davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (LA)

SoFi was offering a {$300.00} incentive to set up direct deposit in a Checking and Savings account, and deposit {$5000.00} within 30 days. I used to have a brokerage account called " SoFi Money, '' but not their new Checking and Savings account. 

Per the terms and conditions I was given on XX/XX/XXXX : " Eligible Participants : All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checkings and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account as of the beginning of the Promotion Period are eligible for the Program. '' Please see page 7 of the attached pdf.

I requested access to the new Checking and Savings account on XX/XX/XXXX. 

The following day, XX/XX/XXXX, I logged into my SoFi account and was greeted with display offering this same {$300.00} bonus. I wanted to double check, so I spoke with SoFi 's chat support. A live agent named XXXX XXXX informed me that I was eligible. Please see jpg files 1 and 2. 

On XX/XX/XXXX, I reached out again to SoFi chat support because I had expected the {$300.00} bonus to be deposited by then. A live agent named XXXX XXXX apologized that I hadn't received the bonus yet, and said it would be awarded " in a couple of days. '' On XX/XX/XXXX, I called SoFi by phone. I was informed that I was not eligible for this bonus, and that I had been misinformed. The agent I spoke to told me that it was their fault I had been misinformed, but the bonus would still not be awarded. I asked to speak to someone higher up. 

I then spoke to XXXX XXXX. She told that direct deposit activity on my old " SoFi Money '' brokerage account disqualified me from earning this bonus. I pointed out that there was no such language in the terms and conditions that I accepted. She said that there was language specifically excluding customers like me on their website now, and that they reserve the right to change terms and conditions at any time. 

I pointed out that this was unfair. I reminded her that they admitted this was a mistake on their part. I also pointed out that " changing the terms and conditions at any time '' would allow them to refuse the promised bonus to any customer at any time. Ultimately, XXXX and I could not come to resolution. 

I feel like this is a bait and switch. I did my due diligence, I followed the rules as presented to me when I accepted their offer, and I verified multiple times that I was eligible for the promotion. It's only after I deposited three consecutive paychecks ( and bolstered their balance sheet for investors ) that they now say they changed the rules and I don't qualify for the bonus.
Consumer complaint received 2022-07-15
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX RE : XXXX XXXX XXXX. XXXX Complaint : Incorrect credit file information reported to Credit Reporting Agencies Credit File : XXXX XXXX XXXX, XXXX Loan No. XXXX Complaint : XXXX XXXX is erroneously reporting a late payment for XX/XX/2022. 
Request : Correct reporting to show no late payments This letter and the attachment provided are hereby filed in order to correct my credit bureau information which is showing a late payment for the month of XX/XX/2022. See the attached declaration and proof of service pursuant to California Evidence Code Section 641 which says in pertinent part : In California, items that are served via the US Mail that are properly addressed and include the correct postage are presumed to have arrived in the ordinary course of the mail. In other words, California law assumes that the US Postal Service will deliver items in the normal course of its operations, provided that the address indicated and postage used are correct. 

The legal authority for this is Section 641 of the California Evidence Code, which states : A letter correctly addressed and properly mailed is presumed to have been received in the ordinary course of mail. 

Please update my credit file forthwith or we will begin additional legal remedial action in order to correct the error currently being reported. 

Best Regards, __________________________ XXXX XXXX XXXX
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (FL)

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

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

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (AL)

SOMEONE STOLE MY IDENTITY AND HAS A LOT OF FRAUDULENT ACCOUNTS ON MY PROFILE. THIS IS NOT RIGHT CAN SOMEONE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am writing to formally express my dissatisfaction and frustration regarding the numerous attempts I have made to correct an error on my open account and have a late closed account removed from my credit report. I believe there has been a misunderstanding, and I kindly request your assistance in resolving this matter promptly.

I noticed that there was an error on my open account with Credit Bureaus. It was reported as delinquent, which is inaccurate since I have consistently made on-time payments. I immediately contacted your customer service department to rectify this issue. However, despite numerous calls and written correspondence, the problem has not been resolved.

Additionally, there is an account marked as " late closed '' on my credit report, which is damaging my credit score. I have no record of this account, and I believe it has been erroneously added to my report. I have also made several attempts to have this account removed, but to no avail. 

Resolution Requested : I kindly request that you take the following actions to address these issues : Correct the open account status to accurately reflect my on-time payment history.

Investigate the origin of the late closed account and remove it from my credit report.

Provide me with written confirmation once these issues have been resolved and the changes have been reported to the credit bureaus.

Ensure that no further negative impacts occur on my credit report due to this matter.

I understand that errors can occur, but it is essential that these issues are resolved promptly to avoid any further damage to my creditworthiness. I trust that [ XXXX XXXX ] takes these matters seriously and will work diligently to rectify this situation. 

Please consider this letter as a formal notice of my complaint. I expect a response within [ reasonable time frame, e.g., 30 days ] from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. Please assist me to correct or remove the following accounts : XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX Balance Owed : {$130.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately.
Consumer complaint received 2022-05-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I sent to Equifax a dispute outlining an inaccuracy reporting on my credit report. The account reporting is a 60 day late payment. I have brought this account and the error being housed to Equifax attention on several different occasions ( see attachments ). The response for each letter send has been untimely violating my rights and sometimes my letters were not addressed at all. The most recent response I received from the agency stated that the incorrect information on my credit report had been verified as correct. I immediately on XX/XX/2022 sent a letter to the company aforementioned asking them to inform me on what method did they use to verify the information as the FCRA Sec 611 ( a ) ( 5 ) ( A ) and FCRA Sec 611 ( a ) ( 6 ) ( B ) ( iii ) states in THE NOTICE OF RESULTS OF REINVESTIGATION section. I have not since received ANY response from Equifax telling me the method in which the investigation was handled in order to come up with the conclusion it has. I can now assume that no such investigation actually occurred violating FCRA and 15 U.S.C laws. I know that the information this company has provided is false and a error had occurred on the end of the company involved because all of my accounts are on autopay. I also contacted the creditor and they were not able to provide me with proof of this information either. I have worked hard to receive the credit rating I have and am very confused as to why this error has occurred. I would like the correct information reflected on my credit report as I rightfully deserve.
Consumer complaint received 2022-05-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I disputed the information on my credit and received a credit report informing me that the incorrect information listed on my credit report was corrected and deleted along with the inquiries. My information was compromised by XXXXXXXX XXXX XXXX information leak. I have been fighting strenuously to get the information corrected while battling stage XXXX XXXX. I DO NOT NEED THE EXTRA STRESS! After I was notified by Transunion that the information was deleted, my credit score DECREASED substantially!!! They deleted XXXX major items on my credit along with a lot of inquires and it went down almost XXXX points. It's not making sense!! My credit score should've definitely increased!!!
Consumer complaint received 2022-06-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

This was not sent in error, I am XXXX XXXX a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information
Consumer complaint received 2024-09-23
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. (MN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Monterey Financial Services LLC (RI)

XX/XX/XXXX while applying for a mortgage my lender informed me of a previously disputed collection found on my credit from XXXX. Upon reviewing my credit file, I noticed a new collection placed XX/XX/XXXX from XXXX on my credit report with myself as a co-borrower associated with MONTEREY FINANCIAL, which was inaccurate. 

To begin, Ive never disputed nor heard of this collection so I immediately & directly contacted : { MONTEREY FINANCIAL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA ( XXXX ) XXXX Account Number XXXX Date of XXXX Delinquency Unpaid XX/XX/XXXX Original Amount {$16000.00} XX/XX/XXXX Balance {$29000.00} } at the number provided on my credit report. After providing my name, address, and Social Security number, the representative confirmed that they have no records of me in their system. This discrepancy strongly suggests an error in reporting with XXXX. 

Furthermore, I would like to point out the following facts to support my complaint : - Collection company could not verify me - I have never traveled to the country where this timeshare or transaction allegedly occurred. 
- In XXXX, the reported timeframe of this activity, I did not possess a valid passport, further proving I could not have been involved in this matter. 
- I, XXXX XXXX have never previously disputed this account on any of my credit reports. 

I have now asked both the collection company and XXXX being the only reporting agency reporting this information to please resolve this but have had XXXX explanation to my concerns.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and Account name XXXX FOR XXXXXXXX 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 2022-06-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc. (CA)

Aqua Finance is taking auto payments from my bank account for an account. They auto debit $ XXXX. Some promo ended which increased the payment to {$36.00}. They did not send an email to let me know of the change. They say i was sent a statement via mail, and that may be the case however all previous statements are to remind me that an auto debit is about to occur. I would have no reason to believe this would be any different.

In the past, they have called and emailed me when my auto debit failed. This time, Aqua Finance reported me late to all credit bureaus, even though they are receiving auto debits on time for the original {$24.00} amount they set up as recently as XXXX of this year. The terms changed in XXXX to {$36.00}.

I called and requested they change the amount of the auto debit to {$36.00

} and remove the late payment from the credit bureaus, since they have been receiving payments on time and that I was not emailed ( my primary method of contact ) of the change. They refuse to remove the late payments. I need help asap!!!
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Reporting inaccurate late payments. 

( a ) Time to make payments A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-09-23
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Phone : XXXX Dear TransUnion, I am writing about an account on my recent credit report. 14 days ago I had disputed fraudulent accounts on my credit report. On my updated credit report I see that I have a collection account from XXXX XXXX XXXX. This account is a fraudulent account I never had any debt with this company or credit XXXX bank. I ask the company to provide me documents but they never did. I had contact my lawyer about this wrongful doing to my consumer report and plan on taking legal action against this company. I been having hardship because of this fraudulent account on my report. My request is to remove the collection account from my credit report under the FCRA law fraudulent accounts have to be deleted from my consumers report and that I'm not liable for any fraudulent debt. This account has impacted me in my daily life. 


Account Name : XXXX XXXX XXXX Account number : XXXX Date open : XX/XX/year> Balance : {$640.00}
Consumer complaint received 2022-06-06
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)

I SUBMITTED A COMPLIANT IN XXXX REGARDING ACCOUNTS REPORTING TO MY CREDIT REPORT THAT WERE DUE TO IDENTITY THEFT AND EXPERIAN IS STILL SHOWING A CELL PHONE BILL THAT SOMEONE OPENED WITHOUT MY CONSENT.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.