davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC. (MD)

I am writing to request your assistance in resolving a billing issue I am currently experiencing with SoFi regarding my personal loan. Despite my numerous attempts to resolve the matter directly with SoFi, the issue remains unresolved, and I am hoping that the Consumer Financial Protection Bureau can intervene to help facilitate a resolution. 


In early XXXX, I contacted SoFi to request that my loan payment due date be changed from the XXXX to the XXXX of each month. I initially asked the customer service representative to process this request for me, but I was instructed to submit it myself. The representative guided me through the steps, and at the time, I had automatic payments set up for my monthly loan installments. When I asked how my request would affect the automatic deductions, I was assured that the change would only take effect for the following months payment if the next automatic deduction was processed as scheduled. 

Unfortunately, this is not what happened. On XX/XX/year>, SoFi deducted {$1100.00} from my checking account. Then, on XX/XX/year>, another payment of {$1100.00} was taken from my account. Realizing that two payments had been withdrawn in the same month, I immediately contacted SoFi to request a refund for the second payment. I was told it would take 7-10 business days to process the refund, which was frustrating given that the error was on SoFis part. 


In the meantime, I contacted my bank, XXXX, to report the duplicate charge, and an ACH dispute was opened. On XX/XX/year>, my checking account was credited {$1100.00}. I initially believed the issue was resolved, but I was shocked to begin receiving calls and text messages from SoFi claiming that my account was past duean entirely inaccurate claim, as my account is current. 


Today, on XX/XX/year>, I contacted SoFi again in an attempt to resolve the matter. I spoke with XXXX, a supervisor in the personal loan collections department, and explained that my account should not be marked as past due and that SoFis error could potentially harm my credit. While XXXX escalated my issue by opening a support ticket, he did not provide any guarantee that the situation would be resolved, nor did he acknowledge SoFis responsibility in this matter.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I was thinking about moving in the near future so I requested my renting history from Rent Bureau Experian. I open the mail today and I received my report which is three pages but also someone elses report four pages long with the name of XXXX XXXX based out of Georgia, I do not believe that this is related to me in anyway as a mixed file. Clearly an error with someone who stuffed this envelope when they mailed it to me. Im thinking about reaching out to XXXX XXXX since you gave out his personal information to me. I can proof this by showing page 3 of my report is the same as page 4 on his. I feel as though that your company has been sharing my information with other people due to envelope stuffing being incorrect. Possibly contacting a Lawyer about this.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

XX/XX/year> My Robinhood and XXXX accounts where logged into and thousands where stolen the last balance I had in my Robinhood account was XXXX dollars and the last balance I had in my XXXX account was about XXXX dollars after my phone was stolen and the funds stolen I submit claims with both of these companies and I have not received no resolution XXXX even said they where not going to return my stolen funds
Consumer complaint received 2024-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place on XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I emphasized the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place on XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX regarding XXXX unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place on XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Consumer complaint received 2023-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXXXXXX XXXX regarding several unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report.

In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation.

By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-05
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. (SC)

Please be advised that this is my THIRD WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report you are in violation of 15 USC 1681. On XXXX XXXX XX/XX/year> I have requested that you investigation and reinvestigation the unverified items listed below that remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first and second investigation, you stated in writing that you verified that these are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual there address, and telephone number. Also, why did you not send me copies of the verification like I asked? As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the account they report on and their responsibility must consist of something more than merely parroting information received from other sources. The court have order that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ) .You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' XXXX XXXX XXXX XXXX Never LXXXX XXXXXXXX XXXX XXXX XXXX XXXX USDA-4389 XXXX XXXX XXXX XXXX XXXX USDA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/24 I received a notification that my XXXX account balance increased by the credit bureau {$440.00}. So, I reach out to XXXX  via chat and email regarding this matter to see why I they added this to my account and XXXX via chat stated she didn't know and didn't have access to see why. So, I then reach via email to be told they did see this to check back and they would possibly provide me with an answer. So, I reach back out to be ignored and not receive a response when I reached back out. XXXX has went bankrupt and is trying to get over on people. I WILL NOT PAY ANOTHER DIME UNTIL MY ACCOUNT IS FIXED PROPERLY.
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXXXXXX XXXX XXXXXXXX XXXX regarding several unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report.

In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation.

By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Consumer complaint received 2024-09-13
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. (FL)

DELETED XXXX XXXX XXXX FRAUDULENT ACCOUNT! And XXXX 15 USC 1666b late payments. 
I am giving XXXX, Transunion and XXXX the opportunity to correct this mistake. XXXX, Transunion and XXXX are in violations of violations of Fair Credit Reporting Act ( CFRA ) ,15 U.S. Code 1681i. A national bank has no power to lend its credit to any person or corporation... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraud vitiates the most solemn contracts, documents and even judgments [ U.S. vs. Throckmorton, 98 us 61, at pg.65 ]. It would be unjust to allow one who made false representations to retain the fruits of a bargain induced by such representations. Whipp v. Iverson, 43 Wis 2d 166. False or misleading. I suffered damages as a result of XXXX, Transunion and XXXX misrepresentation. As a result of XXXX, Transunion and XXXX violations of Fair Credit Reporting Act ( CFRA ). Please make necessary corrections to my credit report ASAP. See -U.S. Constitution, 1789, Article 1, Section 10. No state shall ... make anything but gold and silver coin a tender in payment of debts ... 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. 

Please correct inaccurate data from my credit report as soon as possible. Please make the necessary corrections to my credit report as soon as possible. I have suffered damages as a result of the misrepresentation. As a result of XXXX, Transunion and XXXX in violations of ( CFRA ). 

I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 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 working address XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2024-08-18
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: Prosper Marketplace, Inc. (VA)

On XX/XX/XXXX, I filed a formal complaint with Prosper Funding LLC regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place on XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I emphasized the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Consumer complaint received 2024-08-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (FL)

My HELOC was transferred from XXXX XXXX XXXXXXXX to Shellpoint on XX/XX/year>. Since XX/XX/year>, Shellpoint has been difficult to work with so I tried to payoff the loan XX/XX/year> to avoid their inconsistencies in monthly payments. I have been trying to dispute the payoff amount with Shellpoint since XX/XX/year> with Shellpoint directly and since XX/XX/year> through the XXXX XXXX XXXX. To date, Shellpoint still can not document accumulated accrued interest they think I owe of {$910.00}. They will just simply state it is due. I have pointed out to them that The Truth in Lending Act ( TILA ), 15 USC 1601 et seq. provides me the right to demand the documentation and they still have not provided it. I have continuously wrote them letters and requested the documentation and I even provided them with documentation that I do not owe that interest. I have attached the XXXX XXXX XXXX log of activities and the latest letter I wrote to Shellpoint with documentation that I do not owe accumulated accrued interest and that {$910.00} should be returned to me.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I used my XXXX bank account to send money to BANK of America Visa credit card in the amount of XXXX. The problem is I accidently sent it to XXXX Credit card account which didn't have a balance on it. The payment should have gone to my Visa credit balance. So, I called Bank of America and was told that it would be no problem the money could be sent back to XXXX. This happened XX/XX/year>. I have called BANK Of America multiple times over the past 4 months and have been told that the money was sent back, the money will be held by BOA for two billing cycles and then sent back to XXXX. I even had XXXX do a dispute to look for the money and they determined that the money had not been sent to them. I am not sure what else to do. I am being told by BOA that they will have to take another two billing cycles to investigate the problem. If someone could please assist me with this I would be grateful. I did send a letter to the main business office and have not heard anything.
Consumer complaint received 2024-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (SC)

This is showing on my credit as owing over {$800.00}. I do not have any knowledge of this account or loan. I haven't borrowed money from this company, and I know I wouldn't have been approved for {$800.00} as my credit wasn't that good a few years ago. My ex husband has opened several accounts in my name on line and taking out loans, and I have had to fight to have those removed. Please supply the info for the loan as I have no knowledge of this.
Consumer complaint received 2024-10-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Americas Car-Mart, Inc. (AL)

I received the documents you sent me, however, what I asked for is not what you sent. I am attaching my letter to you for proof of what was requested, and will attach what you sent in response. 

I asked for the certified mailing receipt for the notice of delinquencies as well as any other notices. You failed to provide me with this. These are crucial, as you know, because it proves that you notified me of any delinquencies. But most importantly, you failed to include the complete payment history. Where is your records of the payments that I made, and the date they were made?? How are you calculating the deficiency balance without this vital information? 

And where is the information about retrieving personal property after the repossession??? 

Because of all of this, I am asking for early removal and cancellation of debts. I ask that you please remove this account from reporting to the credit bureaus as soon as possible. 

I appreciate your cooperation with this matter.
Consumer complaint received 2024-09-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Billing error 15 USC 1666b 16 car 433.1 and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Capital One Bank, account number Finance Charges and Credit Indebtedness : It has come to my attention that Capital One Bank has not credited my account with dividends derived from treasury coupons via the XXXX Act. These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. XXXX Forms : Additionally, Bank XXXX XXXX has failed to provide me with all copies of Form XXXX for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.