davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MN)

SoFi has frozen my account XXXX week ago, and wont tell me why. 

I started receiving debit fraud charges on XX/XX/year>. They are all from the same company, XXXX XXXX XXXX All of these transactions were pending for around 5 days before they posted. The first was an amount of {$23.00}, which posted on XX/XX/year>. The second was an amount of {$130.00}, posted on XX/XX/year>. After these two charges were pending, I had immediately called and had my debit card frozen and ordered a new one. 

XXXX more transactions were pending 10 days later, likely because this scam artist had hacked into my account number, not my debit card number. SoFi has never confirmed this. The first was an amount of {$16.00}, and the second was an amount of {$140.00}. I called again and asked to have SoFi stop this recurring payment on my debit card. They filed a dispute for this, then emailed me back a week later and told me that this transaction was not being posted through their XXXX system, so I had to reach out directly to the merchant to stop this recurring transaction. This merchant is not a real company, so I can not communicate with them directly, obviously. Both transactions posted on XX/XX/year>. 

During this time, SoFi froze my bank account. I have called them every day for the past week, and they have given me no further information on why my account has been frozen, or when I can expect to have access to my money again. All of my savings are in this account. 

Yesterday XX/XX/year>, I also recieved an email stating that the first debit fraud transaction I disputed was NOT found as unauthorized, and my dispute has been denied. If these transactions are being investigated as not fraudulent, then why is my account frozen? 

Please help is any way. I can not get any further information from them, and their vague answers are incredibly disheartening. I need access to my money.
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (SC)

I am writing to express my grave concern regarding the recent reporting of a disputed debt by XXXX XXXX and the subsequent denial of my dispute by Experian. This debt, previously reported by XXXX XXXX XXXX. Despite my repeated attempts to request proof of the validity of this debt to Ability, I never received proof. Experian finally removed this from my credit report in XXXX 2024. Now the debt has resurfaced on my credit report without any notification or opportunity for me to dispute or validate the debt with XXXX XXXX. 

As of XX/XX/2024, I have yet to receive any notice from XXXX XXXX indicating their ownership of the debt or providing me with the necessary documentation to substantiate its validity. Despite XXXX lack of communication and due process, Experian has verified the debt with XXXX XXXX, leaving the debt on my credit report, thereby impacting my credit score and hindering my ability to pursue important financial endeavors such as purchasing a house.This has dropped my credit score by almost XXXX points which has also changed my overall credit ratinng. It is unfair that a debt can surface years after the supposed origination and none of the companies involved in collecting or reporting the debt have to provide proof of the validity of the debt. 

This unjust and deceptive practice not only undermines consumer rights but also creates unnecessary financial burdens and obstacles for individuals like myself who strive to maintain excellent credit standing. It is unacceptable that companies like XXXX XXXX are allowed to buy and sell debt without adequately proving its validity or affording consumers the opportunity to dispute inaccuracies. 

Thank you for your prompt attention to this matter. I trust that Experian will uphold its commitment to fair and accurate credit reporting and take the necessary steps to address this issue expediently.
Consumer complaint received 2024-03-19
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. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (DE)

I received an email from Citi Cards today that my thank you points were now linked to XXXX. I did not give permission to Citi to share my rewards details with XXXX at ALL. If I added my account to XXXX, that was MY choice and my choice to share that much info ONLY. Citi does not even give any option to easily disconnect my account details from XXXX. That is deceptive and infringes on my choices and privacy.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (MO)

I have received a card to activate an they won't let me do to account verification an I have already been to ssa office said I had to resolve with direct express my last months benefits is on it an need it to pay bills I have sent multiple emails of id verification they send card an now they won't validate my account
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-11-07
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. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (VA)

I am trying to dispute a medical collection. I never gave permission to XXXX XXXX XXXX to share my information to a third party. This is a violation of the hipaa law. I need them to delete the collection from credit report asap
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Please be advised that as of XX/XX/2024 as listed on my most recently reviewed consumer report, there are several frauds/unauthorized inquiries listed. As a reference, please see the inquire XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report. 
I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2023-09-25
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (MA)

The loan Company ( Affirm ) sided with the merchant claiming that the company followed all of their return policies. Therefore, out of XXXX, I am responsible for the portion of the loan that the merchant deemed to be restocking fee on the entire loan which included shipping, warranty, & etc.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (DC)

I opened an account with Citibank on or around XX/XX/2023. I enrolled in an offer with the following terms : if I made {$1000.00} in qualifying debit card purchases and made two or more enhanced direct deposits totaling {$1000.00} or more within 90 days of opening the account, I would receive XXXX XXXX  bonus miles within 30 days of completing the requirements. On XX/XX/XXXX, I received a qualifying deposit of {$500.00}. On XX/XX/XXXX, I made a debit card purchase of {$1000.00}. On XX/XX/XXXX, I received a qualifying deposit of {$500.00}. I fulfilled all the requirements on XX/XX/2023. On XX/XX/2023, a Citi representative confirmed to me over chat that I had met the requirements on XX/XX/2023. Thirty days later, on XX/XX/2023, I had not yet received the bonus miles to my XXXX  account. I followed up with a Citi agent over chat, who confirmed that I had met the offer requirements and escalated my request to the dispute department. On XX/XX/XXXX, I received a response that said they could not give me an update on the status of the promotion because I had to wait 90 days from the date of satisfying the terms. I have since contacted Citi multiple times, with several agents confirming I met the requirements but saying they could not do anything about it. After I escalated my dispute a second time on XX/XX/XXXX, I got another response on XX/XX/XXXX saying I had to wait 90 days. That is far longer than the amount of time guaranteed by the offer terms, which state, " If you fulfill the Required Activities for this offer and are eligible under the qualifications of this offer, then the XXXX  bonus miles will be credited to your existing AAdvantage account within XXXX calendar days from the date you complete all Required Activities. Your Checking Account must remain open and in good standing from the time it's opened until you receive your bonus. ''
Consumer complaint received 2018-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We feel we are now being being forced to file this Complaint because XXXX XXXX XXXX, hereinafter referred to as Nationstar, who now goes by the name of Mr. Cooper, refuses to abide by the Fair Debt Collection Practices Act, hereinafter referred to as the FDCPA and the California XXXX Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. We took out a loan with XXXX XXXX, XXXX on XX/XX/XXXX. Due a financial hardship in the fall of XXXX, we fell behind in our scheduled monthly payments. The last time a payment was made on this consumer debt obligation was XXXX of XXXX. The debt obligation is currently contractually due for the XX/XX/XXXX payment. On XX/XX/XXXX and XX/XX/XXXX, purportedly The XXXX XXXX XXXX XXXX XXXX, as Trustee of the XXXX XXXX, and not in its own capacity, was assigned the beneficial interest under the Deed of Trust and not the Promissory Note. At the time of these purported transfers, the debt was contractually due for the XX/XX/XXXX payment. Nationstar  purportedly acquired the mortgage servicing of this debt obligation effective XX/XX/XXXX. Pursuant to the FDCPA and the RFDCPA, Nationstar and XXXX of XXXX XXXX as Trustee are " debt collectors '' and not " creditors ''. They are threatening and attempting to proceed with a nonjudicial action to dispossess us from our home without the legal right or authority to do so. Despite years and numerous attempts, they have failed to validate the debt and have failed to provide us with any documentation to demonstrate they have the legal ability to attempt to collect the debt, collect the debt, or enforce the power of sale contained in the deed of trust. Although we have taken legal action against them, they have not stopped and refuse to stop their collection and enforcement activities. We are filing this Complaint to make the CFPB aware of their wrongful, deceptive, and illegal actions. The California Supreme Court, the highest court in this state of California, confirmed in a XXXX ruling that a borrower is not entitled to pay an entity that is without the legal right and authority to collect and enforce. In California only a creditor, or an agent of the creditor, may attempt to collect a debt, collect a debt and/or initiate and complete a foreclosure action. Falsely representing that the foreclosure documents are legal process is prohibited and misleading and is in violation of California Civil Code 1788.16. Nationstar and XXXX  XXXX XXXX XXXX as Trustee are engaging in acts that are causing substantial harm not only to us but to California consumers and taxpayers. Immediate action must be taken to stop them from engaging in unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding federal and state laws they are mandated to abide by. They must be held accountable for their misconduct.
Consumer complaint received 2024-03-19
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. (NE)

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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1700.00} and XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Please delete the late payments and update my credit file ASAP.
Consumer complaint received 2023-11-07
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. (NC)

n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX can you please reinvestigate these accounts for accuracy and provide the source to verify them I am trying to make some major purchases and I need accurate information on my credit report
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (TX)

I am writing to inform you that my rights under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) have been violated. These violations have resulted in inaccurate information being reported on my credit report, which has had a negative impact on my financial standing. I demand that you take immediate action to rectify this situation by deleting the affected accounts from my credit report. Furthermore, I expect to be compensated monetarily for the distress and inconvenience caused by these violations. It is imperative that you address this matter promptly and provide a satisfactory resolution. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. 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 a 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 2023-11-20
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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