davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (PA)

I pre ordered a iphone using sofi debit card Iphone lost or stolen in transportation I disputed charge with sofi to force a refund sofi refused to give me money back Sofi account managers and staff are extremely rude and disrespectful Constantly hung up on mand actually punished my Constantly reaching out and stonewalled my dispute
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I have my credit frozen on Experian and I didn't have the pin to unfreeze it. 
I tried to create an account on Experian website to unfreeze it in the past week ( last week of XX/XX/year> ). But they either tell me there's a system error or they can not verify my identity. There's a phone number they told me to call. I tried calling many times but the automated system could not unfreeze my credit for me and told to to go to the web. So I am stuck in the loop and can not unfreeze my credit. 
I also submitted my documents separately on the website to proof my identity but haven't gotten any confirmation or updates. 
There's no way I could reach a human being for help.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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  EXPERIAN 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!

Update the late payments from my consumer reports
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I accidentally deposited {$200.00} into my Venmo account via a direct wire transfer from my bank. After waiting the standard 3-6 days for the funds to appear, I attempted to transfer the money back to my bank, but received a message saying the transaction couldn't be processed. When I reached out to customer support, I was informed that my account had been locked due to suspicious activity. The only transactions Ive made are for vending machines and sending my father {$230.00} for a plane ticket. 

I requested to speak with someone who could explain the situation further, but was told I had to wait for an email from another representative. The only communication I've received so far instructs me to scan my ID and wait seven days, which Im not comfortable doing. I believe there should be a way for me to withdraw my funds and close my account without providing sensitive information. Instead, I feel like I'm being stonewalled, and my {$200.00} is still being held.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I disputed this information and requested a copy of the original signed document on XX/XX/XXXX ; Columbia Debt Recovery sent me a copy of a lease agreement with my name and another party with not signatures. I have never lived in XXXX GA I have been a home owner in another state for over 20 years. I have requested this false information be removed from my credit report in accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The said account has violated my rights. 15 U.S.C 1681 section 602 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

Chime also known as XXXX receives a monthly deposit from the XXXX XXXX XXXX XXXX under XXXX XXXX XXXX. It is delivered to me on the XXXX XXXX of the month in the same fashion. This month it was not delivered the same as the previous 6 times. They delayed the transaction even after it was deposited without cause. I am writing for the transaction to be completed and deposited as promised 2-3 days early as it states in their contract.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

I have been trying without success to have this credit bureau place a freeze on my credit report, I have sent in letters with my particulars for a credit freeze to be placed on my account or credit report without success as I was a victim of identity theft in the past. 
Kindly and please place a credit freeze on my credit report immediately please.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXXXXXX Balance Owed : {$630.00}
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (NC)

On XX/XX/year>, I received several notices from Discover Card services that my personal information had been found online, as part of their identity protection service. 

I reviewed the messages and the results did include some of my old addresses and phone numbers, along with the last XXXX digits of my social security number. This is expected. 

Along with those results, there were XXXX additional results with a strangers name, address, and phone number, along with the same last XXXX digits of her social security number. 

I have reported this to Discover customer service, but have yet to receive any reply.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 EXPERIAN 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 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (AZ)

I deposited around {$1000.00} to my Robinhood brokerage account and subsequently transferred to my spending account so I could use it on my debit card while traveling, as it's a card that works internationally. I had a restriction placed on my account and they said it would be reviewed in 3 business days. After 5 days I decided to contact support and was told there was nothing they can do, and to call them. I am in XXXX and my US number charges by the minute to call them, I am not going to go back and forth for an hour when the call center they're outsourcing to can not even solve my problem. I asked to be contacted via email and they continue to give me the same copy & paste responses. I have been reading reviews on XXXX and XXXX and it appears this is a very common thing for them to lock people 's funds without reason and become very hard to contact about resolving the issue, typically taking months or even years in some cases. I have seen multiple people complaining about their life savings being held from withdrawal and I do not want this to become a further issue. They will not give me any information about why my account was suspending from withdrawals. All I want to do at this point is get my money out and close my account. My account was restricted on XX/XX/XXXX and it is now the XXXX. 10 days without any progress or update whatsoever, and seemingly no way for me to get answers, their live chat support can not help me whatsoever.
Consumer complaint received 2024-10-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (WI)

I have sent LVNV a certified letter on XX/XX/year> requesting a debt validation and all required documents associated with the alleged debt and they still have not responded. In addition, they have sold my information to XXXX XXXX XXXX XXXX  to collect on the debt which has resulted in XXXX XXXX XXXX XXXX  attempting to sue me for the alleged debt.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2024 I received a call from a customer service representative of XXXX XXXX XXXX where I have my car loan. They communicated that the XXXX car loan payment of {$1800.00} was not received. I communicated that check # XXXX appeared chased on my account. XXXX XXXX XXXX requested the check image of the cashed check and I faxed it to them for verification. 
On XX/XX/2024 I received another call from a XXXX  XXXX XXXX representative to communicate that the endorsement was forged and they never received that payment. I immediately called Wells Fargo to communicate the check fraud information and opened a new checking account and closed account ending - XXXX. 
In mid XXXX, I received via mail the documentation to be completed by me so that Wells Fargo can resolve my fraud claim. The letter dated on XX/XX/2024 stated that I had 20 days to complete said documentation that I received by mail around 5 days post that date. 
On XX/XX/2024, I completed the documentation on the items under my control, including reporting to authorities the check fraud issue. The problem on the documentation is that Wells Fargo Claims Department has draconian requirements related to endorsement check fraud claims, where the payee has to sign the document and sign in front of a notary. There begins the back and forth between myself and XXXX  XXXX XXXX to figure out how they could support me in getting this completed. After weeks of back and forth, and the back office documents department ( emails sent ) not replying to my requests. 
On XX/XX/XXXX, a customer representative from XXXX  XXXX XXXX issued a letter from her system ( only they are able to generate ) that demonstrated the clear account and payment history information that shows they did not receive the XXXX payment. They hope this could be use as an alternative documentation to present to Wells Fargo. 
On XX/XX/2024 Wells Fargo issues a letter stating they have closed my claims investigation as they require for that Affidavit to be completed and notarized. 
I escalated this situation to the Branch Manager and set up an appointment on XX/XX/XXXX to address the situation and ensure proper escalations with District Manager and Complaints Department. 
We are in XXXX and Wells Fargo refuses to consider the documents I have attached as clear proof that the check was not received by payee and fraud occurred. 
This needs to be reported because there needs to be an improvement in the customer service experience of account holders at Wells Fargo. This process shows that our money is NOT safe in Wells Fargo because they refuse to ensure an investigation is occurring so they can further improve the safety mechanisms they have available for their customers. It is so unfortunate that I will need to cancel my business with Wells Fargo because they are losing my trust, and it is unfortunate because the staff in the branch I visit weekly have been nothing but supportive in looking for ways to intercede on my behalf.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX is reporting a late payment for XXXXXXXX XXXX XXXX for a 6 month consumer loan ; this late payment is not accurate and never occurred. I've disputed this multiple times, and the lender has responded by confirming the inaccurate information, and Equifax has now been publishing demonstrably incorrect information onto my credit file. 
I've attempted discussing this with them directly but nothing has resulted in them correcting the credit file or explaining why they're publishing incorrect information
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I've been attempting to login to my Experian credit profile account and simply can not get authenticated. I have a valid userid and password which work, but Experian 's login process then requires two factor authentication of my identity. Verification of identity using a two factor system is great when it works, but Experian 's system seems to be unable to send me a text, call, or email with an authentication code. I do not know why, but none of their options allow me to receive their verification code. 

I have mailed a letter to their XXXX XXXX in Texas requesting further assistance with this verification process so that I can then manage my account profile ( e.g. place a freeze on my credit profile etc ), but I got zero response from Experian to my letter.

Unfortunately, there is NO way to speak to anyone at Experian- they don't want to help you by giving you an option to talk to their customer service people, so after not receiving any response to my letter requesting assistance, I have no where else to go for help.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I seek your assistance with the false account appearing on my credit report. This matter has severely harmed my reputation, and I need your intervention. Your mishandling of my credit report has brought me to a breaking point, as your incorrect reporting has shattered my reputation. You need to correct this situation so I can have peace of mind with my family.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (CA)

Credit corp solution has contacted me numerous times, under several occasions Ive informed them that I do not wish to be recorded rather than ending the call they continued with their collection efforts even after they were told several times that I do not wish to be recorded. In California my residing state, it is against the Law to record collection calls when one of the parties does not consent to being recorded. Credit corp has violated this law. And is also in violation of the fair credit reporting act. Credit corp solutions has also failed to provide me the requesting documentation Ive requested from them including : Signed contractual agreements to verify the alleged debt. And signed agreement where I agreed to pay credit corp solutions any money. Also requesting agreement between credit corp solutions and the alleged original creditor that allows credit corp solution to collect on this alleged debt.
Consumer complaint received 2024-10-26
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Commenity bank has been hard to deal with from the beginning. I bought a laptop from XXXX, and I used to make payments ( more than the minimum ) to XXXX. From XXXX day to another, now community banks appear. There were XXXX instances when I made XXXX payments, and those payments did not go through. However, Commenity never notified me that those payments were unsuccessful until I just kept seeing my statements getting fees. Now, they are charging residual interest. 

In addition to that, I set up automatic payments. However, they never charged my account accordingly.
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: World Acceptance Corporation (GA)

This Company is reporting Inaccurate Information on my credit report on XXXX is shows this account was paid off XXXX and on XXXX it shows it was changed of for XXXX and it has XXXX accounts numbers on XXXX the letter this company wrote me stated that the loan was XX/XX/year> but in the credit report it shows XX/XX/year> I request that they provide a 1099-C form since it was charged off but this company refuses to send me any documents regarding this account being this company reported this account as a charge-off I have the right as a consumer to see any documents regarding this account I feel as if this company is providing false information on my credit report
Consumer complaint received 2024-10-26
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 (MS)

XX/XX/XXXX I got XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX someone used my chime card and made fraudulent charges of {$1800.00} and some cents I disputed discharged with chime for I mean 12 13 14 times and each time I got denied and I rebuttled this matter four or five times and still was denied I sent them paperwork from the jail I sent them paperwork from notarized paperwork my lawyer sent them paperwork and I still was denied my money