davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX, {$710.00}. 

Per the attached information received from XXXX XXXX XXXX ( see attachment 1 ), in an attempt for collections XXXX XXXX XXXX is reporting erroneous date opened information of this fraudulent account as well as the date of last activity of this fraudulent account. The documentation from XXXX XXXX  XXXX states this account was opened XX/XX/XXXX, and last payment was XX/XX/XXXX. However, XXXX XXXX XXXX is reporting to the credit bureaus of this fraudulent debt date opened XX/XX/XXXX ( attachment 2 ). This is a violation of the FDCPA Fair Debt Collection Act. XXXX XXXX  XXXX is reporting inaccurate information about this debt age and status and/or re-aged the status of this debt as well as misrepresentation of the judicial status of this debt. I do not own this debt and have no knowledge of this debt until recently XXXX. In addition, this is unfair or unconscionable means to collect this debt which is illegal. Therefore, please delete this account from my Experian credit report immediately ( see attachment 2 ).
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (UT)

A withdrawal of {$100000.00} was made from my Sofi Bank to my XXXX XXXX account around XX/XX/2023. XXXX XXXX  said I violated their terms and condition and thus my account is closed. The funds that was transferred from my Sofi Bank XXXX XXXXXXXX XXXX ) to my XXXX Bank needs to be recalled by Sofi Bank ( ( XXXXXXXX XXXX XXXX  This I all I need Sofi Bank to do. 
I am made to understand that my account with Sofi Bank will be closed too and I am not entitled to any remaining funds. But the {$100000.00} sent to XXXX XXXX  which they are asking Sofi Bank to recall was deposited through my XXXX. Please I need my money as this is my life savings saved in my XXXX  and was later withdrawn to my XXXX XXXX  that is closed the bank declined to issue a closeout check and asked that Sofi Bank recalls the money. 
I will attach my bank statement from XXXX XXXX  when the XXXX was made, the response I got from XXXX XXXX and the date the account was closed. Unfortunately I am unable to access my Sofi account to get the bank statement on when the funds where deposited and when the withdrawal to XXXX XXXX  was made. I hope I get a positive result this time and I hope I am well understood. 
Regards, XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

I changed car insurance companies and was informed of a claim on my insurance policy which I did not submit. I was informed by the company the claim was dropped ; however, when I transferred my car insurance to another carrier I was informed there was a claim on my car insurance dated XX/XX/23. I contacted Lexus Nexus and XXXX. XXXX stated it was filed in error and was unable to remove the claim from Nexus Lexus. Lexus Nexus placed a dispute with XXXX. 

The information is reported in error. I never gave XXXX permission to report any of my transactions to any third parties. XXXX never gave me the option to opt out of reporting to any third parties including consumer agencies. 

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to report this account on my credit report? No. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely to transactions or experiences between the consumer and the person making the report ; Please delete the above late payments from my consumer report, this agency is in violation of USC 15 USC 1681. 

Lastly, I am a victim of aggravated identity theft.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ME)

I applied for loan at XXXX XXXX and their response was in writing to me stating Experien reported me Deceased. Loan denied. I put a dispute in with experien and they told me I had to dispute with XXXXXXXX XXXX. I called XXXX and disputed that info but its been over 3 weeks and no response. This is so bad. I am not dead. My husband and I are very much alive and I need to get this fixed. My biggest concern is why XXXX or XXXX would accept that without a death certificate. Experien is the keeper of my info but they have failed to secure my personal info. I have disputes but no resolutions. I am not deceased. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I refinanced in 2022 for XXXX they gave me a quote of XXXX a month a year later they said my mortgage was going up to XXXX I called they gave me the run around. They finally said my refinance lady had miss calculated the taxes. She had only calculated half the taxes. I would of never agreed she was so misleading.
Consumer complaint received 2023-03-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-15
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-15
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Johnson Mark LLC (UT)

A debt I owed was referred to this company. I have no record of them trying to contact me directly. They sent a server to my mom 's house and I had to call and wait on hold for hours to track down someone who could tell me what it was for. I was able to pay off the debt in full over the span of less than a week ( final payment XX/XX/07 - over XXXX week ago ). I was told I would receive a paid in full letter within XXXX hours. It has now been over a week and I have called again, sent an email, and am currently on hold to request again. 

This company uses very aggressive tactics and they already tried to serve me and take me to court once so I am understandably very concerned they're withholding this legal document. In Utah the law is they must provide the letter within XXXX  days. It has been XXXX with no progress. 

Until I have that letter, I'm in a constant state of anxiety waiting for a server to show up, or my paycheck to be garnished because so far all this company has done is show they are extremely aggressive and can't keep their word.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

I was double charged for an excursion by the hotel. This was finally resolved, however, one of the amounts remained on my credit card so I reached out directly to the Hotel Manager who tole me I was owed a credit of approximately XXXX euros. I have this in writing and have been dealing with Barclays for over 2 months on this matter and they have not been able to resolve it, nor can they call me due to something they claim is Robo calls which is irrelevant. The bottom line is after speaking to 2 rude individuals I have closed this Master Card completely. They have not responded to multiple emails I have sent them with the correspondence from the Hotel Manager and have not resolved the difference on my Master Card which is approximately {$100.00}. Your assistance is greatly needed to resolve this matter.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-05-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO (MA)

On XX/XX/XXXX, I opened a complaint to First Bank PR due to the fact that the bank was not reporting the correct date of first delinquency to both XXXX and XXXX credit bureaus. I provided with all the documentation to prove that the date being reported was incorrect and that this date was to be corrected when reporting this account to the credit bureaus. 

On XXXX, First Bank PR responded to this complaint and admitted that the date being reported to credit bureaus was incorrect and that they submitted a request to both XXXX and XXXX to have this date corrected. First Bank PR attached to the complaint the form used to report the corrected information ( see attached ). I have also attached to this complaint a copy of the previous complaint showing the bank 's response. The correct date that First Bank PR should report as " Date of First Delinquency '' is XXXX, as you can see in the original complaint. 

XXXX proceeded to update this date within 3 days of the bank 's response but XXXX never updated the information. 

On XXXX I called XXXX and explained the situation and provided them with the document that First Bank said they sent them. XXXX explained that they never received a request to update information in the account on or around XXXX XXXX XXXX  and that they could not update the date. Per their records, they still show the incorrect date of first delinquency. 

I request that First Bank PR contact XXXX and request them to update the date of first delinquency to the correct date, which is XXXX
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

i had a Capital One credit card and they kept waiting days and days to take my money, even though i talked to my bank and the funds were there, they would processes it for days, so that i would get a late fee on my credit report, i paid extra every month, and they said my payments were returned and theres no way i had money in my account, i looked at my payments and what i purchased and the way i see it is they owe me XXXX dollars that i paid extra because they took so long to take my payment they ruined my credit, and i talked to someone just last week he said my ballance was XXXX, i have a witness to all this as well, please help
Consumer complaint received 2023-11-15
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. (GA)

I have never had a single late payment on XXXX of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CADENCE BANK (TX)

The bank worked with our builder to change terms of our mortgage and devalue our home by ~ {$90000.00} by changing line items in our budget without homeowner consent. They did this with documented manual budget overrides and ordering inspections to obligate us to pay the builder even though work was not complete, also reimbursing the builders for {$36000.00} of out-of-scope work, not agreed to by the homeowners. The bank executed loan modification agreements that were obtained through blackmail, as witnessed by the bank. We believe the bank did this in order to secure future business with the builder.
Consumer complaint received 2023-11-15
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX Texas, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there. Please see letter from the apartment complex and email chain for corporate office. I never lived at this address so how could I have been evicted? Please stop reporting this false information.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

On XX/XX/18, I signed up for an account with Citibank for a {$400.00} bonus when I deposited {$15000.00} within 30 days and kept the amount for an extra 60 days. I did all of that yet have not received the bonus as of XX/XX/18. I contacted them three times, opened a case on XX/XX/XXXX yet have received no form of communication regarding its status, despite being told it would take 14 business days. I then called XX/XX/18 and their customer service rep said that no supervisors were available, put me on hold for 26 minutes combined, and was then told that no one could help me. This is unacceptable and I deserve the bonus to which I signed up for and met all the terms and conditions.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 {$790.00} Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reference XXXX 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 2023-09-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: SYNCHRONY FINANCIAL (NY)

Mattress Firm was a running a XXXX XXXX sale for 3 % back on a XXXX XXXX XXXX XXXX for a balance of about {$67.00}. I received my Synchrony card, activated it as instructed, and tried to use it at XXXX, however it could not be processed. When I called the automated number to check the balance again, {$22.00} had been deducted from the card even though it could not be processed at XXXX at checkout and I used my personal card as payment instead. I then went to the website on the card to see what was deducted as the {$22.00} and the website said the card was invalid and could not be found. 

After doing some digging on consumer message boards, I'm learning that the issuer of the XXXX XXXX XXXX, XXXX XXXX, is a scam. 

I tried reaching out to Synchrony multiple times with no response. 

This is not only misleading as a sales perk, but also fraudulent.