davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (LA)

Credit Karma falsely informed me that I was pre-approved for multiple credit card offers which were false causing consumer report hard inquiries and false hope. These offers would appear daily. After multiple disappointing pre-approval rejections I stopped applying. Now I noticed it's not just me being scammed and deceived.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (NJ)

I had a federal Perkins student loan go into default as I missed seven payments, when I was away for a military school that I thought I had organized all of my payments before I left in XXXX. The late payments are reported on the balance history as is the status of it going to collections. When talking to the lender ; even though it did go into default, it never went to collections. The collections coordinator ( XXXX XXXX ) of the university ( XXXX University ) had explained that even though it was reported as an accelerated account to her by the student billing service ( XXXX XXXX ), she did not place it into collections as she explained to me in an email that, " I do not immediately place accelerated accounts in collections ; I hold off for approximately 30 days in hopes that we can still settle the account. As was the case in your situation. '' It was reported under collections in XX/XX/XXXX, and back in XXXX/XX/XX/XXXX as well. When it was reported under collections this past late summer, that is when my credit score took a hit. After making disputes against this with XXXX and the loan billing servicer, the collection reporting under the balance history was only pushed right to XXXX/XX/XX/XXXX, still being reported in XX/XX/XXXX as well. It now shows " No-data '' from XX/XX/XXXX to XX/XX/XXXX. When I immediately found out about this loan, I had paid it all off in XX/XX/XXXX. I have paperwork from the university and billing service company that states I am good status and was paid off in XX/XX/XXXX. I disputed multiple times with XXXX both online and over the phone while also supplying the correct paperwork these past two months, and it shows it being " updated '' but no information has been changed in terms of the removing of it being reported as " collection ''. If there is more information that is needed or supporting documents, I would be more than happy to supply them, but I just do not understand why XXXX can not change the incorrect information that I explained to them with proof.
Consumer complaint received 2017-07-26
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 Dear XXXX, TransUnion It is now XX/XX/XXXX you received the first correspondence on XX/XX/XXXX which means your 30 days to Validate such has expired. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. Also as of XX/XX/XXXX, all public records are to be removed you have  yet to comply. My mother is in the advanced stages of XXXX, therefore, I am dealing with our family attorney to handle her affairs. Per our attorney, You are in direct violation of my rights If I owe such debt let the collections agency send me validation, You do not have the right to play GOD with someones family. I request an immediate deletion of all negative items from my report.
Consumer complaint received 2020-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2024-03-04
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. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-27
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. (FL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-03-04
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. (GA)

I hope this message finds you well. I am writing to follow up on my previous correspondence regarding the delayed opening of my accounts with your company. 

I have not received any updates or resolutions regarding the status of my accounts opening request. Given the urgency of this matter, I am reaching out to inquire about the progress and to emphasize the importance of expediting the correction of this issue. 

I understand that unforeseen delays may occur in the accounts opening process, but the lack of communication and transparency regarding the status of my request is concerning. As a prospective customer, I expected a more efficient and responsive resolution to this matter. 

I kindly request that you prioritize the review and processing of my accounts opening request to ensure its timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this issue. 

Please be advised that the prolonged delay in opening my accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. I trust that you will take immediate action to rectify this situation and provide a satisfactory resolution. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXXXXXX Balance : {$230000.00} ; XXXX XXXX Balance : {$260.00}.
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to dispute a late payment entry appearing on my credit report. Upon reviewing my credit report, I noticed an entry for a late payment on XXXX XXXX XXXX XXXX for the month of XX/XX/year>. I believe this entry is inaccurate and request that it be investigated and corrected accordingly.
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I was denied for a loan modification on XX/XX/XXXX due to a Negative NPV test. I really didnt know what this meant so i called Wells Fargo and they informed me that i could request the NPV results by faxing in a letter requesting the information as stated in the letter. I faxed the request on XX/XX/2017. On Thursday, XX/XX/2017 I spoke with a Representative who confirmed the request was received and the NPV results will be faxed over to me and to give them until Monday. On Tuesday XX/XX/2017 I spoke with a Representative, XXXX, who informed me that the request was not submitted and he would escalate this matter to the person assigned to my file and advised i call back within 24 hours. Today XX/XX/2017 when i called Wells Fargo and spoke with XXXX, she stated that they can not provide this information and because they use an outside source. I am now nearing the deadline and i still do not know why i have been denied and no one there will tell me. The only thing they tell me is that it was denied due to a negative NPV. What does that mean??? I am now going to miss the deadline to appeal because i still dont know why i am being denied.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Once again Equifax us reporting inaccurate information about this same lender XXXX ( XXXX ). 
I am submitting the information fron the lender statement about my account as well Equifax credit report showing the wrong amount balance. The amount the are reporting isnt what i owe after statement was closed out. 
This is an on going scenario with equifax and as a result i have lost a number of credit opporunities due to this. 
It seems like they dont take the time to really investigate, and my reporting to the CFPB seem wasteful. I take this seriously as i monitior my account daily and dont think this should be happpening to any consumer.
Consumer complaint received 2020-12-12
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC (CA)

hi, My loan number is XXXX with loan care company. i saw my credit report they add one late payment on my credit .Please check the atachment, on page 8 they add late payment on XXXX XXXX.But i was paid off loan on XXXX .bcz i sold house in XXXX .i was signed escrow papers on XXXX XXXX.loan care inc mess up my credit.I request them many many time please remove these late payments from my credit, But its still on my record.I am trying to refinance my home.They want clearance letter from them about this late payment.But after two months still my credit is same>please help me Thanks
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello i am filing a complaint once again regarding some inaccurate things on my credit report, please help me. i already contacted the companies involved by mail on XX/XX/2020. its been almost 2 months and no one has responded back to me. Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These inaccurate accounts are hurting my chances of being approved for a mortgage, which i am currently working on. please do not ignore my disputes again. thank you
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

On XX/XX/XXXX I mistakenly made a double payment of my mortgage payment ( in the amount of {$2500.00}. Upon making the mistake, I immediately called and asked if a refund could be processed. I was advised that a refund would be direct-deposited into my bank account with 48 hours. 

On XX/XX/XXXX, when the deposit didn't appear in my bank account I followed up with a call to verify the bank deposit had been initiated. I was, once again, assured that the money would be deposited. 

On XX/XX/XXXX, I followed up again and was told that the money had been deposited and supplied with a ACH reference number. Despite assurances that the money had been deposited, it had not. My issue was then referred ( for a second time ) to an internal " research '' team for investigation. 

On XX/XX/XXXX, I followed up again to see if the research team had discovered the problem. This time, the customer service representative gave me a different story. They claimed that the original refund had been sent as a check via the mail. They claimed they would put a " stop '' on the check and issue an immediate refund via direct deposit that would appear in 48 hours. 

On XX/XX/XXXX, I followed up again to ask about why the deposit still hasn't appeared in my bank account. On this occasion I was told that the research team still hadn't begun the research and that no further information was available. Multiple attempts to reach a supervisor or someone from the research team were greeted with hang-ups.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried for several month to have addresses and personal information remover off of my credit report, but the credit reporting agency have not complied. I've been a victim of Identity theft and I fill that this may be the reason it's happening.
Consumer complaint received 2023-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc. (AZ)

I signed up for a credit builder loan with Self Financial post bankruptcy. The loan was initially {$3000.00} over 24 months with a {$500.00} in interest. After making my first payment, I found they closed my new account under XXXX XXXX XXXX, this was opened post bankruptcy. I called and tried to resolve but they claim the account was open even though it was reported closed. I paid my {$150.00} payment which then slowly started to drop to {$73.00}. I called and asked for my {$150.00} back and my account closed, they stated the other {$75.00} was an interest payment. However I feel like I should not pay interest on a loan that I have not received or has benefited me per their agreement. So in all, I am paying {$75.00} for them to open an account and close it. They are willing to only close my account and send me {$75.00} back. I want my full amount back since they have not provided the service I have paid for.
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Delete the late dates of the disputed items from my credit report immediately as mandated by the FCRA, and cease the inaccurate reporting, or face legal consequences for non-compliance. The failure to respond appropriately within the specified time frame will result in further legal action for the violation of my rights under the FCRA. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2024-03-04
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-02-02
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-07-11
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are misleading and must be removed or blocked for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 


Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX AUTO XXXX Balance : {$36000.00} XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-04
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-02-02
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.