davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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: SOFI TECHNOLOGIES, INC. (FL)

On XX/XX/year> I placed an online order through a store named XXXX XXXX  that was listed on XXXX. I purchased a grill in the amount of XXXX. I received a confirmation email of the order with order number XXXX. After that all correspondence from the company ceased. No item was ever shipped. Upon trying to contact the business via the phone number listed I learned the number was to an auto car dealership out of Texas. I checked the address listed of the business and it too did not come back to the business. I filed a fraud with Sofi Credit after discovering I had been scammed and the website to the so called business was fraudulent. Sofi conducted there " investigation '' and closed it out. They determined it was not a fraud because I placed the order and entered my credit card information. They further stated this was a dispute with a merchant but since the case was investigated as a fraud they could and charge was reversed they could not reopen the case again. I informed them numerous time that I did not authorized a fraudulent company to charge my credit card and steal my money. The website was a scam site and I was defrauded. SOFI fraud department refused to help me stating this was a dispute with a vendor and since I filed it as a fraud there was nothing I could do. The website to this fake merchant XXXX no longer exist and had been taken down. They are no longer on shopify and nowhere to be found. I explained to Sofi customer service on numerous occasions and told them the phone number listed was not valid and neither was the business. I had customer service agree with me, a manager agree with me, reopen the case multiple times and even had it escalated. The second it gets to the fraud department it is closed out. I was even told by a Sofi dispute department manager that it's like XXXX XXXX and basically buyer beware. That is so unacceptable. Anyone with any sense could tell I was obviously scammed. This is clearly a fraud yet Sofi hangs it's hat on semantics claiming it's not because I made the purchase. A purchase on a fake website for an item I never received. This is not how I know XXXX operates and I know they actually fight on behalf of their customers. Sofi then referred me to XXXX since they processed the transaction. Stripe does not deal with customer disputes and referred me back to Sofi. I need help resolving this. It is evident I was scammed. I should not be held responsible for this charge. Yes I entered my info and tried to buy a grill, but I never authorized a fake business to charge my card and never send me anything.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

In XXXX my husband went to XXXX. While there we took a taxi on XX/XX/XXXX from the XXXX XXXX to the XXXX XXXX  which should have cost somewhere around XXXX XXXX {$10.00}. The driver told us his company would only take a credit card so we agreed. He did not give us a receipt. When we got home, we discovered that we had been charged {$560.00}. We dont know if it was a decimal point error or was done deliberately. We initially reported it as fraud but we were told that since we received benefit, it wasnt fraud. We then reported it as an incorrect amount but without a receipt we were again turned down. Although the representatives agreed that it was an unreasonable amount, they couldnt help.
Consumer complaint received 2018-04-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 
Bank of America XXXX XXXX
Consumer complaint received 2023-12-12
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. (MI)

I have been disputing multiple accounts with this agency on multiple occasions and have yet to be properly assisted. I have updated my personal info and still incorrect information is connected. I have these exact accounts apart of a lawsuit due to negligence. The same accounts are being added multiple times to change the ages. I am a XXXX  mom who has a XXXX XXXX XXXX  baby. I can not get a car, a decent income source, credit or a home. I didnt know what to do so Ive come to taking legal action. I am needing desperately to get into a vehicle before the year is over because I live in a cold state. I want to get my baby a home of our own this upcoming year as well. 

I have been receiving calls, texts and emails in regards to these fraudulent accounts that should not be attached to my profile. This has been depressing and very life alternating. 

I have attached the tracking number for the latest dispute and personal info update submitted. I have yet to hear back about updates or investigation status.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

Our business maintained a small checking account with TD Bank for several years. 
They closed our account and refused to give us the funds that were in the account when they closed it. 
We had gone to the bank to get a recent statement, since we could no longer access our account on line. 
The balance in our account is/was {$1600.00}. 
When I visited the bank and submitted back up papers, their response was that there is no way to prove that the money in the account belongs to us.
Consumer complaint received 2023-12-12
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. (VA)

XXXX XXXX XXXX XXXX and Experian Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and Experian regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and federal law concerning identity theft reporting on my credit report. I have repeatedly informed both agencies about the identity theft, providing necessary documentation such as police reports and identity theft reports. Despite numerous notifications, the inaccurate information persists on my credit reports.an accounts opened in my Name for XXXX XXXX XXXX XXXX and XXXXXXXX XXXX was from Id theft I've send my police report and id report in numerous times these company 's are in violation of federal law and need to have some consequences I believe these ongoing violations not only jeopardize my financial standing but also demonstrate a blatant disregard for the legal obligations outlined in the FCRA. As a result, I am left with no choice but to consider pursuing legal action, including the initiation of a class-action lawsuit, unless immediate corrective actions are taken. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate actions against XXXX and Experian to rectify the violations promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

As of XX/XX/XXXX my XXXX XXXX XXXX had not been paid by Nationstar dba Mr. Cooper, which would expire on XX/XX/XXXX. I contacted them after receiving an email about the issue, and was informed that they had reached out to XXXX  XXXX XXXX and were waiting for a response. I received no further communication. On XX/XX/XXXX there were no updates on the Mr. Cooper website, so I called XXXX XXXX XXXX to ask about my policy to find that it had been cancelled due to non payment. I now have no active fire insurance during the height of fire season in a high risk area. XXXX  XXXX XXXX said they would send me a new quote since I now have no active policy, and I could buy that policy. I will have to wait up to a week for this process. This has happened every year since they bought my mortgage in XXXX, and I have had to pay the policy out of pocket every year despite having an escrow account.
Consumer complaint received 2023-04-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Credit Fresh Holdings Inc (AZ)

Credit fresh is looking to harass me and that is all there is to it. Let me XXXX you a few examples. For one, I keep making payments and my balance remains the same staying at about XXXX dollars for about 3 months now, if not more. If that's not happening let me tell you what i think is the most messed up. I went to XXXX  back in 2021 for a year and my payments came out of my bank automatically and for some reason when I was in XXXX  they stopped the payments. This has been the biggest obstacle because my loan would be paid off at XXXX dollars a month for 11 or 12 months. Maybe my math is off. Well the worst part is when they called me on the first Saturday in XXXX with there robot AI, must have gone rouge or something, but anyway I call them and they make me talk to robots and I get nothing done with that. They created this company when I got a loan anyway I'm sure I was the first customer but I hope to XXXX I'm the last as well because this has not been fair. With the hassle they should be paying atleast 10 fold if not more. Thank you, but I'm XXXX  of being called out of my name like I am someone to just bully all the time. OK you will hear about it. I guess that's just the way my bank account is going to have to work.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

In my XXXX credit report there appears a debt account in a state of delinquency, presented by your company which was paid to the creditor that the company assigned, please request that the error in my credit report be corrected, below in the Attached files I send you the account information settled in full.
Consumer complaint received 2023-12-12
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (FL)

good afternoon, the entity rooms to go closed my account affecting my credit score XXXX, first I had a delay in the card and I paid them with interest, which meant that instead of improving they lowered my quota from XXXX to XXXX, charging an amount of interest and this month that I did not make the payment on the XXXX to the XXXX, they arbitrarily closed my account. It doesn't seem fair to me that they obstinately complicate my score.
Consumer complaint received 2024-07-16
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Paramount GR Holdings, LLC (MA)

The company is GoodLeap my opinion a fraudulent company. My payments were not being credited and when I got a payoff figure they failed to post it to my account. This has been going on now since the beginning of XXXX. I called yesterday and asked for a statement showing the account paid in full and they refused. I have contacted my own Attorney to let them know that his company GoodLeap steals consumers money. I have also contacted their local ( city or town ) Attorney General to report the misuse of funds. 

Regard
Consumer complaint received 2023-12-12
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. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2023-12-12
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. (AL)

I submitted a letter to the 3 Credit Bureaus last XXXX XXXX XXXX  to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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. (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
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (AZ)

I'm writing about a concerning issue with my credit file. I've discovered a collection entry from your agency that I was never notified about. I have serious doubts about the validity of this claimed debt. Under the Fair Debt Collection Practices Act, I'm exercising my right to request debt validation. Please provide the required validation and address this issue appropriately.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (PA)

I am submitting a CFPB complaint to request an investigation and correction of the listed account, which appears to be incomplete and inaccurate on my credit report, as provided for by the Fair Credit Reporting Act. The account in question is with XXXX XXXX with the account number XXXX, and a balance of {$0.00}. I urgently require confirmation of the current status of this account. I have reason to believe that the information being reported is incorrect, as it does not match with my own records. Therefore, I am requesting a thorough investigation and prompt correction of any inaccuracies to ensure that the information on my credit report is legally and lawfully accurate.
Consumer complaint received 2023-12-12
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. (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 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 2023-12-12
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (GA)

I sent a certified letter with return receipt to NCB Management Services on XX/XX/year> to request " Validation '' of an alleged of {$3100.00}. NCB Management Services has " Failed To Notify '' XXXX, XXXX, XXXX and any other consumer reporting agencies about the disputed Collection account found on my consumer profile which has NOT been properly validated. NCB Management Services is using an unlawful tactic known as " XXXX XXXX '' on my consumer profile without delivering required disclosures prior to furnishing data to the consumer reporting agencies. A " CEASE and DESIST '' of communication was requested in the Validation letter. XXXX activity and/or communication to third-parties has not ceased by my personal non-public information being shared without proper Validation or consent. NCB Management Services has been " Wilfully Non-Compliant '' with sending emails which had unsubscribed from, in violation of my consumer rights under the FDCPA. NCB Management Services is damaging my ability to obtain credit, and affecting my mode of living.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

This company has a credit of mine and wont close the account and send me my credit. They literally hang up on me when i call and i've left XXXX messages for a supervisor to call me and no one has called once.
Consumer complaint received 2023-12-12
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. (KY)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2023-12-12
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. (TN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX