davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

It seems like every year the credit bureaus removes all of my history rating data and every year I have to come back and file a complaint in order for them to fix it. I have contacted the creditors, XXXX XXXX XXXX XXXX XXXX XXXX and U.S Department of Education by way of the student loan database to see if anything has changed and it has not. All account have been reporting through the national student loan database since 2004, while reporting all transfers and consolidations, as " paid consolidated accounts '' the credit reporting agency has the status as multiple statuses not matching what is being reported by the creditor. I have consolidated 6 times since 2004 with the last XXXX consolidations being removed by Transunion, XXXX and XXXX. Now they are removing my history ratings from those installment loans and am being givin a hard time for them to put the information back. That is close to 20 years of installment loan history removed from my credit report and the loans are NOT CLOSED!
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Neon Newco Corporation (MI)

XXXX XXXX well the first amount there some merchant took it, it's my problem still pending stated XX/XX/2020 next amount today XX/XX/2020  from a direct deposit they holdingmy money told me i have to wait a 24 hours to try to get my money as they block a card my acount been -XXXXdollars since the XX/XX/2020 i suppose to got my deposit today they said you got it yesterday. And you fell you question asking XXXX.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

I opened an auto loan with Ally Financial in XXXX of XXXX. They had been reporting my payments monthly until XXXX of XXXX. Since then they have not updated my account balance nor my monthly payments. Its bringing my score down and Im being denied the ability to purchase another vehicle. I want my payment history and corrected owed balance to be updated immediately.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I spoke to a representative yesterday that says both of my accounts were put a program for covid 19, and this one is not showing in the program. Your wait times to speak to someone are ridiculous. I need another paymeng waiver because I am still affected by covid 19. I want to make sure both my XXXX card and my thank you preferred card have been enrolled in a new program.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

am a victim of identity theft and have enclosed a copy of my FTC identity theft report and a copy of my ID as proof of my identity. I am writing to request that you immediately block the following fraudulent information from my credit file, in accordance with Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ).

Upon obtaining a copy of my credit report, I identified accounts that do not correspond to any transactions I have made. This is not a regular dispute but a result of identity theft, as documented in my complaint with the Federal Trade Commission ( FTC ).

Under the Fair and Accurate Credit Transactions Act ( FACTA ) and FCRA, I am requesting that the following fraudulent accounts be deleted and permanently blocked from my credit report : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
In accordance with the FCRA, I respectfully request that these accounts be blocked from my credit file within four days of receiving this correspondence. 

Thank you for your immediate attention to this matter. 

Kind regards, XXXX XXXX
Consumer complaint received 2021-03-28
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. (AR)

Credit File : XX/XX/2021 Confirmation # XXXX THIS IS A WARNING AND MY LAST TIME DISPUTING BEFORE I FILE A LAWSUIT WITH THE ATTACHED EVICENCE IN THIS COMPLAINT WITH MY ATTORNEY. 

Dear Equifax, you recently responded to my dispute letter concerning bankruptcy case number XXXX, in your response you indicated that you verified that it was accurate through a third-party vendor XXXX. Equifax, please explain to me how you can say that you verified that the bankruptcy is accurate through XXXX when I sent you a copy of the letter XXXX sent me showing that they removed the bankruptcy from my XXXX report, because they could not verify the accuracy of it? 

In this CFPB Compliant, I HAVE ALL THE DOCUMENTS THAT XXXX SENT ME UPLOADED IN THIS COMPLIANT FOR YOU TO SEE AND VERIFY ONCE AGAIN. PLEASE SEE THE LETTER THAT XXXX SENT ME THAT SAYS THEY REMOVED THE BANKRUPTCY FROM MY REPORT, PLEASE SEE THE LETTER XXXX SENT ME STATING THAT THEY ALSO SENT YOU ALL ( EQUIFAX ) A DISPUTE LETTER ON MY BEHALF REGARDING THE BANKRUPTCY THAT IS ON MY CREDIT REPORT, BUT YOU ALL ( EQUIFAX ) NEVER RESPONDED TO THEM! ALSO, PLEASE SEE THE LETTER FROM THE COURTS STATING THAT THEY DONT GIVE OUT INFORMATION TO CREDIT BUREAUS OR THIRD PARTIES! 

THERE IS NO WAY POSSIBLE YOU ALL ( EQUIFAX ) COULD HAVE VERIFIED THROUGH XXXX OR THROUGH THE COURTS, SO EITHER THE LETTER YOU SENT ME WAS AN ERROR, OR YOU ARE JUST TELLING A LIE, BUT EITHER WAY YOU ALL ( EQUIFAX ) ARE IN CLEAR VIOLATION OF THE FCRA FOR NOT CONDUCTING A TRUE INVESTIGATION AND TELLING A LIE, UNLESS IT WAS AN ERROR, EITHER WAY YOU MUST DELETE BANKRUPTCY CASE NUMBER XXXX FROM MY CREDIT REPORT IN COMPLIANCE WITH THE FCRA. 15 U.S.C. section 1681 ( e ) : Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The evidence I have attached to this complaint shows that Equifax did not follow reasonable procedure to assure maximum possible accuracy. 

Also, be advised that this is not a credit repair service or a third party, this is me XXXX XXXX, a copy of my driver 's license and social security card is attached to this complaint, please see all attachments!
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

I was the victim of Identity theft. Accounts with Cable companies and cell phone providers were opened using my name and SSN. All my credit reports have been frozen since the XXXX data breach. So no new account line of credit inquiries on my credit report are possible. 
However these accounts did not inquiry on my credit reports. The accounts went to collections after no payments were made. I am currently disputing the charges and submitting documentation. 
Citibank lowered my line of credit on my citibank credit card. I explained that I was the victim of fraud and asked that my credit limits be restored. They refused to restore my credit limits. After many attempts to explain I was not at fault and given the current joblessness and financial crisis they should reconsider. I had been a long term client of citibank and had always made any payments minimum or otherwise on time. 
The employs and supervisors of Citibank Credit card customer service were rude and unresponsive. I settled the balance of the card and closed the account. 
Citibank them claimed I owed them interest after paying off the card and closing the account. I argued with them again. Finally, I was forced to pay interest on a card I had payed off and closed. The customer service from every person I spoke with at Citibank was horrible.
Consumer complaint received 2021-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (PA)

On XX/XX/XXXX I disputed an erroneous collection from XXXX ( account # XXXX ) in the amount of {$130.00}. XXXX was the creditor on my credit report. I sent everything to them and the three credit bureaus through certified mail. After numerous communications they were unable to locate the account and agreed to delete it from my report. It was deleted as agreed. On XX/XX/XXXX this debt was improperly re-inserted onto my credit report by a third-party collection agency, EOS CCA under an account number of XXXX on behalf of XXXX. I received no communications from EOS CCA. I filed an online dispute requesting additional information and only got a response of verified. This was previously resolved and removed and now EOS CCA cant provide any documentation it is still owed nor will the remove it after it being improperly re-inserted.
Consumer complaint received 2021-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I am using a PayPal account as a mode of payment for doing a buy and sell of XXXX XXXX. I did my first transaction and was waiting to receive the payment amounting to {$58.00} on XX/XX/2021, but my account was put on hold because they noticed that I'm a new PayPal seller. They had to review my account first and asked information about the transaction which I've provided them the details needed. On XX/XX/2021 my account has been restored. However on XX/XX/XXXX, after adding a debit card I immediately received an email saying that I can no longer do business with PayPal and my account was permanently banned.
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MI)

NOTICE OF DEFAULT AND OPPORTUNITY TO CURE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Transworld Systems Inc., On XX/XX/XXXX I filed a CFPB Complaint 'demanding the agreement between myself and Transworld Systems Inc that created the alleged debt. On XX/XX/XXXX Transworld Systems Inc. replied to the CFPB complaint stating the account was closed, and TSI intends to have no further communication with me. I CLEARLY STATED in my initial complaint that a FAILURE TO PROVIDE ANY INFORMATION IS A VIOLATION OF THE FDCPA 15 USC 1692 ( Fair Debt Collection Practices Act ). This has caused me the natural person/consumer damages by finding out that Transworld Systems IncXXXX XXXX XXXX ATTEMPTING TO COLLECT AN ALLEGED DEBT. 

Pursuant to 15 USC 1692f ( 1 ) Unfair Practices : states that that a debt collector may not use unfair means to attempt to collect any debt ; unless such amount is expressly authorized by the agreement creating the alleged debt or permitted by law. 

Transworld Systems Inc. BECASUSE FAILURE TO PROVIDE THE AGREEMENT CREATING THE ALLEGED DEBT, YOU ARE IN CLEAR VIOLATION OF THE FDCPA AND I WILL NOT STAND FOR YOUR ILLEGAL ATTEMPT TO COLLECT. YOU ARE CIVILY LIABLE FOR ANY AND ALL DAMAGES TO THE CONSUMER/NATURAL PERSON AND ORDERED TO PAY {$1000.00} PER VIOLATION PURSUANT TO 15 USC 1692k ( a ) ( 1 ) ( 2 ) ( A ). 

THIS IS YOUR LAST OPPORTUNITY TO CURE AND SETTLE THIS MATTER! 
Attached is an Invoice in the amount of {$3000.00} for violating 15 USC 1692f ( 1 ) Unfair Practices and damaging the consumer/natural person. Send check by certified mail to mailing locating listed above. Transworld Systems Inc. HAS UNTIL XX/XX/XXXX BY XXXX EST TO SETTLE THIS MATTER! THIS IS YOUR LAST OPPORTUNITY TO CURE AND SETTLE THIS MATTER! 

XXXX XXXX XXXX  Coming in Good Faith
Consumer complaint received 2018-08-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (MD)

I obtain a loan for {$2500.00} through a pre-approved offer in the mail from mariner finance. When i tried to make a payment, I was informed to go online to make my payment. I went online and made 2 payments 1 for {$96.00} and another for {$500.00}. When setting up the payments to be debited from my checking account, I inadvertently added an extra digit to my checking account numbers thus the payments did not go through for incorrect account number. I was contacted by Mariner Finance and realized the mistake and corrected it immediately and made a payment of {$96.00} which was debited from my checking on XX/XX/18. I then sent a check in the mail to the branch in XXXX XXXX, MD where my account is held for a {$1500.00}. On XX/XX/XXXX I check my account online and noticed I had a late charge for {$29.00} even though I see the {$1500.00} was credited to my account. When i called to inquire about the late charge the representative I spoke with informed me that my account was coded as not to accept checks because of the 2 items that did not go through because of the wrong account number and even after the other charge was debited from my account onXX/XX/18 ; it their policy that i must come into their office and pay cash or by money order. This is unacceptable as a consumer that I should be inconvenience or pay extra to send a payment to each month to Mariner when they already received a payment from my account with the corrected account number.
Consumer complaint received 2021-04-09
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. (AR)

I demand the deletion of the fraudulent inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/2019 ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 

2. Bankruptcy Chapter XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019.
Consumer complaint received 2020-06-26
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AVANTE (MD)

On XX/XX/2020 and XX/XX/2020, Avante USA, XXXX XXXX XXXX XXXX, called my father twice about my debt. They already have my address and phone number on file. I have not received written notification about my debt from the either. I am only aware of them because of these two calls to my father.
Consumer complaint received 2019-12-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kohn Law Firm S.C. (WI)

This company while in contact with me went behind my back and set a court date when they already were speaking with me and were provided continued proof of receipt of government assistance. I asked them not to contact me or my work unless about settlement because they were so unreasonable and making the debt amount so high that I felt like ending my life. I have XXXX kids I can barely provide for. They made my employer with their garnishment threats treat me like garbage. This company is greedy has no regard for human life. They constantly set court dates and provide outrageous attorney and interest and other charges to make money of people that don't have any. It's disgusting. Tell my children why you won't settle for half of original apparent amount and why you threaten people when they are not able to fight back.
Consumer complaint received 2023-01-03
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 — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (IL)

Todays date is : XX/XX/XXXX Regarding Account : CERTIFIED MAIL RETURN RECEIPT REQUESTED Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the above account with your company. This has damaged my XXXX XXXX and is extremely troubling. 


Account Name : Account Number : XXXX XXXX XXXX : KIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sure you are aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. 

You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion. 
Also, make sure late fees are accessed properly. 
In this regard, I hereby request the following steps to remedy this situation. 

To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account. 
Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company.

Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date. 

If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, XXXX and XXXX, and any others. 

If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. 

Im thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Since the early XXXX 's, members of my family have been loyal customers of Wells Fargo Bank / XXXX, CA branch and continue to hold a Wells Fargo checking account. Since the COVID-19 pandemic came to California in early XXXX, we have struggled with serious health problems while diligently obeying all California ' '' stay-at-home / social distancing '' orders. Obeying Governor XXXX COVID-19 orders, in turn, forced loss of family employment income that caused unprecedented family financial setbacks. We are not alone since many others also have experienced for the first time in their lives the same COVID-caused nightmares now only further aggravated by the alarming new spread of the Delta variant. 

From the standpoint of XXXX, family members, including me, are considered XXXX XXXX to the virus being diagnosed with XXXX XXXX ( XXXX XXXX XXXX-XXXX  XXXX ) and XXXX  XXXX. One family member, with no previous history of XXXX  XXXX, suffered two different XXXX XXXX last year shortly after COVID came to California. This year just last month, this same family member was hospitalized yet again with a XXXX and no longer has a phone. 
Wells Fargo used to telephone harass this now XXXX senior family member but, since this member no longer has a phone, Wells Fargo now repeatedly telephone harasses me. 
Attached are examples of only seven ( 7 ) of the most recent harassing calls from Wells Fargo. These seven calls date only from Wednesday, XX/XX/XXXX through Tuesday, XX/XX/XXXX, and document that Wells Fargo calls from different telephone numbers and, further, that Wells Fargo never leaves voice messages. ( Thus, I do not know Wells Fargo reason for its harassing calls. ) Recently, I too was hospitalized but with a serious XXXX XXXX XXXX and now am XXXX, unable to XXXX  or XXXX. The overwhelming stress caused by Wells Fargo non-stop phone harassment is causing me not to sleep and prescription antibiotic medicines less effective in healing my foot wound. 

National news reports that Wells Fargo continues to be a struggling bank but this does not excuse Wells Fargo from illegal telephone harassment of loyal customers who themselves are struggling with COVID-caused financial hardships complicated by COVID-caused health setbacks that force hospitalization.