davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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. (MO)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they 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 # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX Balance : {$170.00} ; XXXX  XXXX XXXX Balance : {$450.00} ; XXXX  XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX  XXXX Balance : {$7100.00}
Consumer complaint received 2022-11-27
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'm requesting that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy : Bankruptcy Reference # XXXX. Incorrect Name : XXXX, XXXX, XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 inaccuracy.
Consumer complaint received 2024-03-02
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. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-01-26
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. (MD)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete please be immediately investigate and update it on my report. 
XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$8100.00}.
Consumer complaint received 2016-05-03
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (LA)

I transferred money to a programmer about a year ago to design and program games using the XXXX software. The job started out ok, he was making progress and sending me different builds. After a few weeks, he completely stopped communicating with me and I had to start a dispute on paypal. Once the dispute was elevated he finally communicated with me and said he would finish the games in 2 weeks if I cancelled the dispute, so I did. Needless to say, he did not finish the games and would keep telling me they would get done. I made the mistake of believing him because I could not dispute the charge again. It has been months and I have not heard from him. The services paid for were not completed and he has stolen my money. I have supporting documentation and communication proving he did not complete the work and will not respond to any messages.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My account was closed due to an unknown reason, with Bank of America. I ordered a new card due to fraud and I never received the new card. After a week or so, I received notifications that my account had been closed due to a check being deposited. I made the bank aware that I did not deposit a check and that I never even received my new card and asked if they could simply check the cameras to help found out who may have deposited this check. Not only did I never receive my card, the check that was deposited was not in my name. They told me they would investigate the issue, but did not. They closed my account and it would no longer allow me to open another account.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

Offer says " Within 30 days of opening your account, deposit {$50000.00} in New-to-Citibank funds between the new checking and savings accounts. Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. '' However, the customer service requested that I need to maintain the funds in my account for another 90 days to qualify the requirement for the bonus. It is scam.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (GA)

On XX/XX/XXXX I received notification that my savings account had been frozen due to irregular activity. I received a response from SoFi Bank, N.A. dated XX/XX/XXXX. In the complaint they cite the SoFi Deposit Account Agreement noting the right to restrict the account if we identify suspicious, irregular, unauthorized, fraudulent or illegal activity They noted that the Member Security Team was handling this investigation and that I was entitled to reach out to the Member Security Team at XXXX. I have enclosed their response with this letter. 

There was a singular irregular deposit made to my account that I am unaware of who was the intended designee and do not dispute that these funds were not intended for me. This transaction entitled XXXX XXXX XXXX XXXX in the amount of {$880.00} remains unclear to me who it is intended for. SoFis own website interface for questioning a transaction provided no way to provide information to the bank or question a deposit short of calling and speaking to Customer Service. Indeed, the funds were left in the account expecting this transaction to be reversed. I have enclosed a log of activity/deposits to the account with this letter. 

All other direct deposits were made by spouses employer ( XXXX XXXX  XXXX XXXX ) to our bank account for payment of his work ( XXXX XXXX ). The deposits entitled XXXX XXXX  XXXX XXXX reflect my spouses work and the 2 separate transactions reflect 2 separate paychecks on a regular basis. 

I have received complaints from the bank through the OCC noting that they intended to close the account as of mid XXXX and confirmed via update of this intention XX/XX/XXXX. I was highly disappointed to speak to the member security team on XX/XX/XXXX and be told only 1 ) that there is no update, 2 ) I could not have any timeline of when there would be an update and 3 ) if I wanted to know if there was an update I would have to call back and then I was hung up on. SoFi Financial has told regulators repeatedly that they have made the determination that the account would close but has made no effort to actually provide the funds back to the account. There were only 3 separate payor sources on the accountXXXX GA, a carwash deposit and my initial funding deposit. In terms of investigation we are over 30 days from when the final determination was made to close the account and over 90 days from the initial notice that SoFi intended to close the account. Per the response from the OCC, it stated that HR of one employer had already been contacted leaving only two additional transactions to work on. How long could that reasonably take? If I had funds that were not mine, actions would have been taken in days to weeks, not months.
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (MI)

I REVIEWED MY CREDIT REPORTS WITH EXPERIAN, XXXX AND XXXX AND I NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY REPORTS. XXXX XXXX IS REPORTING A REPOSESSION BALANCE ON MY CREDIT REPORTS AND I HAVE UNAUTHORIZED CREDIT INQUIRIES FROM XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (OH)

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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States :
Consumer complaint received 2024-06-28
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. (NY)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ, XXXX Incorrect XXXX : - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX  XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: The Savings Group, Inc. (TX)

Hello Im reaching out today, in regard to my gap insurance needing to be canceled through Rategenius. Rategenius has informed me that I cant cancel my gap insurance and receive a prorated refund because after 60 days of purchase gap insurance is non-refundable I was never verbally informed of this when adding gap insurance through RateGenius. What happened is that I recently refinanced my vehicle again this month through XXXX on XX/XX/XXXX. Since I refinanced and was approved through XXXX I no longer need gap insurance through rategenius. The problem is Rategenius isnt allowing me to cancel the gap insurance through their company. XXXX laws states that all gap insurance policies can be canceled and pro-rated refund would be issued. My next issue is that both companies that I have refinanced with used the same exact XXXX XXXX but somehow with RateGenius its nonrefundable and with XXXX its refundable even though its the same exact company. All I need is assistance with getting refunded because my new Lien holder has added gap insurance within my new loan therefore I no longer need the gap insurance throuXXXXh RateGenius. I  am owed around {$700.00} Thanks! 

Refinanced with RateGenius on date : XX/XX/XXXX GAP XXXX : XXXX XXXX  XXXX : Nonrefundable after 60 days. 

Refinanced with Caribou on date : XX/XX/XXXX GAP XXXX : XXXX XXXX, XXXX Refundable after XXXX with prorated amount
Consumer complaint received 2022-11-28
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXXXXXX 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 2022-11-21
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: Bread Financial Holdings, Inc. (CT)

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report
Consumer complaint received 2022-11-27
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. (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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2019 I was involved in a auto accident that totaled my vehicle as determined by my insurer XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was sent a letter notifying them that XXXX would be paying off the balance of the loan. XXXX XXXX sent me an email notifying me that I did not need to make further payments on the account. I called XXXX XXXX to discuss the email I had received and they assured me that no derogatory information would be sent to the credit bureaus during this process. It is now XX/XX/2019 and XXXX has not paid XXXX XXXX and XXXX XXXX has reported a late payment to the credit bureaus dropping my credit score from XXXX to XXXX. There consumer relations group is worthless in trying to resolve the problem. My next step is to file a Federal Fair Credit Reporting Act Lawsuit against XXXX XXXX.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (MO)

I had few of inquiries affected my credit to low credit that which they told me that will not affect of inquiries to my credits until I was checked my credit scores and I found out that I had many inquiries. No wonder I cant get approval for buying first time house. I am learned about it for inquiries. Please helping me to remove the inquiries out from my credit scores. So I can buying new house with my first time. 
Thank you, XXXX XXXX.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (TX)

Corelogic Credco reported a erroneous account and much lower credit score than XXXX credit bureau is teporting when XXXX XXXX XXXX XXXX had Credco provide my XXXX credit they provided different information on behalf of XXXX.
Consumer complaint received 2024-06-28
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. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-28
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. (NY)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX EMP Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - 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 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 XXXXLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX  ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!