davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (NC)

I am the victim of identity theft. The thief opened 3 auto loans in my name. I contacted all 3 banks and informed them of the fraudulent charges. 2 out of the 3 banks resolved my issue within 3 months. This last bank I have been contacting for over 2 years. I call the companies customer service phone number, and I am told to fax my documentation to them. I have, multiple times. Each time I call, I get a different representative who claims they don't have my information. I finally reached out to the management team, and XXXX XXXX told me to contact XXXX XXXX. I did on XX/XX/2019 and submitted my documentation to him, and was told their legal team will review my documentation.I have not heard anything back, and each time I have reached out to XXXX to get an update about my case, I am told " The legal team is still working your case ''. We are approaching 8 months without any information on what is going on with my case. XXXX XXXX XXXX ( XXXX XXXX XXXX ) resolved my fraud case within 2 weeks. XXXX XXXX XXXX XXXX did it within 3 months ( After filing a complaint against them ). I feel I have been patient with Westlake Financial Services, and have gotten no results.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is illegal to furnish history transactions without written consent. It is a violation of privacy. There is a need to ensure that the Consumer Reporting Agencies defined as ( CRA ) exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and Transunion are all Consumer Reporting Agencies. I am defined as the consumer. Being the consumer I am exercising my right to privacy. 
XXXX XXXX XXXXXXXX is defined as a Finacial institution under title 15 USC 1801. I do not and will not give consent written or unwritten, verbal and non-verbal consent to any Finacial institution or ( CRA )
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

XXXX XXXX So I've been with discover card for years and years never had a problem paying my bills XXXX  hit loss family members lost income my bills felt behind i was struggling i became very afraid to even pick up my phone because the calls was coming XXXX another with threats so i finally was able to get a friend to try and help me out some of my debt we called discover i was talking with a lady she told me my account had been charge-off and i need to pay it before its closed and than I would be brought to court no call recorded no XXXX  XXXX nothing SO I WAS VERY SCARED my friend came on line to help make a payment of {$XXXX} and i set up future installments later that night i called back ask since i was a long time customer can i get my account back activated i was told that the special department was closed to try again tomorrow i did and was told they will not how can you be XXXX  and treated like this by credit card companies this is not fair nor is it right and you have XXXX hardship in your life they close your account without any further consideration this is so unfair for consumers PHONE Number XXXX
Consumer complaint received 2018-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Good afternoon, my name is XXXX XXXX, I'm taking this opportunity to file this complaint against Bayview loan Sevicing, LLC. 
I had a mortgage with XXXX XXXX, which without my consent transferred it to Bayview.  Since then we are facing many problems with that Bank. From 1000 plus, we are paying more than 2000 dollars, and whomever we spoke, nothing has been done to lower our rate to the current one on the market. 
On XX/XX/2018, we have received a letter, which was a notice of default, for XXXX, that amount was paid in order to update the account. Even though, the bank has received all my payments, nothing has been done to update my account. 
I have a policy number XXXX, I purchased my own insurance and without my consent, Bayview loan went a paid my insurance in full. 
for those violations, I want my mortgage to be transferred back to XXXX XXXX. 
XXXX XXXX
Consumer complaint received 2023-05-07
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: Bread Financial Holdings, Inc. (MI)

XXXX XXXX added me to an account, with a full payment history I never had knowledge of. I have only had " one account '' with this company which comes directly to my home in XXXX XXXX. I & got a full history from an address I have not lived in, in over 12 years.
Consumer complaint received 2023-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I bought new house and had a house for almost 30 years, I paid my mortgage. My loan was sold, they told me, to the private person, never disclosed who bought the loan. Demanded to pay XXXX, did not accept regular mortgage payments anymore, it was over XXXX every month. I refused to pay XXXX and Wells Fargo foreclosed on my house. I think this is a criminal what they did.
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (IA)

UNAUTHORIZED INQUIRIES : XXXXXXXX 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 {$1900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXXXXXX XXXX {$1900.00} XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX  XXXX {$29000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$330.00} XX/XX/XXXX Also please immediately remove the unknown names and unknown addresses that I listed on my FTC identity theft report that I have attached... Thank you
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Inaccuracies, incorrect, amount, dates, also reported status the vehicle was totaled not a repossession. 
Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX coupe of the inquiries were removed by the original creditor letters was sent to myself and TransUnion, XXXX, & XXXX as well as creditor. They refuse to remove and delete they also remove persolve and add back multiple times each month causing me not to be credit worthy as I am. I am doing this with good intentions and faith. I would like XXXX for rack illegal accusations & negligent matter hurting my creditworthiness.
Consumer complaint received 2023-03-07
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

Collection agency IC System of XXXX  XXXX, MN claims in XX/XX/2019 that I owe {$370.00} which they say is overdue for cable service provided by their client XXXXXXXX The account, # XXXX, is for a location in XXXX, NY. I explained to IC System that this account can not be mine, since I live in California, have never been in XXXX, NY and have never had or authorized cable service or any other service in XXXX, NY. I asked IC System if they had a social security number or drivers license number associated with the account and they did not have that information. They stated that they had my name, XXXX XXXX, to which I responded that this is not an uncommon name. I told them this was clearly a case of mistaken identity ; however they would not listen. 

The larger problem is that IC System is the second collection agency to harass me about this same XXXX account. 

In XX/XX/2019, XXXX XXXX XXXX of XXXX, TX sent me a collection notice for the same amount and the same cable account number. I called both XXXX XXXX XXXX and XXXX at that time. Neither would cancel their claim. Instead they demanded that I either pay the amount or spend hours of my time in completing their data package, including trips to our police station, while offering me no evidence of why they were billing me other than that they had my name. The fact that XXXX recognized that I have long had a valid cable account with them at our home in California which is fully paid up and has had no late payments ever, did not deter them. XXXX XXXX XXXX then filed notices with the three major credit reporting agencies. I sought the advice of our ID Theft insurance company who helped us get this reversed and ultimately get my credit rating restored. 

I demand that XXXX and IC System stop harassing me for a case that had been previously resolved in my favor, that they reverse any credit ratings filed against me, and that XXXX and their collection agencies not harass me in the future for debts that are not mine.
Consumer complaint received 2023-06-23
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. (VA)

Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (MD)

XXXX   XXXX   placed a charge off account on my credit bureau files. They did not advise me of my rights to dispute such debt.   XXXX   XXXX   is advising that the last payment they received was for  XX/XX/XXXX . They did not charge off the debt until  XX/XX/XXXX . Per the FDCA this account should have been charged off 180 days from the first delinquency. They did not charge the debt off until 360 days after the time frame that they are claiming the last payment was made.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX : {$32000.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC (TN)

On XX/XX/XXXX Wakefield & Associates reached out via text. I requested to opt out at the time. They sent another text on XX/XX/XXXX from a different number. On XX/XX/XXXX they have again sent another email. I previously reached out and complained to cfpb against them.
Consumer complaint received 2017-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RECOVERY ASS has been trying to collect an account for   XXXX   XXXX   Credit card that does not belong to me. They have been sending me letters and placing threatening phone calls to me trying to force me to pay a debt that   XXXX   XXXX    turned over to them that is fraudulent and that was opened in my name as a result of identity theft. I have made them aware that this account was fraudulent and I have made   XXXX   XXXX   aware as well, however they continue to contact me and continue to make threats against me. They have told me that I could be arrested for not paying this account to them even though they are fully aware that this is a fraudulent account just the same as   XXXX   XXXX   XXXX   is aware that this is a fraudulent account. I have supplied both   XXXX   XXXX   and Portfolio Recovery ASS copies of my police report, and identity theft Affidavit, but they continue to refuse to close this account from my name and continue to try to force me to pay this fraudulent account by telling me that I can be arrested even thoug the account does not belong to me. The partial account number for the account is  XXXX . They have this account placed against all  XXXX  of my credit reports and are defaming my character by continuing to report this fraudulent negative account against me which is both willful and malicious.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consume report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy along with. I demand the removal of these accounts!
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-01
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (WI)

On XX/XX/XXXX  I was working with my social worker to set up the Direct Express Application on my phone because the only way I had to check my balances before was to call in and they told me my available balance. I was unaware I could install an app and see everything laid out. When I installed the app I saw a lot of transactions that had been made online that were definitely not me. I had never even heard of the things. My social worker helped me with calling Direct Express and filing the complaint. They told me to cancel my card and get a new one sent, so I did after I took my remaining cash out so that I had money to live on while I was waiting for the new card to be sent. My social worker and I sat on the phone with Direct Express and emailed them exactly as instructed by the person that we spoke to on the phone. The email was the list of unauthorized transactions that had started on XX/XX/XXXX  and continued until we noticed it in XXXX. The amounts ranged from {$1.00} to {$59.00}. There were 5 transactions in XX/XX/, 9 in XX/XX/, 4 in XX/XX/, and 5 in XX/XX/. Direct Express replied to my claim via mail about a week later and told me that they would not refund any of the transactions because it was past the 120 day cut off. My social worker assisted me with calling and talking with supervisors and managers on XX/XX/. One supervisor said it was passed the days allowed to file a claim and we informed them that it was not and asked for a manager. The manager said that because in those previous months I had accessed my balance from my phone that indicated to them that I authorized the transactions. I told him I did not authorize the transactions and he told me " that is just hear-say. '' I got so frustrated after being transferred multiple times and told a different version of the past two excuses as to why they were not going to refund me for the fraudulent transactions. I am a XXXX single woman that has a very limited income, I can not afford to just lose {$750.00} because this company is taking advantage of my XXXX. I told them that I was going to file a complaint and they told me " good luck. '' They were very rude and I felt very taken advantage of. I explained to them about not knowing how to use the app, and when I learned I reported the unauthorized charges immediately and followed their directions with the help of my social worker.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-02-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (PA)

Global Lending Solutions is showing five late payments on my report when they told me that due to the pandemic, they would not be reporting any late payments as long as I paid within 60 days. I am current in my loan. Their statements were misleading and false.