.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (NC)

On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of XXXX XXXX , XXXX A/K/A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or XXXX of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by XXXX that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to U.S.Bank Trust, N.A. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from US Bank giving XXXX XXXX the Authority to dispose of these matters as it concerns XXXX XXXX XXXX XXXX XXXX, NC XXXX.
Consumer complaint received 2019-07-09
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. (NJ)

Equifax and XXXX XXXX are disregarding FCRA statutes and FDCP statutes. By ignoring my certified request. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Equifax has willfully refused to acknowledge my request. In the attached documentation you will see that a I request EQ XXXX XXXX  block of the above listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

I contacted Citi card recovery company in regards to my account that was charged off. They informed me to contact the Client Services a collection company that they sold my account to, so as I contacted the Client Services we agreed on a settlement and they was supposed to draft it out of my account. Days went by and, I noticed that they didnt draft the funds from out my account so immediately gave them a call and they then informed me that they no longer have account in there system because it was fraud on the account so they sent it back to Citi Recovery. So I contacted Citi recovery again for the second time and told me the same thing that sold my account to Client Services I explain to them what the company told and the agent told me to allow her sometime to look deeper in my file and then she came back and told me to call back on the XX/XX/XXXX because the system will be updated by then. On XX/XX/XXXX I called back to Citi Recovery and now they are telling me that they no longer have my account it was sold in XXXX and they dont have the company name they sold it to. When I asked the agent can she send me a letter in the mail stating that they no longer have my file and they not sure what company it was sold to she acted like she couldnt understand me and then hung up the phone on.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (NY)

The purpose of this credit repair letter is to inform you that the derogatory accounts on my credit never had my permission to go through my credit report and I have asked them to remove any negative actions from my credit. Some of these accounts like XXXX and security credit services were contacted by me, explained and sent proof that these acts are not mine XXXX because I was no longer living at that property and had called and canceled all services and Security Credit I was a victim of identity theft. Since I did not authorize these companies to obtain my credit report, I demand that these items be removed immediately and and my credit score be adjusted accordingly. I appreciate your attention in this matter. 
Respectfully, XXXX XXXX XXXX.
Consumer complaint received 2018-11-26
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. (WA)

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, ( Original Creditor : XXXX XXXX XXXX  ) XXXX, and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I found a error on my credit report months back from a company I've never heard of or never done any business with I've never had a loan anywhere with anybody and I don't have any credit so use Experian to check my credit report and this is where I saw the era I disputed this with them as many times as they would let me I'm not certain how many times that was but they won't let me dispute it anymore I've done it so many times they refuse to listen to me at all and are listening to this fraudulent company named XXXX  that has somehow stole my information and created a bogus account in my name saying I owe them {$20.00} it's literally ridiculous and been the worst nightmare I've ever had to deal with considering Experian would not assist me in any way I contacted directly the company after finding them I had no idea who they even were to look up and took me a minute to find them and they are very fraudulent they are they gave me the runaround basically and they have asked for all of my personal information again like I would give it to them considering they stole it to begin with and wanted me to file a fake police report that I did not need to file it's just been an absolute disaster but I hold Experian responsible for going along with a fraudulent company and backing them up and letting them mess up my credit report for something that they know nothing about these people can not give me any confirmation or information of me signing anything with them reason being they don't have it Experian does not care they are still backing this company and I think that it's the most horrible thing I've ever witnessed that this is allowed and they need to be stopped
Consumer complaint received 2019-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (UT)

Sold items on XXXX through PayPal starting XX/XX/2019 all items sold correctly and Buyers all stated they received items. PayPal is holding my money for 6 months now and it has been 2 months already. I have been treated rudely by customer service sometimes 5 hour waits on phone calls. I am XXXX and need my money badly to pay bills etc
Consumer complaint received 2019-07-09
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. (NJ)

XXXX and Trans Union are disregarding FCRA statutes and FDCP statutes. By ignoring my certified request. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX  has willfully refused to acknowledge my request. In the attached documentation you will see that a I request XXXX XXXX TU block of the above listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency.
Consumer complaint received 2021-12-01
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-26
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: Experian Information Solutions Inc. (DE)

Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with experian to XXXX, XXXX   drop 30 in 2 weeks and same with XXXX. I do believe that i am being unfairly targeted.
Consumer complaint received 2022-12-15
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: PENNYMAC LOAN SERVICES, LLC. (FL)

Always had perfect payment history never Gad a late payment, they had an issue with the auto pay and never notified me of anything until they reported late payment and when I called to dispute they said they will remove it and never have
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (TX)

I contacted XXXX XXXX XXXX company in regards to my account that was charged off. They informed me to contact the Client Services a  collection company that they sold my account to, so as I contacted the Client Services we agreed on a settlement and they was supposed to draft it out of my account. Days went by and, I noticed that they didnt draft the funds from out my account so immediately gave them a call and they then informed me that they no longer have account in there system because it was fraud on the account so they sent it back to XXXX XXXX. So I contacted XXXX XXXX again for the second time and told me the same thing that sold my account to Client Services I explain to them what the company told and the agent told me to allow her sometime to look deeper in my file and then she came back and told me to call back on the XX/XX/XXXX because the system will be updated by then. On XX/XX/XXXX I called back to XXXX XXXX and now they are telling me that they no longer have my account it was sold in XXXX and they dont have the company name they sold it to. When I asked the agent can she send me a letter in the mail stating that they no longer have my file and they not sure what company it was sold to she acted like she couldnt understand me and then hung up the phone on.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: O&L LAW GROUP, P.L. (FL)

I have attempted to contact XXXX XXXX and the City of XXXX attempted to contact them via mail and e-mail at the attorney on the file at that time. 

Request - adjustment of fees owed on debt for XXXX # XXXX Notice to appear after written request - approved one day before date to appear Received AFTER date this year XXXX. 

Judgement dated XXXX {$2600.00} attempts to contact attorney on file from City of XXXX. dating back to XX/XX/XXXX copy of title search on file shows debtor mail was returned to City of XXXX. In XXXX calls and mail unsuccessful to solve debt. Now debt amount $ XXXX. 

Wrote requesting adjustment of interest and none given. This is an attempt to have the debt adjusted and then I can submit payment. 

Now attorney is XXXX XXXX XXXX XXXX XXXX XXXX credit card debtor XXXX XXXX XXXX  XXXX.
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Co LLC (PA)

I was renting a month to month building on my property a carport and the company I was renting from I decided to cancel and that was in XXXX and on XXXX XXXX XXXX the company cancelled the contract with a amount due and this company Debt Co is trying to charge me double and they said it was for another bill but that doesnt even make sense because the the next payment would even make it that much and I kept being threatened by associate that I if I didnt sign the paper allowing permission to go on my property then they would charge me XXXX and I have all this in email correspondence
Consumer complaint received 2024-04-08
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received an email from Bank of America on XX/XX/2023 stating that they sent me a check with the money left over in my account but it was sent return to sender and I needed to update my address. On XX/XX/XXXX I called B of A and updated my address, they advised me that I needed to into a branch with my ID to verify my identity, which I did. They stated they would send the check after I did that. I never received the check. I called again on XX/XX/XXXX to check the status, XX/XX/XXXX and today, XX/XX/XXXX, every time I call I spend at least XXXX hour being transferred to different departments, and every time, I am given a different story. They told me they didn't have my updated address at one point, even though they send mail to my new address prior to the conversation, in XXXX they told me they re-issued the check and to call back if I don't receive it. Nobody can give me a straight answer as to why the check hasn't been sent and why I keep getting different stories.