davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Credit Karma (KY)

On XX/XX/XXXX, I saw an advertisement on Credit Karma for the XXXX XXXX XXXX XXXX. The card had a massive " Karma Guarantee '' banner on it ( see attached screenshot 1 ) that prominently guaranteed that I would be approved for the card, or I would receive {$50.00} from Credit Karma. 

The following day, on XX/XX/XXXX, I applied for the XXXX XXXX XXXX XXXX through Credit Karma, backed by the Credit Karma Guarantee. My application was rejected by XXXX. ( see screenshot XXXX ) Credit Karma knew that I was immediately rejected for this card because they removed the " Karma Guarantee '' from this card and lowered my approval odds for that card to " Fair ''.

I quickly learned that there was no way to apply for the Karma Guarantee. Credit Karma told me that I would receive an email if I qualified. However, I obviously qualified since I was rejected but I never received any follow up emails from Credit Karma. 

I ended up contacting their customer service ( see screenshot XXXX ) about this issue. They copy and pasted something in response that was not helpful. Eventually, someone escalated this issue and requested my adverse action letter, which I provided ( see screenshot XXXX ). 

After they received my adverse action letter, they told me that I qualified for the Karma Guarantee and I should receive an email from XXXXXXXX XXXX XXXXo claim the reward. ( see screenshot XXXX ) This email never came, and customer service was incompetent or unable to assist in claiming my reward. It doesn't appear that Credit Karma is acting in good faith to pay out these Karma Guarantee rewards. I have read many online posts about people not receiving their Karma Guarantee payments. 

I attempted to contact Credit Karma customer service again and they originally copy and pasted the same response several times about the Karma Guarantee. Eventually, they told me " It looks like your case XXXX is still open. The specialized department is already working on it. '' They ceased any further communication and wouldn't respond to new tickets opened about this issue. 

Credit Karma recently entered into a {$3.00} XXXX settlement with the FTC around a very similar issue ( XXXX XXXX XXXXXXXX ).
Consumer complaint received 2023-05-24
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. (TN)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 



In accordance with the fair Credit Reporting act ) XXXX XXXX  3 Missed late payments Balance updated {$13000.00} XX/XX/, XXXXXXXX XXXX XXXX Missed late payment {$670.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX Missed late payment. {$580.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7800.00} I owe them that's in collections they are not the original creditors. 



15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts. 



REMOVE OR THE LATE PAYMENTS OR DELETE THE ACCOUNTS.
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 


XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX OF XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX. 


Account name XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Closed Account info Account name XXXX Account number XXXX Account name XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 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 2023-05-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (NV)

While I had the lease, I was charged an extra XXXX $ a month for full coverage insurance even though I had full coverage insurance with my mobile insurance. This also resulted in a repo of the vehicle when it was not needed. when paying I was told I they did not receive some of the payments when I was paying and I was told I needed both coverages when that was not true either. Later when I was in an accident the car was totaled and I was still asked to pay over {$2000.00} for the remainder of what they say I owed after the insurance and other information was sent out to them. I do not remember anything done except extensions for payments. 
I had this car from XXXX with these same issues. 
I would call and ask questions about payments and why I was being charged extra and was told thats basically how it is with a new vehicle and those were the requirements of the lease.
Consumer complaint received 2023-02-13
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX  {$380.00} XX/XX/XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

There are several inaccurate late payments on my consumer report. I am demanding that these companies show me concrete proof that I was ever late on any account by sending my the accounting records of each following account number. [ XXXX  XXXX Account Number : XXXX ] [ XXXX  XXXX Account Number : XXXX ] [ XXXX Account XXXX : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX  XXXX XXXX Account Number : XXXX ] [ XXXX XXXX  XXXX Account Number : XXXX ]. Pursuant to 15 U.S. Code 1681i I am also requesting the procedure you used to " verify '' these inaccurate late payments.
Consumer complaint received 2023-11-29
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. (FL)

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 a skimming device was inserted into the Bank of America ATM at XXXX XXXX, California. My information was taken and then subsequently ATM withdrawals of {$400.00} ( XX/XX/XXXX ) + {$400.00} ( XX/XX/XXXX ) + {$400.00} ( XX/XX/XXXX ) + {$200.00} ( XX/XX/XXXX ) at the Bank of America ATM at XXXX XXXX California. 

In Total {$1400.00} was removed from my EDD card due to this scheme. I was researching this and it seems to be prevalent with California EDD Cards. Both of these locations have cameras, and i would like my funds to be credited back to me. 

This is my unemployment money, and now I have to forgo paying my bills. 
My email is XXXX XXXX phone number is XXXX. 

I have contacted Bank of America, as well as the XXXX XXXX and XXXX XXXX Police Departments. 

Thank you. 
XXXX XXXX
Consumer complaint received 2021-09-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting unverified student loan accounts on my credit report. I initially contacted Transunion, in writing ( see Attachments ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally not conducted any business with any of the parties involved with these accounts, and know the debt does not belong to me. 
Transunion responded to my request for a signature bearing document with a letter ( See attachments ) stating the debt was verified and it belonged to me. None of the information provided by Transunion bore my signature or any other validating evidence linking me to the debt. 
Information reported by the 3 major Credit Bureaus vary greatly and makes it very difficult to trust the validity and accuracy of the information provided by XXXX, Transunion, and XXXX. Case in point Transunions response shows the payment history of the Dept of EdXXXX Accounts going from being OK to being 90 days late from XXXX. This is also the period of time where the account was being handled by a difference servicer called XXXX XXXX XXXX ( since XXXX  ) and was no longer being serviced by Dept of Ed/XXXX  ( see Attachments ). When I contacted the XXXX XXXX  XXXX to try and resolve the issue they referred me to a debt collection company called XXXX XXXX XXXX. I have attempted to contact XXXX XXXX XXXX but as of yet have not received a response. 
Through all of this, not one of these companies have been able to provide me with any verification or evidence proving this debt is mine. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties these companies are damaging my reputation and credit worthiness. All of these discrepancies serve as proof the information being reported on my credit report is not accurate, nor is it being properly verified by in accordance with the law and needs to be removed. The practices of the aforementioned companies are highly predatory and violate the FCRA ( Fair Credit Reporting Act ).
Consumer complaint received 2022-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX wronly charged my account. when I contactet them they returned money to my account in the wrong amount instead of XXXX the put in XXXX the they asked for a money trcnser for XXXX only to find out the money went to a card instaed of paypal now I am out XXXX. I will attach all pertinant documents the bank in question XXXX XXXX Bank recipiant XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX account # XXXX routing XXXX Bank address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wire recall Nmber XXXX
Consumer complaint received 2023-03-16
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-09-06
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: Tower Loan of Mississippi, Inc. (AL)

I had several accounts charge off I paid off for deletion and the charge off still on my credit as well as some accounts report that should be deleted and report wrong. This has take a toll on me mental where I cant even get loan for my business. Ch XXXX need be taken off because I never went through it. Tower loan - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report collection that was false took my score down 70 point. I paid them also old account. This has effect me I work so hard pull up my score and it has not help I paid over XXXX in charge off and still reports negative as well repo that was sold and not liable for should be Delete instead report negative against me a lot the info is wrong my report I have disputed it all three credit bureaus and still no action on their part
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (IL)

This complaint is with regards to an incorrect late payment history that appears on my XXXX  credit report. The history pertains to a Perkins Loan serviced through UAS  for the XXXX XXXX  University Bursar 's Office. 

I submitted the following in a credit dispute to XXXX  ( see attached ) : - Document 1 : Borrower Statement - Document 2 : Relevant CFR regulations - Document 3 : Relevant ISAC regulations - Document 4-5 : Proof of contact with the alumni office during the dates of alleged late payment - Since submitting the dispute, I have collected more clear evidence from the Alumni office regarding the exact dates my contact information was on file ( Document 6 ). I have attached this for review. 

The dispute was concluded by XXXX  on XX/XX/2020. I have attached a copy of the dispute report as provided by XXXX  ( Document 7 ). Document 7 shows that the account history continues to reflect late payment status codes for these months. All that was updated was the effect of my recent payment on any past due balances. 

Having previously tried to resolve this issue independently with both UAS  and the XXXX Bursar 's office and through an XXXX  dispute, I am now turning to the CFPB for assistance in resolving the matter.
Consumer complaint received 2024-04-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Union Home Mortgage Corp (KY)

I entered into a forbearance on my home mortgage in XX/XX/XXXX due to the loss of XXXX. My mortgage company assured me that if I did this, I would not be reported to credit reporting agencies as late payment. It was my only option to save my home and make it until my next job started. 

Beginning in XX/XX/XXXX they began to ask for documentation due to the forthcoming end of the forbearance period - paycheck stubs from my new job, bank account statements, explanations of all deposits and withdrawals, etc. I did this for them no less than XXXX times, and they continued to tell me that I had to send them the same stuff again and again and again.

My forbearance was set to end with a regular monthly payment on XX/XX/XXXX. I see that they have not yet taken out that payment. My mortgage account is set for auto payment and that can not be changed. I have not made a manual payment because I know that as soon as I do, they'll process the auto payment set up on my account and I'll be out twice my monthly mortgage, which I can not afford.

Today I noticed that they've now reported me as " seriously delinquent XXXX XXXX days '' for this entire forbearance period, despite their own policy that they
will not do so during a hardship.

My decision to get my mortgage from this company was the greatest financial mistake of my life- they have continually found ways to increase my monthly payment due to their own constant mistakes. They need to remove this from my credit report, to process the auto payment for XX/XX/XXXX that my account is set up for, and to apologize.
Consumer complaint received 2019-12-18
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. (TN)

this is my report # XXXX I am disputing for the past 6 months a medical collections from a collections agency Transunion delete 3 accounts but make a re-insertion wihout any notification ( FCRA REQUEST A WRITTEN NOTIFICATION ) my dispute request a HIPPA AUTORIZATION FROM THE PROVIDER AND THE COLLECTION UNTIL TODAY all my attempt to fixes this issues was ignored
Consumer complaint received 2019-12-18
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. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

Im a Victim of fraud, my identity was exposed on the dark web, as my ssn, address, dob, and name from the XXXX Equifax data breach and the XXXX data breach. I demand all these accounts be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over XXXX points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting. 

I have also attached an FTC REPORT FOR YOUR REVIEW.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX  My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence
Consumer complaint received 2022-12-27
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX  My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office XXXX and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence
Consumer complaint received 2019-12-18
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. (SC)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND UNACCURATELY PLACED INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.