davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

On XX/XX/year> account XXXX XXXX was blocked from my account after I ( the consumer ) provided a valid Police Report from the XXXX Police District located in XXXX, Pennsylvania. However XX/XX/year> the account was reinserted back onto my credit report without prior knowledge or documentation presented to me as to why the account reappeared and what grounds or relevant information was presented. 

This is a clear violation of my consumer rights under the FCRA : Violation of Section 611 ( a ) ( 5 ) ( B ) - Notice of Reappearance- If information previously deleted or blocked from a credit report is reinserted, the credit bureau must notify me within five business days. 

As of today, I have not received any notice of reinvestigation or valid documentation supporting the reappearance of this account. 

Violation of Section 605B- Blocking of Information Related to Identity Theft Since the account was initially blocked due to suspected Identity Theft, Section 605B mandates that such information should remain permanently blocked unless there is valid reason for its reappearance. 

I have not received any explanation from the bureau detailing any " reasonable grounds '' for reinserting this information, which I believe is a violation of my rights under this section.
Consumer complaint received 2024-10-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: SOFI TECHNOLOGIES, INC. (CA)

I refinanced my SoFi personal loan with a SoFi home equity loan. 

SoFi home equity told me they funded on XXXX. 

On XX/XX/XXXX I was notified that the wire went out to SoFi personal loans to pay off my loan. 

On XX/XX/XXXX XXXXoFi personal loans showed the payoff and notified me that my personal loan had been paid. 

On XX/XX/XXXX I learned that SoFi personal loans reinstated my loan and I now have a payment due on a loan that was supposed to be paid off. 

SoFi personal loans says I have to talk to SoFi mortgage and SoFi mortgage says I need to talk to SoFi personal loans. No one can tell me where the {$79000.00} went or why I now have two loans with SoFi financing the exact same debt.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I approved a chase ink preferred credit in XXXX. which is promotion XXXX points after XXXX spending in 3 months. I do see another offer XXXX points after XXXX spending when I received the credit card. I called customer service they told me I can match this offer when I finish My XXXX qualification. When I done for the qualification at XXXX. I called their customer service again. They changed mind they said I do not qualify this promotion. I used their credit cards and bank account almost 10 years. They are always my trustful bank since this happened. I think they promise this offer, they should honor what they said.
Consumer complaint received 2017-05-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CASHCALL, INC. (IL)

This is a debt that I do not owe. I have been trying for years to obtain proof of this debt, but they refuse to provide it. They continue to harass me, my spouse, my family, and my friends. Now they are telling people that they are coming to my house to serve me with " papers ''. I have asked them to cease communication with me and my family/friends. I have made a complaint through the FTC and the Illinois Attorney General Office. I spoke with a gentleman at  XXXX   XXXX   XXXX   XXXX  who said that they do n't care if we make complaints, they will continue to harass us. He was verbally abusive to me and my family/friends. I do n't know what to do to make this stop. Please help.
Consumer complaint received 2017-05-09
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. (TX)

I had a vehicle financed with  XXXX   XXXX   XXXX   XXXX . At one point my loan was issued to a particular  XXXX   XXXX  account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from  XXXX   XXXX  because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the  XXXX   XXXX   XXXX   XXXX   Office of the President.  Nothing was resolved. Towards the end of  XXXX ,  XXXX   XXXX  added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was attending school out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account manager put the car up for repression in  XXXX   XXXX . As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX . The car was redeemed, the  XXXX   XXXX  loan was paid in full, and I kept the vehicle. I filed appropriate complaints with  XXXX   XXXX   Office of the President  and other agencies. Again, nothing was resolved.      XXXX   XXXX   XXXX   XXXX  reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and  XXXX   XXXX   XXXX   XXXX . to have the inaccurate report removed. I confirmed with a  XXXX   XXXX  customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with  XXXX   XXXX  and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of  XXXX   XXXX , yet I am having to spend an inordinate amount of time contacting the financial institutions, issuing paperwork, and documenting all the communication. I fear  XXXX   XXXX  will continue to provide incorrect information and subject me to financial and professional harm.
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (FL)

Dear Sir/Madam, I am writing to formally dispute inaccurate and misleading information being reported on my credit report. The inaccurate reporting is not only hindering my ability to obtain credit, but it is also negatively impacting my financial well-being and personal reputation. 

Enclosed with this letter are the details of the disputed account, along with my personal information to help verify my identity and expedite the resolution process. 

Under the provisions of Section 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following item. I ask that you provide proof of the account, including a copy of the original contract bearing my signature. If you can not provide such proof, I request that you either update the record to show the account as " Paid in Full/As Agreed '' or remove the item from my credit report entirely. This matter is of great importance and has a direct impact on my daily life. 

The details of the item in dispute are as follows : Account Name : SYNCB/LOWES Account Number : XXXX This account is currently listed as a collection/charge-off on my credit report. However, I have not received a 1099-C form for this charged-off debt. I request that you either provide me with a 1099-C form to accurately reflect this as a charge-off for tax purposes, or immediately update my credit report to remove this item.

Pursuant to Section 1681i ( 6 ) ( A ) of the FCRA, please provide me with a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter. While these may seem like minor reporting errors, they have significant consequences for me, especially when it comes time to purchase a home, secure a vehicle, obtain a business loan, or even seek employment. I kindly request that you expedite this process. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent a colored copy of my ID social my water bill and a written signed letter asking for all freezes, holds, locks, and alerts to be removed but myself or others still can't pull my report. When I even go online it says I don't have a profile. I also attached my ID and social and proof of address below. I sent things with tracking and when I called you guys said you received it but yet my account is still not fixed.
Consumer complaint received 2017-05-09
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. (TX)

I had a vehicle financed with  XXXX   XXXX   XXXX   XXXX . At one point my loan was issued to a particular   XXXX   XXXX   account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from  XXXX   XXXX  because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the  XXXX   XXXX   XXXX   XXXX   Office of the President.  Nothing was resolved. Towards the end of   XX/XX/XXXX ,   XXXX   XXXX  added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was attending school out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account  manager  put the car up for repression in   XX/XX/XXXX .  As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in   XX/XX/XXXX .   The car was redeemed, the  XXXX   XXXX  loan was paid in full, and I kept the vehicle. I filed appropriate complaints with  XXXX   XXXX   Office of the President a nd other agencies. Again, nothing was resolved.      XXXX   XXXX   XXXX   XXXX  reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and  XXXX   XXXX   XXXX   XXXX . to have the inaccurate report removed. I confirmed with a  XXXX   XXXX  customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with  XXXX   XXXX  and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of  XXXX   XXXX , yet I am having to spend an inordinate amount of time contacting the financial institutions, issuing paperwork, and documenting all the communication. I fear  XXXX   XXXX  will continue to provide incorrect information and subject me to financial and professional harm.
Consumer complaint received 2017-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (WI)

I received a notice of d ebt ( File No.  :  XXXX  ; Acco unt No.  :  XXXX  ; Amount : {$1200.00} ) from  Rausch , Sturm , Israel , Emerson & Hornik LLC (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   ,  WI  XXXX  ) in  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I sent a letter certified, return receipt requested  (   USPS Tracking No.   XXXX  ), disputing the validity of the claim and requested verification of the alleged debt. The letter was received on Rausch on  XXXX   XXXX ,  XXXX . I never received any response.     On  XXXX   XXXX ,  XXXX , Rausch filed a small claims action against me in  XXXX   XXXX , WI  (   XXXX   ). I  appeared in court on  XXXX   XXXX ,  XXXX  and again disputed the validity of the claims and requested verification of the alleged debt. I have appeared in court  three tim es to date and  Rausch  still has not provided the requested verification ( they have provided an account statement for an account I have never had, and for which I have provided proof that it does not match the account I had with the company ). I am now required to appear in court yet a fourth time.     This action was taken in violation of the FDC PA Sec. 809 ( b ) as Rausch was notified in writing within the thirty-day period described in subsection 809 ( a ) that the debt, or any portion thereof, is disputed, and the debt collector failed to obtain or provide  verification of the debt to me.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint regarding incorrect late payment reports on my XXXX XXXX XXXX, issued by XXXX XXXX XXXX, for XX/XX/year> and XX/XX/year>. I have made several attempts to resolve this issue directly with XXXX XXXX customer service. Specifically, I have contacted their representatives on three separate occasions, explaining that these late payments are inaccurate and requesting that they correct the information on my credit report.

Each time, I was told that my case would be reviewed, and I would be contacted with a resolution. Unfortunately, I was never contacted, and the incorrect late payment remarks were added to my credit report. These remarks have negatively impacted my credit score.

Despite my attempts to resolve this issue directly with XXXX XXXX, no action has been taken to correct the inaccuracies.

I also attempted to dispute the inaccuracies directly with the credit bureaus, but each time I was told that the late payments were verified by XXXX XXXX, yet no documentation or evidence was ever provided to support this. To make matters worse, XXXX XXXX and XXXX XXXX were recently fined for incorrectly reporting information and mishandling customer disputes. I believe I am a victim of this same behavior, as my attempts to resolve this issue have been ignored, and the incorrect information continues to negatively affect my credit report.
Consumer complaint received 2017-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (NV)

I was attempting to get a loan for a new house, when the lender informed me that my credit had dropped from  XXXX  to below  XXXX  and that I  may  not qualify for the loan. finding that  Amcol  systems collection agency had been sending a medical bill invoice to the wrong address for many months and attempted to call  a 12 year old d isconnected numb er. I have no problem paying the bill and it has been taken care of. However may complaint is that I requested for AMCOL to remove it from my credit report as it was their fault in destroying my credit. " two of their employees told me that do n't do that and I could go pound sand '' This company is rude, and has no respect for someone with great credit, that was destroyed by their company and their lack of professional work ethics. the loan company is reviewing my credit information now and I may be denied a loan for a home of my dreams due to this company refusing to remove a bad debit that was created by a w rong address.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I AM HIGHLY DISAPPOINTED THAT THESE FRAUDULENT ACCOUNTS ARE STILL REPORTING ON MY REPORT. AS YOU ALL CAN SEE I HAVE ATTEMPTED TO GET THESE ACCOUNTS REMOVED AS I AM A VICTIM OF THE XXXX AND EXPERIAN BREACH. THIS IS VIOLATING MY CONSUMER RIGHTS PER FCRA LAW. I HAVE ALSO FILED A FTC REPORT TO LET YOU ALL KNOW THAT I AM AND IDENTITY THEFT VICTIM. THIS HAVE PREVENTED ME FROM BUYING A HOME AND ITS ALSO A DEFAMATION OF CHARACTER. AS AN CREDIT REPORTING AGENCY, YOU SHOULD BE PROTECTING MY INFORMATION AT ALL COST. PLEASE REMOVE THESE FRAUDUALENT ITEMS SO I WILL NO LONGER GO THROUGH EMOTIONAL AND FINANCIAL STRESS.
Consumer complaint received 2017-05-08
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: CITIBANK, N.A. (NY)

back in   XXXX   XXXX   XXXX   I purchased an airline ticket online for departure in   XXXX   XXXX   but just  XXXX  mn later I received a call that my father passed away and i was in needed to leave earlier so I checked with them online they said is free cancelation within  XXXX  h of purchase so I called them and when I asked the agent for refund so he said he ca n't do it and his supervisor who needs to do it so he put me on hold for app  XXXX  h and we got disconnected and called again and same I could n't even go through until the  XXXX  h passed.   I emailed them and the only answer that I got I 'm sorry but the refund needs to be done over the phone, so I called citibank credit card and I informed the representative that I have been charged and i 'm trying to cancel but nothing so she said i do n't see any charges posted on your account.   I was surprised a month later that the charges were in my account so I called  city  and I disputed the charges but they refused to help and they said the marchant is right.   I never ever had a credit issue my score is over  XXXX  and never been late on my payments you can check that but now i 'm very annoyed by the letter and the interest that they are sending and I do n't want to had bad credit
Consumer complaint received 2017-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against IC SYSTEMS for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I am contacting you to dispute several unauthorized hard inquiries that appear on my Experian credit report. These inquiries were not authorized by me, and they are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure only authorized and accurate information is reflected on my credit report. 

Below is a list of unauthorized inquiries I am requesting be removed from my Experian credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2017-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NY)

I am trying to close this account with Barclay 's.   I had trouble with them before - it was resolved, but not with damage to my credit rating - at cfpb  Case Number   XXXX .   I 've paid off the account, as you 'll see from the attached documents, and want to close the account.   I 've been VERY clear by mail, by phone.   Attached you 'll find an email that I just got today - showing that the account is still open.   Also, a confusing letter ( dated   XXXX   XXXX   ) about my " disputed '' amount of {$1000.00}.   Also, my correspondence to them - dated   XXXX   XXXX   and then another dated   XXXX   XXXX   XXXX  - asking to close the account.   I have also tried to call and that has proved unfeasible. The first time, I was disconnected. The second time, I was being transferred and transferred.