davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-22
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. (NY)

XX/XX/XXXX Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement datedXX/XX/XXXX. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.
Consumer complaint received 2019-07-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (CA)

I purchased a 2000 XXXX XXXX which was financed by Westlake Financial Services, LLC in XX/XX/XXXX. During a difficult financial period before I passed the California XXXX XXXX, my car was repossessed for being 45 days late. After extensive conversations, I was provided with a viable option to obtain the car back, including the waiver of repossession fees. I did in fact get my car back and paid off the loan in XXXX, except for a small balance representing the repossession fees ( which still had not been removed ). 

After several heated conversations with representatives of the company, this charge remained on my account. They threatened to repossess the car, but did not take such action ( in fact, the balance was charged off by Westlake in XXXX ). 

In XX/XX/XXXX, I received a letter from Westlake/Redress Administrator along with a check for {$180.00}, in connection with the Consent Order that Westlake Financial Services, LLC entered into with the CFPB ( File # XXXX ). I was identified as Group B in the letter. 

I reached out to Westlake in XXXX of XXXX and spoke with Mr. XXXX who advised me " well I'm not just giving you your title ; you have to pay something '' and falsely claimed that I received a refund check for interest ( I have in fact read the Consent Order in its entirety ). Mr. XXXX tried to make me pay {$230.00} to obtain my car title and refused my request to speak with a supervisor. He advised me that my only recourse was to send a letter to the charge off department. I subsequently sent a letter and received no response. On XX/XX/XXXX I finally got a supervisor on the phone ( XXXX XXXX ) who advised me to email all documentation to him so he could personally address the matter. When I called today ( XX/XX/XXXX ) I was transferred to a representative named XXXX XXXX who refused to transfer me to Mr. XXXX and insisted that I should have taken the check I received to pay them and demanded that I pay them in full. He also stated that the Consent Order did not apply to me. 

Westlake Financial Services, LLC is holding my car title XXXX. While I purchased a new car last year ( directly through XXXX ), I am unable to do anything with the 2000 XXXX because of their egregious practices.
Consumer complaint received 2019-07-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

in regards to : Account # XXXX & Account # XXXX I am disputing the above account reference numbers and attempting to stop Progressive Management 's attempt to collect on this debt and removal of accounts reported to my credit bureau 's. These bills were for services rendered in 2012. California Law states that medical bills have a 4 year statue of limitation. This debt has reached its statue of limitations and can no longer be collected on. 


Thank you, XXXX XXXX
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been in constant communication with XXXX about the continuous defamation of character. There have been multiple disputes, a cease and desist and and notice to cure sent to this organization. The company has fictitiously reported an alleged debt in the amount of {$380.00} to the XXXX XXXX  and the credit reporting agencies on my behalf. As a consumer my privacy and rights were willfully violated. There was an admission of breaching my privacy by XXXX XXXX The first erroneous statement is that, he stated I had an alleged translation in the amount of XXXX. He claimed it caused my account to be overdrawn XXXX. Although the amount reported is less. This is confirmation this is an error and attempt to coerce me into making an unnecessary payment. This error has caused me to be denied my basic rights. This fictious charge off is coming up on every occasion. I have been denied a safe and sufficient place over my sons head. This nightmare is hunting me. It has caused my mental health to decline.
Consumer complaint received 2021-07-22
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. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$2700.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$920.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1700.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$980.00}
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

In XXXX I made a payment on my XXXX XXXX card, which is issued by Comenity Bank. It was a {$60.00} payment, the store never applied it to the balance and I began having late fees accrue. I told the company I had the receipt and tried on multiple occasions to prove that I had made the payment. I also made it clear that I would not give more money until the company showed that the money I had already paid was applied to the account and late fees removed. I have had conflicting information from different offices within the bank. One woman told me the account was closed and has a zero balance, another said she removed the late fees, and another said they arent able to remove late fees.
Consumer complaint received 2021-07-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

Due to covid 19 we did what we thought was the right thing to do, that was turn in vehicle a XXXX  we could not continue to pay on. After this XXXX XXXX XXXX hired Smith Debnam law firm to collect the amount they did not sell the vehicle for which they sold not at fair market value. I called the law frim to set up payments, they did not agree to payments. I sent a payment of {$500.00} dollars in an attemp to strat to pay some funds back. YET I did not here back from the law firm and the law firm took out a judgement against me. Now the same law frim as threatened to take out a Writ of Execution. IM a 100 percent XXXX veteran and now only have that income from the federal Veterans Administration. I have no big bank account funds, i have no real property. I told the law firm company that I XXXX XXXX DOB : XX/XX/1955 would pay XXXX as i could to pay off the debt that should have been settled by the sell of the new vehicle. I have no funds for to hire a law frim to counter act all this hard ball actions from Smith Debnam law firm, they have had several complaints against them in the past years, both in state and federal court.
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (TN)

On XX/XX/2019 I sent PlusFour Inc a certified letter via USPS disputing a collection that they have place on my XXXX credit profile. PlusFour has reported that I owe {$230.00} to XXXX XXXX XXXX and that they are collecting this supposed debt. This debt is NOT mine. 

I asked PlusFour to provide me with 3 specific documents in order to verify this debt. I have listed below the items to provide me with in order to verify this alleged debt. 

1. Agreement with your client that authorizes you to collect on this alleged debt. 

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

They did not provide me with any of those documents. 

I have attached their response which does NOT verify that this is my debt.
Consumer complaint received 2017-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I had been a customer of XXXX XXXX and on XXXX XXXX, 2017, I received a welcome letter from XXXX XXXX  as my loan was service transferred. I had been current on my payments with XXXX XXXX. When I found out about the service transfer, I called Regions bank to make a payment ; however, the representative stated that my loan had not boarded their system and that I would need to wait until I received a welcome letter. They also reassured me that I would not get charged any late fees. I would also informed not to make payments to my prior service ( XXXX ). Thus, I stopped my automatic monthly auto drafts to XXXX as I was going to setup automatic auto draft payments to Regions once the loan was boarded into their system. On XXXX XXXX, 2017, I received my first billing statement from Regions. The billing statement showed amounts owed for two payments ( XX/XX/XXXX and XX/XX/XXXX ). However, they also are charging me a NSF fee for {$30.00}, and there is no explanation for this fee. The {$30.00} fee makes no sense as my loan was transferred and I was not able to make payment arrangements to Regions. This is a poor way to welcome a new customer and is a deceiving practice and does not sound legally right. Please help in this matter. thanks XXXX XXXX
Consumer complaint received 2022-06-06
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. (NJ)

I sent a letter off on XX/XX/22. To remove personal information that I do not want on my credit report. According to the fir credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial (WA)

I sighed up for a XXXX pay off option with Koalafi on XX/XX/2022 I made the initial payment then was told that I would have under the agreement XXXX days to pay it off on XX/XX/2022 I called into their customer service department as the online option for payment was showing more than XXXX then what was originally supposed to be charged. The customer service agent that I spoke with refused to update the payment due, refused to transfer me to a supervisor and refused to give me his name or ID number. I called back to attempt to get to a supervisor XXXX and he stated that they are refusing to honor the XXXX payment price, their " system '' does not allow it. The XXXX days does not expire until XX/XX/2022. 

For your records, your lease will consist of the following terms : XXXX Payment Option : XXXX as long as you pay off within XXXX days Lease Amount : XXXX Initial Payment : XXXX Scheduled Time to Ownership : XXXX months Initial Payment Tax : XXXX Payment Frequency : XXXX a Month # Remaining Scheduled Payments to Acquire Ownership : XXXX Payments XXXX : XXXX} Last Payment : XXXX Scheduled Total Cost of Ownership : XXXX, if you don't pay off early
Consumer complaint received 2019-07-18
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: EQUIFAX, INC. (CA)

I AM A VICTIM OF AN IDENTITY THEFT AND I STRONGLY BELIEVE THAT EQUIFAX IS THE ONE WHO SOLD MY INFORMATION BECAUSE FOR MONTHS NOW I AM TRYING TO RESOLVE THIS WITH THEM AND THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT, ALONG WITH NOTARIZED AND ORIGINAL DOCUMENTS FROM THE CREDITOR DIRECTLY AND THEY STILL ARE NOT REMOVING THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

XXXX ACCOUNT # XXXX OPEN DATE XXXX IS NOT MY ACCOUNT.
Consumer complaint received 2019-07-18
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: EQUIFAX, INC. (FL)

I having problems with my someone using my identity and causing these negative accounts on my credit. this is very stressful and all I want is my like back please help me revolve this headache for me thank you
Consumer complaint received 2021-07-22
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (NY)

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format formateignoring to report. 

Dsnb Macys Account ID : XXXX The account is incomplete. The complete and itemized listing of the dates for these accounts was never provided. I am having trouble getting them from the original creditor. 
Inaccurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. 
Duty to Correct and Update Information. A furnisher that regularly furnishes information to CRAs is also required to notify a CRA if it has determined that previously furnished information is not complete or accurate and to correct that information. 
If a financial institution that extends credit and regularly furnishes information to a nationwide CRA furnishes negative information to the CRAs about a consumer credit extension, it must provide a clear and conspicuous written notice to the consumer indicating that it furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. 
If the furnisher determines that the information it provided was incomplete or inaccurate, it must notify all nationwide CRAs to which the information was furnished of its findings.26 Finally, if the furnisher determines that the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information. ( Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b ) ) Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates XXXX. 

It is very serious that you please investigate and resolve as this is injurious to my character and is obstructing my potential to obtain mortgage.
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (WI)

State Collection Service Inc is trying to collect a medical bill from XX/XX/18 of {$260.00} from me. This is not my bill and belongs to an ex spouse. I have never gone to, or been treated at XXXX XXXX   XXXX or any other hospital. 

I have disputed this claim, but XXXX has not removed it enough it is not my bill and no proof can be shown it is mine as it is not.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: A-L FINANCIAL CORP (CA)

Dear Al-Financial Collection Manager : This letter is in response to your credit report entry related to the debt referenced above. 

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 

I did a pay for delete for the full outstanding amount through XXXX XXXX third party however your debt as AL-Financial still appears on XXXX credit report. I would like to please kindly ask that you fully remove. 


Ive worked very hard to get that amount paid off and be responsible and did so with the intention that it would remove AL-Financial as well but it was not. I have changed my financial circumstances and would ask that you understand to proceed with a goodwill adjustment. At the time of purchasing this vehicle my father took the responsibility to pay for it but he battled XXXX and ending up passing. So as he was sick I was unable to be responsible enough to cover. Please take this as a coachable moment and learning lesson. I am preparing to look into purchasing property and would like to kindly ask this item be removed from my credit report as it was fully paid in a pay for delete arrangement, it was just unclear whether the pay for delete would be with AL-Financial. The collector is now permanently closed so AL-Financial is the only point of contact. Please remove this collection completely from my XXXX. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. 


Sincerely,
Consumer complaint received 2022-06-06
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. (NJ)

I sent a letter off on XX/XX/22. To remove personal information that I do not want on my credit report. According to the fir credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-07-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

In XXXX of 2021, I received notice that my escrow account was short $ XXXX. I was offered the option of paying it all at once or in payments. I paid it all at once and figured that was the end of it. The representative made no reference to an increase of funds being necessary. It turns out that my homeowners insurance policy has increased by {$63.00} a month. I was not aware of it and continued making my normal payment. 
Within the next 30 days or so, I received notice that somehow, I now was in arrears a full two payments, which was not correct. I contacted Freedom Mortgage and spoke with a representative who advised me that I was in arrears for the increase. They took a payment for the increased amount, and I figured we were square. Unfortunately, I was then contacted again and told I missed another increased payment. I had already made the automatic payment with my bank, but it apparently did not get increased. I then made a payment for two months increase without speaking to anyone further. I never argued with them and they never indicated that the payments were considered late. I PAID THEM IMMEDIATELY UPON RECEIVING NOTICE!! 
Without any notice or contact, Freedom Mortgage then reported to all 3 credit bureau 's of an alleged late payment. I never missed a payment and paid every increase I was made aware of. I was never out of contact with Freedom Mortgage and was never threatened with credit coercion, as they have now committed. 
Prior to this endeavor, my credit score has been XXXX, for years. I use my credit quite often, which is how I make a living. I have never missed a payment or been late for anything. I contacted Freedom Mortgage and they have advised me to " pound sand ''. I have spoken with representatives and supervisors, who all say because the impound increase did not get paid in a timely manner ( although they never advised me as such ), they would NOT remove the " late payment '' report - even though they were made aware that it took my credit from " excellent '' to " poor '' overnight. They have made it clear they are prepared to cause me financial hardship for the next 7 years. 
If I were indeed the type of person to miss payments and had a history of such, I could understand Freedom Mortgage 's insistence in trashing my credit. Instead they are exhibiting cold and callous behavior to one of their customers. At the very most, this was miscommunication between their representatives and myself. Absolutely no reason for them to crucify a customer.
Consumer complaint received 2021-03-09
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. (NY)

I recently filed a complaint stating that there were inaccurate data being reported by the bureaus. They claimed it was verified. I requested that proof be provided from the bureaus showing their method of verification as well as any evidence to support this claim. I never received anything. I have attached copies of recent credit reports showing different information being reported between two bureaus for the same account. This is a blatant violation and proof that the information was not verified. I have given more than the time allowed by FCRA laws and will sue if I am left with no other alternative. This must be updated per my request to remove the late payments and reflect paid as agreed immediately.