davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (CO)

I have a do not call on file with Westlake Financial Services. I paid my XXXX payment on XX/XX/2020 at XXXX. Westlake called me at XXXX REFUSING to give their company name and said they needed to talk to me. I repeatedly asked who it is and the guy REFUSED to tell me the company name. After XXXX  the number I found out it is Westlake Financial Services. I am on their DO NOT CALL list, which I have it in writing. They can email me which I have received communications. Not working f/t because of COVID-19 only 20 hours a week has messed up my income. Then more collection calls to my cell phone -another violation-, of where the payment is and a {$30.00} late fee, which they refused to take off. I am not working full time people and need to pay rent and food. I have filed a complaint with the XXXX XXXX XXXX for the late fee. TELL THEM NOT TO CALL ME. EMAIL IS WORKING PERFECTLY.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (KS)

On XXXX/XXXX/2015, I attempted to access my credit bureau with Equifax due to an identity theft issue. Specifically, I wanted to make sure they still have a credit freeze on my bureau, and if an account had been opened in my name, I would need to dispute it. While I was able to access my bureaus with XXXX and XXXX, Equifax stated I would need to send in a copy of my driver 's license and social security card, because the information verified did not match my file. I know what I entered was accurate, and I believe they just are not willing to provide it. I 've had this problem before with them. 
Thanks for your help.
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

I attempted to obtain my free annual credit report through XXXX. I was told that there was insufficient information to obtain my score online, and that I had to mail in a paper form ( XXXX ). 

I mailed in that paper form, requesting reports from all three credit reporting companies, on XXXX/XXXX/16. I have since heard back from XXXX and XXXX, so I know the form was received, but have not received any response from Equifax.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

As part of the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), a letter was sent certified mail on XXXX XXXX, to Equifax, requesting the following information, and to date - Equifax has failed to comply. 

1. With the procedure that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX, in XXXX. The Business Name and address contacted for this dispute, ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX to Equifax in XXXX. The Telephone Number that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX in XXXX. With the procedure that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX, in XXXX. The Business Name and address contacted for this dispute, ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX to Equifax in XXXX. The Telephone Number that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX in XXXX. I am due a new and updated Credit Report, at the closure of each dispute item. 

I also have no updated Credit Report, and as per the same act - Equifax is mandated to supply XXXX to me and has not. 

Attached is the letter sent to Equifax on XXXX XXXX, 2015.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I have filed a dispute regarding a Judgement that is being reported by all XXXX credit reporting companies as unsatified, whereas, the court docket shows that the judgement has been satified. This is the XXXX time I have filed a dispute and the XXXX previous times they credit reporting companies provide a final response stating the current status was reporting correctly.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

Equifax has indicated that the account is set to closed, and it is not. 

This is at least, the 4th complaint regarding the closure of a tradeline in my credit report. 
In complaint XXXX, EQ indicated that the account was closed, but it is not. I believe this is willful violation, because reasonable and then exceptional proof has been supplied to thic CRA - and with no reasonable action taken on their part. 

The activity Designator, still - has the NA value when it should not. This account was closed by me - months ago. 

Another sample of a " Closed '' account, from my report - with the corrrect designator is supplied. 

N/A, means not applicable -For this field, all tradelines that are not open, then requires this field to be applicable. 
My Credit report from Today, XXXX XXXX is attached, as well as the original screen shots from the 1st, 2nd, 3rd and now fourth complaint. 

Please close the account, and please correct the Activity designator to " CLOSED '' - Willfully violate obligations under the FCRA, ( Basic Damages or actual ( provable ) damages ( no limit ), or statutory damages ) Complaint # 4
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint against Experian Credit Reporting Agency for failure to comply with the Federal Regulations. After realizing that my credit has been damaged by the city of XXXX, I went straight to the city to find out the problem. Being there, they asked for my Drivers ' License what I gave them, but they were unable to find any information related to me and they asked me to send a dispute to Experian and have them remove it. I already sent about XXXX disputes letters to Experian since XXXX 2016 with proof that those XXXX accounts do n't belong to me and experian failed to provide me with viable information that those accounts belong to me. I asked experian several times to remove those items from my credit report and each time the send me a response, it 's to tell me that those items have been verified. Realizing that eexperian is acting in bad faith just to protect his interest, i am taking a liberty to report this situation to the FTC to resolve this issue. I have suffered enough with this credit damage. I ca n't refinance my loan, ca n't do nothing with this credit damage. You 'll find attached a credit report with those items, a copy of my drivers license, a copy of my US passport and a copy of the letter from the city of XXXX, bearing the name used to damage my credit.
Consumer complaint received 2021-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (MD)

From XX/XX/XXXX through XX/XX/2021. Someone has illegally taken about {$11000.00} from my Key Bank bank account. I notice that all of the money on my card was missing mid XXXX. I called the bank and someone had taken {$500.00} out of my account XXXX times. I have never authorized these transactions. 

The day someone started to remove money from my account I was traveling to XXXX. My Key bank card stopped working. I called key bank from the airport to let them know that the card was not working. They said that everything was fine. After speaking with a person from the bank I notice that XX/XX/XXXX is the day where the money started being taken from my account. I was traveling that day and believe that someone at the airport stole my identity or card information. 

I filed a dispute and the bank denied my case. The continue to say that I authorized the transactions. This is not true. I sent a letter to re open the case and escalate it. In the letter I sent information about the police report that I filed. I also sent a letter on the organization that I was in XXXX with XXXX through XXXX. They denied the request to reopen the case. Now Im looking for an attorney to help me get my money back. 

I have no idea where the money was sent or who it went to. Key bank has not given me details about how they proved that I authorized these XXXX transactions.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

Experian credit reporting agency repeatedly adds my son XXXX XXXX to my credit reports every time they do an inquiry on myself XXXX XXXX. My social security number is XXXX. My son XXXX XXXX 's social security number is XXXX. We have different addresses ; My address is XXXX XXXX XXXX XXXX. XXXX XXXX NY. My son 's address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. With different ssn 's and addresses, I do not know way Experian can not get things right. On my last personal credit report # XXXX sent to me by Experian on XXXX XXXX, 2016 which included XXXX pages, Experian listed 19 ( nineteen ) incorrect credit information listings, on that report, that DO NOT apply to me, at all, but they do apply to my son XXXX XXXX. Pages XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX all have 1 ( one ) incorrect credit information listing that DO NOT apply to me, at all!!! Pages XXXX ; XXXX ; XXXX ; and XXXX all have 2 ( two ) incorrect listings that DO NOT apply to me, at all!! And page XXXX has 4 ( four ) address identification numbers that DO NOT and never have applied to me XXXX XXXX XXXX. There are an additional 6 ( six ) addresses listed that DO NOT and never have applied to me XXXX XXXX XXXX, which makes XXXX definate mistakes made on my credit report by Experian. I would like to make a fervent request that You see to it that Experian Credit Reporting corrects ( deletes ) all the misinformation that they repeated list on my credit report, so that a fair and honest report goes out to all creditors on my behalf. XXXX Bless You and Thank You for looking into this serious matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX or XXXX
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them since I have written several letters in the past and did not have this issue come up. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

on XX/XX/XXXX the collection company " XXXX '' was removed from my credit report due to a credit dispute that i initiated. Upon looking over my credit report XX/XX/XXXX I have noticed that the collection was placed back on my credit report by Equifax without any notice to me at all of the collection be placed or going to be placed back on my credit report.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

on XXXX/XXXX/2016 I filed a dispute with Equifax credit reporting agency over an item XXXX company inaccurately reporting on my credit report and I asked that the item be removed if the company is not going accurately report it. that was not done in fact the company did not respond at all and in fact Equifax gave them an extra week to respond and instead of following my request Equifax decided to update it on their own and not remove it as requested. the law states that if the creditor does not respond in allotted time which is 30 days and 21 days in Maine the item shall be removed from the credit report. Equifax did not do that, when I called and confronted them about the error they looked over my account and refused to remove the item saying they updated instead. which by law they can not do, they have to follow the law.
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

I have XXXX inquiries on my credit report, and several of those reports I did not authorize. Equifax has given me a false response stating that these inquiries were factual. There is no record of a signed application from me, nor a copy of my drivers license or State ID, Also I would like these items removed from my credit report. But Equifax is requesting more information or documentation. Please assist me. it states also -- *** Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX KS XXXX this does not tell me that the company validated the inquiry on my account. Now I have to take extra steps to have Equifax remove the items from my account, by going to the company directly,. this is not factual not legal..
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MI)

Received a letter from Transworld Systems which claimed I was delinquent in paying the XXXX XXXX of XXXX. As I had never received a bill from the XXXX XXXX and was not aware that I owed money for any goods or services I contacted XXXX who said that no bills had ever been sent to me and that Transworld was contracted to help their billing office send bills on open accounts. XXXX XXXX verified that my account was not delinquent as I had never been asked to make payment. In spite of this, Transworld claimed I was delinquent on my account which was untrue. Further, Transworld employee, XXXX XXXX, was rude and refused to answer my questions concerning Transworld 's relationship with XXXX XXXX and refused to acknowledge that there was not a delinquent debt.
Consumer complaint received 2021-11-25
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. (CT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AZ)

I am writing about Equifax. I disputed a loan from XXXX a few years ago. The account was removed from my credit file. Recently I discovered that Equifax had put the XXXX account back on my credit report. This is not right. I did my due diligence in providing documentation to have this account removed. My student loans were discharged after my XXXX. This issue is causing problems getting into a home, and other issues. I can not wait for this to fall off after 10 years. I may not even be alive. I will again provide the documentation about this loan.
Consumer complaint received 2016-07-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (NV)

on XXXX/XXXX/2013 I made a {$20000.00} payment to Ket Bank against my principle balance. After making the payment I confirm by phone with Key Bank that the payment would be applied to the principal only! I later found that they applied it to future payments - collecting a years worth of payments and interest in advance. I also feel they collected double interest for more than a year before their indiscretion was discovered. Now that this loan is paid in full ( and then some ) Key Bank refuses to refund me any and all overpayments made against this loan.
Consumer complaint received 2015-08-13
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: High Point Asset Inc (FL)

Repeated calls to my mobile number stating that I am a person of interest and they need to locate me to take a statement. Prior tactics included telling me that I would be served at home and at work by a certain date and time by a processor. Accusations of fraudulent checks for a debt I can not even verity I owe because prior discussion with company resulted in their representative refusing to give me information on the debt, becoming verbally abusive and then hanging up on me.
Consumer complaint received 2016-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I have my property at XXXX, Georigia - XXXX. My loan is with Nationstar Mortgage LLc., I have reached 78 % of LTV on my loan on XXXX XXXX, XXXX. As per 'Home Owners Protection Act '' of XXXX, Nationstar Mortgage LLc., has to automatically terminate collection of PMI which is private Mortgage Insurance from XXXX XXXX, XXXX onwards. They are still collecting XXXX dollars every month knowing full that as per the Act they will have to refund. I took the matter to XXXX and they are not removing and say the principal balance to reach 78 % is XXXX XXXX, XXXX and when I reach the Principal balance of 78 % on XXXX of this year, XXXX, they will not remove even though I have reached the 78 % LTV one year before and they treat the earlier reaching as early removal and as borrower requested PMI removal at 80 %. I want the PMI to be automatically removed since I reached 78 %. My loan account number with them is XXXX.
Consumer complaint received 2015-11-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: GMA Investments, LLC (TX)

I received a call today from an aggressive collector at Summit Receivables regarding a payday loan he advised I obtained in 2009. I did not recall anything related to what he was talking about. He advised if I did n't have the {$1100.00} today they would move the file to the legal department for asset and income verification. He then asked me if I have ever been sued before. I asked if that was what he was going to do. He repeated the question. When I advised I had to go as I was at work he then yelled " Stop being a degenerate and pay your bill ''. I advised him this was an FDCPA violation and he then said " No, it 's not '' and then hung up.
Consumer complaint received 2017-02-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BB&T CORPORATION (TX)

After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.