davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (CA)

last week XX/XX/XXXX I got in contact with Westlake Financial Services www.westlakefinancial.com, in order to negotiate the deferment of postponement of my 2 loan that I have with them 1 ) XXXX XXXX XXXX loan was approved for around XXXX in XXXX of XXXX. 
2 ) XXXX XXXX XXXX : Loan was approved from XXXX in XXXX of XXXX. 
I spoke with one of the agents and explained that due to the severe impact of Covid-19 in our family financials we were not in the position of paying the car loans, I asked for a postponement of deferments of the payments and he said he wasn't authorized to do such request, I asked to speak with a supervisor and he refuses to transfer the call saying that the supervisor was supposed to say the same thing because they don't have a program to help anybody with financial issues. I asked to have a supervisor to reach me out otherwise I will report this to the authorities. 
I called today XX/XX/XXXX to see if anybody was available to deal with my request and obtained pretty much the same answer, I hope someone can help me to defer those payments ( I'm not asking to forgive that money ) in this difficult situation. 
Thank you.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

After making several calls to Experian explaining that my identity has been stolen I have been instructed to send them the identity theft report to have this information permanently deleted from my credit but they keep saying they are not getting the identity theft report but I have sent several times without these items being deleted.
Consumer complaint received 2017-09-09
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. (WI)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2020-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

This letter shall sever as the formal and last notice of my intention to file suit against your organization. You are currently reporting two accounts to my credit file in the amounts listed above. This account is a direct result of the 2017 Equifax Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked my name, birth date, address, phone number, social and driver 's license number was compromised and used to open several accounts without my permission, this account is one of them. I requested a full debt validation from your company, I have yet to receive any contact back. Legally you had 30 days to send me the following information listed below ; you have not done so. Please remove this information from my credit file as soon as possible.

I have moved forward with filing a report with the FTC and the CFPB. In four business days I will be filing suit against your company. My lawyer has advised, if this information is not removed from my credit file within four business days I will move forward with the last step to secure documentation and complete legal filing against your company for directly violating the Fair Credit Reporting Act by continuing to report this false and inaccurate information to my credit file. At that time, I will seek for punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. Equifax was negligent in allowing my personal information to be compromised, however your company will be held just as responsible for continuing to report this false information to my credit file. I have filed a claim against Equifax, I am waiting on the results of this claim. You may search the following in a browser. XXXX XXXX   XXXX XXXX has failed to provide me with proper debt validation for the following incorrect accounts that they have listed on my credit file. 

1. XXXX {$260.00} 2.XXXX XXXX XXXX XXXX 3.XXXX  ( XXXX ) {$300.00} 4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX, I sent the consumer reporting agencies letters notifying them that they Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. They also reported without my authorization or permissible purpose and a clear violation of FCRA 15 U.S.C 1681b ( f ). I really think that they are violated my rights and I want to seek legal action about this issue.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (MD)

A collection was illegally place upon my credit report with all 3 credit agencies, without my consent. ( TRANSWORLD SYS INCXXXX and XXXX XXXX XXXX ). Once paid and settled, I requested the creditor to delete the account from my credit report. They refused to. I requested XXXX, XXXX and XXXX to remove the unverified item off my credit report. It simply came back as verified as paid. I understand my rights under the Fair Credit Report Act, so dismissal of this account from my credit report is requested at once.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I have continued to request Experian to remove XXXX XXXX XXXX as its not my account. Its now over the 30 days and still no response. Please have them remove this account, its not mine.
Consumer complaint received 2022-07-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with XXXX XXXXXXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.
Consumer complaint received 2019-12-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have an auto loan with XXXX since XXXX. The history report that I have from XXXX doesn't match with the history report they sent to the credit bureau. Also, this year I submitted more than 5 payments in advance trying to pay off the loan earlier but those payments ha n't help at all. According my report my last late fee was on XX/XX/XXXX. According the last reports sent to th the credit bureau I was late for {$36.00} as XX/XX/XXXX with a mark as a " delinquent ''. Please see attached both reports.
Consumer complaint received 2019-12-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have an auto loan with XXXX since XXXX. The history report that I have from XXXX doesn't match with the history report they sent to the credit bureau. Also, this year I submitted more than 5 payments in advance trying to pay off the loan earlier but those payments ha n't help at all. According my report my last late fee was on XX/XX/XXXX. According the last reports sent to th the credit bureau I was late for {$36.00} as XX/XX/XXXX with a mark as a " delinquent ''. Please see attached both reports.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I had XXXX XXXX XXXX as my provider. I wanted to change my plan, so I brought the account current and when I update my plan I was quoted {$180.00} a month. The XXXX bill I received they charged me over {$240.00}. I called and let them know that that is not what I was quoted. They said they would fix it. I received the next bill and I was overcharged again. I called and they stated that they would again fix the issue. I told them that I planned to terminate my service and that we needed to settle the dispute. I send them a history of my payments, I did so with no response. I then discontinued my account with them. They contacted me and told me it was a remaining balance. I sent in again my payment history and they said again, they would contact me with an update. It has now been reported on my credit report. I disputed the charges and they were removed. I checked back later and they are back on my credit report.
Consumer complaint received 2016-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

First supervisor we talked to had said that THEY WOULD work with us and that the account WOULD NOT go into Active Collection until a future date, she also said that they would contact to other people on the account in order to collect their portion of the bill. The second person we talked to had stated that they do not work out deals and that the entire amount would have to be collected over the phone on the spot or else the account would be immediately would be sent to Active Collections. Also threatening to mark the account as " Refused To Pay '' when we said we could not pay it at that exact moment but could pay it in a few days. Then once we had told him that there were more people on the account and that we were all splitting the cost with he was then Refusing to contact them saying that we needed to pay immediately before the phone call was up. This second person was being very unprofessional using harsh language ( not explicit but very disrespectful ) and kept implementing scare tactics in order for a payment to be made. and when we told him that we talked to a supervisor and they had given us such information he said that they do not do anything in such manner. Finally during the midst of the entire conversation he unprofessionally had thrown us on hold with out saying a single word right in the middle of my sentence when I was explaining something to him.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (WA)

I am a victim of identity theft. I have taken proper steps to protect my identity. I was alerted by my credit monitoring service on XX/XX/2022 that I had new activity on my credit report. Under further investigation I found that XXXX XXXX XXXX provided services to a home in XXXX OH under my name and SS # which I DID NOT AUTHORIZE! I have never lived in nor stepped foot in XXXX Further, I don't personally know anyone who lives there. The debt incurred was not paid. It was then sent to a collection agency by the name of Associated Credit Services Inc. The debt is {$340.00}. This debt is now on my credit report and of course is dragging my credit score down. XXXX XXXX XXXX never ran my credit as I have a freeze on my credit. I was never alerted that someone was trying to run a check on my credit, the whole purpose for a freeze. XXXX XXXX XXXX used my SS # without running a check first and is making me jump through hoops to prove that I am not the person that lived at the home they provided services to. I am cleaning up a mess that could have been avoided had they simply attempted to run a credit check on me.
Consumer complaint received 2022-03-31
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. (SC)

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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC. (CA)

Hello and thank you for helping me with this, I am afraid my money is gone and I do not know what else to do. I changed jobs last year as I am sure many other people have as well. I attempted to close my XXXX account through my previous employer and transfer the balance to my personal XXXX account to avoid fees and restrictions on that balance. I submitted a paper form and followed the instructions on their website. I was told to wait 8 weeks for the balance to transfer as a " trustee to trustee transfer ''. After 8 weeks with seemingly no movement on the account I reached out to them and requested an investigation, the results of that investigation produced guidance for me to again fill out a form and mail it to a different address than originally instructed. This time in 8 weeks the money had left my existing account with my ex-employer and the account was marked closed, but no money had arrived to my new personal XXXX account. I reached out to both the new and old XXXX companies with dismay and they both opened investigations. Unfortunately, the new XXXX company simply had not received anything from the old XXXX company. The old XXXX company has opened an investigation into the transfer issue, but simply closed it in 5 days with no change to my account, no refund of my money, and no correspondence. How can I get my hard earned XXXX money back?
Consumer complaint received 2017-11-27
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. (TX)

I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XX/XX/2015
Consumer complaint received 2022-12-14
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. (SC)

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-31
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. (SC)

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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 30 days.
Consumer complaint received 2019-10-30
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. (CA)

I have an account on my credit, XXXX XXXX, that is the result of identity theft. I have requested the credit bureaus block the item from my credit report, but they have not done so.
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (FL)

My name is XXXX XXXX XXXX I find I have fraud account with a Company name Deville Asset Management XXXX XXXX XXXX, XXXX, TX, XXXX. I find this account because my credit score was down in my XXXX XXXX, I send a police report with attach letter explain I am a victim of identity theft, this Company still not doing any investigation to fix this Fraud which is affecting my life, my Finances and my name.
Consumer complaint received 2017-11-23
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

Navient calls my cell phone every week day at least 3 times, sometimes 4 times in a row. They have contacted family members and began calling my place off work, every day, multiple times a day. Calls start before XXXX and continued after I explicitly told them to stop calling me and my work. Last week, the front office informed me that a recoding called at XXXX giving my name and stating that they were attempting to collect my student loan debt and that I would be put in deferment if I did not respond within 48 hours. I once again contacted then to stop calling me. I 'm a XXXX and I love what I do, but it barely pays my living expenses. It took me over five years to get a XXXX job after college and now I have debt collectors harassing and humiliating me at the XXXX XXXX XXXX at. I 'm contracted year to year and can only imagine how this will effect my chances of being offered a new contract. Causing me to be unemployed is n't going to help any part of this, on my end or theirs. If I had the money to pay back my loans, I would, but I do n't, I just want them to stop harassing and humiliating me!
Consumer complaint received 2021-09-11
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. (HI)

I filed for bankruptcy in XX/XX/XXXX and was finally discharged by the court in XX/XX/XXXX. 

All of the accounts that were affected by this bankruptcy reflects the dates that I have previously provided, except for the Hawaii USA account that is reported to Experian. On the Experian report, it shows that I had filed for bankruptcy on XX/XX/XXXX instead of XX/XX/XXXX and also shows a charge-off on the account on XXXX of XXXX. Both of which is totally incorrect and should never have been marked past the date my bankruptcy was initially filed for. 

I reached out to Experian on XX/XX/XXXX and the person I spoke to said that they were not able to help me because the information reported to them by Hawaii USA was confirmed and that any incorrect information should be handled through them. 

On XX/XX/XXXX, I reached out to XXXX from HawaiiUSA 's dispute department. She got back to me on XX/XX/XXXX after a thorough investigation and said that they report throught the E Osker system and when they input the information, it does not give them an option to select the dates and that is supposed to be handled through Experian. There was XXXX could do because they are limited through the E Osker system. She and I confirmed that all other credit bureaus are reporting correct information except for Experian.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

Credit Management LP is trying to collect a debt from me that I do not owe. My XXXX  report was reflected a " unpaid '' account status and I've never entered into any business with this company. This entry is defamation to my character, I will not hesitate to file a suit against you in small claims court for this violation of my rights.