davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (FL)

I went to purchase a vehicle at XXXX XXXX, I put XXXX down.I never signed papers when I came back to sign paperwork & get registration ect. They were shut down. Now I have a finance company that says i owe XXXX  /m 34 months sent me contract i didnt sign. They were got the car due to breaking down in the pound. Westlake financial.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Capital One Spark Business Visa Credit Card. I have an Acquaintance who owed me some money. She owns a Jewelry business and asked me if she could pay me back through credits as an expense to her jewelry business into the Capital One Credit Card. I did not see any harm and she made multiple payments. All of a sudden Capital One believed that these payments were fraudulent. I was out of the country when my credit card stopped working. The caused incredible problems and stress for me. I do not know anything about whether the credits were valid or not but she did provide a XXXX  XXXX XXXX statement that showed the transfer from that account to Capital One. They placed a restriction on my account. That resulted in their returning all my auto payments for phone, utilities, etc. which was devastating because I was in XXXX. This also has impacted my credit and resulted in incredible stress. 
Approximately, a week later when I returned to the US I transferred {$30000.00} to bring the balance within my credit line, and then paid the rest of the balance. I currently owe Capital One nothing. However, they have continued the restriction and continue returning my auto payments. In addition they will not give my access to my XXXX points which is worth $ XXXX. They say that the restriction will stay until they are able to verify my acquaintance 's ownership of that account. I am trying but I have no way to do that. Therefore, they have effectively stolen $ XXXX from me. 
I did not make the payments. I have repaid every dollar of the payments that were made. Capital One has been paid in full. I can't verify the ownership of the accounts. I have called multiple times and there is no one I can talk to who can resolve this.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identit y theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) tha t I have made. It is the result of identity theft.
Consumer complaint received 2022-04-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

I rented a car from XXXX XXXX. It was for two weeks in XXXX while in XXXX. 
I checked the car back in. And later found that they had billed my credit card a larger amount under XXXX instead of XXXX 
The rental agreement was with XXXX. And it was for a lesser amount. 
I have disputed this with my bank. And file a claim. And XXXX. Continues. To bill me. Saying it's a legit charge, but I never signed anything with XXXX. 
Every time I call the corporate Office for XXXXt and XXXX, I get told the systems are down or they can't help me and it takes up to 30 days to hear back and it has now been almost 60 days and I still have no resolution. 
My bank chase has not been helpful in this situation either. 
Enclosed is a copy my original rental agreement, which is all I wanted to rent. 
{$430.00} is the original agreement and price.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, Transunion, XXXX, and XXXX has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

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. States that a consumer reporting agency can not furnish a account without MY written consent.

15 U.S.C 1681A section 2. States, The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

These items do NOT belong on my credit report : -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXX XXXX Fort XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX apt XXXX XXXX Fl XXXX -Address XXXX XXXX ct XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-21
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. (NM)

I am currently in the process of obtaining a loan in order to buy a house. Per my mortgage company, they are unable to access my third credit score and suggested I contact Equifax to fix the problem. On XX/XX/2021 I spoke to an Equifax representative and was asked to provide both my social security card and driver 's license so my identify could be validated. On XX/XX/2021 I faxed these documents to Equifax. On XX/XX/2021 I spoke to my mortgage company and was told that my third credit score was still inaccessible. That same night I called Equifax and told them about my problem and was met with the same response : provide your social security card and driver 's license. I explained to the representative that I have already done this once so he suggested that I do it again and include my e-mail address in the cover letter so they could notify me once the documents were received and the problem was corrected. On XX/XX/2021 I faxed the documents to Equifax for a second time. On XX/XX/2021 both myself and my mortgage loan officer called Equifax together to see if the problem was rectified, but we were told the same thing ( provide the documents ). That night we spent 3 hours on the phone but kept getting told the same thing even though we explained that I already provided the documents twice ; we even got hung up on a couple of times. On XX/XX/2021 both myself and my mortgage loan officer called Equifax once again and we were still told to provide the necessary documents. We requested to speak to a supervisor and once we were connected, I was told that my mortgage loan officer was not permitted to stay on the line despite me wanting her on the call. I explained to the Equifax supervisor all of the trouble I have been encountering and he suggested that I fax over the documents again but to a new fax number. I asked him how I would know the problem was taken care of as I keep getting told that if I fax the documents, my problem would be resolved. He told me that the fax number he provided is to the highest department and that my request would be expedited. I was also told that my request would be processed and completed within 24 to 48 hours. That same day ( XX/XX/2021 ) I faxed both my social security card and driver 's license for a third time to Equifax, but to the new number the supervisor suggested. My mortgage loan officer also urged me to mail a hard copy of these documents just in case and this will be completed on XX/XX/2021 via certified mail.
Consumer complaint received 2019-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I have on multiple occasions called and spoke with the CSRs as Ditech Financial regarding my extra payments to go to principle only. I have included the memo on the checks and have asked them to add it to the account. I sent in 2 checks this month XX/XX/19 for XXXX and on XXXX for XXXX. Instead of applying the extra towards principle as requested they applied it to the escrow account and next months payment instead. I would highly recommend anyone thinking of getting a mortgage from Ditech to think again, they are by far the worst customer service I have ever had to deal with. I continually get letters from them saying they are looking into an issue I messaged them about 2 months ago over the same issue. I will for the 4th time call them and ask them to put the funds in the proper account.
Consumer complaint received 2022-08-24
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. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies ( XXXX, Equifax, XXXX, XXXXXXXX XXXX  ) stated that these accounts were properly investigated and came back as verified. However, how could this be true when there are several inaccuracies showing on my consumer report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Alleged Account Name : XXXXXXXX XXXX XXXX  XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXX XXXX XXXXXXXXXXXX XXXX  Alleged Account Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NJ)

XXXX XXXX It was 3rd time talking ( 1 ; 30min/over the phone ) with them " apple credit card suport '', second time they said payment went throug so i closed account. 
after few days i received email that it didnt i call them again.she said payment didnt go through, i paid again.today i was checking my credit report, and i saw that the amount {$310.00} was still there.so i texted they said you didnt pay, after i prove to them with facts that i did and i got this response after more than 1h texting my credit report is fair, so please do something i have to renew the lease
Consumer complaint received 2019-04-13
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. (SC)

I have reported XXXX to Equifax, XXXX, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XX/XX/2018-present. I have even sent validation letters to XXXX and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.
Consumer complaint received 2019-04-13
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. (NV)

We shopped for a new second mortgage for our condo in XXXX through XXXX XXXX. We accepted an offer from XXXX XXXX and received the paperwork. Despite requesting a second mortgage, I was sent paperwork for a HELOC instead. Not intending to tap into the line of credit, we signed the documents. 

Later, as housing prices continued to plummet, our financial advisor recommended we complete a short sale. Unbeknownst to us, HELOCs do not go away in a short sale situation, so we were stuck with making an agreement with XXXX XXXX for the full amount of the HELOC value - they literally would not negotiate a lower rate XXXX XXXX. We were advised to accept, and attempt to re-negotiate the amount at a later time. We completed the short sale of the condo in fall of XXXX. 

Three years later, after much failed negotiation, we settled on an amount to settle the debt. After three payments, we received a letter from the bank 's law firm, confirming satisfaction of the debt, showing the full amount paid. A few months later I checked our credit, and found XXXX XXXX had reported the loan as a " write off, '' meaning the debt was never paid. I filed a discrepancy with the credit bureau to correct the record. When the credit agency contacted XXXX XXXX to verify this change, they replied, " No, the write off is correct. '' This fraudulent record has caused serious damage to my credit score since its appearance on my record in XXXX. I wish to have this record removed from my credit, and if possible, punish XXXX XXXX for a fraudulent filing on my report.
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

I'm complaining about Lexington law firm for deceptive marking practices and for illegal billing and for attorney misrepresenting and for malpractice against my ex wife XXXX XXXX, XXXX XXXX. I hired my ex not knowing who she was. On XX/XX/2021 and then after the phone call was over I was billed. Before anything was completed they texted me from about 7 different numbers trying to confuse me. So after I hired my ex. J recieved another text from Lexington law Firm. My ex wife has alot to do with all of this. They would use other law firms to help Lexington law firm confuse me.
Consumer complaint received 2019-04-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VW Credit, Inc (OH)

On XX/XX/XXXX, without notice, a violent Volkswagen credit XXXXXXXX entered my home, attacked my children, and stole my XXXX XXXX. At this time, my family was facing XXXX retaliation which I shared with VW Credit as well. Also, I always said I would pay for everything that I owe to VW. Moreover, VW Credit XXXX attacked and stole my car when XXXX and XXXX retaliation case was going on in the federal government. 

XX/XX/XXXX : Without notice, a violent VW credit XXXX entered my home, attacked my children, and stole my car away. I also called the police. 

Volkswagen cheated me and sold me an emission car ( XXXX XXXX )? I have an emission recall statement, VW credit stole my car on XX/XX/XXXX. Then, after depreciating the car for six long months, VW credit claimed that it had sold the stolen car. Based on what happened on XX/XX/XXXX, everyone says it is stolen. 

XX/XX/XXXX : I wrote a letter to XXXX XXXX XXXXXXXX asking for the explanation on why they attacked my children and stole my car. I have not received any response to my questions from VW Credit yet. 

XX/XX/XXXX : I get a bill from XXXX XXXX, a collection agency demanding me to pay {$6100.00} for the automotive deficiency. 

On XX/XX/XXXX, without notice, a violent Volkswagen credit XXXX entered my home, attacked my children, and stole my car away. After six months, they sold my car and now asking me to pay {$6100.00}. 

VW Credit does not respond to me. VW Credit is using their influence and covering up their crimes. I want my car and compensation for my losses. 

Sincerely, XXXX XXXX P.S. There is no option for a lender stealing a car and attacking children in the form, so I selected repossession as the option.
Consumer complaint received 2019-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

My income driven payments were increased in fall XXXX. I tried to apply to a program with lower payments, but was instead given a higher income driven payment. Despite the application online which stated that I would be placed on the plan with the lowest monthly payment. In XX/XX/XXXX, there was still uncertainty about my amount due. As such, I paid the amount on the bill, And rounded up by four cents To make an even amount. In XX/XX/XXXX, I paid the amount that the automated system said was due. I was later told that I was past due four cents. I asked why and how to pay the four cents, but was never given info. A month or so later, I was finally told the payment was short, because the automated system was incorrect because I had rounded up the previous month. I was never Told not to round up payments. I also relied on the information they provided me in XX/XX/XXXX. Im now being told my payment wont count for Public Service forgiveness because of the four cents. I was told by an ombuds I cant ever round up for PSLF payments by an ombuds. I was also told this happens often and that their automated system is often incorrect. I was told the department of education must now make an exception to count my payment for that month, but they do not ever do so.
Consumer complaint received 2022-01-08
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: CITIBANK, N.A. (NJ)

I noticed multiple inquiries from different companies, I do not recognize. Also, I haven't authorized for them to use my information, and I would like them to be remove.
Consumer complaint received 2022-08-11
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: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

Fraudulent accounts : XXXX XXXX Open Date XX/XX/XXXX Balance : {$6200.00} and XXXX ( Original Creditor XXXX  ) XXXX Date Opened XX/XX/XXXX Balance {$120.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My identity was stolen so I've filled out a police report and FTC report for you all to review and get these accounts removed from my profile. I would like to have this information " blocked '' from my credit reports so I can get my life back on track. That would be amazing. 

Best,
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITY NATIONAL BANK (CA)

CNB VISA # XXXX On XX/XX/XXXX, a letter was sent out to me that, effective XX/XX/XXXX, my VISA # XXXX at the City National Bank would be closed, and effective immediately, my credit line at the bank is being reduced from {$20000.00} to {$18000.00}. There was no clear reason mentioned on that notice, only that the bank is exiting out of the banking relationship. I am filing this complaint to get more clarification as to why the City National Bank has decided to pursue this action, and if their decision has been influenced by their parent XXXX company, i.e., XXXX, or is this a decision solely made by XXXX and CNB is just following orders? 

My credit account is in good standing, has been paid on time every time, and the credit account was granted to me based on my good credit history in the US, my credit application had nothing to do with the XXXXXXXX XXXX, and if, or at some point, I ended up having a conflict with their parent company XXXX in XXXX, should not affect my credit standing and accounts at an independent subsidiary in the US. The reason I have the belief that XXXX in XXXX is the one making this decision, and not CNB, is that on that exact same date, i.e., XX/XX/XXXX, my accounts at the XXXX bank XXXX had also been scheduled to be closed, due to the conflict that arose with the bank ( the XXXX bank decided to freeze my accounts for no reason, and after a legal challenge, they were forced to release the funds ). 

I would like to let bygones be bygones and continue my banking relationship with CNB, which is an independent US bank, regulated by an entirely different sets of rules and regulations. If there is any chance that the bank could revert the adverse credit action they have taken against me, increase my limit back to the original {$20000.00} and stop the closing of the an account in good standing, I would appreciate it. If the bank still is staying with the decision to close my credit card account, please provide me with a clear reason. 

Thank you for your time and consideration. 

-XXXX XXXXXXXX