davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
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. (MN)

Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Ph # : XXXX Email : XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX This letter is to inform you that I received today that you have resolved the incorrect reporting to my XXXX  report, that was now corrected after filling a complaint with consumer reporting. I now have attached documents to show that you are now reporting incorrectly for Equifax, I am now opening up another complaint, I dont know why you guys cant seem to report accurately that this account is closed down since XXXX. I now show that you have reported that I made an active payment in XXXX of XXXX. How can this be possible if the card has been closed since XXXX. I will now file a complaint with the creditor, the consumer complaint department, XXXX  ; until you also resolve this matter. I have attached a copy stating that it was an error on your end and the account wasnt closed down entirely which created the inaccurate payments to my credit report. I am requesting and demanding you also correct Equifax as now my score has dropped due your oversight, and if the same things happen to my XXXX  report I will open up a dispute on that account as well. 

PLEASE REMOVE ALL PAYMENTS/ MISSED OR NON-MISS PAYMENTS FROM THE YEARS XXXX & XXXX. AS THIS ACCOUNT HAS BEEN CLOSED SINCE XXXX.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from RADIUS GLOBAL SOLUTIONS : XXXX. Validation of the Debt ( the actual accounting ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and California State Statues for Lawful Purposes. 
XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act 1997 and the Administration of Justice Act 1970 S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX, grantee, beneficiary All Rights Reserved
Consumer complaint received 2021-08-09
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)

I have sent several letters asking them how they verified a bankruptcy and always come back as verified accurate, I call the local US bankruptcy court and they have emphatically stated that NO ONE for any of these Bureaus, XXXX, TRANSUNIOON or XXXX  have called once to verify the information. They are using a third party data base as i am thinking to gather or verify this type of inaccurate information.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

A security freeze I put in place through Experian I thought was designed to prevent unauthorized inquiries. How I am unauthorized access or unable to grant access without " a written letter '' or alleged " upload '' of current ID, of which is improperly designed, not secure, unsafe with " XXXX '' extensions, and does not run, is clear and confusing to complainant and is in violation of my right to my privacy. And anyones ability to " access '' a " credit file '', from a browser without logging to site w cc a payment and " security '' responses -REALLY! ACCESS IS R/W? I AM STUNNED AT THE XXXX  OF ALL THIS.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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: WELLS FARGO & COMPANY (NJ)

I would advise you that the company 's actions in refusing to correct the violations and inaccuracies on your credit report, and then subsequently changing the information that was reported, may be in violation of several provisions of the Fair Credit Reporting Act ( FCRA ).

First, under section 611 of the FCRA, credit reporting agencies ( CRAs ) have an obligation to investigate disputes submitted by consumers and to correct any inaccurate or incomplete information that is discovered as a result of the investigation. By refusing to correct the inaccuracies on your credit report, the company may be in violation of this provision.

Additionally, under section 616 of the FCRA, CRAs are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. By changing the information on your credit report without conducting an investigation or without providing notice to you, the company may be in violation of this provision.

Furthermore, under section 615 ( a ) of the FCRA, CRAs are required to provide consumers with a notice of their rights under the FCRA upon request, including the right to dispute inaccurate or incomplete information in a credit report and the right to receive a copy of the credit report. By not providing you with such a notice, the company may be in violation of this provision. 

refer to the picture that BEFORE and after our conversation.
Consumer complaint received 2023-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I Have fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX and Capital one on XX/XX/XXXX. I have tried multiple times to contact these creditors and XXXX regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2020-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (FL)

My XXXX year old son took my phone without my permission and transferred {$500.00} to a random person on zelle thinking he was buying a XXXX. He told me this person blocked him after and lost all of my money. I was so furiated. had no idea this occurred as I was busy on my laptop. I immediately reacted by calling my bank to say an unauthorized charged occurred. I just want to get my money back. It has already been removed from my bank and I have already filed a dispute. If this dispute doesnt return my money what do I do!? I did not allow for this to happen and i have no idea who the person is he even sent the money to on zelle. I have pictures of their conversation on XXXX. I believe this person is a scammer under a fake name. I will include them
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2023-01-28
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. (IL)

I Have fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have tried multiple times to contact these creditors and Transunion regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.
Consumer complaint received 2023-01-28
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. (TX)

Equifax Removed Things From Account Which should have removed all of the deragragotory information still showing and I'm Seeing That They aren't providing the correct credit score either and I just got an adverse letter from XXXX. Nothing In XXXX XXXX aligns up with what Equifax is Showing me in my account. 

My Equifax Score is XXXX as of XX/XX/2023 In Adverse Letter From XXXX It says they pulled my credit on XX/XX/2023 and my score is : XXXX as of XX/XX/2023 So why does XXXX XXXX show one score in my equifax account on my credit report dated XX/XX/2023. 

And another score with totally different score of XXXX and all my old negative account information on XXXX Adverse Letter of Denial.
Consumer complaint received 2021-02-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank - they call no less than 5x a day, have contacted my husband several times, my sister-in-law, my mother-in-law, etc. I have asked them several times to quit calling other people to contact me, I've also sent documentation showing the account as paid and the debt not owed. PLEASE HELP ME MAKE IT STOP! They are ruining my relationships and my reputation.
Consumer complaint received 2018-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WY)

In XX/XX/XXXX  and XX/XX/2017 I was told that as a XXXX  I qualified for loan forgiveness. Either I called them or they called me, but I was told that I would be forgiven over {$7000.00} if I enrolled in this program. So they guided me through to help me get signed up, I believe that the company was federal student help? They told me that it was an income driven repayment plan, but they assured me several times that my payments would never change. I asked several times to make sure that this was the case and they assured me that that was how the forgiveness worked, pay them for ten years and the government forgave what was not paid after that time period. at the end of the ordeal I was promised payments of {$62.00} for the next ten years. 

I was seriously misled. and I have paid way more in stupid extra fees than I ever would have otherwise.
Consumer complaint received 2018-04-03
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. (WA)

I had a late payment ( {$920.00} ) on my double-cash card from Citi Bank ; I missed its due because I thought I already setup the autopay, but it's reset/disable for some reasons. However, I did make a payment successfully onXX/XX/XXXX, but my card is closed by the bank on XX/XX/XXXX, without notify me their decision.

I didn't know my card was closed until recently ; I requested my credit score reports from XXXX   ( XXXXXXXX ) and noticed that this card was closed ( i.e., Account closed at credit grantor 's request. ). I called their customer service twice, but they said it's unable to reopen my card.

This event affected my credit score significantly because of delinquency, and I do want to reopen this card again. Thus, please help me to negotiate with Citi Bank on this issue.
Consumer complaint received 2018-04-03
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 have notify all 3 credit bureaus to dispute information on my report I specifically state to them I am disable and receive government assistance meaning XXXX and XXXX so I shouldn't have a bill. They would delete the account and then put it back on my report or they would state its verified as mines.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

The target red card is one of the worst cards I ever had. They never gave the promotion of {$40.00} when opening up an account. Their store credit card half of the time doesnt work when purchasing in store. their APR was a lie. Everything about this card is terrible. as I requested so many times for them to send me paper bills they never do. They never send me their agreement policy of the APR rates. I will never open card with target again. When account was opened didnt either check state ID. had to report my card l stolen a couple of times. I called customer service to close my account and they are refusing to close my account as a customer. I have a right to ask for my account to be closed. I do not want to do business with them ever again. Once my balance is paid off the remaining, I am going to ask the credit bureaus to delete Target from my credit report. For advertising promotions that dont even exist.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (NJ)

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., permission. 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX Original creditor XXXX XXXX XXXX/ XXXX Balance : {$1400.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2021-02-22
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. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity thef
Consumer complaint received 2024-02-22
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (KS)

To whom it may concern, I initially reached out to Flagstar Bank ( corp office in MI? ) around XX/XX/2021, with regards to refinancing a couple of current mortgages I have. One of my mortgages was with another lender, and the other with Flagstar Bank already. 

I was immediately contacted by phone from a representative of Flagstar Bank. The individual provided an initial phone interview and gathered some information from me. 
He also informed me that the whole process would take about 90 days or less to complete. A day or two later, I was contacted by email & phone from a mortgage loan processor. This person explained her role and advised me that she would need to collect additional pieces of information/documents from my wife and I, in order to proceed. 
I'm being upfront and letting it be known that my finances are bit more complex than the average person 's, but my credit score is good-great, and my wife 's is great!

Over the next couple of months, I received periodic contact from the loan processor requesting additional ( redundant ) information. I followed along, thinking this is normal and was in range of the 90 days or less timeframe. 

Several weeks went by with little to no communication from Flagstar. I followed the " Timeline to Close '' meter on their website as it pertained to my loan request status. As this meter stayed the same for several more weeks, I began to worry and sent emails to the representative and processor for updates. Numerous email communications I sent were responded to. Occasionally, I would receive other emails from the processor requesting additional ( redundant ) information, requested by the underwriters. 
This went on for several more weeks. 
Finally, my loan refi request I had with the other lender was " approved with conditions. '' The loan was closed on around the middle of XX/XX/2021. A bit more than 90 days. 

Now, for the current loan that I have with Flagstar and the request to refi. Today is XX/XX/XXXX ( nearly 140 days later ). I have still not received much communication or response to my email status update requests. From the little email correspondence I receive, it is requests for the same information I have already provided to Flagstar. I'm told that my records have expired and Flagstar needs updated information, including to pull another credit report on my wife and I. Why?

My response to that is it's not my fault that Flagstar is dragging this whole process out. I still do not know exactly what sort of timeframe or even if a decision has been made considering my request. But yet again, this is the current loan I have with Flagstar I'm requesting to refi at a more competitive APR.

I have sent a request on Flagstar 's website to be contacted by some other contacts than the initial person 's assigned to me. This whole process has been completely frustrating and un-professional. If I have a choice, I will never do business with this lender again. 

XXXX
Consumer complaint received 2018-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (TX)

I have a Chase total Business checking account as well as the Chase Premier checking account. There had been a lot of struggle for Chase to unify the customer profile and still the issue was not fully resolved. Ideally Chase should not outsource the IT jobs and hire some good quality ( not cheap ) IT folks here to fix these kind of trivial issues.

Due to all these challenges - I decided to close both of my accounts. Prior to that - I transferred the money out of my accounts. Also sent an email via Chase secure message center to close my account.

Rather than closing my total Business checking account - Chase keep on saying - come to the branch to close the account etc ... and further put a {$12.00} fees as monthly maintenance fees ( yes, of course when somebody wants to close the account due to poor customer experience they will take out all the money and then close the account ).