davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (PA)

Sadly there was a returned payment on XX/XX/XXXX to my load provider West  Lake Financial. I was not notified via mail or phone. I was out of town working in MD. XX/XX/XXXX I come back and have a knock at our door at XXXX. A repo guy. He had the car hooked up. He asked for the keys and I emptied my car. In 2 hours we paid XXXX via XXXX as no other payment was good. We were told you couldn't pay on the spot. ( If I knew we had an issue before hand the cash was in the bank. ) So I called Westlake Financial to give them the XXXX confirmation number. Well, I was told I have to wait 24 to 48 business hours. I was told they only made 1 call to notify me and that they admitted they didn't leave a message. I was told that it was my problem and not theirs. 

I then called back later to ask if we could avoid having this on my credit report. The guy on this call was very rude and mocked me over the phone. He told me that should know how to pay my bills and that it was my fault and to deal with it as I was going to have that on my record and nobody will remove it. I have issues getting people on the phone to discuss these matters and I was told they do not allow customer to talk with the collections department that decides what is going on. In addition to paying the XXXX which included the processing fees, repo fees I logged into my West Lake Account and found they are trying to charge me another {$350.00} that was already paid. I had called XX/XX/XXXX around XXXX and asked why I was being charged 2x. They said they didnt get all the money and yet I had paid them via XXXX XXXX on XX/XX/XXXX. My account reflects they got the XXXX and shows no payments due but this repo fee. 
I want the repo removed as we were not notified and I was told that because my check didnt clear they had the immediate right to take possession of my vehicle since they made it 2 months behind. In addition, this was not my original lender. I was to have been with XXXX XXXX  ; however, after a month I was told our loans were moved to XXXX XXXX without any agreement or documents. I didnt agree to have this company as my lender and I didnt sign a loan agreement with them. There are numerous complaints on a site called XXXX XXXX. Why are they allowed to treat people this way. I am a single mom with an XXXX child and I can not afford the stress and all they had to do was communicate.
Consumer complaint received 2021-10-27
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. (TN)

I was notified through XXXX XXXX  that there were some inquiries that reported to my account that was not authorized by me. These inquires have brought my score down almost 10 points. I believe someone has stolen my SSN and is trying to apply for things in my name.
Consumer complaint received 2019-03-25
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)

I have sent letter after letters since XXXX of last 2018 to remove bankruptcy 's and any accounts that was included into the bankruptcys from credit profile to XXXX, XXXX and transunion and they refused time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court and XXXX stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE or verify the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 6 months to remove and have not.
Consumer complaint received 2018-08-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2018 I submitted a dispute to XXXX, XXXX and Experian in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.
Consumer complaint received 2022-07-21
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: LEXISNEXIS (MI)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2019-08-29
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

In XX/XX/2022, Citizens Bank purchased XXXX bank accounts. On receiving this news, I removed all my balances from XXXX and opened a new account at XXXX XXXX. 

Unknown to me, all my accounts were transferred to Citizens Bank. Also unknown to me, there was overdraft protection and line of credit account opened for me at Citizens bank WITHOUT my consent or knowledge. 

A few months later in XXXX, I get a text from citizens collections department that I owe them money. I call XXXX bank and they tell me that i have an account that is in overdraft ( to my shock, since I don't even have a citizens debit card ). 

I learned that my XXXX account link to my XXXX was automatically changed to Citizens Bank ( again without my knowledge or consent ). Every time I was using XXXX- this was going from a line of credit, without my knowledge. 

Upon learning this, I transferred a total of {$610.00} to Citizens which I thought covered my balances based on their online banking user interface. Then I asked to close the account, but I was told the funds hadn't arrived yet. I have since transferred another {$950.00}, trying to balance this account. 

A few weeks later, I get another call from citizens credit department ; again for me this is a surprise because I thought I cleared my balance. I told the citizens representative that when I log in, the balance says XXXX, but I was told that I have to download the statements, scroll to the back, and that's where I will see the balance. And to pay it off, I have to transfer money then call them! How difficult it is to just pay them! 

Ultimately, this month I went to get a credit report, and this brought my credit report from XXXX to below 600, requiring me to have XXXX insurance, costing thousands of dollars. 

In addition I was charged {$570.00} in fees! {$37.00} each time- when I absolutely did not want this account or was aware that this was happening. 

All along citizens doesn't have a branch in XXXX XXXX where I live and I just felt so helpless being passed around from call center person to call center person. One person even said she can't verify my identity and full stop offered no options short of purchasing a flight to XXXX XXXX and walking into a branch. 

This has been emotionally and financially draining, and most importantly severely impacted my otherwise very good credit score.
Consumer complaint received 2024-02-27
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. (IL)

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report XXXX XXXX XX/XX/XXXX and XX/XX/year>, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove These following inquires Immediately. 

I also request that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Be removed as this is not my account and was open fraudulently. 

XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (NJ)

Duvera Billing Service has reported a derogatory charge off to XXXX for the amout of {$3600.00}. I have never been notified that a debt has been owed to such creditor. I'm not aware of doing any business with such creditor. The creditor failed to contact me prior to placing such derogatory remarks on my credit file. The creditor failed to follow the Fair credit reporting act guidelines. As such, I request that the collection deleted.
Consumer complaint received 2022-06-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP (WA)

Had an IRA account at State Farm Bank containing XXXX CD 's. State Farm said they were getting out of the " banking business '' and thus transferred the account to US Bank without letting me choose which bank my account was transferred to. State Farm did not have fees for IRA accounts, but US Bank is now charging me an annual fee of XXXX dollars for my IRA account. I have called XXXX  times and was told it's their policy because my account is under XXXX dollars or I need to open a star checking with so much in it to wave the fee. They also stated that if I transferred the IRA account to another institution, they would charge me over XXXX dollars for transferring the accounts and early withdrawal. First, I believe that this fee is wrongfully applied because I did not choose US bank for my IRA and did not pay a fee at State Farm before they transferred, nor can I afford to open an additional checking account. And second, there is no option for me to met their criteria for waving the fee because I can not add to my IRA ( XXXX and not working ) and it will be a financial hardship to transfer the account. Lastly, this policy from XXXX band puts me under duress to pay the fee and adds considerable stress.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (PA)

Experian XX/XX/XXXX has on my credit report after opt out on XX/XX/XXXX for no reason and all these promotions in XXXX after opt out. Experian also keeps selling or having companies sending me offers after opt out and does not stop. I have also filed on Experian with the US Attorney office about this situation on my credit file.
Consumer complaint received 2022-10-21
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. (SC)

I recently reviewed an online updated consumer credit profile from Experian and as I was examining my consumer credit profile I notice that Experian are still reporting XXXX XXXX  corpora which is an improper name and they're six different accounts reporting all having different accounts and balances but there was only one so called loan given, that's reporting false and misleading information which is a violation of 12 CFR 1006.18 and also 15 USC 1692e ( 2 ) ( A ) all these accounts are more than 7 years old so they shouldn't even be reporting on my consumer credit profile at all and to stop reporting my personal private information without prior written consent which is a violation of 15 USC 6801, 15 USC 6802, and also 15 USC 6803
Consumer complaint received 2021-10-21
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: ECMC GROUP, INC. (NY)

PLEASE REMOVE 1. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

2. Identity Theft U S DEPT OF ED/XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-06-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — Store credit 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 (NV)

On XX/XX/2022 I purchased kitchen cabinets, counter tops, and labor and signed a Lowe 's store contract for such items. It is now XX/XX/2022 and no cabinets, no counter tops and I have been making payments towards this very expensive purchase. Now after several unreturned phone calls to the store ( Lowe 's store # XXXX in XXXX, NV ) The store 's employee wanted to recharge me the amount due to a system error. I told the employee no and he transferred me to the Manager which the call got disconnected. I called My Synchrony customer service for Lowe 's store credit card and the customer service representative told me up to 90 days to research and they do not control the store or their items. I asked for a full refund since nothing has been done and I am paying for kitchen cabinets that were never installed nor counter tops. The customer service representative would not give me a claim or dispute number. She told me it has been noted and I will receive a letter. 

I have been making {$500.00} a month payments since XX/XX/2022. This is not right and I feel I am being taken advantage of by Lowe 's and My Synchrony.
Consumer complaint received 2022-06-14
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, ars company, account # XXXX paramt rec company has violated my rights. 

5 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 2020-01-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX produced a fraudulent ex parte probate order with a fraudulent signature from a criminal court judge to the bank in order to steal XXXX left to my brother and i in a pay on death account. XXXX works for XXXX, XXXX, XXXX XXXX XXXX in XXXX, ca In 2005 XXXX was suspended by the california bar assosiation for the same pattern of theft
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2018 AARP CHASE VISA I have made a payment in full in the amount of {$1000.00} today XX/XX/2018 I attempted to make a payment to XXXX XXXX in the amount of {$59.00} and the Card did not go through. When I called AARP CHASE Visa the issuer of the card they said they put a hold of 7 days on my card. I paid off the full amount and they should not had put a hold on my card. I told the Rep I also have XXXX  XXXX and by next day the card is cleared to XXXX balance. I have no idea why AARP CHASE Visa does that to my card but I don't think it's right. They know I made and make those charges each month. 


XXXX XXXX XXXX
Consumer complaint received 2022-08-25
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. (TX)

I have disputed fraudulent information. It has not been removed and the consumer reporting agency is in direct violation of FCRA 605 CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent. 
The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agency immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless
Consumer complaint received 2023-04-10
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. (CA)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation