davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NC)

My social was breached and I am a victim of identity theft. 
Here are a few dates XX/XX/XXXX in the amount XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX, XXXX, XXXX, XXXX XX/XX/XXXX in the amount of XXXX. I filed an identity theft report against all of the following accounts and asked to have these accounts removed immediately.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

My social was breached and I am a victim of identity theft. 
Here are a few dates XX/XX/XXXX in the amount XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX, XXXX, XXXX, XXXX XX/XX/XXXX in the amount of XXXX. I filed an identity theft report against all of the following accounts and asked to have these accounts removed immediately.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SOFI TECHNOLOGIES, INC. (CA)

I got charged a {$25.00} " inactivity fee '' for my Sofi invest account. I contacted your support team and they were unhelpful, claiming they sent an email that if I didn't log in to the platform that I would get charged this fee. 

For what it's worth, I didn't even see the email come through. And this is a ridiculous fee to have. Getting penalized for NOT logging in? 

Please reverse this. 

This is for my XXXX INVEST account.
Consumer complaint received 2024-09-17
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. (TX)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ).

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-08-08
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. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-08
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/ I have disputed this account more than XXXX times and each one comes back the same. The company still allows them to keep the information on my credit when I've submitted information to them in regards to the account being closed, paid in full, and previously the creditor reported payments were ALL on time never late, and now that I filed a claim with CFPB right after they entered falsified information saying I was late the entire year of 2019 in which I was not. They are allowing this creditor to say the account is still open when it is not open it was closed in 2019. XXXX debt recovery/ this account has been removed from my credit based on decision of dispute and they have allowed the company to play double jeopardy in an attempt to collect funds not owed. The credit reporting agency has information from each dispute and prior to allowing a company to submit anything they should use that information to determine it is not legal what the collection company is doing and violates my rights as a consumer.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

XXXX XXXX {$120.00} XXXX XXXX  XXXX XXXX. XXXX XXXX {$81.00} XXXX XXXX. XXXX XXXX {$34.00} XXXX XXXX XXXX. XXXX XXXX {$52.00} XXXX XXXX. XXXX XXXX {$14.00} XXXX XXXX. XXXX XXXX {$14.00} XXXX XXXX. XXXX XXXX {$22.00} XXXX XXXX XXXX. XXXX XXXX {$17.00} XXXX XXXX. XXXX XXXX {$21.00} XXXX XXXX. XXXX XXXX {$49.00} XXXX XXXX. XXXX XXXX {$26.00} XXXX XXXX. XXXX XXXX {$34.00} XXXX XXXX. XXXX XXXX {$39.00} XXXX XXXX. XXXX XXXX {$44.00} XXXX XXXX. XXXX XXXX {$26.00} XXXX XXXX Above is a list of multiple transactions made on my account that were not made nor approved to be made by me. These transactions started to occur after using the outside gas pump at a XXXX gas station on Tuesday, XX/XX/year> at XXXX XXXX. Ive already reported these transactions as fraudulent and unauthorized to chime bank 6 times and have been denied every single time, Ive uploaded personal statements, police reports ect even a document showing how XXXX XXXX refunded me for one of the transactions because they recognized it as unauthorized and decided a refund was necessary but they informed me that if they refunded all transactions it would then disable my apple id account and therefore would loose all my information and data stored in my XXXX account. I am a hard working XXXX XXXX and also a single parent to a XXXX XXXX old baby so {$610.00} missing from my account isnt taken lightly
Consumer complaint received 2024-08-08
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. ()

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-08
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. (MD)

I'm writing to convey my uneasiness concerning the challenged records on my credit report. On different events, I have raised the issue of missteps in these records, and have dependably referenced that they be totally analyzed. Despite my undertakings, I as of now really can't get any objective or helpful movement. These mixed up records are genuinely hurting my credit archive and obstructing my ability to continue with a conventional life. The unfavorable results of these blunders have caused huge hardships for me, and I'm left with no choice aside from to contend for your assistance with changing what's going on rapidly. I tolerantly request that you lead a thorough assessment concerning the noteworthy of all of these challenged records. It is fundamental that the indispensable advances are taken to invigorate and change my credit report immediately. With your help, I want to restore the precision and decency of my credit record so I could recover control over my money related thriving. I really urge you to offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue speedily would be immensely significant. Thankful to you early on for your understanding and help.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (CA)

The company is Robinhood, they put a restriction on my account after I tried to contact customer support multiple times to get an answer about my deposits. I had a deficit which was caused by my paycheck being late. I covered the deficit, they took the money out of my account but it still shows as pending on the Robinhood app, today they restricted my account and asked for my Id to confirm my identity. After I submitted my documents they have limited my account, I cant buy more positions or transfer my assets out of the brokerage. They only allow me to sell my assets but I do not have access to the funds. I believe this is retaliation from customer service chats where I expressed how bad their customer service is. 
XXXX XXXX XXXX XXXX, I lost my job a few years ago and finally found a new job and have been saving using Robinhood. Its a relatively small amount but it all I have in savings and this is very frustrating. I read online that they have withheld many peoples money for long periods of time and I cant afford that. 

Based on what I read online the only way to avoid Robinhood to lock my account is to file a complaint. I will close my account after this is resolved but I need to have access to my money. They asked for bank statements and my ID and eventually my ssn. It has all been sent. They called me immediately after submitting the documents, it was an automatic call from them, no human ever answered the phone and they just left me on hold with music for 15 minutes so I hung up, as soon as I hung up I got a notification saying they tried calling me but I didnt pick up, I have the call registered and the wait time. After that they have kept the restriction on my account even tho I have submitted everything they asked and Im afraid I will lose my money.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NV)

XX/XX/XXXX. SUNDAY. XXXX. WHEN I TRIED TO OPEN A NEW ACCOUNT WITH YOU WITH MY NEW NAME YET ANOTHER EMAIL ADDRESS AND MY NEW PHONE NUMBER THAT I HAVE CHANGED SEVERAL TIMES BECAUSE OF IDENTITY THIEVES AND NOT BEING HELPED I WASN'T ALLOWED SO I HAD TO REVERT TO MY VERY FIRST EMAIL ADDRESS I DON'T LIKE TO USE BECAUSE OF THE IDENTITY THEFT ISSUES I AM STILL HAVING TO THIS DAY. 

MY COMPLAINT IS AGAINST CHIME REFUSAL OF NOT ALLOWING ME TO CANCEL MY ACCOUNT OF WHICH THEY HAVE MY SOCIAL SECURITY NUMBER AND I KNOW FOR A FACT I AM BEING USED FROM THE PAST TWO JOBS WHICH WAS CALL CENTERS REGARDING XXXX XXXX XXXXXXXX AND NOW XXXX BOTH THROUGH AND XXXX XXXXXXXX XXXX XXXX RIGHT HERE IN XXXX XXXX NEVADA I NO LONGER EMPLOYED MYSELF WITH THESE INDIVIDUALS WITH THIS COMPANY FOR THE SIMPLE FACT THESE TWO COMPANIES FEEL LIKE THEY CAN TAKE YOUR PHONE OUT OF YOUR LOCKER THAT THEY HAVE A SIGN AND STEAL YOUR INFORMATION NOT ONLY THAT THEY STEAL YOUR FOOD NOT ONLY THAT THEY COME IN YOUR HOME.

SO I DID NOT WANT TO BE AFFILIATED WITH THESE PEOPLE WHATSOEVER NOT ONLY THAT THEY ARE TRYING TO STOP ME FROM BEING ABLE TO WORK ANYWHERE ELSE AND TAKING MY RESUME AND PUTTING IT ON SOMEONE ELSE. 

WHEN I SPOKE TO THE INDIVIDUALS THAT ARE EMPLOYED BY THESE PEOPLE THEY MAJORITY HAVE CHIME BANK AND THEY WERE COMING AT ME AS IF I AM A PART OF CHIME BANK WHICH I AM NOT AND WAS MESSING WITH THE BANK I HAVE AS IF IT WAS CHIME BANK. 

I AM REQUESTING THAT THESE PEOPLE REMOVE MY INFORMATION REMOVE MY SOCIAL SECURITY NUMBER I AM REPORTING THEM RIGHT NOW AGAIN NOT ONLY TO YOU BUT I'M PUTTING THEM ON THE XXXX XXXX XXXX REPORTS THAT I HAVE BEEN REPORTING TO REGARDING THE IDENTITY THEFT MULTIPLE ISSUES THAT I ENCOUNTER BECAUSE OF XXXXXXXX XXXX NOT ALLOWING ME TO HAVE MY STOCKS MUTUAL FUNDS AND MONEY MARKET ACCOUNT THAT I BUILT AS AN EMPLOYEE BUT THEN THEY MADE ME LEAVE AFTER I BUILT IT IN THE YEAR XXXX AT THE END OF XXXX SO THAT MAKES 24 YEARS OF MY LIFE BEING TORMENTED WE'RE NOT EVEN GOING TO COUNT THE YEARS BEFORE THAT. 

HOWEVER I WANT THESE PEOPLE OFF ME I AM REPORTING THEM ON MY XXXX THAT I HAVE BEEN ACKNOWLEDGING DIRECTLY TO XXXX XXXX XXXX XXXX SINCE XXXX WITH MILLIONS OF VIEWS AND OF COURSE I DON'T SHOW THE VIEWERS YOU DON'T KNOW WHAT I HAVE BUT I HAVE PROOF I HAVE MORE THAN MILLION VIEWS SHOWING WHAT'S BEING DONE.
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (NJ)

There is something suspicious going on with the lender company Upgrade, where I had successfully completed payment, as confirmed by my bank and yet theyre bombarding me with stressful emails saying payment failed. The payment did not fail ; it shows as paid on Upgrades site and on my bank statement. And yet Upgrade customer service is insisting it has failed due to my account being closed. The bank account I used to make payment is certainly not closed. 

This leaves me in doubt as to whether its actually been considered paid or not. This is not a doubt I have usually when paying any bills, as confirmation is straightforward and easy to obtain. Not the case here with Upgrade however. This is causing me undue anxiety, as I am left with uncertainty and I am desperately trying to improve my credit score and can not afford to have any negative marks due to issues that were not my fault.
Consumer complaint received 2024-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC. (CA)

On or around XX/XX/XXXX I applied for a personal loan with SoFi online ( SoFi loan # XXXX ), and was initially approved for {$100000.00}. 

On or around XX/XX/XXXX SoFi did a HARD inquiry into my credit On or around XX/XX/XXXX SoFi updated the offer and reduced the loan amount to {$40000.00}, and asked me to accept or decline On or around XX/XX/XXXX I want to accept offer. I am unable to accept offer on the SoFi APP, and unable to accept the offer on www.sofi.com On or around XX/XX/XXXX I contact SoFi customer service and speak with an agent, " on a recorded line. '' And am told there is an issue with their system, and an IT ticket has been submitted to allow me to accept this offer XX/XX/XXXX - XX/XX/XXXX I return to the SoFi APP and website, and still receive error message, and am not able to accept offer. Also during this time I am in contact with SoFi both outbound and inbound calls stating the offer will be extended to allow for the IT issue to be resolved XX/XX/XXXX I receive a call from XXXXoFi stating the offer will be extended another 15 days to allow for the IT issue to be resolved. I am still wanting to accept this offer, BUT am unable to accept XX/XX/XXXX I log in to the APP, and see the offer was declined by SoFi, that the offer expired due to me not accepting. 
I call SoFi and am told offer expired. And even though I was told the offer would be extended, I was told this was now incorrect. I was only offered to apply again.

SoFi wasted my time for more than a month, making me think I was approved for this loan. My goal of this loan was to pay off a 27 % loan. SoFi wasted my time for 30 days and should be held liable for wasting my time and interest on this loan, and since it seems they had no interest in actually funding this loan, should remove the hard inquiry
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Remove the following accounts : XXXX XXXX XXXX This accounts are in violation. 

15 U.S.C. 1681b permisible purpose of consumer reports. 

Credit reporting agency does not meet any circumstances.