davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I had a loan out with US auto sale financing, and I was charged double times, my car was disabled even when I wasnt late but they always turned it back on. But Ive been paying on my car for over 6 years now and it still hasnt been paid off. I know I should be done paying it by now. If they were using the money towards my payments, but now I have this company called Westlake portfolio sending me threatening letters to repose my car a company I didnt even know nothing about first off. And now Im struggling having to try and pay them XXXX XXXX  a month when I was paying us sales XXXX XXXX a month for almost 6 years, my car should definitely have been paid off by now.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

I've had my car repo twice with the company, my car has also been SHUT OFF several times before leaving myself and children stranded in the middle of the street at a stop light! My interest rate is out of the roof. My finance charge was at an illegal rate! When the car was bought the term of the loan was for 5 years at a little over {$17000.00} the car has never been worth the cost with it being a XXXX I've had the car for 3 years and my payoff is still over {$12000.00}! Company suddenly closed and transferred accounts to WESTLAKE Portfolio. The new company in charge of accounts have incorrect information and haven't been able to provide correct information or a solution. Warranty 's that have been paid towards doesn't exist anymore! The account shows closed on my credit report but was reported as delinquent when closed! It's unfair to be paying the new company, when the contract was never agreed to with them!
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bliksum, LLC (CA)

I received a bill for what appears as an open account-mortgage secure loan for a company called loanme. The transaction date is listed as XX/XX/XXXX in the amount of {$1100.00}. It also has a pas due payment amount of {$1600.00}. It also stated that the current payoff good until XX/XX/XXXX of {$1800.00}. Account number XXXX. 

I have not done any business with this company since bk XXXX. I do not have a mortgage and I do not know what they are talking about.
Consumer complaint received 2015-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

I have previously disputed address with Experian and it seems to never really come off. I am once again disputing address information which is and has not belonged to me. These following address 's please remove them from my credit report:XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, I have attached a letter of deletion from Debt Recovery service which I have previously sent to Experian and yet the collection entry still exist on my credit report with them. Please remove the collection entry and the XXXX address that I have previously asked you to remove from my credit report. I have attached the deletion letter, Experian credit report with the deleted items that needs to be removed circled. I have also filed a police report with the XXXX Police Department for ID Fraud and I have also attached that to this dispute. It is apparent that there is someone using my name and social security number.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MO)

I ordered a credit report from Experian on XXXX XXXX. The report number is XXXX. 

On my credit report XXXX shows a status : " Refinanced, closed/Never late. Balloon payment of {$57000.00} due XX/XX/XXXX. '' I called and spoke to " XXXX in XXXX XXXX '' ( that 's all the identification he would give me ) who told me that I should n't worry about this. It will just drop off my report XX/XX/XXXX. He agreed that since my status states " closed/never late '' there could n't be a balloon payment due. So I told him that the law requires Experian to remove any incorrect data from my credit report and that 's what I want them to do. He kept reading me my report - the statement above - and would n't agree to have the false information removed. 

I am asking that the CFPB require Experian to comply with the law and clean up my credit report. 

Thank you.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I tried disputing this last time but I received mail from CFPB so Im gon na attach identity verification with this my problem is I havent applied for any credit Im XXXX XXXX XXXX I made a report with the FTC none of these inquiries are attached to any open accounts I didnt authorize any of these inquires. Ive sent experian, XXXX, and XXXX certified mail. This is messing with my lively hood.
Consumer complaint received 2016-07-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OR)

I have a loan with One Main Financial in XXXX Oregon. My payments were set on auto pay, and my payments were being regularly taken every 2 weeks. I noticed recently that One Main had not taken their payment from my bank account when they were supposed to. I tried several times to contact them and left phone messages. I finally got through and they claimed they were trying to call me, and I asked what number they were trying to call and they told my my current number. If they had indeed called me I would have answered or returned any missed calls. Their number is programmed into my phone so I would know it was them. The problem they said, was that they had a copy of the voided check instead of a voided check, and that they could not take any payments from me because of that. The truth is that they had been taking the payment right along every 2 weeks for some time although they did n't have the actual voided check. During the time lapsed that they did not take my payment, they slapped me with a {$98.00} late fee. This is highly illegal and unethical.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information https : XXXX Please show me the document that i opt out of the disclose Personal/non public personal information to nonaffiliated third party ( Credit Reporting Agencies ) . 

and i also need you clearly and conspicuously discloses to me in writing or in electronic form or other form 's permitted by regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third party.

I want you read this carefully ... You need to notify me clearly and conspicuously discloses to me in writing or in electronic form NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Consumer complaint received 2016-08-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (WI)

I was told if I paid this debt they would remove the account from my credit report. They still have not done this and I have paid it and disputed the account. I want this removed from my credit report like the debt collector promised.
Consumer complaint received 2015-07-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (IL)

COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX..
Consumer complaint received 2023-08-12
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: BARCLAYS BANK DELAWARE (FL)

Frontier Airlines World Mastercard account ending in XXXX Frontier Airlines World Mastercard account ending in XXXX Frontier Airlines World Mastercard account ending in XXXX Barclay 's has erred in its decision about fraudulent charges that were made in XX/XX/2022 in XXXX XXXX XXXX. Neither my mom or I made the XXXX purchases in the XX/XX/2022 that were previously noted. We have already paid for all the charges we did make in XXXX. 

Based on Barclay 's response, it seems that I was mistaken that my Mom had a card. This doesn't make sense because she is an authorized user on all of my other credit cards. The fact is that she must have used my card when she was in XXXX and lost it there. I have personally never used my Barclay 's card, but have allowed my mom to use it. I have not been in XXXX for the past 5 years and have two letters that prove I was not there in XX/XX/2022 One letter is from my employer and the other from my XXXX XXXX. Your fraud fax number does not work. I called the fraud department and they told me to send them via regular mail. They are now attached. 

IN ADDITION, Barclay said that my payments, late fees, and interest would be on hold while the fraud is investigated. Unfortunately, they continue to charge interest and late fees. I had a close to perfect credit score before these fraudulent charges were made in XX/XX/2022. This is very stressful and a travesty.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (ID)

On Monday, XX/XX/2023, at XXXX XXXX XXXX, I received a call from Wells Fargo reporting that my account had had been flagged due to an attempt to change my password. The phone call lasted XXXX minutes. The person on the other line was viewing my account for their end and was asking if I had lost my card, been attempting to purchase anything in XXXX XXXX XXXX, Arizona, '' or had any of XXXX payment apps ( XXXXXXXX XXXX XXXX XXXX XXXX  breached. I advised that we had not traveled outside of Idaho nor would any transactions in Arizona be authorized. The was very polite, professional, and assured me they were going to stop the attempt at an authorized charge. They gave me a temporary password for my online banking, and send verification codes to continue updating and " clearing my info from the payment apps. '' I had just gotten back from vacation and was driving my son to his football practice and was very distracted as well as upset at the nature of the phone call. I was reading the verification codes off my XXXX XXXX as they were being sent, while I was talking to them on the phone. At that time, they advised that there looked like a pending charge from " XXXX  '' was showing, but it would be removed as a fraudulent charge. They verified that my account was then secure, and stated that another Wells Fargo representative would call me in 24 hours to follow up on the issue. 
By Wednesday XXXX, XX/XX/XXXX, I had realized that Wells Fargo had not called me back yet so I logged into my online banking to see that there were three, {$1000.00} charges from my checking account to " XXXX, New York. '' I immediately called Wells Fargo, whom advised they had never called me two days previous. At was at this time I realized I had been completely scammed. I reported the three charges as fraud immediately. I later received a written letter from Wells Fargo, dated XX/XX/2023, that stated the transaction was authorized and my claim was closed. 
I then called Wells Fargo, upon receipt of the letter, on XX/XX/2023, to further inquire why the claim was closed without reversing the charges. The Wells Fargo employee did not divulge a reason, at which time, I advised I would be reporting the issue to all authorities possible as well as filing a police report if recommended. 

Further investigation from Wells Fargo should reveal that the password change on XX/XX/XXXX was most likely from an IP address NOT in Idaho ( therefore not me ). They should be able to see that my account was breached prior to be even getting the phishing phone call XXXX minutes after my password was changed. 

I did not authorize these transactions, nor do I have any familiarity or business with the company " XXXX. ''
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (GA)

I lived there for 3 yrs and we like the apt but the change owner and we had XXXX there made us take it down i then i write them a letter say i am move to XXXX due to i had XXXX and i need my mom to take for me through the time i was go through treatment and while my husband worked. So see what i have to do to take this off my creditor
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS) (WV)

I would like to file a REPORT OR CLAIM, with : CHEX SYSTEMS. 
I ask them to tell me WHAT, THE ''LEIN '' was, & for what? They ask me to file ANOTHER FRAUD request. Despite me ASKING them to give me FROM WHOM & WHAT WAS THIS ABOUT ... ( NOT ONCE BUT XXXX NOW ) ; CHEX SYSTEMS DID ''NOT '' TELL ME WHAT THIS IS ABOUT? I do n't know what this is. They gave me a score of XXXX ... & I was DENIED to be added onto my wife 's Savings Account, for ''XXXX '', last month. 
IF THIS WAS ABOUT .... ( THE PARKING FEE FROM : XXXX XXXX, ... .THAT WAS MOVED TO : SMALL CLAIMS COURT ... ( CASE # : XXXX ), THAT WAS FILED BY : XXXX XXXX. XXXX XXXX ... ( XXXX XXXX POLICEMAN ) ... .CFPB ... 
Case number : XXXX ... ... ( BELOW ), RESPONSE FROM : XXXX. 
StatusCompany responded .... ( BLEOW ) : XXXX, XXXX .... ( XXXX, XXXX, XXXX XXXX ) said : Explanation of closureThank you for submitting your complaint on XXXX XXXX, 2015, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate you moved out of country and stayed there for almost 5 years and never used your credit during that time. You further indicate that when you arrived back to the states you tried to get bank loans and were surprised to find out you were being turned down for credit. You are disputing XXXX collection account that is for a cell phone. You state that is inaccurate as you were out of the country at the time the cell phone was purchased. You further state you paid it off anyway because they told you the email address they had was for your daughter. You also indicate there is a judgment on your report for a car that your daughter was using. You state you instructed her to pick the car up and she told you she did. Then you received a call to find out the car was abandoned at the airport. You told them to auction the car and pay off the balance and parking fees. You are requesting that the XXXX disputed items be removed from your report. You also state you have many addresses, names and SSN 's on your report but you did not specify which ones it is that you are disputing. 
The first collection item you mentioned did not appear on your current credit report. At your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. They responded and verified the disputed information was accurate as reported, however the judgment was changed from a civil claim to a " small claim ''. The result summary was sent to you for review on XXXX XXXX, 2015. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

I purchased my car on XX/XX/XXXX, US Auto Sales close without giving any notice, and sold my information to Westlake as a debt collector without a warranty on XX/XX/XXXX. I still make payment as if I still have a warranty with it but it's no warranty. They are rude and hassle to the customers. When I bought the car amount was XXXX on the car of the car but ended up with XXXX dollars. I have my original paperwork. They charge me XXXX on the vehicle with {$500.00} for infrastructure maintenance, XXXX  insurance {$790.00}, a Service contract of {$2300.00}, a Title fee of {$15.00}, registration fee of {$40.00} leaving with a total of A {$23000.00}. I put down XXXX and then deferred a down payment of {$860.00} with a total of {$2200.00} down payment. The annual percentage rate is 19.19 %, the finance charge is XXXX, the amount financed is XXXX, the total payment after all is paid is {$37000.00}, and the total sale is {$39000.00}. I pay {$250.00} a month for a XXXX XXXX XXXX with a blue book price of {$9400.00}. I didn't sign paperwork for this debt collector cause US Auto Sales closed and wasn't notice anything. They just sold my information and now the price I own is {$22000.00} for the car. The XXXX or XXXX XXXX  retail is 168 %. I have built XXXX, panic attacks, and XXXX because I need my car fixed with no a/c or heat in the car. So, we have to be in a car I pay about {$500.00} a month with my a/c, and it's hot in the car. I paid a lot of money down, I'm a single parent of XXXX  kids and don't have money to throw away. Can you please help?
Consumer complaint received 2023-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX is reporting inaccurate information on my credit report. I call the court and they told me they dont report Bankruptcy to the credit bureaus. All 3 bureaus is reporting fraud on my credit report and i would like these to be removed ASAP.
Consumer complaint received 2023-08-11
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. (GA)

I have no recognition of these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I began requesting my credit report primarily via XXXX XXXX XXXX in or around XX/XX/2023 which led to a few disputes and corrections required by the consumer reporting agency, Equifax. As a victim of identity theft, A few corrections were made as a result of this inquiry to my credit report. After wanting to review my report again, now through Equifax 's consumer website I was unable to complete the verification process and was prompted to call the Consumer Care line at the following number : ( XXXX ) EQUIFAX ( XXXX ) XXXX. On or around XX/XX/2023 I was unable to get a representative from Equifax by calling the Consumer Care number. Also, was unable to receive an updated report via XXXX XXXX XXXX. Later in XXXX, 2023 I call Equifax and after not being able to go through verification, and spending over 1 hour on the phone with customer service, I was not able to get my personal information. This is alarming as a consumer.
Consumer complaint received 2016-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I have paid an apartment complex directly on XXXX/XXXX/2011 and was given my receipt and a signed letter by the property manager stating that they received payment and my balance was XXXX. The company was changed management several times and lost paperwork and so forth and yet IT HAS NOT BEEN REMOVED FROM MY XXXX CREDIT CREDIT, WITH ABSOLUTE PROOF I PAID prior to it going to collections. THEY ARE DELIBERATELY NOT DOING THEIR JOB AND BREAKING THE LAWS THAT ARE IN PLACE FOR THE CONSUMER. I have disputed over and over again and they still have not did their job with irrefutable proof. I would not have a receipt or letter from the collection agency since the apartment complex was paid 5 years ago and was called XXXX XXXX. So therefor my receipt was given to me from the property manager of the complex I previously resided. I made a complaint to my XXXX XXXX as well as FTC.
Consumer complaint received 2023-08-11
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: DISCOVER BANK (NY)

I have a fraudulent accounts on my credit report, which I reported to DISCOVER BANK and XX/XX/XXXX yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they refused to do this. The following is the fraudulent account : DISCOVER BANK / XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (MD)

I applied for the XXXX XXXX program to assist me with my mortgage payments due to financial hardship. Since the application process took time, I become late on multiple months of payments. However, I was approved for the program and payment was made by the XXXX XXXX program on my behalf. The program helped to pay off the entire balance of funds due. I requested that since the XXXX application was approved, and the only really the payments were so late is because of the approval process timeline, that the negative remarks be removed from my credit report. I directly asked Rocket Mortgage, as well as, filed a claim with XXXX. I do not believe that the months that I was marked as late in payments should be put on my current report as I was approved for the XXXX program for those months. XXXX, XXXX, XXXX, and XXXX were all marked late.