davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE (DE)

The following accounts are being reported with late payments, despite all payments being made on time, in full, and on the respective due dates : The late fees charged by Barclays Bank/GAP ( XXXX ) and the reporting of late payments in my consumer report are false and misleading. These errors have caused significant damage to my reputation, character, and overall quality of life, as well as affected my family. 

XXXX XXXX XXXX  XX/XX/year> XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XX/XX/year> XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX This account has been paid off and I received a paid off letter and now they are reporting this info on my report with is defamation of my character and causing me stress.
Consumer complaint received 2024-10-20
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: Opportunity Financial, LLC (IN)

In response to the last complaint filed, Opploans stated a 1099C is only filed when {$600.00} or more in debt is written off and that none of my debt has been wrote off and I'm still liable for the amount yet they are reporting to the agencies that the debt is a charge off. A charge off is considered income by the IRS and income CAN NOT be reported on a credit file. XXXX clearly states my debt was written off. See attached screenshot. 

I'm also disputing the amount owed because according to XXXX. opploans has severl lawsuits filed against them but due to the arbitration clause, they are all being done separately in arbitration. Indianas laws cap a personal loan at 21 % and this rate was well over 100 %. This is exactly what the class actions are about. I would really love to come to an agreement of removing the tradeline from reporting and avoiding litigation/arbitration as Opploans is already in very hot water as it stands.
Consumer complaint received 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My escrow account was over funded and on my XX/XX/XXXX statement the mortgage company confirmed that on XXXX issued a refund check of {$4700.00} but I never recorded the check. I called the mortgage company many times they said that on XX/XX/XXXX they re-issued the check but I still didnt receive it. I have recieved other correspondence from the mortgage company and they have my correct mailing address but I am not getting this check. 

I offered them they should send me the refund by XXXX or wire but they dont have that option.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

XXXXPaid off the balance in full over the phone ; I have never been able to logon after the XXXX time. 
XXXXReceived statement w/balance of {$60.00} ; it also show a charge that was not mine. 
XXXXSpoke w/XXXX  to dispute the charge ; she said that the Resolution Dept would help me and then. XXXX, XXXX, in Resolution Dept removed the fraud charges sent me a new card. I asked her about the new balance and pretended to transfer me to customer service but instead hung up on me. It was already to late to call back. 
XXXXRecieved statement w/balance of {$67.00} that included a {$30.00} late fee and {$1.00} Interest XXXX-I called to Waive the {$30.00} late fee and interest, and was denied. I paid the {$67.00} balance in full. 
XXXXReceived statement w/balance of {$1.00} Interest on interest and fees. 

It is not enough that they me an enormous amount of interest but want to pay amounts on the fraud that is committed. These people are the ones who are committing fraud.
Consumer complaint received 2024-09-30
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DE)

I am writing regarding inaccuracies I have discovered in my consumer report. Specifically, I have identified transactions furnished to my report that are excluded by law under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( 2 ) ( Ai ). 

CBNA XXXX XXXX XXXX, XXXX XXXX SD XXXX Account Number XXXX Status Paid, Closed.
Consumer complaint received 2024-09-30
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DE)

I am writing regarding inaccuracies I have discovered in my consumer report. Specifically, I have identified transactions furnished to my report that are excluded by law under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( 2 ) ( Ai ). 

XXXX ( CLOSED ) Account Number XXXX XXXX Activity Designator PAID_AND_CLOSED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SD XXXX
Consumer complaint received 2024-10-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP. (WI)

Hello, my name is XXXX XXXX I have repeatedly reported issues with my loan officer assigned to my home loan dating back years I recently submitted a completed loss mitigation application on XX/XX/year> and on XX/XX/year> : was denied any options of loss mitigation my mortgage carrier is XXXX. 

Mortgage. The loan officer name assigned to my home loan number XXXX name is XXXX XXXX. He has been allowed to handle my loan with non transparency. After I reported his unprofessional behavior, failure of responses to denying me the right to know consumer information about my mortgage loan, I had requested a audit of my loan almost 2 years ago due to the calculations of my account and I have received backlash. I requested a different loan officer to handle my home loan and I was forced to remain with this loan officer after I reported that he had consistently used methods to manipulate my loan to deny me loss mitigation after I reported his unprofessional handling of my request for transparency of calculations on my loan.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (LA)

I dismissed my bankruptcy XXXX  XXXX. The trustee had a balance on hand of {$10000.00} from a car wreck lawsuit I won. Those funds were refunded back to me when I dismissed my case to pay my creditors. When I deposited the check I was told and emailed XXXX {$220.00} would be available, XX/XX/XXXX {$450.00}, XX/XX/XXXX {$4800.00} and XX/XX/XXXX {$4600.00} When I checked my account this morning there were no available funds. I checked my emails and no email from sofi. I called then and was notified only then that {$500.00} woukd be released XX/XX/XXXX and the remaining funds released XX/XX/XXXX. I cant wait that long, the check is from a trustees office and my car loan bank is wanting to reposess my car for no payments after the XXXX  XXXX discharge. I can see a little hold this is overkill being who it is from. Per their policy it states some will be available the next business day and the remaining no later than the XXXX business day. No one will give me a reason nor why I was not notified ahead of time on the hold dates
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-03-30
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

I applied for a Barclay JetBlue credit card in XXXX and was approved. After receiving the card, I noticed it was issued under my old last name, despite having changed my last name to my husband 's. I promptly submitted a request to Barclay to update my last name, providing all necessary documentation, including my passport. I sent the documents by mail and also uploaded them through the website.

However, some time later, we found that our account was locked, and I was unable to log in. Upon contacting Barclay, they informed us that they needed another copy of my passport and a copy of my Social Security card, but this time only via mail to a po box they provided. I mailed the documents as instructed, but the issue remained unresolved. Meanwhile, we received an email stating that the payment due date had passed, but we were never provided with a statement or payment method. 

We contacted Barclay again, and they assured us that once they received the required documents, the issue would be resolved, and it would not affect my credit score. So we waited. However, on XX/XX/XXXX, we received a statement showing a balance of approximately {$9000.00}, which does not make sense since the card was only used once for my tuition payment. When we called Barcalys, the agent verified that the transaction were made using a phisical card not by only numbers, which implies that Barclays sent the new card to someone else, not to me.

We immediately contacted Barclay again to report possible fraud and requested an investigation. They then informed us that we could also send the necessary documents via fax, which we did. Despite multiple follow-up calls, Barclay has not resolved the issue. I take this situation very seriously because it appears that someone may be using my credit card fraudulently, possibly a card that was never shipped to me.

There are several key concerns I have : 1. I receive daily notifications for incoming mail, and I saw a notification for the card with my old last name but never received a notification for the new card with my updated last name. This suggests that the replacement card may have been sent to an incorrect address.

2. How could someone use a replacement card without activating it?

Barclay has not been responsive in resolving this issue despite receiving the required documents multiple times. They have even hung up on calls, and I have requested a manager call back, which has never happened.

3. This situation has caused significant stress, and I am concerned about the impact on my credit. I respectfully request CFPBs assistance in resolving this matter as soon as possible.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am filing a complaint because a credit reporting agency failed to block information in my credit report that resulted from identity theft, as required by FCRA 605B. I submitted the necessary documentation, but the agency did not block the fraudulent information within the 4 business days required by law. ''
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (LA)

I deposited a check ( mobile deposit ) XX/XX/XXXX. They sent me and email with when and how the funds would be released. It did not happen. When I chatted with them online or telephone I was then and only then told {$500.00} would be released XX/XX/XXXX and the remaining released by XX/XX/XXXX. Today is XX/XX/XXXX and I still do not have access to my funds. This money was from a chapter XXXX dismissal from myself and the check was a reg cc check from a trustee. This money was to pay my creditors and pay backpay on my car that they are now repossessing because of this stupid and nonsense of a hold they are doing. This check cleared my trustees bank 5 days ago,
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I recently received an email from Experian to check my account that a new address has been reported. I subsequently received a similar message from one of my credit card accounts saying that they got this updated address from Experian. 
The new address doesn't exist, first of all. 
On the Experian website, it said the address was supplied by Experian. 
When I tried to dispute the information, it said it was provided by XXXX XXXX 
Their system wouldn't fix the problem, so I called them and they are VERY difficult to reach in person. The agent and I discussed XXXX addresses on my page that are incorrect. I asked who reported these and she rattled off ALL of my creditors. This is impossible and I checked with most of them. NONE of them say they ever even had these addresses for me. 
I think Experian somehow found somewhat similar addresses, added them to my report, then reported them to my creditors and when my creditors send them updates each month, they are just sending back all of the information they are getting from Experian. 
Experian refused to do anything for me. 
The XXXX incorrect addresses have NEVER been used by me. They are not " variations '' as Experian likes to call them and I shouldn't have to contact all of my creditors and ask them to remove these addresses that they ALL say they do not have for me. This is ludicrous and a complete waste of my time. Help!
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Zions Debt Holdings (TX)

They sent me an email telling me that I owed him {$3600.00} to XXXX and they reported it on my credit report but it says there that the original creditor is XXXX. The name of the company is Zion Debt holdings.
Consumer complaint received 2024-10-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (KY)

I am requesting replacements for following 6 cards. I have opened the following cases with Incomm XXXX, XXXX, XXXX. I have previously sent in all requested documentation for these cards to XXXX as requested. I am attaching the cards here along with proof of address. Please send replacements
Consumer complaint received 2024-10-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I have already previously filed complaint with the CFPB against this debt collector ( Complaint # XXXX ). The debt collector responded to the complaint confirming that the debt has been paid in full and removed from my credit report. 

Now two months later, the debt collector is claiming I owe additional money for the same debt and they have reported it back to my credit report. 

SEE ATTACHED
Consumer complaint received 2024-10-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (TX)

I contacted Robinhood support to delete my brokerage account account and all the profile related information permanently which I never used or no longer intend to use but the company has failed to do so, I can still login into my acount using the same creditials and I have tried to contact them multiple times but have not recived any help. This is a clear voilation of consumer right.
Consumer complaint received 2024-07-11
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. (FL)

I checked my credit report this evening and I'm still disappointed with what came up. The inaccurate accounts are still showing up on my report. I asked for the removal but nothing happened. So I am asking once again to please check the documents I've sent regarding this matter.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (NY)

GOLDMAN SACHS APPLE CARD SAYS I OWE XXXX XXXX DOLLARS ON ACCOUNT THAT IS NOT MINE THEY USED MY NAME NUMBER AND EMAIL ADDRESS AND INFO DOES NOT MATCH THEY REFUSE TO CLEAR THE INFO AS ITS NOT MINE
Consumer complaint received 2024-08-05
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is fraudulent though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNT : XXXX XXXX
Consumer complaint received 2024-07-11
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. (NY)

I have reviewed my consumer report and there are several unauthorized inquiries on my credit report that i do not recognize nor have i authorized. Please see inquiries listed below : 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 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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Performed soft inquiry. Qualified AFTER hard inquiry. Emails and texts sent to customer to provide docs and set up appt. Local office then calls that ineligible. AFTER the hard credit pull was performed.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Subject : Request for Removal of Closed Fraudulent Account Dear XXXX, I am writing to formally dispute the presence of a closed fraudulent account on my credit report. The account in question is listed under the following details : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account was opened fraudulently without my knowledge or consent. I am not responsible for any transactions made on this account, nor did I authorize its creation. To support my claim, I am including the following documentation : A copy of my government-issued PASSPORT A copy of the identity theft report filed with the FTC ( if applicable ) Any correspondence I have had with the creditor regarding this fraudulent account In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the fraudulent account from my credit report. Please update my file to reflect the removal and provide written confirmation of the actions taken because of your investigation. 
I appreciate your attention to this matter. Please feel free to contact me at my address listed above. 
Thank you for your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.