davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (TX)

Admittedly the last few months with XXXX my payment was late several days, when I would contact them before the due date, day of or after the agents said there was nothing they could do, " give it a few days and call back '' when I was closer to the date the payment could be made. The harassing phone calls 5-8 times a day would begin the day following the due date and continue until the payment processed. Those calls continued even after I paid off the loan XX/XX/XXXX. The company had yet to update the credit bureaus and has further damaged my credit by remaining open with unpaid balances, and because of this I was denied a loan that would have allowed me to pay off my credit cards and move in to an apartment, specifically because I already showed two open auto loans. Although I am eager to get my report updated, I'm filing this complaint because they refuse to tell me when they send updates to credit bureaus or even who I can contact within their company for that information. I emailed the company XX/XX/XXXX and did not receive a response. Tonight, XX/XX/XXXX I called " customer service '' and at first was told to " give it a few days '', when I said that was not acceptable and wanted to know how often or when it would be updated, the agent hung up on me. I called back, spoke to another agent, he said they send updates monthly but he has no idea when. I replied that it has been almost two months and asked who did have that information, he hung up on me. Both times they had the nerve to send me to a survey to rate their service. I just want to be rid of this company.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX has a policy to update credit reports mid cycle if an individual 's balance has large increases. They do this for one reason, to harm consumers by lowering their credit score creating more opportunities for lenders to charge higher interest rates. I have over a year of credit reports as proof including what I am attaching to this email. 
The following attachments will show that : XXXX XXXX XXXX reports my account on the XXXX of each month Balance reported on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX On XX/XX/XXXX XXXX XXXX reported my balance of ( XXXX ) XXXX XXXX XXXX XXXX for reasons unknown to me and just 4 days after reporting my XXXX balance, re -reported the increased balance adding additional fees of {$1000.00} Does XXXX XXXX XXXX bank routinely furnish updated balances mid cycle or more than once per month or is there a personal reason why they did with my account? 
Whatever their reason is reporting mid cycle with my account, is this policy indiscriminate with all card holders? 

I am not asking for the deletion of the line of credit or balance I am asking for the balance as of the date the initially reported to be updated correctly which was the balance reported on XX/XX/XXXX. By removing all information would stil be deliberately furnishing inaccurate information. 
Whatever the reason or policy is, I am sure the CEO of XXXX XXXX XXXX XXXX Mr.XXXX. is aware and signed off therefore, if this is a violation, discrimination or other bad behavoir, Mr. XXXX XXXX is personally responsible. 
This information will be shared on social media, along with a complaint through the CFPB
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TX)

My debit card wasnt delivered, and it has been sent since XX/XX/2020, I have been waiting for my card but seems they didnt send it all. 

I will so much appreciate if you could get me their direct contact. 
XXXX XXXX For Tennessee XXXX
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Levy & Associates, LLC (OH)

This regards Complaint # XXXX which was filed earlier this year regaring XXXX, Ohio-based law firm Levy & Associates. 

Due to the fact that their client, XXXX XXXX XXXX actually issued a lower settlement amount ( attached ) AFTER the " bill of sale '' that was presented in Court, I did, in writing, asked to be shown the actual amount the Plaintiff paid for this " debt '' -- I believe that is an actual right/law. They declined to do this during Discovery ( attached ). 

At issue : The Plaintiff intentionally and willingly purchased " bad-debt '' in the secondary debt market -- Debt that we all know was written-off and " credit given '' by the loan originator by the IRS. 

So -- if a debt collector decidees to sue consumer for " x number of dollars '', this amount should be made available and should be TRANSPARENT so that we can all see what is going on. How much did XXXX XXXX XXXX pay for MY " default ''? -- Because Prosper already received a credit/ '' right-off '' from the IRS . 

Everyone, including the IRS knows what the amount of the " default '' was. This is not the amount that is now owed to an opportunistic party who is attempting to profit from an economically vulnerable consumer. 

As previously stated, given the poor record-keeping and the obscure nature of the secondary debt market, it is not right and should be illegal to sue someone for an amount you did NOT pay ... ... and if you " did '', and this person is still in economic despair, then this amount should be considered for a " right-off '' on their business expenses. To bring additional economic harm to already vulnerable consumers should be make illegal. 

Thank you.
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

XX/XX/2021 {$350.00} was sent from my banking app via Wells Fargo to XXXX XXXX XXXX XXXX for a service animal. I am on XXXX XXXX and need the support of an animal during my daily life. As soon as XXXX confirmed the amount was deposited she refused to provide me with the animal aka what I had paid for. My bank is stating that it is not responsible for the fraudulant transaction and to contact XXXX and XXXX is not responding to my note sent via email. This is through my banking app but not protected by my bank of 14 years?!? This lack of attention is a HUGE concern! 
XXXX XXXX XXXX Thank you for helping me during this uncertain and fragile time we are going through.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

In XX/XX/XXXX I co-signed a private loan for my son. It was required because he was a dependent student. Payment was initiated by me on about XX/XX/XXXX. At this time he had graduated. I continued those payments until about XX/XX/XXXX. 

At that time he updated my credit record to show that loan was initiated in XXXX. Contact was made with all parties that I thought would be able to help me clear up the data. I contacted the Credit Bureau and the response was that XXXX claimed the report without showing that they performed any research to confirm. 

This occurred a few months after XXXX XXXX split up and separated Federal and Private loan agencies. 

With no where else to go I found a lawyer that would take on my case. As this also involved my son, the lawyer added him as a plaintiff. XXXX dragged out the process in the court system for about 3 years. As I had lost confidence in our legal team, finally I decided to drop the case without prejudice.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A fraudulent utility account appeared in collection on my credit report. I did not notice the issue until XX/XX/XXXX even though the account was opened in XX/XX/XXXX.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID XXXX  OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT TO FEDERAL AGENCIES I XXXX VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-28
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: TD BANK US HOLDING COMPANY (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXXXXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXXXXXX XXXX XXXX XXXXXXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, TD AUTO FINANCE add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent a dispute to XXXX  on XX/XX/XXXX and have gotten any response from the company and these inaccuracies are seriously harming my credit with my Credit score being XXXX. 

XXXX Account # XXXX This account is inaccurately reporting multiple different information across all three credit bureaus. 

Equifax - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$1100.00} on XX/XX/XXXX. 
Payment Status Late 120 days with account rating Open XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$28000.00} with the date of last payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed These are not small inaccuracies and are causing some serious harm to my credit score when you are reporting a much higher past due and balanced owed and no correct payments. My credit score is XXXX  with your company and now I know why? 

This account is inaccurate and needs to be deleted immediately. 

XXXX  XXXX  XXXX XXXX Balance {$690.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

The Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately. 

XXXX  XXXX  XXXX XXXX Balance {$1000.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately.
Consumer complaint received 2021-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (CA)

I have a serious issue with AMERICREDIT/GM FINANCIAL. Account information : Account # XXXX, Date opened : XX/XX/XXXX, original balance {$4100.00}. 

GM failed to provide notice of outstanding lease amount, I pre-paid entire lease in XX/XX/XXXX, turned vehicle in to dealer in XXXX, and gave the dealer my updated address. No notices were sent and 6 months later I find a charge-off on my credit without any calls or emails sent to me. 

GM told me to pay and this wont affect my credit. I paid right away and yet the account still shows on my report. 

GM Financial is also reporting inconsistently across the 3 bureaus and they failed to provide me with notice of adverse information insertion as required by the California Civil Code. 

MY DEMAND IS THE DELETION OF CHARGE-OFF FROM ALL 3 CREDIT BUREAUS, FOR BOTH MINE AND MY PARTNER XXXX XXXX. 

I have been through a lot with this problem and I deserve a fair solution. This issue is affecting me emotionally and financially. 

Please send the attachment to the company. 

Thank you.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

I settled several accounts that was sent to collection. I informed these creditors that my spouse open this account without my knowing however, I was willing to settle with them if they can remove and delete derogatory records from my credit report. They said yes and promised to send me a letter in the mail. The letter never came in the mail and my settlement payments were made. I hope to start XXXX school in 6 months and need private loan to fund my education. Please I needs these derogatory records from my credit report in good faith. I completely paid the amount they agreed on and I was looking forward for a second chance.
Consumer complaint received 2021-01-27
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

In response to my last complaint, this morning I received a voicemail from a person by the name of XXXX XXXX inviting me to call her at my earliest convenience. I did so at XXXX PST today ( XX/XX/2021 ) but the number she gave me was the general customer service number. 
That meant waiting in a queue for half hour to get to speak to somebody. When someone finally picked up, I had to get verified. After I was verified, I had to tell her to transfer me to Ms. XXXX. The representative spent 5 minutes searching for her in the directory. When she finally transferred me, the call went directly to a voicemail with two options : 1 ) make an appointment, 2 ) leave a message. I chose " make an appointment '' only to hear a recorded message informing me that no appointment could be made at this time. 
Is this how Community Loan Servicing addresses their customers ' calls for help? I am in a dire situation trying to save my building and my livelihood, and they refuse to do something as simple as giving me a number for a direct contact. 
Once again, I spent time and emotional energy trying to be a responsible homeowner only to be sandbagged by this institution 's continued internal disfunction. 
Please help me sort this through because they are clearly not interested in helping me.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am notifying the FTC and CFPB that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Phone or Utility I have also experienced the following problems as a result of the identity theft : * Civil suit filed or judgment entered against me. 
* Denied credit or other financial services. 
* Denied employment or loss of job. 
* Harassed by debt collector or creditor. 
In addition, I have lost 8 hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services.

I have no information regarding the identity thief.

I have contacted the following credit bureau ( s ) : XXXX, XXXX  and TransUnion : * regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
I have had the following problems with XXXX, XXXX XXXX TransUnion : I have submitted documentation and was told several times on several calls that they never received documentation in order to remove these harmful inquiries
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

some one used my credit information without my permission, bad debt that does not belongs to me is been reported to my credit file, and i am trying to have them removed so i can have my credit standing back.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Flatonia Investments, LLC (VT)

Lost job XX/XX/XXXX, behind on mortgage, mortgage refused to work it out. Hired lawyer, he worked with bank lawyer. XX/XX/XXXX I signed the property back to the bank. XX/XX/XXXX judge signed off on it. Told I owed Nothing per the agreement. To date mortgage company reporting to credit bureaus. Credit further damaged from inaccurate reporting. I no longer own the property. Now the town is trying to collect monies the mortgage company failed to pay. They also failed to change the land records.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I had received Members Special Offer from XXXX XXXX XXXX XXXX ( which I am a Member ) to APPLY for XXXX XXXX XXXX XXXX MasterCard and qualify for up to XXXX Points ( Equals FREE ROUND-TRIP TRAVEL XXXX ) among other benefits before XX/XX/2021. 

For about 5 exhausting days ( since XX/XX/2021 ) of NUMEROUS calls, I was DIRECTED to Bank of America, to APPLY for the Offer. For 5 days, Bank of America, persisted in DENYING my Application stating such offer does not exist, or, no longer Valid As luck would have it, on XX/XX/2021 I called Bank of America, AGAIN, ( as I was instructed by XXXX XXXX XXXX and was directed to one of their Credit Cards Processing Specialists, who sounded competent and very knowledgeable. After I provided her with my XXXX XXXX XXXX XXXX Membership No : the Bank of America Credit Specialist SURPRISINGLY found my VALID OFFER and went into processing my APPLICATION.. 
AFTER about 30 minutes of Questions, Answers and Verifications, Bank of America XXXX XXXX XXXX XXXX declared Congratulations, you have been approved for {$50000.00} I thanked her and hanged up. 

Astonishingly and ODDLY enough, the next day XX/XX/2021 I Found an Email from Bank of America stating Were sorry-we cant approve your request for XXXX XXXX  Mastercard Card. Reference Number XXXX As such, Bank of America, BETRAYED their promise and by doing so, caused me the LOSS of a FREE Round-Trip ticket ( Washington-XXXX-Washington ) and the LOSS of other benefits extended by XXXX XXXX XXXX XXXX. 

Thus, I seek your assistance and help in resolving this contradictory and conflicting matter with Bank of America.