davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Social Finance, Inc. (IL)

On XX/XX/XXXX, there were two inquiries on my account. One was from XXXX and the other SoFi Lending Corp . Someone tried to open two credit cards in my name. XXXX denied the card and sent me a letter and upon calling them immediately removed the information from my credit report. SoFi Lending Corp - did not have my correct address ( I've lived here XXXX years ) and opened an account in my name anyway. Upon calling them they froze the account. I filed a police report. SoFi reported to XXXX that the information is accurate. This is the information on the XXXX website. The information is not accurate as two addresses were provided - XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX. both in XXXX, Illinois. Again, I have NEVER lived at either of these addresses so the information is NOT accurate. Someone opened a card in my name. I want it removed. Additionally, when I called and spoke to XXXX XXXX, an investigator at SoFi Lending Corp, she sent me a letter overnight saying my " loan ''. There was no loan opened only a credit card. This company does not seem legitimate and she refuses to call me back anymore. Her direct number is XXXX. This is a shady company. They lied to XXXX. I opened a new dispute with XXXX. I mailed copies of both the police report and the SoFi letter because for some reason the XXXX website would not let me upload the documents so I mailed them via USPS mail. I need this removed. This was issued under false pretenses. I will call these people every day and hound them until the day they remove this. 

SOFI XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Consumer complaint received 2021-06-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX I deposited 2 checks thru an atm at BOA into my personal checking account at BOA.. both checks were drawn on local banks from tenants who have been paying me for long periods -- one for 15 years and the other for over a year, amounts were the usual monthly deposits ( nothing out of range ) .. there have been no history of failure to pay from these payers or their accounts.. the amounts were roughly XXXX and XXXX and I had over XXXX XXXX  in my checking account.. I received notice from BOA that the checks ( local banks mind you with good history ) were going to have a 7 day hold, including a weekend which now became a 10 days! the next day I deposited another XXXX and it was only held for 2 days ( the usual ) usually BOA has a 2 day hold which is reasonable.. I feel this hold is excessive, arbitrary and wrong. and was automatically done by a machine and customer service refused review it or to discuss with me, they hung up on me.. it jeopardizes my ability to get my mortgages paid ( all due the XXXX at the latest ) the hold ( is so long.. I want to know when those checks cleared!
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

Please accept this formal complaint against Citi Cards, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I have two credit cards with Citi Card. On card ending in # XXXX my XX/XX/XXXX statement payment was due on XXXX XXXX, a Saturday. Payment was taken from my checking account XX/XX/XXXX. On my XX/XX/XXXX statement payment was recorded as received on XX/XX/XXXX, a Monday, along with a late fee of {$29.00}. I reached out for assistance from Citi Card sharing my information on the payment and they said I was late period. I am not aware of any financial transactions that can be completed on a weekend since the Federal Reserve is closed. The funds personally left my position/account on XX/XX/XXXX, prior to the due date. Citi Card refused to remove the late fee of {$29.00}. Please see attachments marked XXXX pmt. 
I feel my method of payment is being discriminated against. I tested a similar transaction on a Saturday by going to their website and initiating a payment to Citi Card from my checking account on XX/XX/XXXX, a Saturday. Citi Card recorded the payment received from me on same day, but the funds were not received by Citi Card until XX/XX/XXXX, a Monday. The same day taken from my checking account. This was not considered late, but Citi Card is receiving the dollars on the following Monday in both situations. Please see attachments marked Example test. Why are they treating these payments differently? 
I have been a customer of Citi XXXX since XXXX. In XXXX I opened a second credit card with them. When reviewing the last few years spend, on average it is approximately {$16000.00} per year. I pay in full and timely all my obligations. The merchant fees they earn on my purchases are an estimated {$480.00} per year approximately {$3000.00}. So, for trying/forcing me to pay a {$29.00} late fee they are willing to risk losing a loyal customer. They took it even a step further and reported me late to the credit bureaus I recently discovered. I recently applied with a new vendor for credit and was denied because of their false reporting. I started earning credit forty-three years ago and have NEVER missed a scheduled payment. My credit rating has always been exemplary. Its disturbing that Citi Card can tarnish this and prevent me from doing business for {$29.00} late fee that I feel is charged in error. I paid timely. 
Please help me have Citi Card recognize that my payment was made on time, just like the example test transaction that I completed. I request that they also reach out to all credit agencies and correct/remove what they reported in error ( which I am also told was vague late payments ). 

Thank you for your time and consideration,
Consumer complaint received 2022-09-20
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. (GA)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect XXXX ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect XXXX ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason XXXX I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account XXXX ) and the date opened being reported ( XX/XX/XXXX ) is wrong. 
Please remove this account. 

Please see the attachments for more added detailed information pertaining to this investigation. Thank you!
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

Mortgage with PNC Bank. Our taxes and property insurance are escrowed. Our property insurance renewal was XX/XX/XXXX. PNC failed, and admits that it failed to pay the insurance renewal, therefore our property insurance was cancelled. We have been without any property insurance since XX/XX/XXXX. An error resolution notice under 12.C.F.R Sec 1024.35 was sent via certified mail to the proper address for PNC Bank . PNC acknowledged receipt of the letter and on XX/XX/XXXX sent correspondence admitting that it was their fault that the policy renewal was not paid, but has done nothing to rectify and/or correct this situation. Additionally, PNC has been sending us letters of warning that they will be putting into effect force-placed insurance to for the policy lapse, and charging it to our escrow account. We have mailed, faxed and emailed documents to many people at PNC and have spent countless hours in phone calls, and even visited a local branch in person, but PNC is still sending letters about force-placed insurance, even though we have been able to lock in a new policy. The new insurance does not go into effect until XX/XX/XXXX and PNC is now saying they are going to put a force-placed policy in effect for the lapse, at our expense. We have gone out-of-pocket for various inspections to obtain new insurance and PNC has refused to reimburse us. Phone calls are not returned, and even though we now have an attorney assisting us, we are getting absolutely nowhere. PNC is clearly in violation of RESPA and something needs to be done to hold them accountable for this.
Consumer complaint received 2022-09-20
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. (IA)

XXXX has been reporting my accounts as late even though they are paid in FULL! I will attach copies of my loans that state they are paid in full! I keep emailing them with no response!
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

XX/XX/2021 statement had a balance of {$160.00} closing on XX/XX/2021. Payments in the form of a cashback statement credit were redeemed on XX/XX/2021, in the amount of {$160.00} and an additional {$5.00} payment was submitted on XX/XX/2021. The combined total covered the XXXX balance due. Upon logging into my account on XX/XX/2021, I noticed a {$20.00} late payment fee applied ( allegedly from XXXX ) and an overdue balance of {$390.00}, which constitutes the value of purchases between the next statement cycle ofXX/XX/XXXX-OXX/XX/XXXX 2021. I immediately made payment for this amount, even though this amount is said to actually not be due until the exhaustion of the 25 day grace period.
Consumer complaint received 2020-07-07
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 2024-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (FL)

On XX/XX/year> I applied for a U.S. Bank Business checking account that had a {$400.00} promotional offer for opening & transferring X amount of $ into the acc, and leaving it until the XXXX day from opening. The very next day on XX/XX/XXXX I recieved a welcome email, saying my account was opened, and to add funds to it. I managed to bring my balance over the {$5000.00} needed to earn the bonus by XX/XX/XXXX, and I left the balance over XXXX until XX/XX/XXXX, which was the XXXX day from opening. I withdrew most of the funds, and still used the account as normal. I never recieved the promotional money that was offered, so I called US Bank. They informed me my account was " Opened '' on XX/XX/XXXX, not the XXXX so I wouldn't qualify for the bonus. I said no that is incorrect, I have the email from the XXXX, and even setup my online profile on the XXXX. The rep pretty much said I was out of luck. I have screenshots & Emails.
Consumer complaint received 2021-10-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports :
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

This complaint is a follow up to Complaint # XXXX. I am still unable to unfreeze my credit report. When I call Equifax, the automated system says the information they have for me is inaccurate ( meaning my name, dob, SSN , street address, etc ). Even though the system says the address I input is incorrect, I did receive a letter from them dated XX/XX/23 regarding my request concerning inaccurate information your Equifax credit file. I DID NOT make this complaint. My complaint is that I am unable to Unfreeze my credit report!!! I can not get a credit application reviewed & approved because my Equifax report is locked!!! 

I will contact an attorney if I can not get this corrected as soon as possible.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (IL)

Notice for Proof of Claim Account : Sentry Credit and the balance of {$1100.00} .To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2021-06-27
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: EQUIFAX, INC. (SC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$52.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-07-07
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 2024-11-04
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.