davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clark County Collection Service (NV)

My wages were garnished to satisfy a debt with XXXX XXXX XXXX a rental agency by Clark County Collection service. When I checked my credit report, they are stating I owe {$60.00} for fees incurred. This feels like a second victimization. I paid the fee. When I contacted the company they stated they were sending out notices for small fees they did not include in the garnishment. I explained that it had been several months since I paid off the garnishment and they were now attempting to collect more debt. This is on my credit report as having been open since XX/XX/2015. I don't understand how they can do this. If the debt was paid, why am I paying additional fees? They also have not billed me or sent any information stating this account has been settled.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America does not answer the phone and will not let someone cancel their account online. Therefore, they appear to deliberately make it nearly impossible to cancel, therefore forcing the customer to retain their card and continue paying fees. I called the customer service number twice and each time when prompted stated I have canceling my card and each time I was placed on hold for 30 minutes. Bank of America will NOT permit me to speak to any customer service representative other than this special cancellation line, and they apparently can not answer as they are arguing/misleading other customers in terms of keeping their accounts. I demand to close my account and Bank of America refuses to let me do this.
Consumer complaint received 2022-09-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (VA)

Hello, I am a natural person residing in XXXX XXXX, Virginia. A natural consumer as defined by the FDCPA ( 15 USC 1692a ( 3 ) ). A natural person obligated, or allegedly obligated, to pay a debt owed or due, or asserted to be owed or due a creditor other than westlake financial arises from a transaction in which the money, property, insurance, or services that are the subject of the transaction were incurred primarily for personal, family, or household purposes and I incurred the obligation, or alleged obligation, owed or due, or asserted to be owed or due a creditor other than westlake financial.

Westlake financial uses instrumentals of interstate commerce or mail in which the principal purpose is the collection of any debts, and or regular collection or attempts to collect, directly or indirectly, debts owed or due, or asserted to be owed or due another. 

In connection with the collection of an alleged debt, an Adverse Action was taken against me. Westlake Financial, via its agents and or employees, " XXXX XXXX XXXX '' on XX/XX/2022 before XXXX, unlawfully detained consumers good ( AUTOMOBILE ). 

Westlake financial falsely represented that I owed an alleged car loan debt. However, the alleged debt was actually for a line of credit and not a loan and as such, Westlake Financial falsely represented the character, amount, or legal statue of the consumer 's debt. ( 15 USC 1692e ( 2 ) ( a ). ) Westlake financial failed to provide proper disclosure and notices, ( Notice of the right to RESCIND and CLOSING DISCLOSURES ). Upon doing some extensive research, I discovered that when I entered the dealership, XXXX XXXX, to apply and obtain an extension of " CREDIT '' by and through a " CREDIT APPLICATION '' for the consumer goods purchase, the dealership subsequently submitted a " LOAN APPLICATION '' in my name ( Identity Theft ) resulting in XXXX XXXX receiving an " ADVANCE '' ( LOAN ) in my name establishing an asset account from XXXX XXXX in return for the assignment of the retail contract ( Credit Sale ) to Westlake Financial for deposit into a " LOAN POOL '' in return having me pay back pure profit and covering deception. 

Even though I know the debt is an alleged debt and not mine, I have tried to resolve it by XXXX XXXX, Tender of full payment in the amount of {$17000.00} through IRS form 1099 NEC. The payment was sent via post office Registered mail- XXXX on XX/XX/2022 and was delivered at the payment center on XX/XX/2022. Exhibits attached. Westlake financial has not updated the Account and instead sent me a letter after XX/XX/2022 after receiving my payment to cure, of going ahead to sell the consumer good ( AUTOMOBILE ). 

Westlake financial and XXXX XXXX criminal behavior and conduct, deceptive and misleading documentation and practices, changed the identity of my private consumer transaction into a public commercial transaction for XXXX XXXX and Westlake Financial profit and gain.
Consumer complaint received 2022-09-13
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. (NC)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, Dpt EdXXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help with this.
Consumer complaint received 2019-05-31
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. (GA)

Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, XXXX XXXX, GA XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help with this.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2015-04-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

Navient refuses to set me up with an affordable or XXXX system. They take half of my monthly income of around XXXX per month. I am getting a reduced interest rate but this hardly solves my financial hardship. XXXX should be eligible to all student borrowers no matter what the loan. I am suffocating in debt and Navient refuses to do anything about it.
Consumer complaint received 2019-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I filed a Police Report because my purse was stolen. The thieve ( s ) ran up my cards. I contacted Bank Of America asap to report my stolen Debit cards had been used illegally, to cancel the cards and to also give them the police report number. I did all of this within 2 hrs of my cards/purse being stolen. After Bank Of America did an investigation, they said it is my fault and took back a credit of {$900.00} dollars. On top of this decision, they actually took the money back from my son 's account who has a totally separate account from me and he is a minor. I am so confused. I did everything right.
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Southwestern Investors Group, LLC (MI)

First threatening phone call made on XX/XX/2018. A message stating a case number, a 24 hour deadline, impersonating a police XXXX, threatening legal action and arrest was left on my grandfathers answering machine. He called me afraid for me. XX/XX/2018 I called back XXXX XXXX XXXX. While on the phone with a XXXX XXXX, XXXX XXXX, trying to sort out why I was being called about a debt I had already paid the year before to a Foster and XXXX, I received a phone call from my grandfather who said they had called him a second time. Again aggressively threatening to put me in jail, court action, using foul language, and giving a 24 hour deadline. I was unable to sort it out with them. They demanded proof of the debt behind paid off. Bank records werent enough. They wanted a letter from the previous company. I called XXXX and XXXX who conveniently had no record of the debt or me paying it off. They directed me to a Southwestern Investor Group who they said hired them to collect the debt. I called Southwestern Investor Group who said they only had record of one payment. They put me on hold, when they returned they said they would mark it as paid, they would mail out a letter ( I  never gave an address ), they would email ( they did ask me for my email address ) me a copy to forward to XXXX XXXX XXXX, and they would contact Cornerstone who they sold the debt to, let them know it was marked paid, and who they assumed hired XXXX XXXX XXXX. I never received an email. I called back around XXXX, as their website says they are open until five Monday  through Thursday. I was sent to an answering machine that said their hours were until XXXX. And, their answering machine was so full I couldnt even leave a message.
Consumer complaint received 2019-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc. (PA)

I have an account by the name of Account Control Technology that has been on my report for months now. This is not my account and i need it taken off. the amount is {$1200.00}. I have disputed this but it has been kept on my account.
Consumer complaint received 2015-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have written to Bank of America at least XXXX times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing:1 ) that this mortgage was paid off for less than full amount2 ) I have been 120 past due for the last 2 yrsNone of the above is true especially when you note that they are reporting a closed loan with a 0 balance. This reporting can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help. This inaccurate reporting and failure to rectify this matter despite my many prior letters requesting is hurting my credit and negatively affecting my ability to get a new home loan.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the this name : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$68000.00}
Consumer complaint received 2022-09-13
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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
Consumer complaint received 2020-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (CA)

I was approved for a loan from a finance company -- Sunlight Financial -- through a XXXX XXXX that installed the products on a duplex type property I own. I began paying after about 18 months and to date have made about 9-10 payments ... but NEVER, NOT ONCE, DID I RECEIVE ANY BILLING STATEMENTS!!! Now as I am doing through a Refinance of the loan on the property, I discover just now that I own about {$46000.00} when the beginning balance was {$46000.00}! I also discover that they have applied pratically ALL the payments I have made to INTEREST!!!!!! It seems ALL the billing statements they sent out went to an incorrect address and were RETURNED!!!! I requested a printout of ALL the statements be emailed to me. THey say they sent me several emails but I NEVER SAW ANY OF THESE EMAILS or else of course I would have responded. I'll bet if they had not received the payments theywould have CALLED and LEFT A MESSAGE!!!! They said they thought I understood they were applying most of payments to interest ... no matter I HAVE RIGHT TO RECEIVED MONTHLY BILLINGS ... that they could have may send by EMAIL!!!
Consumer complaint received 2022-09-13
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)

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-02
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN A FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-09-13
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. (LA)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with the Credit Bureaus, or provide me with the exact source where did the Credit Bureaus received such information, so I may take appropriate legal action. I have read that the Credit Reporting Agencies are required to remove the fraudulent information that resulted due to identity theft. Also, if the Credit Bureaus claim that the disputed accounts and information belong to me, I need the Credit bureaus to send me copies of proof of verification or any documents bearing my signature to support their claims. I need the following items deleted from my Credit File as soon as possible ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (IL)

I just received an add in the mail from Discover Bank offering loans at a rate of XXXX percent for terms up to 84 months and monetary amounts up to XXXX dollars. On XX/XX/2018 I applied for a loan from XXXX for XXXX dollars to refinance a current loan. They stated they could not do this because I was paying off a secured loan and they were strictly issuing unsecured loans. A little later I tried to get an unsecured loan for XXXX dollars for a term of 84 months for home improvements.  The rate they came back with was 14.99 percent. When I asked why the rate was so high since I have very good credit they stated it was because it was an unsecured loan ( the only type they were giving out ). They said the best rate they could get me on that amount of money was 10.99 percent for 36 months. 


The problem with this is all the advertising they have is for rates of 6.99 percent for terms of up to 84 months and monetary amounts up to XXXX dollars. There is acutually a chart showing this breakdown on one of the main pages. I want to know who actually qualifies for rates and terms anywhere near these advertised rates?