davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (CA)

This involves XXXX XXXX Westlake Portfolio Management. If they are doing this to me- they are most likely doing it to everyone and it is a matter of business practices. I hope you are able to use this case to put with others and get them to correct their business practices to be better in line with our laws and consumer protections or stop doing business so others are not harmed. 
This is what I have submitted at the XXXX for XXXX and Westlake Portfolio Management, each : I am trying to make a payment to Westlake Portfolio for XXXX Payments. Their system repeatedly says " Sorry, currently our system can't process your request. Please contact customer service at ( XXXX ) XXXX. '' But when I call the number provided they say they will not fix their payment portal but that I have to pay them over the phone - which is a ) not secure over the phone and b ) does not fix the problem so I will have to call again next month and the month after because they refuse to fix their system problems. Then they threatened me to ruin my credit by reporting me to all the credit agencies if I do not give him my credit card information over the phone rather than fixing their secure online payment system so I can long in and make my payments. " You are already 10 days late and I need to take this over the phone today ... '' In fact I have the email with XXXX from XXXX trying to pay them and it is now XXXX. 

I am now filing with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) against XXXX and Byte because my contract was with XXXX and they sold this contract to an inept and possibly illegal collection company and/or according to the website it is " XXXX Powered By Westlake ''. My hope is the Federal Government will be able to compile other cases and investigate. 

I contacted XXXX to get this resolved also and they simply gave me a form email to contact Westlake instead of resolving the problem either - and round and round we go while my credit is being ruined by these fraudsters!

You can see by the heading on their website that both Westlake and XXXX are responsible for this but neither of them is fixing the problem.
Consumer complaint received 2020-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (CA)

Moneylion has reported a alleged collection to the credit buraus for a alleged debt that I do not owe or have any knowledge of as I have been the victim of identity theft. I have sent a letter for validation of this alleged debt and have not received a response. Moneylion is violation of the Fair Debt Reporting Laws and the Fair Debt collection Laws.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied three times, a 'hard inquiry 's day of shame. I was rejected and declined a Walmart and capital ones credit program and a MasterCard is not being processed for XXXX XXXX dollar credit limit and in fine print each time even announcing you as some defense Walmart has not made it any easier on me and my loved ones. I was gurenteed offer after decline even. What a fraud life is claiming. I need my MasterCard as intended by credit application and even fair trade. When will any of you do the right thing for the people of the XXXX XXXX, California. I am a US citizen I hope Walmart by national enterprise is not to blame for the discrimination I feel today. As of yesterday XX/XX/XXXX..e Way to insult a XXXX XXXX this day and age. Have mercy on us all still seeking our salvations. Please help as of XX/XX/XXXX urgent request for rewards card send in mail end of dispute
Consumer complaint received 2023-01-11
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. (WA)

disputed on XXXX XXXX accounts reinserted bXXXX XXXX XXXX XXXX XXXX was deleted in XXXX and then reinserted without a 5 day notice in XXXX. Removed again on XX/XX/XXXX, XXXX as you see in documents. XXXX XXXX XXXXXXXX was deleted in XXXX and then reinserted without 5 day notice i n XXXX. Removed again on XX/XX/XXXX as you see in documents. Reinserted for a 3rd time without 5 day reinsertion notice XX/XX/XXXX. I wrote XXXX XXXX  a letter asking for proof of debt and showing it had been deleted prior. no reply for 5 weeks
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I filed a dispute with CFPB on XX/XX/2018 in regards to a bankruptcy reporting on my Equifax file ... Equifax responded to me stating they had reviewed the information in case # XXXX and that the bankruptcy is currently reporting correctly if I have additional questions to contact XXXX XXXX XXXX XXXX I did contact the court and they confirmed they DO NOT and HAVE NOT reported and bankruptcy information to Equifax or any other credit reporting agency they also said they didnt received any request from Equifax to confirm or verify anything in regards to me ... .Equifax also listed XXXX XXXX XXXX I contacted them as will with the same response XXXX XXXX also confirmed to me that I file with them is suspended due to previous fraud alert this no information on me would be released to Equifax
Consumer complaint received 2018-05-05
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: CNG HOLDINGS INC (NY)

The company XXXX XXXX has reported me to the collections agencies claiming I owe XXXX. I have no idea who this company is or who they are referring to that I owe money. I have never received anything in the mail about this company or that I owe money. Im not even sure which XXXX XXXX company this is for as there are many of them in different areas. It shows on my credit report that its rental/leasing, no clarification as to what kind. I have no information to get ahold of them so I have not contacted them.
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

I paid XXXX XXXX XXXX directly and by law, they must recall the account from Helvey & Associates. Therefore, Helvey has no legal reason to be reporting on my credit reports and must delete.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Global Credit Union (AK)

XX/XX/XXXX bank was called and a higher up was notified about my debit card getting cancelled many many times. Fraud and dispute are doing this. Senior person of dispute recorded me without permission and knowing until I ask. She kept asking what what??? It was not cool to be recordedXXXX went into 2 banks and noone at XXXX XXXXXXXX XXXX XXXX XXXX could not help. XXXX from back support said someone wanted to talk Monday to me but no calls to my phone on Monday. I called the bank and we did not work out a resolution. I guess its their way or no way!!!!!!! I have been a member for a very long time. This is nonsense getting my Card canceled many times and others blocking my card.. On XX/XX/XXXX talked to an acting supervisor and he had me write my concerns down on paper with me attaching some mail I received about old and new accounts at XXXX XXXX XXXX XXXX not have an old account anymore. Dispute suggested when I was scammed in XXXX, I open a new account with new card. This senior person I talked to today just wants Information and was not helpful.. Thanks.. XXXX XXXX
Consumer complaint received 2022-11-02
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. (PA)

My name XXXX 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 2020-11-06
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. (GA)

I HAVE BEEN TRYING TO GET UPDATED INFO ALL YEAR LONG ON THIS ONE ITEM ON ALL 3 CREDIT REPORTS IN WHICH THE ACCOUNT WAS PAID AN FULL BACK XXXX AN IT IS STILL REPORTING NEGATIVE THE ONE THAT SAYS XXXX XXXX
Consumer complaint received 2022-03-01
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: Penn Credit Corporation (CT)

Penn Credit is reporting a fraudulent account on my credit. I dont know what this account is nor did I authorize anyone to open it on my behalf. I am requesting the immediated removal of Penn Credit from my credit. Please see the attached FTC report and my driver license.
Consumer complaint received 2022-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WA)

I applied for XXXX student loan forgiveness in XXXX, XXXX. On XX/XX/XXXX, I received a letter from FedLoan Servicing stating my application had been received. But when I call ( XXXX ) XXXX to check on the status, there is no record of my SSN or account number. I have to wait about two hours to talk to someone only to be told they have to route me to the " correct department ''. Then I get disconnected every single time. I have called on the following dates : - XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX The letter says it can take XXXX to 120 days to process my application, but that is unreasonably too long considering everything is done through electronic interfacing. If nothing else, the system should still recognize my SSN or account number, otherwise I would not have received a letter confirming application receipt. 

I believe FedLoan Servicing, like several other student loan servicers, are engaging in fraud. They are billing the government for services they are not actually providing to borrowers and they make it impossible to contact them.
Consumer complaint received 2023-03-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

It is a medical collection from an XXXX  office that was part of my XXXX XXXX. I had XXXX  insurances at the time of the procedure in XXXX  and they did not send ir they it late to my secondary insurance does they were not paid as per my previous insurance company. They put this collection without any written notification to me stating that I owe anything. I was just surprised that I am being harassed by this collection agency ARS account resolutions stating that I owe XXXX XXXX XXXX which has a lot of complaints same as mine. Please help me remove this collection from my report as I am not responsible for this. Thank you.
Consumer complaint received 2021-10-23
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: Navient Solutions, LLC. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX is required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

Sears continues to report that I have a collection balance owed to them for over {$2000.00}. This is incorrect, as I legally settled this debt in full with their attorney, XXXX XXXX XXXX XXXX, in the past. This account should now report {$0.00} owed. I have disputed this account at XXXX, XXXX, and XXXX XXXX ; but Sears continues to tell the credit bureaus I owe them money, when this account has already been settled in full. I am attaching a copy of the settlement with the Sears attorney, but you can also call the attorney at XXXX, to confirm the account has been resolved.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

Spoke to HUNTER WARFIELD about making possible payment arrangements. Prior to the pandemic - we had made a total payment amount of XXXX. When I spoke to them back in XXXX - I was told my balance was approximately 1300.00. they wanted the amount paid in full. I told them I was out of work and couldn't pay that due to the pandemic. we ended the call with them still asking for the full amount. Fast forward to XX/XX/2020. I was told I owe XXXX! I asked for payment arrangements of XXXX per month. she said she would ask her manager BUT please be advised I would have to pay a XXXX processing fee PER payment they process. I asked if I could mail the payment in to avoid the fee. I was told NO - If I mail it in - that is not considered a payment arrangement. I was given no other choice to avoid the XXXX fee. If I was to pay XXXX dollars a month on the wrong amount of XXXX that would be an extra XXXX dollars just to process payments. 
I feel like this is unfair collection practices by not giving ME the consumer an option. Additionally - my balance has been inflated by XXXX!
Consumer complaint received 2022-03-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2020-07-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (NJ)

Noticed a large decrease in my credit score and noticed a new collection from Midwest Recovery Systems trying to collect a debt for XXXX XXXX XXXX. Ive never had a payday loan & know this account does not belong to me.
Consumer complaint received 2022-07-22
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)

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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX 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 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: WELLS FARGO & COMPANY (AR)

WE WERE GIVING NO CHOICE BY WELLS ON WHAT CREDIT REPORTING AGENCY TO PULL, THEY FORCED US ON XXXX WHICH IS THE WORST OF ALL, THEY ARE IN COLLUSSION TOGETHER AND BREAKING DODD FRAN ACT. REMOVE ALL HARD PULLS FROM XXXX OR FACE CLASS ACTION LITIGATION.
Consumer complaint received 2022-07-22
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. (FL)

In 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 instructions
Consumer complaint received 2022-02-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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: Phoenix Financial Services LLC (GA)

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : a creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-02-12
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: Santander Consumer USA Holdings Inc. (CA)

I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX  credit report. The error which prompted this credit report dispute include late payments since XX/XX/2019, SANTANDER CONSUMER USA. I am kindly requesting SANTANDER CONSUMER USA to remove this late payment from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (MI)

I am trying to regain employment & the background check that was provided is very inaccurate I just look myself up on the XXXX XXXX  XXXX  XXXX & it comes up 0 matches found, so this company that performed the background check is very inaccurate this is horrific & I am highly upset & inaccurate & I do not appreciate this false information, this will affect my employment
Consumer complaint received 2024-03-23
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: Paypal Holdings, Inc (CA)

While I was in XXXX XXXX on XXXX XXXX XXXX with my family we entered XXXX website to buy tickets for the show in XXXX for XXXX persons. 

The website of XXXX  showed total sum of {$250.00} for XXXX persons. When I pressed the button to book tickets for XXXX persons the sum without any prompt got substituted by the sum {$1100.00} and got applied automatically. This website acted like a scam service substituting and applying the sum automatically which was several times more than the advertised sum for a total of XXXX tickets. 

I started calling to XXXX to cancell - during the conversation it turned out that they are actually a third party call-center which is not responsible for anything and can not correct or cancell anything but are affiliated with XXXX. They being informed of the acute situation merely wasted time taking no action. 

Thus we immediately applied to paypal explaying that we did not intend to spend this big sum {$1100.00} because it is out of our budget. 
Paypal carried out its own investigation days later and as a result said that the seller informed paypal that I used their service and as a result the funds will not be returned to me. I asked if the XXXX has proof that we actually visited the event while we were not there physically, I called to cancell XXXX  service immediately after fraudulent activity of substituting large sum and applying it automatically without prompt on their website, moreover applied to paypal itself immediately to cancell the transaction. 

Regardless of us not present at the event as a consequence and immediate actions from my side to cancell at the first minute after booking a fraudulent service the decision of paypal was made in favour of the fraudulent seller. Paypal saw my immediate cancellation and still took the sellers side who has no proof that I actually visited the event but takes sellers side only because they said the delivered the service to me.