davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (OH)

I have sent the XXXX XXXX to the department of education and XXXX for the past year to resolve wrong information and the removal of my student loans. 

I am a XXXX XXXX and under the Americans with Disabilities Act this information needs removed from my credit file. My loan was also over 7 years ago.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC (CA)

After four months of communication and different disputes with EARLY WARNING SERVICES , LLC, SUSPICIOUSLY, UNETHICALLY, AND LACK OF PROFESSIONALISM, today XX/XX/XXXX, THE CONSUMER SERVICES AGENT NAMED XXXX, told me that IT IS WRITTEN IN MY FILE THAT SINCE XX/XX/XXXX, ( WHEN I COMPLAINT TO THE CFPB THAT EARLY WARNING SERVICES , LLC HAS NOT SENT ME A XXXX XXXX  NOTICE OF REMOVAL LETTERS FROM MORE THAN A MONTH AGO, AND I REQUESTED XXXX  SEND ME A CERTIFIED ENVELOPE TO BE SURE THEY ARE SENDING THE XXXX XXXX  LETTERS ), XXXX HAS TO VERIFY MY IDENTITY. XXXX asked me personal information from XXXX to the present, and I answered ALL THE QUESTIONS CORRECTLY, then she told me that she was going to send me an text to my cellular with a link to be open and then to follow instructions in order to XXXX to assist me. First, I have not paid my cellular phone, and second, it looks a pretext to open a link in order to be worth to be assisted. I COMPLAINT AGAINST EARLY WARNING SERVICES FOR DISCRIMINATION BECAUSE THIS COMPANY IS TREATING ME IN A DIFFERENT WAY, IN A REVENGE WAY, AND WITH INEXCUSABLE PRETEXTS NOT TO ASSIST ME. ALSO, SINCE I AM REJECTED TO BE ASSISTED WITH SUSPICIOUS EXCUSES, I WILL BEGIN REQUESTING MY COMPLAINTS FROM THIS PAGE. TODAY I SENT TWO DIFFERENT DISPUTES : XXXXXXXX XXXX XXXX XXXX  ACCOUNTS, AND XXXX XXXXXXXX XXXXK. TODAY IS XX/XX/XXXX, I REQUEST XXXX TELLS ME WHEN THEY WILL ANSWER MY DISPUTES FROM XXXX XXXX  XXXX FOUR ACCOUNTS, AND FROM XXXXXXXX XXXX, ONE ACCOUNT. I ALSO REQUEST THE LETTERS BE SENT BY CERTIFIED MAIL. THANK YOU.
Consumer complaint received 2021-07-24
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

I got reported of late payment and I wasnt at all I attached a document showing a payment deferral agreement in the same time they report the late payment. The creditor is Toyota.
Consumer complaint received 2021-12-15
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. (MO)

HELLO, MY NAME IS XXXX XXXX AND I AM A XXXX, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have sent the XXXX XXXX to the department of education and XXXX for the past year to resolve wrong information and the removal of my student loans. 

I am a XXXX XXXX  and under the Americans with Disabilities Act this information needs removed from my credit file. My loan was also over 7 years ago.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the XXXX Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : WF XXXX XXXX XXXX  XXXX XXXX, NM XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc. (AL)

I received a general Prepaid Mastercard from XXXX ( XXXX XXXX XXXX XXXX ) last year at this time. Given the current conditions with Covid, I was unable to completely spend the balance on the card prior to the expiry date. I reached out MyPrePaidCenter.com to request a reissue of the card with the remaining balance but they refused. After reviewing the information provided on your bureau 's website, I should be entitled to a reissued card with the remaining balance on it. Thank you.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WV)

I have been an account holder on my Citibank Sears XXXX since 2013. I have only had one late payment in the last 3 years and recently paid off a {$900.00} balance only to get a letter stating they are closing my account. So basically I got punished because of what a system generated and no one actually looked at the actual history of my account.
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (NJ)

I applied for the mortgage and received a disclosure statement. We agreed on the terms. They required me to pay for the appraisal, so I paid {$500.00}. The appraisal was completed, and the appraiser did a very poor job and undervalued our home. He used comps over a mile away in a lower priced subdivision bordering a highway when there were comps within .25 miles of our home. He left out critical details and upgrades, forgot to take pictures, did not adjust for the fact that we completely remodeled the home. 

I complained to Better and provided six alternate comps literally down the street from us that sold more recently. I asked for them to tell the appraiser he made mistakes. The valuation team would not consider the comps or address the issues with the appraiser. I had another independent appraisal performed afterwards that valued the home above my estimate. I offered to provide the appraisal and Better would not take it. The processer began threatening to withdraw the application if I did not accept the appraisal and continue providing documents. They never refunded the difference between the {$500.00} estimated appraisal fee I paid and the actual appraisal cost.
Consumer complaint received 2019-08-06
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. (NC)

I submitted a complaint on XX/XX/XXXX for items that were incorrect on my credit report. The response received from the credit bureau, 30 days later was that the creditors were still working on the disputes. After 60 days the response was " The creditors have verified that this information is correct and we have accepted their response. '' How did they verify that it was correct? Did they send documents? Signed contracts with wet signature? There needs to be documented proof. 
I have asked for the process by which these accounts were " verified '' and to date, have not received anything. It's like the creditor just sends a response " verified '' and the credit bureaus take their word for it without documented proof. Listed below are the accounts on my Equifax Credit Report that I am disputing. The information being reported is NOT true and accurate! Provide me with documented proof of the late payments, etc. on how these accounts were verified. 

1. XXXX XXXX - This is a FRAUDULENT Account! I have never applied for credit with this company and I did not/do not own an XXXX XXXX card. I am not liable for this account. Please Delete this account immediately. 
2. XXXX XXXX shows 2 late payments on XX/XX/XXXX and XX/XX/XXXX - I have never paid this account late. Please remove the late payments. 
3. XXXX XXXX shows 2 late payments on XX/XX/XXXX and XXXX XXXX I have never paid this account late. Please remove the late payments.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I am in the XXXX on XXXX for XXXX program. In XX/XX/XXXX I received a SSN and was approved for SSI. I am an elderly war refugee who relies completely on the SSI payments. On XX/XX/XXXX my daughter helped me to open 360 checking account with Capital one. We submitted all the information online, including social security number and gone through the entire process to set up a new checking account so I can deposit and use SSI payments for rent and food and other living expenses. The account was opened and a debit card was sent to me. I received an email that I can deposit the check within 90 days of account opening else the account will be closed. So I deposited my SSI check. And capital one gladly took the money off the check and processed the funds to my account within 2 days .To my great surprise when I went on XX/XX/XXXX to withdraw the funds, the card was taken away by the ATM and my account got frozen. When my daughter called to talk to the bank, they were unwilling to release the funds, said there was some investigation for fraud going on and they were unsure how long it will take and what would happen to my funds. They said at some point someone will reach out but they could not let me know how long this process will take and how I will be contacted. Meanwhile I am out of the SSI funds and am unsure when I will have access to them. I am looking for any help anyone can provide me so I can get back my funds from Capital one and pay for my living expenses. If they could not verify my identity, they should have not let me deposit the funds. I would have gone to a different bank.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. Also, the creditor I talked to agreed to repair the account in my file. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX XXXXE XXXX
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc (CO)

I get 5 to 7 calls a day from affirm on my work cell phone through out the day everyday. Last person i talked to was rude and i couldn't understand him and he threatened me saying it would be put in collections if not paid. I was out for 2 weeks with XXXX for the 3rd time and i tried there site and it said i didnt qualify. I have all the phone documents and XXXX XXXX to add to this complaint. I emailed and chated online to stop the calls and its still happing. I have paid half the loan off and could not due to out of work for XXXX Now im back to work but they will not work with me and still call my work phone while im at work. Today i chatted with them and they claimed they were not making mulitple calls and i have the logs here. They lied to me about the calls and i pointed that out but i cant send them nothing to show it on there chat. And when i call each number back it says affirm message and hangs up. He said they would not repeat calls and at the same time of the chat another call from them came in from a different number. So he lied about calls and harrassment calls.
Consumer complaint received 2022-10-16
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX # 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX my score dropped by 58 points. Tranunion can provide no clear reason as to why. All payments and accounts have been current in XXXX. In fact I have not had any late payments since XXXX. There was an error from USDA  in XXXX of XXXX, but the USDA corrected the issue at the beginning of the year. I have contacted Transunion and they also advised the error was corrected. But can not explain why my score was dropped 58 points. The report on their website does not provide details for the decrease. The only info I can find is on XXXX XXXX where it says there was a missed payment with the USDA, which shows corrected, but still decreased my score.
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

Citizens bank funded a system that was a trial done by my ex and they claim I owe the debt XXXX from the office of the chairmen assured me that the would try debt collection but this would not go on my credit but I checked my report and I lost XXXX points due to them reporting this to my credit
Consumer complaint received 2021-12-15
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. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX  days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be XXXX % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-15
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. (VA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-15
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: Resurgent Capital Services L.P. (PA)

I have reviewed my consumer report and find that LVNV funding is still reporting after a cease and desist letter was sent to them on XX/XX/2021. The letter specifies no third party communication. Not only that, the account was deleted and reinserted without notice to me the consumer in writing under 15 USC 1681i ( B ) ( ii ). They also have not given me the right to validate the alleged debt by sending an audit trail for validation.
Consumer complaint received 2019-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a complaint on XX/XX/XXXX for items that were incorrect on my credit report. The response received from the credit bureau, 30 days later was that the creditors were still working on the disputes. After 60 days the response was " The creditors have verified that this information is correct and we have accepted their response. '' How did they verify that it was correct? Did they send documents? Signed contracts with wet signature? There needs to be documented proof. I have asked for the process by which these accounts were " verified '' and to date, have not received anything. It's like the creditor just sends a response " verified '' and the credit bureaus take their word for it without documented proof. Listed below are the accounts on my Transunion Credit Report that I am disputing. The information being reported is NOT true and accurate! Provide me with documented proof of the late payments, etc. 

XXXX. XXXX XXXX - This is a FRAUDULENT ACCOUNT! I did not open up nor have I ever applied for an XXXX XXXX Account. This account needs to be deleted! 
XXXX. XXXX XXXX shows 2 late payments - XX/XX/XXXX and XX/XX/XXXX. I have never paid this account late. Since the account has been paid in full, the creditor refuses to make the correction.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.