davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (CA)

I was a student at XXXX college when the school closed, XXXX of the XXXX colleges. I am stuck paying my private loan in full. How can I get this loan wiped or reduced? My loan was from XXXX but changed their name to UAS. They do not seem like they want to help.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (NC)

In accordance with Fair Credit Reporting Act XXXX Account # 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
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (IL)

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

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand 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. 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-18
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: HW Holding, Inc (MD)

I called the company several times and explained that the account does not belong to me. I called all three credit bureaus and reported incorrect information on my report. I submitted a paper dispute to all three credit bureaus and asked for the incorrect information to be removed from my credit reports. I wrote to the companies as well and requested to have the account removed from my credit report. This is an error. My last name, my social security number and birth date does not match the person that owe this debt.
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MA)

United Wholesale Mortgage Company has not paid my homeowners policy, and allowed it to lapse this was after they sent me an email guaranteeing me they would pay the amount owed. I then received a letter from XXXX  stating they purchased a policy for me due to nonpayment. I called the customer service number and spoke to XXXX XXXX who again guaranteed me they would send a payment overnight. That was on XX/XX/2022 and the payment has not been made. I have all of the email communications between my insurance broker, and the XXXX customer service team.
Consumer complaint received 2021-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK (NE)

On XX/XX/2021, I opened an account with XXXX and deposited 3 checks, totaling {$1400.00}. 

My decision to open an account with XXXX was made after ending my relationship with my former bank, XXXX. Considering that I had 3 checks to deposit, I selected XXXX as a convenient, online way in which to achieve this. 

The details of each check deposit are as follows : {$1.00} ( check number XXXX ) ; final disbursement of funds from my XXXX account closure {$890.00} ( check number XXXX ) ; payroll check from my employer {$550.00} ( check number XXXX ) ; settlement from at-fault partys insurance company following a vehicle collision. 

I received email notifications that the checks were approved, but my pending account balance did not reflect the deposits I had made. 

On the evening of XX/XX/XXXX, I received an ominous message to explain that a hold had been placed on the funds related to one of the deposits ( the {$1.00} check from XXXX XXXX while XXXX processed my check. As per the attachments below, the message stated that the full amount ( presumably {$1.00} XXXX would be available within five business days. 

I did not receive similar messages that indicated a hold was to be placed on the other two checks. 

On XX/XX/2021, while attempting to check the progress of my deposits, I found myself unable to log into my account online. 

Upon calling XXXX support team, I was told that my account had been closed for business reasons, and that I would receive a check for the balance of my deposits, along with a letter to confirm the accounts closure, in the mail. 

When I attempted to expand on the reasoning behind the accounts closure and request more information regarding the status and location of my money, the representative refused to give me an explanation. 

Upon asking whether the representative/institution could send an email to explain the situation, the representative declined to do so, and did not provide a reason for the banks inability or unwillingness to do this, despite my multiple requests for such during the call. 

I am now in a position where the entire balance of my account is held at the mercy of XXXX unexplained processes and actions, and I fear that my funds have the potential to be subject to theft by this institution.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) ( XXXX ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION (CA)

1. Loan Denied, they said my debt to income ratio was too high. When I do the calculation I fall within their range. I showed them where a mistake was made and it was ignored. They would not give me any info on what figures they used for there calculations. The one mistake that I pointed out too them was, they added my insurance and taxes on top of my mortgage payment and those numbers were already included in the mortgage payment. I even mad an attempt to remove one of my debts and it was ignored.
Consumer complaint received 2018-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BB&T CORPORATION (FL)

RE : Bb & t bank XXXX XXXX XXXX XXXX XXXX, FL XXXX Website : www.bb & t.com Transaction Date : XX/XX/2018 Amount Paid : XXXX Payment Method : Prepaid Debit ( such as XXXX XXXX XXXX or others ) Subject : Bank Bb & t bank let XXXX XXXX and XXXX XXXX take money out my account with out my concentXX/XX/2018 XX/XX/18 BB & T Balance Debit {$1400.00} XX/XX/2018 I want my money back XX/XX/18 BB & T Balance Debit {$540.00} XXXX i want my money back
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MO)

XXXX is reporting 2 credit card accounts as " Card Over Limit ''. One of these is a XXXX XXXX and the other is a Citi Bank Card. I have contacted both XXXX and Citi Bank and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted XXXX  and they are doing nothing to correct these errors.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I'VE NOT ONLY CALLED EQUIFAX I'M SENT MAIL THE PAST YEAR IN REGARD TO 2 UNAUTHORIZED INQUIRIES ON MY CREDIT FILE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Experian is reporting 2 credit card accounts as " Card Over Limit ''. One of these is a XXXX XXXX and the other is a XXXX XXXX  XXXX. I have contacted both XXXX and XXXX XXXX  and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted Experian and they are doing nothing to correct these errors.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (NC)

My birth name is : XXXX XXXX XXXX. This company ; Checkr, did a bank ground check for a potential employer ; XXXX. The report entailed erroneous info with 3 different alias ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These different names are not XXXX XXXX XXXX, I dont know them and have no affiliation with them. Additionally, the information contained in the report was for those people and not me.
Consumer complaint received 2021-04-24
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was going over my CREDIT REPORT I found addresses that I never lived at. please delete the following XXXX XXXX  XXXX XXXX OH,XXXX-XXXX XXXX  XXXX XXXX  OH,XXXX  XXXX XXXX  OH,XXXX XXXX  XXXX XXXX OH,XXXX.
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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. (FL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/2020 Citi Costco Visa received {$2300.00} directly from my bank, but failed to credit it to my account, crediting it instead to the wrong account. This was established in a 3-way call with Citi, myself, and XXXX XXXX. It took many calls and many hours on the phone to get Citi to finally credit my account for their mistake, which did not occur until XX/XX/2020. They refuse to correct their record to show they received my payment on XX/XX/2020. I have always paid off the entire balance of my card monthly until their error. Meanwhile I applied for a vehicle loan and Citi 's internal error negatively impacted my credit score. I'm concerned that elderly or frail people would not be able to navigate the phone tree to confront this kind of apparent fraud.
Consumer complaint received 2017-08-24
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: Experian Information Solutions Inc. (MO)

after disputing the following debts with Experian 4 times and XXXX and XXXX 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( XXXX, Experian & XXXX ) to have PHYSICAL COPIES in THIER files of documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( Experian, XXXX & XXXX ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since XXXX, XXXX & Experian can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX  be removed from my credit reports.
Consumer complaint received 2022-09-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

I am applying for a refi loan with XXXX and was told application to close generally takes 2 weeks. It took a month to get the appraisal done and were now on week 6 with no answers from the company. I have contacted the two representatives I have worked with several times but will not get an answer back no matter how many times I call. I will however get requests for frivolous paperwork as well as paperwork that has already been submitted. I have emailed to have certain debts be paid from the refi and the remainder be cash out for home repairs. They have yet to correctly send disclosures with the correct debtors to be paid. I started this process with specific things to be done under the timeline promised to me by the company and now Im not even sure it will go to closing because they keep requesting new things without doing their part. I have names and nmls available upon request
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (WI)

I paid my full amount due on XX/XX/XXXX to my Indigo Mastercard, no late payment, the payment is posted, bothe on the card and from my checking account, but I have no available credit through the card yet. The website says payments posted take 24 hours and they said it will take up to 14 business days for my credit to be available.

I have other credit cards and they post within 2 days at most.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have checked my credit report and saw a late payment that I was not aware of. I always make sure to pay on time. Below is the late payment appearing XXXX  XXXX I wanted this late payment appearing removed from my credit report.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have checked my credit report and saw a late payment that I was not aware of. I always make sure to pay on time. Below is the late payment appearing XXXX  XXXX I wanted this late payment appearing removed from my credit report.
Consumer complaint received 2020-07-18
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: Bread Financial Holdings, Inc. (MO)

This account does not belong to me. It is a fraudulent account. When I spoke to the company about the account, they said they would close the account and remove it from my credit report. They did close the account but did not remove it from my report. I have had a fraud alert on my report for many years due to multiple fraud charges being placed on my account. I disputed the account with the credit bureaus and was told it was updated. This account originated in another city. I have no knowledge of this account what so ever and want it removed from my reports.
Consumer complaint received 2019-06-02
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. (IN)

I have disputed the late payments on the accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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, Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX  acc # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-24
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)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.