davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (AR)

On XXXX XXXX, 2020, I went to XXXX XXXX in XXXX, AR to purchase tires. XXXX XXXX offered financing through Westcreek Financial. The tires I needed for my truck are expensive so that seemed to be the best option. No information was given to me about the lease while in the store, nor was I given a physical lease agreement or asked to sign anything other than the form verifying my personal information. XXXX XXXX performed the service on my truck and sent me on my way. A few hours later I received an email saying I needed to sign the lease agreement. I never signed it. Westcreek took money out of my account every week for some time. When I had paid around {$700.00} of the loan I called to see how much remained, as plaza said my credit line was around {$800.00}. Westcreek then informed me that {$800.00} was the original payoff, since I hadnt paid it off in a specific amount of time the final price was now around {$2000.00}. I told them I wasnt given any information at XXXX, nor did I sign the lease agreement or even receive one until after I had left the dealership. Nonetheless I offered to pay the rest of the original amount and Westcreek denied. Given legal advice from a close relative, I was assured that I should leave it alone. I offered payment and it was refused. Westcreek also says they have a copy of where I signed the lease agreement, but that is absolutely impossible. On top of everything else, I asked them to stop calling me. Every day I receive around 3-5 calls from Westcreek. I was also legally advise that it was harassment. I have nowhere else to turn, other than hiring an attorney. If it comes to that point, Ill be ready. But Im trying everything else before. Thank you so much for your time.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

Please be advised over the past 4 months I have filed 4 complaints and  this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes on my credit report with transunion. checking my file ive noticed alot of invalid data that needs to be removed asap to help clear my file.
Consumer complaint received 2022-07-26
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 XXXX XXXX XXXX Account # XXXX and Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 2022-07-26
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 2023-03-26
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. (TX)

My name is 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 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XXXX sent off a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of being ignored of my disputes. Section 611 ( a ), it is a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me.

The Credit Bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) The Credit Bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 )
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Dear CFPB, thank you for addressing my concerns. I have tried my best to correct errors on my credit report, through certified mails, they say they have done one thing, yet they are doing the opposite. Everything they are doing is not in conjunction with one another reports when they say they verified. For example equifax stated they verified accounts of my student loans the same time that XXXX verified. XXXX deleted all of those accounts, at least they sent me proof, I checked today and they are still present on my report ( proof will be attached that they said they deleted ). Equifax stated they verified the accounts are correct, I sent them proof of XXXX results, they still have not deleted and therefore by one verifying and deleting, that makes the other dishonest. Also, I provided a Hippa Violation of a Collection agency that sent me information on my treatment without a HIPPA release attached, direct HIPPA violation, I sent to both, nether have remove. Please can you seek corrections of these credit reporting agencies, they are destroying my life. My credit report was a XXXX, XXXX and with the same items, every payment of mines paid on time, nothing late, and now I was just dropped XXXX points today, but before then even more cause my score is now a XXXX, a total destruction of me accomplishing anything. It time to pursue other actions against these reporting Bureaus so for starters again, I am coming to your organization for help. Some of the documented proof is attached, so very much, wanted to send something to have as a reference.These credit reporting agencies sadly to say is targeting certain cultures to ensure they accomplish nothing. I have perfect paying records and according to what they are reporting with the scores they say the computers are giving is as if I pay nothing on time, all my Credit cards are on time, my car payments, my student loans has never been late and is current. Thank you for your time.
Consumer complaint received 2022-07-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights.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 2018-11-22
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: NAVY FEDERAL CREDIT UNION (AL)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX  which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MD)

I opened a new Citi Checking account at the XXXX branch located at XXXX XXXX XXXX XXXX, NYXXXX last XXXX. 

I was assisted by XXXX XXXX, who no longer seems to be working there, and XXXX XXXX XXXX. Her contact number is XXXX. All attempts to contact her by phone failed, and emails where unanswered. 

According to the checking promotion I used when opening the account, after making a {$15000.00} deposit and maintaining that balance for 2 months, I should have been credited a {$400.00} bonus within 3 months of meeting the requirements. I met those requirements in late XXXX and the bonus was never credited. I can provide an email I received from Citi shortly after opening the account, reminding me of the bonus requirements. 

I contacted customer service on several occasions. The first few times they assured me that all requirements had been met and that the bonus would be credited 90 days after that. Coincidentally, after the 90 days elapsed, they started insisting that according to the terms and conditions, a savings account was also required and they initiated two requests that did not fructify ; I also contacted more than five chat representatives through my online account. The case number I was provided with is XXXX. 

According to both the promotion I brought to the branch and the Citi email that I received shortly after opening the account, this is not the case. Not only that, the promotion is explicitly referred to as " Checking Bonus ''. Furthermore, when the banker asked me if I was interested in opening a savings account, I double checked with him to make sure that was not a requirement, and after inspecting the promotion he said that it was not. The savings account requirement was only buried in the terms and conditions. 

I have never experienced this degree of dishonesty before.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (LA)

I've been disputing my Mariner Fianance account with XXXX XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to Mariner Finance myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by XXXX XXXX XXXX, and Mariner Finance.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (ID)

An end of the year escrow analysis was done on my mortgage by Guaranteed Rate. It was determined that they owed me an escrow refund of {$580.00} which was supposed to be sent on XX/XX/2021. 
I have yet to receive the check and have called the company 10+ times and have easily talked to 20 different customer service agents including supervisors and supervisors of supervisors. They have claimed to reissue the check several times but then will later backtrack that sentiment. 
It has now been 90 days, I have wasted a ton of time, and exhausted all my options.
Consumer complaint received 2019-01-12
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. (KS)

Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2023-07-25
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. (TN)

I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Besides the fact that now this company charges {$5.00} each month I make my payment on line, once again when I send an escrow check to cover the shortage, my monthly amount increases and I do not know where my check goes. In XX/XX/2019 I had received a letter regarding my escrow shortage. I sent the check on XX/XX/2019 of {$300.00} to cover the shortage. On my statement dated XX/XX/2019 shows they received the check & applied to " special deposit '' instead of escrow. My XX/XX/2019 monthly payment increased regardless. Same thing happened last year and when I called the response seemed confusing. I let it go because I was going through a difficult emotional time and could not handle another stress. This time it happened again and I am not letting it go. I need to understand where the checks have been applied each year since it is not going into my escrow as it should be.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2024 approximately around XXXX, I received a call with a call ID stating Navy Federal Credit Union XXXX The representative stated that appears that fraudulent activity was on my account. The representative stated that someone attempted to use my credit information for XXXX XXXX and attempted to log into my accounts with Navy Federal Credit Union. I did not give them any information. However, the representative stated all my account information that were in the account. The representative stated that the account will be inactive and that I should receive a new card in one to two days. A few hours later, I was unable to log in to my account. I immediately contacted Navy Federal Credit Union as stated when trying to log in. I spoke with a representative there and she stated that it seems to be fraudulent activity and that the person who called me impersonated as a Navy Federal Credit Union Representative. Navy Federal Credit Union also stated that the impersonator was opening up a loan and transferring funds while the impersonator called me. At this time, Navy Federal has closed the old accounts and I had to start over with new accounts, cards, and checks. The fraudulent loan that I have never seen a signed contract for has been placed on all three creditors. No funds were dropped into my account from a loan but taken from my XXXX XXXX Account. I placed a fraud alert will all creditors including a freeze. I have file an Identity Theft Report. I have filed a Consumer Report to the FTC. I have also, filed a Declaration of Forgery/ Fraud with Navy Federal Union . I have filed a police report with XXXX XXXX XXXX XXXX Report # XXXX. As of today. I feel that my account is a target and its being monitored when I go online to send a text or when I call. I also, feel that my money is not secured there. I have been sending a text thru the Navy Federal Portal to get the status of my funds and the status of the Fraudulent loan. As of today, I received a text in the Navy Federal Credit Union portal stating that my claim has been denied by the investigator and that I can call them regarding the claim. I dont think that the communication thru the portal is Navy Federal . I dont know who to trust with my information. I received a call on a Sunday XX/XX/2024 and someone from Navy Federal Credit Union left a message. My phone accidentally hit the number at XXXX. However, as soon as I was hanging up the phone another number was calling me at the same time calling from XXXX but would not answer. It is like they are monitoring the calls when calling Navy Federal Credit Union main number which is XXXX. Please assist. Please assist. XXXX
Consumer complaint received 2018-11-22
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: Experian Information Solutions Inc. (AL)

I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.