davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NV)

XXXX night at XXXX my XXXX XXXX was repossessed. When I called West Lake Financial, I was told that my car will not be released until the balance is paid. My loan was originated with XXXX XXXX XXXX and I paid off the first vehicle on this account and towards the very end of paying off this vehicle, my loan was sold to or given to West Lake Financial because I was told all XXXX XXXX accounts were being handled by XXXX XXXX. I asked XXXX XXXX why was my account being handled by a collection agency when I was not late on my payments. I was told it was not a collection agency and they will be handling all accounts. From my very first encounter with West Lake, they did not have any of my information in the system for 2 months but told me when my information finally got updated that my account was past due. I told them that I pay XXXX every month on the XXXX and when I make my payments, they continue to ask about the past due balance. I spoke with XXXX XXXX and was told that I should disregard that and they have instructed West Lake that my account is not past due and to accept my regular monthly payments. My account is now down to under XXXX as of today XX/XX/22. The balance left are deferral payments over the course of the loan and those are being paid back as I did the entire loan ( in monthly payments of XXXX ). I received a letter from West Lake stating I am in total collection and car could be repossessed. I immediately called XXXX XXXX and was told, they will take care of it and not to worry. Everytime I called West Lake no one would listen and everyone was so scripted that what the customer said was not important. Well I looked out my window last night only to find that my car was gone and I called XXXX XXXX to assist since they are the ONLY ones listening. This has been a TOTAL NIGHTMARE with West Lake and I plan to take further legal actions against this company to the fullest extent of the law. They are very unprofessional and ALWAYS act like bullies everytime I call them. The last conversation was with a supervisor XXXX XXXX who stated to me that my car will not be released until the balance is paid. I tried to explain to him what was going on and he told me it did not matter, the car is not being released until they get the payment. This treatment is unacceptable.
Consumer complaint received 2016-09-09
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

I had my credit score ran 2 times by Spring Leaf and I never gave authorization to run my credit. When I called the office they gave me another number to call. When I called that number, they looked up my account and said I had to send them proof or they were not going to take it away. They said it really was n't on there, but when I looked on my credit report it was, 2 times.they blew off my complaint by minimizing my findings, saying it was n't on there the credit report is wrong, I had to tell them multiple times. This was around XXXX, I threatened to contact cfpb and hung up the phone ... ..now near XXXX same day, I checked and the inquiries are gone, but the fact is they STILL ran my credit without my persmission and I think they need some sort of repercussion.
Consumer complaint received 2015-04-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (TX)

I owed money to XXXX XXXX XXXX and paid it in XXXX 2015. Now I am getting letters from AARGON Collection Agency, XXXX months after I paid, that I owe this debt collector. I have the cancelled check showing payment.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (FL)

My was Credit report pulled without my Authorization, the companies are listed below, along with the dates and their phone numbers. 

XXXX XXXX XXXX XXXX - XXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax - XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX Phone XXXX XXXX XXXX XXXX XXXX - XXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX Phone XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have reached out to Equifax and XXXX on numerous occasions over the last two years to have XXXX listed on my credit report as included in bankruptcy. I have sent the paperwork to Equifax as well as XXXX and it is still listed on my credit report incorrectly. This is hurting my credit and I need this corrected quickly.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC. (CA)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with BLINCLOANS for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2022-07-20
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)

To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process. 
Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy. 
( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights. 


Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 
Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 )
Consumer complaint received 2022-08-04
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. (CA)

I received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : XXXX XXXX  XXXX Balance : {$85.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. 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. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2022-03-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I sent a request to Equifax/XXXX/XXXX  to submit a method of verification in reference to a chapter XXXX bankruptcy they have erroneously reporting on my credit report.
Consumer complaint received 2022-08-04
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have no knowledge of this account and it shouldn't be on my account.
Consumer complaint received 2015-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (GA)

My loan was sold to Shellpoint Mortgage Servicing, XXXX, SC, My payment is due on the XXXX of the month, but not late until the XXXX of the month. By the XXXX of the month, I am getting phone calls on my job, home & cell phone from XXXX to XXXX everyday, from XXXX to XXXX times a day. I 'm not even 30 days behind, and if i 'm late, I simple pay the late fee when i 'm late with no problem, but I still get the calls all day long and I ca n't block their number. I could see if I was XXXX to 180 days behind to get the calls, but I 'm just late, and I still get these calls every month for the past year. I have contacted them several times, to stop robot calling me everyday. This is harassment!
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (GA)

I applied for an XXXX XXXX XXXX  card through Chase at the end of XX/XX/2022. The offer I accepted for was for 0 % 12 months on purchases. I have been making my purchases and started carrying a balance as i thought there was 0 %. I do everything paperless and I happened to look at my last bill as I have been doing some remodeling to my house and noticed a finance charge. I called Chase and they said I do not have 12 months at 0 %. I asked to speak to a manager who was XXXX  and said they have no reference of that and I would be paying the interest charges. I asked to file a complaint with the executive office, he said he logged the complaint and there was nothing else to do. 
I have paid XXXX, XXXX and XXXX thus far in interest that I should not be paying for. 
I have not missed any payments and make more than the minimum payments so there is no way that I voided the XXXX months.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KY)

I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a second letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Please help me alleviate this collection account.
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (NV)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (CA)

I Mailed a letter to SageStream LLC back in XXXX, XXXX requesting a security freeze and a copy of my consumer report and never received a response. In XX/XX/XXXX I submitted a second request for the same thing via their website and I did not receive a response or email confirmation that the request was even received. I sent a 3rd request Certified Mail that they received on XX/XX/XXXX with no response. I have called the phone number they have available XXXX & left several messages to resolve the issue but again it was to no avail. I have sent personal information such as ID and Social Security # to this company & I think it is very unprofessional of them to not even respond or acknowledge my requests.
Consumer complaint received 2015-10-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Presto Auto Loans, Inc. (AZ)

We have been working with Presto Auto Loans of XXXX arizona. We had taken out a loan XX/XX/XXXX for {$5000.00} and now as of XX/XX/XXXX we have still not come to any conclusions or resolutions. Presto Auto Loans has since reported our vehicle as repossessed to the credit companies and we do not know where the vehicle is! They have not cooperated at all with our complaints and desire for an inquiry, we have made countless calls that have fallen on deaf ears. Countless emails have been written to the supposed " vice president '' XXXX XXXX but his replies are of a snarky rhetoric that demands we go to the police as it it now a " police matter '' we also have been told that the car has been reported " stolen ''. Nothing has been done on Presto 's part to help us with the investigation and have been extremely uncooperative.
Consumer complaint received 2022-11-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

On XX/XX/XXXX, my credit score dropped XXXX points. The ONLY change was a minor increase to the balance on my XXXX secure card. I have never been late and generally pay it off every month. It's only a {$100.00} limit. 

On XX/XX/XXXX, there were 6 changes to my report, mostly decreased credit balances, XXXX of them shows my XXXX card balance down to owing XXXX XXXX Yet, my score only went up by XXXX points! 

This is unfair and inaccurate! I have worked really hard to improve my score and in one swoop, XXXX balance increase completely stripped me of all my hard work. 

Attached are screenshots from XXXX XXXX, the score matches my current score that is on Equifax. Please note, XXXX shows my current score at more than XXXX pts above and before the " dispute resolution '' was not than XXXX above Equifax XXXX!
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: GAMACHE & MYERS, PC (MO)

On XX/XX/XXXX I tried to use my debit card and found that my account has been garnished. I collect XXXX XXXX and have been since XXXX. On XXXX XXXX the attorney for the debitor ( XXXX ) filed a release of funds with the court and XXXX XXXX XXXX. Today ( XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX said there is still a garnishment from the courts. XXXX XXXX  XXXX is charging me {$120.00} in legal fees and sending the attorney {$100.00}. XXXX XXXXXXXX XXXX should have protected my funds hence I shouldn't have to pay their legal fees
Consumer complaint received 2015-08-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank ( Care Credit ) allowed XXXX XXXX to open a credit line. XXXX XXXX put me ( XXXX XXXX ) as her co-sign for a medical procedure amounting to almost {$4000.00} dollars without me signing anything or being physically present. I, XXXX XXXX have never met nor know who XXXX XXXX XXXX is and I also never gave my consent nor signature for anything involving XXXX XXXX XXXX.
Consumer complaint received 2022-11-22
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 — Investigation took more than 30 days
Company: FC HoldCo LLC (IL)

I have disputed this account with Flagship three times and nothing has been sent to me proving the validation of this account. It has been over 120 days since the first letter was sent i send a new one each 30 days and still no response. 
I have also disputed with both XXXX and XXXX and they still fail to provide me with adequate information or documentation of validation of this account. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IMMEDIATELY as all of these companies are violating my rights and refusing to help solve the issue.