davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (FL)

I financed a vehicle through XXXX XXXX with Westlake Financial Services. Months after the purchase, I had to make major repairs ( replace the engine ) and that has continued now for 2 years! Anyway, the truck was in an accident which took months to resolve. During which time, we had no choice but to repair our only vehicle. I contacted XXXX to ask how to sign over the insurance check to them to pay the loan balance in full. They went back and forth first telling me it is n't an issue, then calling and telling me I could n't use the check for that then calling back and saying I could, etc. Eventually I had a supervisor confirm that I could pay off the loan that way. Anyway, I received the check, endorsed my portion and mailed it to XXXX on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. At the end of XXXX XXXX called saying they never received that check. At THEIR behest, I contacted XXXX XXXX and requested a stop payment be placed on the check mailed around XXXX/XXXX/XXXX and a new check was issued on XXXX/XXXX/XXXX. I received that check, endorsed my portion again and mailed it via USPS priority mail. I have confirmation that the check was delivered to their lockbox in XXXX XXXX, CA on XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX stating that the account " has been paid in full ''. Today I received a voicemail that I returned to be told that the payment was not processed due to a " stop payment '' and that they are attempting to collect the balance owed. The stop payment was issued on a check that they INSISTED that they did n't receive!!! Now they 're adding fees to the balance that DOES NOT EXIST meaning that I owe even MORE money to them! Please help me! I am a " single '' ( currently engaged ) mom of a XXXX XXXX XXXX year old child as well as a " XXXX '' XXXX year old and this is my only transportation to WORK, the XXXX, XXXX, XXXX, XXXX, etc. I paid my loan in full AFTER confirming that I was allowed to do so in that manner! Please help me keep the vehicle that I RIGHTFULLY own! This is unethical at best! I live in XXXX and have also filed a complaint here but since the business is based out of California, I am filing here too. I just want the title to the piece of XXXX truck that I paid for even during the entire YEAR that it was broke down and I could n't drive it!! Also, I have a picture of the check before I mailed it, proof it was received, proof on my online account that the balance was paid in full as well as a letter dated XXXX/XXXX/XXXX with a mailing stamp of XXXX/XXXX/XXXX stating the balance was paid in full. I am currently waiting for proof from the insurance company that the check dated XXXX/XXXX/XXXX was cashed successfully! It should n't be THIS hard to pay your bill!!!!!!
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

I'm a victim of identity theft. On XX/XX/2021 I filed a FTC report and dispute this account the bureaus and credit card company. Nothing was done. They said these account were mines. I requested the information and the proof that this opened by me or what information that they have that proves these are mines. No response.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX received the final payment on my account on XX/XX/XXXX ( this was a bank draft sent directly from my Credit Union on XX/XX/XXXX ). That billing cycle completed on XX/XX/XXXX. On XX/XX/XXXX, I received a check from XXXX XXXX in the amount of {$12.00} as over-payment on my account. They still have not updated my credit report to show that the account is paid in full as of today, XX/XX/XXXX. I called the local branch in Maryland ( XXXX ) where the account originated, I spoke with XXXX, and was told there was nothing they could do to help me. XXXX also said she did not know the phone number to call at their headquarters and I would just have to wait for them to update my account. The number is on the XXXX XXXX homepage ; it's not rocket science. I called the main headquarters ( XXXX ) and had to leave a message, but did not receive a call back. I have disputed this information with all three credit bureaus and none have updated my account information. All three say the lender has verified I still have a balance of {$2600.00} and that the last payment made was in XX/XX/XXXX. This is completely inaccurate and frustrating considering I never made a late payment on that account. If I was behind on even one payment the phone calls and letters from the lender would have been relentless, but now it's okay for the lender to take their time to update my records and tell me I can't even expect a specific date of resolution. I am in the process of applying for a home equity loan and need this information updated immediately. Unfortunately, XXXX XXXX only wants money from their customers and will do nothing to help when the loan is repaid and the credit report should be updated.
Consumer complaint received 2019-01-17
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. (FL)

Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it XXXX   XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX,
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

Via fax number XXXX Attention U.S. Bank XX/XX/2019 Vehicle lease number XXXX To the attention of the repossession department, In a follow-up to my letter of XX/XX/2019 in which I advised the bank of the improper information that was submitted to all the credit agencies in which my truck that is being financed through U.S. Bank has been repossessed which it has preventing me from securing private loan. 
At all times XXXX, the representative from U.S. Bank in extension XXXX had refused to provide a corresponding clearing up that the vehicle was not repossessed and that I have the vehicle in my possession. I also requested a letter that I can take to the bank in order to get my loan that Im current with my payments and she had refused. 
I have contacted over 15 different lending institution and every one of them advised us that the repossession by U.S. Bank that is being reported determined that I will not qualify for the loan due to that negative report. 
I was advised by my lawyer to terminate early the lease as I can not make any payments due to the negative incorrect reporting to the credit bureaus, and have this matter determined by the court of law. 
The vehicle is available for U.S. Bank to be picked up at any time, bank should make arrangements and coordinate a proper time and the place for the transaction to take place. Upon picking up the vehicle I am requesting a document that would verify that the vehicle was turned into the possession of the bank. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-11
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. (PA)

In accordance with the fair credit reporting act XXXX  account numbers has violated my rights XXXX- XXXX XXXX  XXXX XXXX XXXX- XXXX 15 usc 1681 section 602 ( a ) states I have the right to privacy 15 usc 1681 section 604 h section 2 It also states a consumer reporting agencies can not furnish my account without my written instructions.
Consumer complaint received 2021-05-17
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. (IL)

On XX/XX/2021 I sent XXXX, XXXX, and Experian a letter asking for them to verify the method of verification they used for my bankruptcy. They responded with a copy of my credit report and XXXX  never responded to the the method of verification letter that I sent to them at all. I also sent letters to the companies to the third party agencies that held my bankruptcy info to find out what method they used to verify and also received little to no responses from them. Two of them just sent back verified and I should contact XXXX, but still not providing the method used to verify the information. XXXX  never responded so I called them XX/XX/2021 and they stated they can not send out a method of verification by mail. They get the bankruptcy info from the courts and from the consumers. I told them consumers don't send in bankruptcy information and neither does the courthouse and they proceeded to tell me I should contact the courthouse, which I had already done so and they sent me back information stating they do not verify any information with the credit bureaus. 

The credit bureau sent back my credit report instead of methods of verification information that I originally had requested. If they could not reveal to me how they verified this item then it needs to be deleted according to FCRA. They once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (IL)

I 've contacted Citimortgage for many months to request help on reducing my monthly payments with a reduced interest rate and longer time to pay off the mortgage. I XXXX in XXXX this drastically reduced my income, I provided proof of my very limited resources but they are not really abiding by the rules of FHA where help is giving on the income to mortgage payments ratio. Instead I received a letter saying that I am authorized for a short sale! This is insulting and not acting in good faith, they want me and my wife to live on the streets now? After I have paid on time for almost 2 decades, they are holding this against me instead of helping. This short sale approval will affect my credit? Is it reported in any way to credit bureaus? This is NOT acceptable, I did n't ask for short sale, it is insulting they offered me this. I want a mortgage payment that is aligned to my income. Instead the guy that told me they ca n't help me implied/suggested I should default to be considered for help! What kind of institution does this? Please look into this matter and help me get a more affordable payment, the interest rate is actually high
Consumer complaint received 2021-05-17
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. (IL)

On XX/XX/2021 I sent XXXX, Equifax, and XXXX  a letter asking for them to verify the method of verification they used for my bankruptcy. They responded with a copy of my credit report and Equifax never responded to the the method of verification letter that I sent to them at all. I also sent letters to the companies to the third party agencies that held my bankruptcy info to find out what method they used to verify and also received little to no responses from them. Two of them just sent back verified and I should contact XXXX, but still not providing the method used to verify the information. Equifax never responded so I called them XX/XX/2021 and they stated they can not send out a method of verification by mail. They get the bankruptcy info from the courts and from the consumers. I told them consumers don't send in bankruptcy information and neither does the courthouse and they proceeded to tell me I should contact the courthouse, which I had already done so and they sent me back information stating they do not verify any information with the credit bureaus. 

The credit bureau sent back my credit report instead of methods of verification information that I originally had requested. If they could not reveal to me how they verified this item then it needs to be deleted according to FCRA. They once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We have tried applying for loan modifications. The lender is not communicating and just giving us the run around. We submitted a lot of documents as supporting documents but they will not give us explanation to why its not going through. My husband has XXXX XXXX since 2012.He is still working and under medical supervision and we continue to work in our business. It is best for us to to keep our house and willing to work with the lender. My XXXX year old mom who has XXXX and XXXX brother. Selling will put us in worst situation. Please help us we just want to try to keep our house.
Consumer complaint received 2019-01-17
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  XXXX   Experian Re : Chapter XXXX  Bankruptcy To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my crediti file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Again I never paid or walked into court for such a matter and by law it does not exists
Consumer complaint received 2019-01-17
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX  Re : Chapter XXXX  Bankruptcy To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my crediti file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Again I never paid or walked into court for such a matter and by law it does not exists
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have 5 different unauthorized credit pulls. 
1- Capital One Auto Finance XXXX I can't get anyone in the right department. 
that handles the inquires. I tried several time 2- XXXX XXXX XXXX XXXX I called and they don't know anything about The credit pulls 3XXXX Amps/Route XXXX XXXX XXXX Every time I called I was placed on hold and. 
Nobody picks the phone up. 
XXXX XXXX XXXX XXXX No answer from a personal they keep asking For an account number that I don't have. 
XXXX XXXX mortgage XXXX. XXXX Third party company and there not sure who. 
pulled the report. 

I have also contacted all three credit agency 's and was told to file a complaint here. They wouldn't help me.
Consumer complaint received 2022-01-27
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. (CA)

Last year I discovered a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2017-08-24
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. (NJ)

From XXXX 2011 to present, all 3 major credit bureaus reported an extended late payment history on my account ( XXXX ) by the creditor/student loan provider, XXXX XXXX or XXXX  XXXX XXXX XXXX XXXX Assistance XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.