davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (NC)

In XXXX my husband and I each received a XXXX $ virtual card from XXXX because our identities were stolen. XXXX sent me a link to a website. I used a code but I got no card number. Last month I received an email from My Prepaid Center asking me to retrieve a card number so I could use it by clicking a link. I thought it was a scam, so I ignored it for fear they would steal my identity. But my husband got the same email, he tried it and told me it was not spam. 

So I clicked the link only to discover that the XXXX $ card XXXX gave me contained less than XXXX $!!! The prepaid center site had been taking out fees of {$5.00} a month!! On a XXXX $ card!!! 

I couldn't use the card because I didn't have a number and was unable to load it into a wallet, so I was worried that every month they would keep billing me even when my card was empty. 

The same thing happened to my husband. After hours of talking to people, the company told him it was a computer mistake and they would refund and send him a plastic card. He got no proof in email, so he contacted the consumer finance agency and they made sure he got the money back and a physical card. 

He told me to call My Prepaid Center so I could get my money back. I called today, XX/XX/XXXX, But my prepaid center told me there was no computer mistake, and I would get no refund of fees. They said that I would be charged XXXX $ for every month the unusable card sat on their system. They refused to send an email promising to stop the fees after the card was emptied by them. I became afraid they would send me to a collection agency for fees on a card that I couldn't use. 

The support person said they could not send me a promise in writing that I would not continue to be charged. 

When I told them that they refunded my husband 's fees, they lied and said it was a different type of card and a different set of rules, but it was the identical card from XXXX. 

I am a woman and have a foreign accent, so I became suspicious when we were treated differently under the exact same circumstances. Why would they refund my husband 's card and not mine? I wonder if the scam is to see who they can bully into accepting the fees. Perhaps they thought I would not file a complaint because I'm a woman and XXXX. 

I just want my XXXX back and a physical card. I want the government to look into the legality of these fees. 

I don't have a card number, but my account is found by using my email - XXXX Thank you.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (CA)

Inaccurate information deletion request DATE : XX/XX/XXXX From : XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Dear credit reporting agency , I am susceptible to identity theft. I demand to delete any inaccurate or incorrect information such as misspellings of my name other than my legal name of XXXX XXXX as shown on my passport and following items listed below. 
-Remove all other addresses other than my current address of XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX -Remove all phone numbers other than XXXX -Remove all employers as XXXX currently unemployed -Add a fraud statement to the credit bureau as I do not recognize some of the accounts showing on my credit report. 
-Freeze my credit profile and send me a pin for future use to unfreeze my credit profile. 
These inaccurate details have adversely affected my creditworthiness and hampered my chances of acquiring new credit. I will pursue a CFPB investigation if any dispute arises. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the above items in my credit report be removed. 
Under the FCRA, You must notify me of the changes and forward me the updated copy of my credit report to the addresses, phone numbers, correct legal name, employer data, and possible identity theft referenced above. I have included a bank statement, a copy of my passport, and my social security card for validation. 


CCPA California Consumer Privacy Act Request I would like to invoke rights under the CCPA and ask what personal information is being collected about me and request a copy of the information you have collected about me, and request a deletion of all non-essential information about me as a California Resident which updated my rights on XX/XX/XXXX. Please cease sharing my information effective immediately. I also revoke all terms of use for all websites use, complicated end-user agreements, or website cookies which are designed to remove federal and state protection for me as a consumer effective immediately. 
Please process this request within 30 days in writing. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Account : ( XXXX XXXX ) : ( XXXX ) Please remove this account from my credit report.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-04-22
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. (TX)

I have requested the consumer reporting agencies to change the status of the XXXX XXXX XXXX XXXX account to closed/never late due to XXXX XXXX  XXXX XXXX failing to comply with 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ). The consumer reporting agencies have failed to update the status and the consumer reporting agencies have failed to comply with 15 U.S. Code 6802.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (PA)

I have a XXXX XXXX credit card that is paid off, I have a new milestone card that is paid off as well. They took over XXXX points in a 1 week. Even when paying my minimum. Now they both paid off.
Consumer complaint received 2016-02-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear Consumer Financial Protection Bureau, This is about Case # XXXX I can not sign into my ( cfpb ) account to see what the status is with my BOA complaint. 
So I am sending this via new complaint site. 
I had sent ( w/o a return receipt ) a Signature Affidavit back to BOA in XXXX XXXX that hey asked me to fill out and get notarized. I then in XXXX XXXX received a letter from BOA stating that my case was closed because they did not receive the signature Affidavit back from me! 
Yet I never to this day received any returned mail. 
I then sent all of the Signature Affidavit ( with a return receipt ) and with their letter to open the case back up to the mailing address they stated again. 
I am in possession of the return receipt that was signed by BOA on XXXX XXXX, XXXX. 
I also have a copy of all documents that I did sent in XXXX XXXX. 
So far ( XX/XX/XXXX ) I have not heard from BOA by phone or mail regarding this case. 
There was a phone call on my answering machine that I could not deceiver what it was saying because the foreign person had an extremely strong accent .... 
I am still very upset over this run -around they are giving me now by ignoring me and refusing to correct this matter.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am a natural person, i am a living human being, i have rights under 15 C 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

Mr. Cooper acquired my mortgage from another lender a few months ago. The mortgage is almost paid off, but it was set up with our taxes and insurance in escrow. 

They have not paid either one. I paid the insurance out of pocket this morning to ensure that my insurance won't be cancelled. Mr cooper claims to have made both payments but the county tax collector and my insurance carrier disagree. 

When my insurance company spoke to a representative from Mr Cooper, they asked if they could make a partial payment and extend the due date. They have a fiduciary responsibility to make those payments on time, but they have not done so. 

Also, our tax collector offers a discount for taxes paid early. Mr Cooper has missed the early payment deadline, so our taxes will now be higher than they would have been if Mr Cooper had paid the taxes on time.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (NY)

My student loan servicer reported that I owed XXXX when I only owed XXXX, effectively dropping my credit score by XXXX points. I need to move, so this drop in my credit score is significant. I have been extremely stressed out about this and have felt sick since seeing the incorrect charges on my credit report. My student loan servicer is Ed Financial.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2023-09-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

I want this inaccurate account removed from my consumer report due to the reporting of this account is inaccurate and a violation to my right to privacy which is stated in 15 USC 1681 section 602a ( 4 ). This debt collector is also using my personal identifying information to coerce me into paying an alleged debt which is a violation of 15 USC 1692d ( 4 ) and is defined by the FTC as debt parking. My rights have been violated and this account needs to be removed right away. 




Transworld Systems Inc XXXX XXXX XXXX | XXXX XXXX | XXXXXXXX XXXX PA XXXX Account Number : XXXX RE : Debt Validation Request I am writing to you in response to a collection notice I received from you on ( XX/XX/2023 Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested. 

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
Please provide me with the original creditor 's name and any supporting documentation. 
A signature on an agreement stating that I have agreed to assume the debt. 
A copy of the debt agreement, including the principal, interest, and any additional fees charged. 
Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in ( state you currently reside ) along with your license numbers and Registered Agent or Agent of Service. 

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease. 

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication. 

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.
Consumer complaint received 2023-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LendingUSA (TX)

I applied and received a loan from this lender, Lending USA ), on XX/XX/2023 I did everything online, the money was deposited, and everything was going right until the moment I asked to access my account online, so I could make payments and see statements. 
Since I received the money, I have been trying to get access, they said their IT needs to resolve the problem. there is a problem with my account, I have been trying to contact them almost every day to get this resolved, so I can make the payments, and due soon, but i can not pay it They always say " We will contact you in 3 to 5 days '', A month has passed, and nothing... 
I have called them almost every day, but nothing has happened. I have requested to talk with the supervisor, I did speak with him once, but after that, he refused my calls, His name is XXXX XXXX. 
I just want to pay the loan, but I can not, I want to see my account, but they don't allow me ; I want to fix the problem, but I can't ... poor customer service.. 
at this point, I am ready to get another loan and pay them in full so i dont have to deal with them ... ever
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Consumer complaint received 2023-09-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I paid my entire balance of my Express credit card on XX/XX/XXXX. I did not receive any bill stating that there was {$6.00} interest charged on the next month for the previous balance until XX/XX/XXXX which was already over 30 days past due. I have tried to call the express card company Comenity Bank 6 times and can not get a live person. Every time the line disconnects when the automated system says its trying to transfer me to a live representative. I need to understand why I was charged interest on a balance that was paid in full and why I wasnt sent a bill or received any calls from them advising a payment was missed until it was past 30 days overdue.
Consumer complaint received 2023-12-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Westlake Services, LLC (TX)

I believe securities fraud, identity theft, and other consumer rights were violated. 
A fraudulent contract was made with my identity which resulted in damages to self and credit. 
Contract omitted consumer information Security Interest was not perfected under UCC Cash downpayment was taken in the making of the credit consumer contract, which federal law states cash is prohibited in a consumer credit transaction.

Finance charge was fraudulent Violations done by companies - 12 CFR part 1026 Truth In Lending 12 CFR part 1006 Fair Debt Collection Practices 12 CFR part 1016 Privacy of Consumer Financial Information 12 CFR part 1041 Payday Lending Rule 15 U.S Code 6802 15 U.S Code 6805
Consumer complaint received 2023-12-20
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. (NV)

FAMILY & EDUCATION ACT1974 PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Secretary discharges a borrower 's ( and any endorser 's ) obligation to repay a Direct Loan if the school, without the borrower 's authorization, endorsed the borrower 's loan check or signed the borrower 's authorization for electronic funds transfer, unless the proceeds of the loan were delivered to the student or applied to charges owed by the student to the school
Consumer complaint received 2023-12-20
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)

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to XXXX XXXX compliance standards. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.
Consumer complaint received 2023-04-25
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. (TX)

The Texas Attorney General 's office has been reporting inaccurate late and/or delinquent payment history that is causing serious issues in my lively hood. I have provided the reporting information in the below attachment. They are also not allowed to report said information according to the below : 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681a ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency that administers a State or local program for establishing and enforcing child support obligations.