davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (NJ)

I am submitting this complaint without any influence from any third party or agency. Please refer to the attached documents as it contains Westlake 's letter, my correspondence, proof that it was delivered via Certified Mail, my letter requesting to speak to the Legal Department, fax cover sheet and fax confirmation. On XX/XX/XXXX, I received a letter from Westlake and on the same day I responded with a handwritten letter ( attached is a copy ). My letter stated that I conditionally agreed to pay upon the condition that they provide me with the 'contract ' that was mentioned in Westlake 's letter because I seek clarification of the 'contract ' and its 'terms ' since I do not have possession of the 'contract ' or any material disclosures pursuant to TILA. I also requested for the accounting records and a signed invoice. On XX/XX/XXXX my letter was received by an individual.at XXXX XXXX. Since then, I have not received the 'contract ', 'accounting records ' or a 'signed invoice '. On XX/XX/XXXX, I was violated, caused distress and damaged because my car was repossessed without notice. I believe that the repossession was unlawful and that this matter should have been brought to arbitration, not repossession. On XX/XX/XXXX, I spoke with XXXX XXXX, XXXX and she informed me that my letter was received but was not 'put into the system ' and the repossession was sent out on XX/XX/XXXX ( after receiving my letter ). XXXX told me to fax a letter requesting to speak with the Legal Department about this matter, which I did but have not received any response from Westlake since.
Consumer complaint received 2022-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (GA)

I contacted Chase Auto Finance to request a one-month payment deferment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I explained to the represented when I called that I needed to skip XXXX payment but was told that they could only extend the payment through the XXXX of XXXX which is normally due on the XXXX of XXXX. I borrowed the money from my sister and made the payment on XX/XX/2022. However, the company still placed a past due payment on my credit report even after providing the extension.
Consumer complaint received 2022-04-08
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. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-01-22
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: EQUIFAX, INC. (CA)

I'VE BEEN A VICTIM OF IDENTITY THEFT AND THE CREDIT BUREAUS HAVE REFUSED MY PAPERWORK THAT I SUBMITTED. I'VE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO ME REGARDING THIS ISSUE.
Consumer complaint received 2021-05-13
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: Experian Information Solutions Inc. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX XXXX Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2023-06-23
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: TRUIST FINANCIAL CORPORATION (WI)

I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2022-04-08
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. (DE)

in accordance with the Fair credit reporting act XXXXt account with XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX phone number XXXX XXXX has violated my rights..15 U.S.C . 1681 section 602A. states i have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions .Another issue no monthly payment should be listed on the account since it has been charged off, which is a violation please remove from my credit report.
Consumer complaint received 2024-03-07
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)

Under the FCRA I have the right to a fair and accurate credit report upon reviewing my latest credit reports I see that there have been multiple accounts and inquiries reported in my name that I didnt authorize nor were aware about I am XXXX havent had credit in XXXX years please remove the following credit cards and inquiries below ASAP Accounts Opened : XXXX XXXX XXXX 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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-28
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ), along with my signature ) served as a financial asset, promissory note and security ( registered, fixed income, marketable ) which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtedness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice, if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full forensic audit of the accounts. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Notes/Floating Rate Notes is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( c ) and you assume civil liability pursuant to 15 U.S Code 1691 ( k ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned laws, statutes and codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my accounts. You meaning TOYOTA FINANCIAL SERVICES, TOYOTA MOTOR CREDIT CORPORATION and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Consumer complaint received 2021-05-13
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: U.S. BANCORP (IA)

I serve as the XXXX for a 501 ( c ) 3 organization which holds a checking account and credit card with US Bank. I was attempting to activate the card and was informed that I am not listed on the account, despite transferring accounts into my name two years ago. 

All billing for the accounts is mailed to my personal residence. 
I can view all account information including bills, transfer and pay accounts, etc. through my online account access. 

US Bank refuses to inform me who their listed account holder is, or how I would obtain this information. But did tell me I could go to the branch if I wanted. I did inform him I appear on the XXXX  Report filed with the Corporation filings at the Iowa Secretary of State and could provide that documentation. I was told this was insufficient and that documents from a website can not be examined. He was unable to tell me if someone in another division would be available to review the documents. 

The supervisor XXXX ( Case reference XXXX XX/XX/21 XXXX informed me that he had no other option for me and contact with Office Of The President was my only option.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
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: World Acceptance Corporation (MI)

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of 1974 as a federally protected consumer, it is my right to privacy.

Per the Security Exchange Act of 1934, the certificate of indebtedness once deposit any credit balance on the account over {$1.00} should be credited to I the consumer. As the consumer in this credit transaction, I can not be late on a balance due to me the federally protected consumer. I have not received my check. 

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties. 

Per the SEC filings submitted by World Finance/ World Corporation they agreed to these duties. Under the Emergency Bank Act of 1933 there is no legal tender since there is no gold in circulation. 

The only legal/lawful tender are the US postal stamp per the XXXX XXXX. To demand a particular form of payment from is a violation of my federally protected rights since the XXXX pledged to be responsible for XXXX XXXX XXXX XXXX 

XXXX reported this account late multiple times 30 days late. This is a factual accounting as it is on their report furnished. As it is known one can not be 30 days late for multiple months in a row. This means XXXX knowingly furnished deceptive reports.
Consumer complaint received 2018-07-10
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. (FL)

Experian, I have been fighting this for a while, I was NOT late nor past 30 days on our time share with XXXX XXXX / XXXX XXXX XXXXXXXX ( See attached proof of our payments coming out of our account in XX/XX/XXXX ). This has to be corrected ASAP. False information is being reported against me.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I did a loan modification with With nation star mortgage they told me not to pay my mortgage for XXXX months this was in XXXX  ever since then it destroyed my credit Ive tried to work with credit repair companies but its still on there and I also get threatening letters from nation star mortgage with my name on them and return to sender please any help on this matter will be greatly appreciated yours truly XXXX XXXX
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

This agency never sent me paperwork informing me that I can opt out of having these items reporting to my credit report. that is very misleading on their behalf. this has caused me tremendous amount of XXXX and has made my XXXX XXXX get high. I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My online bank Capital One has reversed three credits w/o advance notice and I cant even find one of the charges when I go back looking for it. I think the charge may have been made while I was using a different online bank. Capital one said I was credited twice, once by the company XXXX which I remember and once by Capital One which I do not remember. Shouldnt I be able to access the time period in my account online so I can see for myself?? Thank you respectfully signed XXXX XXXX XXXX
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I recently received something in the mail saying that I owed XXXX for a capital one credit that I never knew existed. My concern is not only the fact that this debt does not belong to me and is clearly fraudulent but the simple fact that the first form of communication received concerning its existence was in the form of a court order. This is not the appropriate way to handle a collections case in the state of Virginia. To further argue the validity of this debt, I must call attention to the fact that this debt is made out to a name that I have legally not used since XX/XX/2016. I lived in a shared living space during the time that the creditor alleges I incurred this debt which further questions it's legitimacy. Below, you will find a picture of my identification that outlines my legal name as proof. I demand valid proof that I, XXXX XXXX XXXX XXXX, approved the opening of this line of credit or it is removed from my credit report and no further collection action is taken. I'd like to call attention to the fact that this credit is only showing up as closed on 2 of my credit reports and both show a different close date.
Consumer complaint received 2019-08-07
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. (NC)

XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$6400.00} on the XXXX partial account number XXXX. ( Please see pages 37 and 38 of the attached credit report. ) I physically have possession of the vehicle and I make the monthly payments on time and I have never missed a payment. Please keep in mind that it would be impossible to have a charge-off on an account where there is no past due balance and I physically have possession of the vehicle. I have attached a copy of my registration card and my current insurance card showing the policy terms on my vehicle from XX/XX/2019 to XX/XX/2019. This  incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX/ XXXX XXXX is continuing to report a 30 day late payment on my trans Union credit file after agreeing to delete negative pay history. The date of disputed payment is XXXX 2013 which was during transition to XXXX. I received a letter from XXXX XXXX agreeing to delete this.
Consumer complaint received 2022-12-16
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. (MI)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX