davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Way XXXX, Fl XXXX XXXX WESTLAKE FINANCIAL COMPANY XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX DEAR WESTLAKE FINANCIAL COMPANY, I am writing to you today regarding my Auto Loan Account Opened On XXXX which I had while I was in a financial agreement with your company. The purpose of my correspondence is to see if you would be willing to make a goodwill adjustment on the reporting of this account to the three credit agencies. 
I take full responsibility for the payment and I Am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative tradeline associated with this account from my three credit reports. 

As soon as I became aware of the balance paid the balance in full. I provided this not to justify why the account was unpaid, but rather to show that the issue is not a good indicator of my actual credit worthiness. I hope that your company is willing to work with me on erasing this mark from my credit reports. I work like to STRESS that the information currently being reported IS accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do not recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it may choose from the credit report. Im hoping that you will do that in my case for this account. Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-03-16
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am working with Equifax and XXXX to resolve an issue with XXXX XXXX, the loan servicer who bought my student loan from XXXX XXXX in XX/XX/XXXX. 

I have been paying XXXX XXXX XXXX XXXX  monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my credit score has not improved despite my timely payments. After going back-and-forth with XXXX XXXX personally and filing disputes against them through Equifax and XXXX throughout XXXX, one of XXXX customer service agents finally disclosed the problem to me. 

XXXX XXXX has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. XXXX XXXX claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

XXXX XXXX applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from XXXX XXXX to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because XXXX XXXX added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. 

I believe XXXX XXXX wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with XXXX XXXX. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.
Consumer complaint received 2019-12-03
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 went to try to lease a car today XX/XX/19 and when they did the credit check I was told that I was not approved because there were some accounts reflecting badly on my credit report. None of those accounts belong to me. I suspect that they were opened by my aunt since she has the same name as me. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts. I did not make any payments or purchases with any of these accounts and I have never had any written/verbal contract with any of these companies. I have already gone to file a police report regarding these unauthorized accounts.
Consumer complaint received 2019-12-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion will not accept ( via phone ) confirmation that XXXX did NOT issue a hard credit inquiry on XX/XX/19 Transunion hung up on us several times ( myself and XXXX, and insisted that we, instead, file a police report and mail in a request to remove the XXXX  hard inquiry Here is a review of the conversations : XXXX XXXX I contacted XXXX  XXXX. XXXX confirmed they did NOT do a hard credit check based on my social security #. 
XXXX XXXX  The XXXX  agent called Transunion " XXXX '' on XXXX at XXXX. XXXX hung up on XXXX, then told me that I needed to contact XXXX  ( again? ) and get a letter of deletion, after XXXX agent already told XXXX there was no record of activity with my social security #. 

XXXX XXXX XXXX called back to confirm it was resolved over the phone. When I told XXXX that Transunion had not resolved it, XXXX tried calling Transunion three more times. Each time, the Transunion rep would not accept resolution over the phone with XXXX and hung up on Tmobile/myself. 
XXXX XXXX  Transunion agent XXXX hung up on XXXX/myself XXXX XXXX   Transunion Agent named XXXX. We can not file the dispute via the phone, it has to be done online. XXXX needs to provide a Letter of Deletion. A hard hit from Police Report from XXXX. Then take a copy of the police report, and authorization letter coming from me with the hard inquiry and the dates. Reason : Remove hard hit coming from XXXX. Separate paper, first/last name/mailing address, last 4 of my social and my file #. Mail to : Transunion. Then they will review it and it may take up to 5 business days to file the request.
Consumer complaint received 2022-01-21
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. (LA)

I am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XXXX XXXX, 2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report. Please direct them to conduct proper investigation and not purchase my data from 3rd party vendors such as XXXX XXXX or XXXX. I am in the process of filing a complaint to FTC and DOJ for these violations.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AZ)

Signed up Citibank Executive Mastercard and was promised XXXX miles if I spent {$5000.00} in the first three months. I met this requirement and the bonus miles were never deposited into my account. I have had six online chats with support agents and several promised the miles would be in my account in the next billing cycle, which never happens. I have also been hung up on several times when the agent panics and does not know what to do. 
I was eventually given an email address ( citi application offer issues ) to complain to and was told I would get a response in no more than 10 days. No one ever replied to my email.
Consumer complaint received 2022-01-11
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

There is a student loan which the agency ( XXXX ) listed as the source of the loan on the credit report indicated wasn't mine. Letter is attached. The letter gave specific instructions on how to clarify issue. Suddenly nearly XXXX showed up on my credit report. It needs to be removed.
Consumer complaint received 2022-01-11
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. (TX)

Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the 3 credit bureaus : XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.
Consumer complaint received 2022-01-11
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-10-10
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. (PA)

I sent an Identity theft report in the for of an affidavit via the federal governments website ( FTC ) VIA certidied mail. Equifax wrote me a letter in response stating that they would not block the information. Equifax also stated that they needed proof which I gave in the form of an official Identioty theft report for there mismanaged procedures. I am being violated of my rights as a Consumer and for there negligence of non compliance to my written instructions.
Consumer complaint received 2020-05-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicers LLC The company bought a loan from XXXX  XXXX XXXX and immediately started harassing me and trying to change the terms on the loan documents and agreements made with XXXX  XXXX XXXX. I have written letters and spoken to " agents '' who are rude trying to explain to them that I have a HELOC and do not have an escrow account. I have not had an escrow account in 20 years. I paid my taxes, late sometimes but I always paid them. XXXX  XXXX XXXX paid two years of taxes for me and told me they would add the amount on the back end to my balloon payment, trying to help me out. I was fine with that. As soon as Specialized Loan Servicers LLC took over they started pressuring me for the amount and sent a statement with monthly payment @ {$16000.00}. Then they took it off and I guess put it on the back end after I confronted them. Next they started saying I didn't have insurance and they did forced place insurance without giving me enough time to find insurance. They force placed insurance for @ {$8500.00} a year and set up an escrow. I found insurance 45 days later for {$2300.00} and I am paying payments. They sent a letter saying they would remove escrow but they didn't and upped my payments to include escrow for the 45 days and escrow for the {$2300.00} which I am paying directly. I continued to pay my monthly payments but they put them in a suspense account and refused to credit them as monthly payment and again put the {$16000.00} on the monthly payment which was now {$19000.00} for a deficiency in escrow. I have repeatedly told them I do not have an escrow account - never have and I am paying the insurance and will pay the taxes, even if late. They are now trying to foreclose in the middle of caronavirus pandemic. They have been trying everything to foreclose on my property since they got the loan. They think it's worth a million dollars which it is not because it needs lots of renovation bathrooms are from 70s and everything is old and run down. I see that you recently won a class action lawsuit against them. In forty years I have a XXXX  and deal with many banks and loan companies and this company is the worst I have ever experienced. They operate like criminals.
Consumer complaint received 2022-01-11
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. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION (LA)

I, coming in proper person, and as a consumer and natural person expressed A dispute and billing error notice that was sent to Alliant Credit Union on XX/XX/XXXX at XXXX hours regarding two items that was not what they were guaranteed to be by the seller/merchant, XXXX XXXX  XXXX The first disputed item was in the amount of XXXX USD charged on XX/XX/XXXX. The second disputed item from this merchant/seller was in the amount of XXXX USD also charged on XX/XX/XXXX. The total dispute was XXXX USD. On the initial attempt to dispute I was directed by Alliant Credit Union reps to attempt to work this issue out with the merchant. After reaching out and getting a response from the merchant stating that they were awaiting the fee schedule to return payment I forwarded this info to Alliant Credit Union Dispute Team @ email address : XXXX on XX/XX/XXXX @ XXXX hours. I received a response from that email @ XXXX hours on the same day stating " Thank you for your inquiry. We have received your email and it will be forwarded to a Chargeback Analyst for review. '' It has been almost 3 months and I have not been granted my reimbursement even with the founders of XXXX XXXX going public on social media expressing the intent refund alls consumers who purchased the items. The link to this public announcement was attached in the email sent to the Alliant Credit Union via XXXX.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Colony Brands, Inc. (AR)

So this is an old account but it has a lot of inaccuracies that will require it to be reported correctly and marked as good or deleted permanently from my report First XXXX has 1 reported date as good and a line of gray are thats nothing this is enough to delete this item Secondly XXXX  has 1 ok mark and rest blank that is enough to delete this item Thirdly XXXX  has 2 ok marks and gray areas Dates on all 3 are inconsistent thats enough to delete