davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (TX)

I had an XXXX stolen which contained login information and the app to my bank account. I filed a claim and it was denied. Shortly after the claim being denied, my account was shut closed due to a member agreement. 

I have reached out to Sofi multiple times asking for information regarding the fraud dispute, have provided them with the police report, have asked multiple times why my account was closed and have received one correspondence on XX/XX/XXXX saying that my account was being investigated. 

No response since then, no correspondence. This is absolutely ridiculous customer service, I call in and get transferred back and forth between different departments.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma (CA)

I guess is been happening for years now, I received my XXXX report yesterday and it showing that credit karma check my credit XX/XX/XXXXXXXX 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 
I was trying to speak to a person and keep asking me to sing in, I want to avoid that, but the only available way of communications was chat, the individual also told me that in order to help me I needed to updated my email, I felt I was trick to do so than he left the chat avoiding prevating me with the written concent prequalification they said they have. 
I would like for this to stop, the person never said that he was going to cancel just left the chat. I don't know what to do. 

respecfully, XXXX XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (NY)

Your company is furnishing inaccurate information to consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character l, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 

Your company 's inaccuracy has damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Under 15 USC 1692c- I XXXX XXXX as the consumer is refusing to pay a debt collection to your company. 

Your company and I XXXX XXXX did not have a contract. I am not liable for this debt. 

You MUST DELETE this from my consumer reporting profile in the next 30 days. 

Your company can not report any information on consumer reporting without my written permission. 

Notify each bureau this collection has been DELETED. 

Once you have DELETE this collection from my consumer reporting profile, make sure to send it through certified mail only. 

Thank you for your attention for this matter.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Monarch Recovery Holdings, Inc. (OK)

I am disputing the entry related to the account with XXXX XXXXXXXX XXXX  on my credit report. This account was unlawfully sold to Monarch Recovery, a collection agency, without my knowledge or consent. This unauthorized sale has resulted in significant damage to my credit score and has severely impacted my life. Under the Fair Credit Reporting Act, this unauthorized transfer of my information and the resulting inaccuracies should not have been reported. I request that this incorrect and harmful entry be removed from my credit report immediately.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

I was very sick for a few weeks. When I was able to, I checked my business account to pay our rent and noticed multiple charges that added up to about {$930.00} from my Wells Fargo checking account using my debit card. I keep my card with me at all times and not sure how anyone would have access to it. I reached out to Wells Fargo and opened a dispute on the fraudulent charges I was later issued a denial letter from Wells Fargo. I was mailed a letter by Wells Fargo and was told the dispute was declined because the charge was verified. Most days I have no strength to do anything, not even chew my food. Ive lost so much weight which also contributes to my weakness and I have not slept for weeks. I am having to seek government assistance. It seems Wells Fargo is purposely withholding my money from me. I never gave anyone permission to use my debit card for any of the list of transactions reported, as I am the only person with access to it. Wells Fargo and I both have evidence that this is a fraudulent charge. The claim number is attach
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, XXXX XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Consumer complaint received 2024-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I asked Navient for a XXXX XXXX XXXX XXXX, as predatory lending practices and the practices of my institution in pushing me towards a private student loan to supplement federal loans qualify me for a XXXX XXXX XXXX  Navient refused to send the request, citing the institutions ' non-profit status at the time the loan was originated. While this is true, I was still pushed toward private loans by financial aid representatives. I did not understand the difference between private and federally-backed student loans at the time, and did not understand that the loans were not treated similarly to federal loans in terms of repayment, etc., and the differences were not explained to me. I have been unable to make meaningful payments on the loans, resorting to interest only payments, and I have paid more than the loan was originally worth in some cases.
Consumer complaint received 2018-01-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Bankruptcy was discharged XX/XX/XXXX, and this mortgage ( primary residence ) which was including in the bankruptcy. Upon being dishcarged ( after 5 yr./60 months ) NationStar demanded {$17000.00} in payment ( see attached ). This was because the loan was an interest only loan & because of the bankruptcy they were not able to adjust or increase our payments. NationStar granted us a loan modification which included the outstanding payments they were unable to charge us during the bankruptcy. I have included a recent mortgage statement which does not show any payment past due. I have also included dates & payments made doing the bankruptcy. I am asking for the negative comment on XXXX under payment status, which reads " At least 120 days or more than 4 payments pas due '' to be removed ( see attached ). I would also like the removal of the past due amount of {$16000.00} from the report because that was satisfied in the loan modification. In addition to this, the mortgage payments are {$1300.00} but the credit report is showing {$1400.00} ( see attached ). Monthly payment will change to {$1300.00} starting XX/XX/XXXX.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/XXXX I opened an account with Chase, utilizing a coupon that would earn {$300.00} for opening a checking account and setting up direct deposit, and {$200.00} for opening a savings account, and depositing $ XXXX within 30 days, and maintaining that balance for 90 days. If one opens both accounts at the same time, and completes qualifying activities, one can earn an additional {$400.00}. 

I opened direct deposit on the checking account, and my first paycheck hit the account on XX/XX/XXXX, and it ran for several months, and I got the {$300.00} for new checking on XX/XX/XXXX, all good. 

For the savings account, I funded it with XXXX $ XXXX payments over a few days, and had it fully funded to {$15000.00} on XX/XX/XXXX, and maintained that balance until XX/XX/XXXX. I never received the {$200.00} for opening a savings account and maintaining the account balance, and I never received the extra {$400.00} bonus for completing both qualifying activities.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXX and XXXX XXXX XXXX Acct # XXXX  ) are All closed accounts reporting on-going negative information after account closure. 
Siting Code 15-USC-1681a2 No written permission given. Also XXXX XXXX v XXXX I presume no alleged debt nor therefore any such debt in fact therefore exists.
Consumer complaint received 2024-06-07
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. (NJ)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2023-11-23
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: EQUIFAX, INC. (NJ)

Among this information there are late payments and I have never paid late. There is also incorrect information and accounts with incorrect information. I want these accounts to be reviewed and the incorrect information eliminated. 

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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (MD)

I am writing to file a formal complaint regarding my inability to opt out or freeze my consumer credit report with several supplemental credit reporting agencies. Despite my efforts to manage and protect my personal financial information, I have encountered significant obstacles with these agencies, which is causing me considerable concern and frustration.

Over the past few months, I have diligently attempted to contact several supplemental credit reporting agencies to exercise my right to opt out of having my consumer credit information shared or to place a freeze on my credit report. However, my attempts have been met with numerous challenges, including : 1. **Lack of Clear Contact Information** : Many of these agencies do not provide clear or accessible contact information on their websites, making it exceedingly difficult to reach them.

2. **Unresponsive Customer Service** : In instances where contact information was available, my phone calls and emails were either not answered or met with generic, unhelpful responses that did not address my specific requests.

3. **Complex and Opaque Processes** : For those agencies that did respond, the process to opt out or freeze my credit report was overly complex, lacking transparency, and not user-friendly. This has resulted in an undue burden on me as a consumer, seeking to protect my financial information.

4. **Non-Compliance with Requests** : In some cases, despite following the required procedures, my requests to opt out or freeze my credit report were not honored, leaving my personal information vulnerable.

As a consumer, I believe it is my right to have control over my personal financial information and to be able to take necessary actions to protect it. The inability to effectively opt out or freeze my credit report with these supplemental agencies not only undermines my privacy and security but also contravenes the principles of transparency and consumer protection.

I urge the CFPB to investigate this matter and take appropriate action to ensure that all credit reporting agencies, including supplemental ones, provide clear, accessible, and effective mechanisms for consumers to opt out and freeze their credit reports. This will help to uphold consumer rights and protect individuals from potential financial harm.

Thank you for your attention to this important issue. I look forward to your prompt response and action to address these concerns.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I don't knw dis company never did business with them dis account is faurd and identity theft I have no contact with them no never talk are spork with them so dis company was open up in my name by faurd
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC (TX)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose