davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

Hello, I have had worst and bad experiences with Westlake Financials and the used car dealer worst companies ever, In XX/XX/XXXX of last year illegally they repo my car from a private parking, at XXXX XXXX XXXX XXXX where Local securities and police intercepted, and i have had the agent from Westlake on line informing the towing company to drop the vehicle but i was informed once hooked they will need to drive away by the police and the Westlake agent " a ripe off artist '' informed not to worry was an error car will return the same morning, but never did and ended up in a repo yard forced entry messing with private and personal belonging, damadged the car estimates close to 2500 , they did not allow me to pick up the car only after the weekend when i needed to pick up the car only following Monday with damages, i immediately informed the yard and the police before pick up, Police informed i need to file a small claims court which i did since the tow company damaged my car, i have brought to a repair shop and got myself an estimate, but lost for a fabricated or fraudulent document indicating that i have signed and received the car with no damages, the yard informed me to sue them they don't care, i lost the case Judge informing that it was an expensive lesson to learn, now since then i call to pay off the car they do not return my calls i have had a balance of XXXX XXXX the legal rep of westlake financial the biggest lier " XXXX XXXX '' i think ever i have seen promised that as soon as he returns to his office will adjust the pay off and remove the fees and authorize the payments to be collected, ever since they do not return my calls been 6 months until i have called 10 times in a single day, now they tell me it's XXXX with recurring interest, now they tell me they have charged off the vehicle in XX/XX/XXXX and massively damaged my credit report, i need your assistance to deal with these fraudulent act and rip off charges, I am not able to settle and cant get my Title, contacted DMV investigation no help, contacted others but no help each department informs to contact the other
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have had my XXXX XXXX Account since XX/XX/XXXX. My account with XXXX/XXXX  XXXX has always been paid on time. I paid it automatically electronically, and then at some point in late XXXX, XXXX and XXXX XXXX  converted some accounts over to XXXX XXXX. XXXX XXXX subsequently canceled my automatic payments, without my knowledge or permission, and without proper notification to me. 

Allegedly, XXXX XXXX is making claims that they did mail out notice, however, I have never received anything from them with regards to any changes until well after-the-fact. Had XXXX XXXX not canceled my regularly scheduled auto-billing which had been in place since XX/XX/XXXX, the account would have been paid on-time just like the 79 ( now 84-months prior ) ; If XXXX  XXXX would have legitimately made " verifiable '' contact with me, through any of the multiple contact methods they have on file from other past/present account relationships ( i.e., text/mobile notification, email, phone call, or traceable mailing methods ) to secure that the vital information was received " timely '', the newly transitioned account, converted from XXXX XXXX XXXX  -to-XXXX/XXXX  XXXX, would have been paid on time. 

Please correct this error, by removing this adverse information that has been reported to the credit bureaus. 

Thank you, XXXX Please also see the attachments included.
Consumer complaint received 2022-07-29
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. (MD)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my reportXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Mortgage Company, JP Morgan Chase Mortgage gave a seller a privilege to sell their property through a Short Sale. The value came to {$640000.00}, but the approval letter was {$720000.00}, but that buyer walked away. 
We have a new buyer, the FULL Appraisal Value came to {$660000.00}, but JP Morgan Chase Mortgage did a Broker Price Opinion, BPO, that gave a value of {>= $1,000,000}, and we disputed it with a real appraisal report, but Chase insists on a {>= $1,000,000}, which is an effort to frustrate the Short Sale. 
One of our contention is that the property could not have increased in value from {$640000.00} two weeks ago, during this Corona Virus period, by over 50 %. 

There is no way a property that appraise XX/XX/2020 for {$640000.00}, no suddenly appraise for {>= $1,000,000}, XX/XX/2020. They should notice that error and address it.
Consumer complaint received 2020-02-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (VA)

I have sent multiple debt validation letters to the credit bureaus and the company with the most recent letter dated XX/XX/19. I have never received a written response from the company. Once I submitted the last letter, I noticed on my credit report where they had closed the account and marked it as paid and then 1 or 2  months later, the account was reopened again. I have also contacted them by phone where the representative told me that they did not have nor could they produce a contract that I signed with them. I have tried to resolve this issue for the last year with no avail. However, they continue to report incorrect information on my report without responding to my debt validation request.
Consumer complaint received 2020-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

XXXX XXXX ( PayPal name, Email : XXXX, Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States, Phone Number : XXXX ) bought a jacket from me and the transaction was done through PayPal on XX/XX/XXXX ( Transaction ID XXXX ). The Jacket sold for $ XXXXOur conversation initiated on XXXX, an online shopping app. He then asked me if I want to do the transaction on PayPal instead. The transaction was fine until XX/XX/XXXX when he issued a claim on PayPal, stating that the jacket was not as described. He wore the jacket and then resale to someone else. The next buyer found the jacket was worn and asked XXXX to return. Hence, XXXX  file a claim through PayPal to return the jacket. PayPal decided to reject his claim after going through the case and details. However, they finally charged my money back because XXXX XXXX issued a dispute to his credit card bank. The bank took the money back from PayPal and PayPal had to take the money back from my account. PayPal said the only thing I can do now is to wait for the decision from the issuer 's bank or to sue him. 

I found this case a total fraud as XXXX XXXX himself was wearing the jacket after he received it from me, according to several pictures he posted on social media. Also, there can't be any damage as he described because when he posted the jacket online for sale, he said it's brand new and no damage at all. 

Please find the essential evidence of my original XXXX post, screenshots of our conversation, pictures of him wearing that jacket, screenshots of his online shop posting the jacket and PayPal solution. 

For now, Paypal decided to refund the money from my account, and didnt ask the buyer to return the jacket. Paypal charged me {$1400.00} from my account and I also lost the jacket.
Consumer complaint received 2020-03-31
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: EQUIFAX, INC. (WV)

Company : Equifax Complaint : Equifax has refused me access to my account after verifying my identity on multiple occasions. I have mailed the required documents to the provided address and answered their questions via internet and phone. Even after following their steps they still refuse me access my account or credit report. I have tried for months now but, they will not contact me and I have tried everything possible. They are refusing to allow me control, access and legal privileges of obtaining and disputing info on my credit report.
Consumer complaint received 2022-08-23
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)

This is my six 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 XXXXXXXX BANK XXXX Date Opened XX/XX/2015 Balance {$440.00}.
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PayPal closed my account on XX/XX/2020 and held my balance for 180 days. 
Today it has been more than 239 days and I still have no answers. 

I try to communicate with them and they don't give me the help I need. They do not want to give me any explanation and I am already tired of calling and writing to the chat. I have asked them justification of why they have withheld my balance beyond what is stipulated in their policies and they do not give me an answer. If this continues, I will have to resort to legal situations, I will not allow them to keep my money. this is the email that is linked to my Paypal " XXXX ''
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (FL)

I reviewed my credit report and discovered several accounts in my credit report that appeared too not have been mine, i contact the companies trying to find out how they got my information and why they were reporting negatively to my credit report they were not having they just wanted me to pay for something that is not mine realizing i was not getting anywhere with them. i made a fraud report with the identity thief at the web site ( Will add report ) in accordance with the fair credit reporting act XXXX  the accounts have violated my rights 15.us1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. I would like to have these account listed on my report to be deleted of my credit report permanently not to be returned.
Consumer complaint received 2020-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

I am a victim of identity theft. I discovered it in autumn of XXXX when I tried to open a credit card with XXXX XXXX. I believe my information was stolen after my first visit to the US in XXXX and used from XXXX to XXXX to open a number of fraudulent accounts in my name. Unfortunately due to my absence in the country from summer XXXX to autumn XXXX I didnt even though that it might happen as I didnt share my personal information with anyone except employers. During this time I lived in my home country XXXX and also studied in XXXX. I have all the proofs to this. I started fixing this identity theft issue right after I spotted it, by calling to fraud departments in banks where accounts were opened, contacting all credit bureaus, filing a police report, FTC report, IRS report. I sent proofs to banks, credit bureaus. All fraud data was cleared from my credit reports and after talking to investigation teams, most banks closed these fraudulent accounts but not XXXX and Discover Bank. I tried to contact these 2 banks numerous times, sent all possible proof that accounts are not mine. But they always resolve these not in my favor for various reasons. Discover is stating that my name was added to an account as a secondary user, but I dont know or ever knew this person that it was added to. Neither lived on addresses connected to that account. I did provide them with all the info and police report as they requested but didnt get a note that it was anyhow investigated or resolved. I contacted them : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and send a police report around that time. But my name was not yet removed from this account. Please let me know if you need any additional information on this.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MA)

Citibank has yet to resolve the multiple disputes about incomplete, inaccurate, and unverifiable information and is in multiple violations according to FCRA and other consumer laws as stated in the attach affidavit which Citibank is in default. Citibank has yet to pay invoice for violations, damages etc. 
Citibank is yet to take appropriate actions according to FCRA towards fixing my credit report on the disputed incomplete, inaccurate, and unverifiable information.
Consumer complaint received 2020-03-31
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: DISCOVER BANK (NY)

This information is in regard to XXXX  Credit Reporting Agency. 

Credit Report Number : XXXX XXXX  has continuously and is currently reporting 2 accounts that is a result of identity theft within my credit file. The info is with XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES. Perpetrators were able to obtain several loans, bank accounts and credit cards using my information. I had filed a police report, I had filed an FTC identity theft report, and yet they ( XXXX  ) still kept the fraudulent information within my credit file. Not only did they did this, the credit bureau ( XXXX  ) has also updated and maintained this information within my report, even though XXXX  and both ( XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES ) companies has failed to send me information on who opened up these fraudulent accounts. 

Several times I have asked XXXX  to remove the accounts and to verify who had opened these accounts with XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES, and to several times, no success or avail. 

Ive also reached out to both companies XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES. XXXX XXXX kept on giving me the run around and no one never returns my calls. While a representative at Discover Card told me the company has its obligations to keep a record on everyone, regardless if that person is an ID THEFT VICTIM, and even if its mine or not. Nor are they obligated to send me anything as well on the fraudulent account even though a police and FTC REPORT was filed. I had submitted a police report and an FTC identity theft to Discover Financial Services. 

Both fraudulent accounts are still within my credit as of XX/XX/2020. 

I currently work as XXXX XXXX at XXXX XXXX, in XXXX XXXX NY. 
So daily I have to restrict my commute by using XXXX/XXXX  services due to the exposure of the Coronavirus on XXXX  public transportation. And in return its costing me closer to thousands of dollars every week. All due to the fact that I can not apply for a car loan due to my Identity being stolen and fraudulently used. As well as the fraudulent acts of XXXX  Credit Bureau. 

Im facing risk with my life everyday, and the last thing that I should be worrying about is my credit being used fraudulently at XXXX  Credit Bureau. XXXX  has not made it easy for identity theft victims such as myself. An help from someone within the Consumer Finance Bureau is highly appreciated. Thank you.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I deposited a check at a ATM, normally {$200.00} of the funds are released immediately as I have been a customer of the bank since XXXX. This particular check was for {$5000.00}. It was a personal check from a close friend. I received a message on the morning of XX/XX/XXXX that there is a 10 DAY HOLD on the check. I went to the bank in person at XXXX XXXX XXXX XXXX with the intention of bringing in the person who wrote the check for any " signature verification '' needed, only to find out that I can not speak with a banker, only tellers who were very rude to me and told me there was nothing they could do for me. I was told there a different story that the funds were not collected, but also I could call the Wells XXXX number and get the funds released. Basically, they had no appointments and couldn't issue me one. I was told I would be contacted by the branch to schedule an appointment, which it has been 8 hours and no one has contacted me to schedule that appointment. I then called the XXXX number as I was directed and no one at the XXXX number would assist me. The " manager '' I spoke with basically told me " tough luck '' with the 10 day hold on my check and that there was no one to contact in the department that removes holds. Mind you that this hold is for 10 days. I was given a file number that someone would contact me IN ANOTHER 10 days to help with my issue. So basically, all their bases are covered and this corporation will hold my money for 10 days regardless. The case number is XXXX. That is all the help I am receiving, a lengthy number. Meanwhile the bank will hold my money and collect interest, as I am sure this is yet another Wells scam against its consumers. I also asked the " manager '' who this bank was regulated by and where my complaint could be filed and the manager on the phone refused to give me that information. I had to look this up myself. I know this says this complaint is 60 days out, but this company needs to be held accountable. There are XXXX points on a check and all XXXX points are met, why is " an additional investigation? needed? I dont have the money to file a class action law suit, but I know this practice of holding someone's money for 10 days is illegal.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

Hello once again I was trying transfer my funds off the account and PayPal the amount of {$120.00} and basically is holding my money I called XX/XX/2022 and they kept making excuses putting me on hold and kept saying its there security system but there not giving me a reason why the transfer wasnt going thru they literally do this everytime and tried maker send money to a unknown PayPal XX/XX/2022 now Im on the phone with them they have been nun but rude slamming the phone cause Im asking questions then literally catches a attitude so at this point I want my money and really want to sue this company they literally keep telling me they dont a solution and dont know what to do so now I want my money of the account
Consumer complaint received 2022-08-23
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)

This is XXXX XXXX and I am submitting this CFPB Complaint to day to follow up the previous complaint I submitted last XXXX XX/XX/2022. I previously sent a letter addressed to the Credit Bureaus on XX/XX/2022, with complete attachments of personal identifying dcouments such as my Driver 's license, and Proof of Billing address, to remove Accounts, Personal informatio and inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. I need the following fraudulent items deleted from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} US DEPT ED XXXX Balance : {$7100.00} US DEPT ED XXXX Balance : {$6800.00} US DEPT ED XXXX Balance : {$5600.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance : {$7200.00} US DEPT ED XXXX Balance : {$9400.00} US DEPT ED XXXX XXXX : {$3100.00} US DEPT ED XXXX Balance XXXX {$460.00} US DEPT ED XXXX Balance : {$1600.00} US DEPT ED XXXX Balance : {$8100.00} US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$6700.00} US DEPT ED XXXX Balance : {$1500.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX