davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (TX)

On XX/XX/XXXX, I traded my old vehicle in to the XXXX XXXX XXXX dealership for a new car. The old car was a XXXX XXXX XXXX. XXXX XXXX took the old vehicle and paid it off to XXXX XXXX XXXX ( car payment company for the old vehicle ). 
A few months later, I receive a bill from Westlake Financial stating that I owe payments for the remainder of my auto installment loan for the XXXX. I called XXXX XXXX XXXX and told them that I traded this car in and that I do not own this debt. 
XXXX XXXX XXXX told me that they were aware of the situation. Westlake Financial was now affiliated with XXXX XXXX. I asked the representative why I didn't receive any information about the new affiliation. XXXX XXXX XXXX stated that the payment from the dealership was sent to them when it should have been sent to Westlake. 
The representative also stated that they were working on solving the issue and that Westlake Financial should have received the payment from the original dealership. 
I called back about 3 weeks later and nothing has been solved. The debt still shows that I owe Westlake Financial for the auto installment loan. I call Westlake Financial several times to speak with a supervisor and each time they tell me that the supervisor is either unavailable or gone for the day. 
I was also told that XXXX XXXX and Westlake Financial have been in contact with each other about solving the issue with the debt. 
After all this, I end up with a debt showing on my credit report for an installment loan that I do not own. The car was traded in and paid off from the dealership and sent to the car payment company. Due to the lack of communication and predatory collections tactics, I am a victim of false predatory credit reporting from Westlake Financial. 
On XX/XX/XXXX, I receive a Release of Interest Letter from Westlake Portfolio Management with my Installment Sales Contract stamped PAID. 
Now, I am left with a false credit report on my credit from Westlake Financial with proof that they receive payment from XXXX XXXX XXXX. I am currently working on building my credit back up. It has dropped XXXX points since the false report from Westlake.

Westlake Financial had the payment the whole time but ignored my concerns and waited long enough so they could report a " past due balance '' to my credit. I believe I have been a victim to false credit reporting by predatory credit agencies.
Consumer complaint received 2022-05-03
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: Army and Air Force Exchange Service (CA)

I could not pay because I did not know how. I called but it was impossible to pay online. Also my ship leaves so much like every week or other week I am underway. The XXXX late payments have too my credit score down dramatically and by the way this card is completely paid for now.
Consumer complaint received 2022-05-03
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. (NC)

Account Name : XXXX Account Number : XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

I called Marcus by Goldman Sachs XXXX XX/XX/XXXX to close my online savings account. I went through the security checks and the customer service rep informed me that she would be initiating the wire and closing the account. On Friday XX/XX/XXXX we could see that money was still sitting in our XXXX account so called to find out when we'd receive the transfer. We were told our account had been 'forced closed ' due to a break in the terms and conditions of the account, and the money in our account would be sent back to the originating bank. I asked for more details : what does forced closed mean? What terms or conditions did we break? The agent said they couldn't provide any more info. I called on XX/XX/XXXX to see what was going on and again received the same response : forced close, no further details given. I called XX/XX/XXXX to double-check I'd understood correctly and asked for the case to be escalated to a verification expert, which I had learned from a previous call may have been the issue with the account, but I was told there was no one who could take my call. I demanded that my case be escalated and the agent told me someone from the verification team would call me back. Having heard nothing, I called again on XX/XX/XXXX to be told there was no more information they could provide, but that my account was forced close and it could take between XXXX and XXXX weeks for the money to be returned. 

I am in a state of disbelief. A bank took our money and won't give it back. Having done some research online I can see that this is happening regularly. XXXX opens accounts, takes the deposit, and then won't allow the consumers to transfer their money out. I am concerned that XXXX is experiencing cash flow issues or other financial issues and wanted to flag it with the FDIC and the CFPB. 

I would desperately love to discuss this with someone. Please contact me by XXXX  or XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/2022, a company posed as fashion brand, XXXX XXXXXXXX XXXX, reached out to hire me as a XXXX  for an upcoming XXXX. I was sent a fake check for {$1900.00} and was instructed to send {$1500.00} the stylist for clothing and hair. I was told to keep remaining {$350.00} from the check as part of my compensation. I would then be paid the remaining compensation the day of the shoot. 

I deposited the check sent to me, and the funds were available by my bank ( BoA ) the next day. I sent the XXXX for {$1500.00} to stylist as instructed, but later realized the bank retracted the funds from the check and was told it was a fake check. I immediately notified Bank Of America fraud department ( 1 day after sending XXXX XXXX and explained the job scam that I was a victim of. I attempted to get the money back from the fake company, but was unsuccessful. 

Bank of America has denied my claim for reimbursement. Despite having knowledge of this well known job scam. I was fraudulently induced into sending money, under false pretenses that the company and job were real.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: KEYCORP (IN)

I make a couple of online purchases with my key2benefits card and then tried to go to the store and it would not work. After this i tried to call to obtain information on why i couldnt access my money anymore the automated system said my card was in an invalid status not directly telling me why it went into an invalid status. I tried to get in contact with a representative multiple times Ive stayed on hold for hours until the music would just die out and no agent would ever pick up the phone. So i have {$1300.00} stuck on my key2benefits prepaid card and no way to contact anyone about getting it off. I called the unemployment customer care number and they tried to help and also give them a call but they Said they received no answer as well and that they had no way of getting it resolved. They also wont let me update my information on there i had a number change and they might have reached out to that but i wouldnt know
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SC)

We purchased a new home in XX/XX/XXXX moving to a new state ( SC ). Property taxes were determined at a high non-resident rate ( 6 % ) or ~ {$4200.00}. Application submitted and approved XXXX XXXX shortly after for resident status and a much lower resident tax rate ( 4 % ) or ~ {$1800.00}. Request submitted to XXXX for a change in property taxes being escrowed in XX/XX/XXXX. They are escrowing ~ {$350.00} per month in taxes when it should be ~ {$150.00} and we are owed a refund for all the months since XX/XX/XXXX that we have overpaid. It is now XX/XX/XXXX and no resolution has been made. I have called XXXX a dozen times with all sorts of assurances this would be completed. Each time I called they said it is going to be another XXXX days for a response. They keep opening and closing work orders for this request with no update to provide when I call on. It is now XXXX  months later after a XXXX phone calls, emails, chats on their website, and patiently waiting. The latest work order was supposed to be completed on XXXX, now another work order is open for a XXXX completion date. XXXX has dropped the ball repeatedly over these XXXX months. A resolution is needed ASAP. Can we change loan servicers?
Consumer complaint received 2017-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TENET HEALTHCARE CORPORATION (WA)

Doctor visit was  XXXX   XXXX ,  2016 . Chapter  XXXX  bankruptcy filed  XXXX   XXXX ,  2016  and discharged  XXXX   XXXX ,  2016 . This debt continues to be listed on my credit report as delinquent. Additionally, my attorney attempted to send a dispute letter to the address the agency listed on my credit report, which was returned as undeliverable. My attorney believes that reporting inaccurate informatio n ( in the case the contact address ) to a credit reporting agency is an additional violation of the FCRA.
Consumer complaint received 2022-08-18
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I have a paid off Car loan, XXXX XXXX. It showed up on all of my reports and now it completely disappeared from my credit report. The account was paid in full and I got no credit for it. It disappeared from XXXX and XXXX credit reports. It also never showed up on equifax.
Consumer complaint received 2022-05-03
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. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-05-03
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. (GA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX ( amount {$2800.00} ) XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-03
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: CITIBANK, N.A. (PA)

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

15 USC 1681 Section 602 States : I have a right to privacy. 


15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions. 


15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (NC)

I was seen and XXXX XXXX XXXX XXXX due to a car accident and having an accident lawsuit the attorney stated they were never informed the bill went to collections and XXXX to XXXX XXXX and I found it on my credit report and disputed it directly with the collection agency they failed to protect me per my lawsuit and failed to protect me and fraudulently charge my credit the bill was filed under the wrong spelling of my last name and was never recent as well to my insurance and has hit my credit since XXXX XXXX  and has held my ability to buy things due to the delinquency and them hitting my credit and calling me from several documented numbers even after I told them I had an attorney.. attached is the protection letter. Even after being told and my attorney never being informed of this incident of deciet. 

RB CORP VA/CREDIT CONTROL CORPXXXX and an increase every month since date of it hitting my report.
Consumer complaint received 2021-09-07
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-18
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. (KY)

Sometime in XXXX or XX/XX/2022 a fraudulent change of address was submitted to the post office in my name, XXXX XXXX. We realized this when we received a XXXX  verification in the mail. 

We had the XXXX stopped but not before several applications for credit were made in my name. At least one account was opened for a XXXX XXXX Bank. We have been working with the bank to get this account closed- talked to them on phone and have submitted an affidavit regarding fraud. 

However, at this time the fraudulent card is still active and on my credit report. Experian refuses to remove this account from my credit history.
Consumer complaint received 2022-05-03
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.