davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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 am writing in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The account XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (FL)

On the XX/XX/2023 i made a car payment and I received a call on the XX/XX/2023 saying that my credit score was going to be charged off after explaining that im unemployed & i wont be able to make on time payments I explained my situation i make payments weekly for the value of a car which is {$2200.00} the dealership sold me the car for {$10000.00} the car was damaged & broken i called westlake financial for help they purposely put my car in repossessed hold because they cant help with servicing cars. I couldnt make the payments on time but they allow me to make late payments multiple times i have documents they transfer my account to a debt collector westlake financial theyve allowed me to make multiple late payments too their numbers is XXXX i was 24 days late on a payment and they repo the car. The car was broken down westlake financial as a debt collector couldnt provide any help so they put the car on a repossessed hold & XX/XX/2023 i made a payment missed 24 days they illegally repossessed the car as fraud theyve allowed me to make late payments countless times & theyve say ive missed certain days, weeks, & months but theyve still took the payments while i had the car on the XX/XX/2023 & they called on the XX/XX/2023 told them i was struggling with work Ill make a payment at the end of the month if i can. They repo the car in 24 days on XX/XX/2023 no warning, no call & no mail.
Consumer complaint received 2022-08-12
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)

It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed items completely from my Credit Report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX  XXXX
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

The company didn't do anything I cancelled my cards between XXXX and XX/XX/2017 because of Fraud. I cancelled the card and reported fraud and it is showing up as a open account that is delinquent. The amount is XXXX dollars.
Consumer complaint received 2021-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I never entered into any credit transaction with fed loan per saint 15 USC 1692 Which states its not illegal to sale a account but it is a violation to sale my personal information and it is also a violation per saint 15 USC 1692e 807 false or misleading representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer violation so they are civil liable for damages for willful noncompliance per saint 15 usc 1692k
Consumer complaint received 2019-03-05
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)

Im reaching back out to you guys because you assisted my with some items on my credit that werent mine. There are still two items on my credit that I know nothing about. XXXX XXXX and XXXX XXXX XXXX This sound like something dealing with some type of medical. Im doing this on my own behalf and have already contacted the FTC and my local police. I have been on my job for over 10 years and have full benefits I have no need to go to the doctor without being able to pay. Please remove these items from my credit.
Consumer complaint received 2023-01-21
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-04-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (CA)

XX/XX/XXXX Purchased vehicle for XXXX, at interest rate of 19.35 % with sub-prime lender XXXX XXXX, located in XXXX Texas, Promised by finance officer that we would be able tor refinance, however actual value of vehicle was never the amount that was listed, and due to several mechanical issues, and failure with engine, it made it impossible to refinance this vehicle. 

Requested assistance XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no options made available by XXXX and was told I would have to complete 72 payments on original contract and there is no reprieve that can be provided, even based on the current value of vehicle. 

Current vehicle is worth less than the settlement offer, they have received total payments in the amount of XXXX well exceeding the amount of the loan originally financed, and am hoping they will take the little amount I have and settle on this debt so i can move on with my life. 

This is a predatory loan, with no exit. Refinance, is impossible as it would require the difference of what is owed on this underwater XXXX. I have done my best to comply with the awful interest on this loan, despite now being qualified for better financing, and a better rate on a brand new vehicle, however the purchase of this vehicle and terrible interest haunt me.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

I AM FILING A FORMAL COMPLAINT AGAINST XXXX XXXX XXXX WITH CITIBANK. SHE INFORMED ME THAT SHE IS NOW ASSIGNED TO MY CASE BECAUSE I FILED A COMPLAINT AGAINST CITIBANK. SHE IS MORE RUDE AND MORE SNIPPY. SO YOU FILE A COMPLAINT WITH A FEDERAL AGENCY TO PROTECT YOU AND CITIBANK SENDS YOU A PERSON TRAINED TO CRUSH YOU. 

I HAVE REQUESTED THE INTERNAL RECORDS TO SEE THE CARD ENDING IN XXXX THAT MAGICALLY BECOME XXXX AND CARD XXXX. XXXX CAN SEE THOSE RECORDS. SHE HAS INFORMED ME THAT SHE ALREADY SEES WHERE CITIBANK IS RIGHT AND I AM WRONG. 

I WILL ONLY BE RECEIVING " STATEMENTS '' IN XXXX WEEKS, ARRIVING AFTER SHE MAKES HER DECISION. 

THIS PROCESS IS TOTALLY UNILATERAL. CITIBANK IS IN FULL CONTROL.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I have filed prior complaints because they showed me 30 days late every month or 60 days late, late from the transfer of the mortgages to SLS in XX/XX/2018. They finally fixed the credit reports a couple of months ago, so we were able to apply for a refinance to get a lower rate, lower payment ( which they escalated by making improper payments from escrow ), and to get away from this disreputable company. We are almost ready to close on the refinance, and now they have done it again. I even have their receipts that show the payments and they still report to the credit bureau. I have to pay a monthly fee to a credit monitoring company and over {$7.00} per month every month to send payments usps priority mail. I contacted their rep that corrected it before, but no response. If we lose the refinance, it is because they are violating the law and defaming me by the false reporting. They need their license revoked IMMEDIATELY!!! THEY NEED TO CORRECT THIS NOW!
Consumer complaint received 2019-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

XXXX XXXX XXXX lied to me about my previous employer, XXXX XXXX being a qualifying company for the loan forgiveness program. I have the paperwork that they sent to prove it, along with the apology letter, stating they made a mistake.I would like those those payments reinstated as qualifying.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report. The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.
Consumer complaint received 2021-09-21
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)

I, XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my credit profile that need to be removed immediately. 


Collection : XXXX XXXX XXXX INQUIRES : XXXX  XXXX XXXX  XXXX  XXXX XXXX
Consumer complaint received 2019-03-05
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. (CA)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX Account # XXXX Social Security No. : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

To whom it may concern, This dispute is in accordance with the Fair Credit Reporting act. The collection account with XXXX with the amount of {$560.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States that it is my right as consumer to have privacy, which this account violates.

15 U.S.C 1681 Section 604 A Section 2 : States that the consumer reporting agency can not furnish a account without my written instructions, which I have not given. 

Due to my right as a consumer being violated, I request that this account be deleted immediately.
Consumer complaint received 2015-07-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: 24 Asset Management Corp (AZ)

I am getting called and harassed for a debt belonging to a sibling. I have related this info to the debtor before. Once I took the message and hung up the rep called me right back away to annoy me. Therefore breaking FDCPA law and harassing a client once contact was already made.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY for XXXX XXXX Acct ending in XXXX is reporting false debt due on my credit report. The account is in good standing - it is part of a Federal Debt Relief Program where the balance was negotiated, and is almost paid off. They need to reclassify and not consider this account a major delinquency when monthly payments are being made on time. I am attaching a letter in good standing.
Consumer complaint received 2019-03-05
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: COAST PROFESSIONAL INC (ID)

I have been paying Coast Professional INC {$100.00} a month for 7 years. Every 6 months they call me to get my authorization to continue to collect the $ XXXX monthly. When they called me two months ago in XX/XX/2019 I gave them my authorization but they needed me to repeat my checking account info of which they already had. I told them that if they called me when I got off at 6 I would provide them with it but they never called. I called them twice in the last two month with no call back from them. This past Friday XX/XX/19 they garnished {$300.00} with a total of {$600.00} per month although I was never in default with them and have paid on time every single month. I attempted reaching out to them XX/XX/19, XX/XX/19 and XX/XX/19 but was put on hold for 20 minutes then transferred to their voicemail. I have been in good standing and would like Coast Professional to do what it right, take ownership that they did not call back and let me continue to pay my student loans appropriately. I would also like to state that my balance has remained the same ( {$17000.00} ) for the entire deration of my time paying them. How can a persons loan never go down if they are paying {$100.00} every month?
Consumer complaint received 2019-03-05
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)

XXXX XXXX XXXX aggressively advertises loans for witch you can apply without credit report impact. Once you do, an an operator will try to coax you into applying for a secured loan you get a hard inquiry on your report. This is false advertisement and hurts consumers.
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc. (NC)

On XX/XX/2021 a purchase was made through my MoneyLion Virtual Credit Card for {$25.00}. I attempted to receive a refund directly from the merchant, XXXX XXXX but was unable to even after contacting the XXXX  who said they made two bone fide attempts to contact XXXX XXXX  Corporate and received no response. I then began a ticket with Moneylion and filled out their paperwork plus sent in a ton of my own paperwork including items such as the digital card and the fact the systems went down and nothing could be done on-site. Weeks later, Moneylion closed the ticket, just days after I sent in additional information and I asked for it to be re-opened. The dispute resolution department gave me two dates that were a follow-up date that my account would be updated, and both of the dates came and went with no word from Moneylion Dispute Resolution Department XXXX Then I was asked to re-send in faxed Moneylion forms I had already sent in and then asked for a copy of the digital card three weeks after the initial contact which I had already sent in as well. No due diligence was done, this was totally mishandled and then I was just told summarily that the dispute is denied, final, a letter sent. I have been a Vice-President of XXXX at XXXX XXXX XXXX and I can tell you that when money is withdrawn from your account and you are not given any service or goods to equal that value it is a FRAUDULENT transaction and should be removed. I will forward this to XXXX and XXXX XXXX and hopefully, they will see the truth behind what is going on here and call the franchise owner or corporate or do ANYTHING that could be considered an investigation of merit. This department of Moneylion needs to be re-vamped or they are going to be a possible cause of the severance of the relationship of any banking institutions.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (TX)

Professional Debt Mediation , Inc. were the debt collection group assigned to a debt I accrued from a prior apartment that I rented from. I initially set up a payment plan of {$25.00} per month to satisfy this debt. I managed to accrue the remaining balance I owed and paid off this debt a month and a half ago, yet this group continues to withdraw {$25.00} from my bank account every month. I have documentation provided from PDM that states I have paid my debt, and when I contacted a XXXX XXXX from PDM ( XXXX ), he acknowledged that they have it on file that I have paid the debt, and " don't show any other payments being drafted ''. When i provided images from my bank account as well as auto-generate emails from PDM themselves showing they are still drafting from me, I was met with no response and have received no response from this group until today when I informed them I will be making an official complaint. This group is predatory and are committing theft.
Consumer complaint received 2021-09-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$64.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2021-09-21
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. (TX)

XXXX, EQUIFAX, AND XXXX Violated -Federal Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates I XXXX never gave XXXX, EQUIFAX XXXX or XXXX my written consent to report any derogatory remarks, hard inquiries and, unverified items on my private consumer credit report, causing me severe suffering. ( see attatchments )