davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (TX)

I have been unemployed since XX/XX/XXXX and had applied for unemployment which was approved but ran into several hurdles before finally appealing and having that be successful. That happened on XXXX. This morning I checked and saw that the XXXX XXXX XXXX direct deposited XXXX into my SoFi checking account. I had been checking the SoFi app every day and even had an 8 day streak. I was doing this in hopes that Id get some money between now and when I was fired illegally ( XXXX XXXX  ). The last time money was in that account was may when my former employer sent my sabbatical payout but aside from that I have nothing. The account was dormant since then, over drafted but nothing was happening otherwise. 

I checked this morning to see if my XXXX  payment was delivered to be met with no account, as if I never signed up for it. It was just gone. 

Went to their chat support and the message stated that it was temporarily restricted and gave me a number to call. When I called I got someone from XXXX who couldnt have cared less. They stonewalled me with my questions and kept putting me on hold to find a manager but conveniently couldnt find find one. Then they said that the account was permanently closed and wouldnt give me any info. 

There was no email prior, no notice. It I highly suspicious that they would close it the very same day I got my UBI so I believe they stole my money and I wont see a cent of it for months, if at all. 


The only reason I have SoFi is because I signed up under a XXXX offer back in XX/XX/XXXX and have been in good standing with them prior to being fired illegally.. I primarily used the account for my entertainment budget which consisted of sweepstakes games and other things related to entertainment. I can verify where all these payments came from and where they went. But like I said once my former employer fired me illegally their direct deposit stopped and thus the account went dormant. Once if I got some money it was going to that account. It is my payout account for many sweepstakes sites but that well dried up too. 

XXXX was a horrid year financially for me and XXXX does not seem to be doing great either. Ive been struggling to keep it together since my XXXX XXXX  got worse and I never can get ahead to get it corrected. This is just another barrier in my way and Im so tired of fighting. 

Please help me! Im going to be calling XXXX in hopes they have not sent the funds yet to the bank but SoFi tends to deposit same day so i may be out of luck, but even tbey should not be doing this to people.
Consumer complaint received 2023-06-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

Credence calls me once a day Monday through Saturday. Sometimes like today they call me twice. The numbers are from different area codes. 

They are trying to collect a medical debt from 3 years ago. I was not aware the this bill. 

When I spoke to them I was confused to why this is coming into line when I thought it was dealt when the original company got the current date of birth for my child to where they can bill it correctly to my insurance. They told me if I dont pay it will affect my credit score.
Consumer complaint received 2018-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On my TransUnion credit report, there are two hard inquiries from " XXXX via XXXX  XXXX ''. 

One of them happened on XX/XX/XXXX. I have confirmed with XXXX XXXX  that this inquiry is for the other person, who is wrongly recognized as me. I've explained this to XXXX and sent TransUnion my email with XXXX XXXX last year. But it seems that the hard inquiry has not been removed yet. 

Today, I just found that there's such a hard inquiry again. I really have no idea whom I should ask for help from to remove these two hard inquiries. I am always living in the same place from XX/XX/XXXX, so it is obviously impossible that I'm looking for somewhere new.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I am writing to formally contest an entry on my credit report, which I believe has arisen due to identity theft. After recently reviewing my credit report obtained from your bureau, I have identified inconsistencies pertaining to the account : XXXX XXXX XXXX XXXX XXXX. I neither initiated nor authorized the opening of these accounts, and it has no association with me. I suspect that my personal information was compromised, leading to the unauthorized establishment of these accounts. To support my dispute, I am furnishing the subsequent information. I kindly request that you embark upon a comprehensive investigation into this matter, expunge the fraudulent account from my credit report, and furnish me with a corrected credit report upon the conclusion of your investigation.
Consumer complaint received 2022-11-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-04-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (IN)

Was contacted by phone in XX/XX/XXXX, threw conversation with a person from the company determined that my social security number and date of birth that I was not the person they were looking for. The debt owed was for college loans and I never went to college.They continued to mail me letters asking for payments, that are not mine, at least three or four letters, the last dated XX/XX/XXXX. I have called at least three times and asked them to stop harassing me. Each time we established I was not the person they were looking for and they said it was taken care of.
Consumer complaint received 2023-09-04
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. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2022-11-10
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. (AL)

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 
XXXX XXXX Account # : XXXX Balance : {$500.00} Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$3000.00} Open Date : XX/XX/XXXX XXXX
Consumer complaint received 2022-11-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MD)

XXXX XXXX Credit Card paid in full, XXXX, credit reporting reflecting as " paid in full '' and past due simultaneously. Called their customer support number provided by experience, spoke with representative XXXX who would not provide any additional information about himself. He advised that the account would not reflect as paid in full until XXXX, was rude and provided inaccurate information. Advised that I could hang up and call again to speak with someone else if I did not like his response. I advised multiple times I would like to dispute the reporting that is reflecting past due for XXXX. Credit reporting is inaccurate.
Consumer complaint received 2017-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NJ)

This debt collection company just recently inserted a debt for {$290.00} for creditor XXXX under account number XXXX. I have cut and pasted my original dispute with this creditor from 10 months ago. I have no knowledge of debt/fraud. The original creditor should have notated this in the records or the collection agency by accident listed this account on my reports. 


XXXX XXXX, XXXX Completed XXXX Reported on XXXX XXXX, XXXX {$290.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This account was fraudulently opened by someone who stole my identity.
Consumer complaint received 2022-11-10
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. (NY)

on XXXX i submitted a complaint through cfpb, and experian has verified the account in question. 

XXXX XXXX XXXX  Account number XXXX a charge off with a balance of {$550.00} Is the account I disputed Experian has said they verified this as accurate and has not removed it from my report. how can you verify a charge off with a balance. 
a charge-off means that your creditor has reported your debt as a loss, so if they written off as a lose on there books how could there still be a balance reporting on that account. 

my rights are being violated and it is also older than 7 years since n should be removed regardless
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I sent a payment through from my bank. When I sent this payment, my bank showed me the date it would be received, and it was on the due date. My bank shows the payment being sent on that day. Amex is showing the payment received the following day and has charged me a late fee. After calling to dispute this charge and having a hostile agent tell me it wasn't getting removed, I am filing a complaint here.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

FORECLOSURE FRAUD against our HOME - PLEASE HELP INTERVENE!!! 

Nationstar Mortgage LLC - the subject of XXXX ' Foreclosure Fraud Complaint with CFPB, recent file # XXXX submitted in XXXX XXXX, now proceeds to cause a Notice of Trustee Sale to be recorded against the XXXX 's home on XXXX ... based on.. 

FORGED Foreclosure INSTRUMENTs ... and based on an UNLAWFUL Notice of Default -- DEFAULTED Debt Validation Request ( attached ), False Servicer Declaration, as explained in referenced Complaint File, False " current owner of Debt '',, and FALSE Trustee Quality Loan Service Corp who recorded the NOD and NOTS -- with claims that are based on a FORGED Substitution of Trustee ( CFPB File XXXX ) ... 

This all started with Nationstar 's FALSE CLaim as Assignee, with its " self-executing and manufactured assignment instrument '' which it caused to be recorded XXXX XXXX ... purportedly from original lender Homecomings ( via MERS ) -- which could NOT BE POSSIBLE because Homecomings filed for Ch XXXX bankruptcy in XXXX XXXX, hence no asset to transfer to Nationstar in XXXX. XXXX XXXX. Sections XXXX, XXXX, reference : XXXX XXXX XXXX XXXX XXXX, case # XXXX, XXXX Bankruptcy Court, XXXX XXXX XXXX New York. 

With only FORGED INSTRUMENTS, and NO PROOF as required by the foreclosure laws in XXXX XXXX XXXX XXXX - we appeal to CFPB 's authority to HELP STOP this ILLEGAL TAKING AWAY of Our home. 

Thank you for your URGENT HELP!
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I received a letter on XX/XX/XXXX from chase Bank stating that they put my account and my daughters account on restriction. I called the bank and they said I deposited a XXXX check into my account last week and it can't be verified. Well I told them the number is on the check. I contacted Chase Bank on XX/XX/XXXX and asked about the check and explained that I did not want my account closed because they're threatening to close mine and my daughter 's account over this XXXX check I deposited on XX/XX/XXXX. I've called 2 different people today, XX/XX/XXXX and got told once again they can't verify the phone number to Burls because it doesn't come up in the system... but it is the ONLY number for XXXX XXXX XXXX. The Bank was very adamant about the number having to come up in their system to verify. This is ridiculous. Now I'm not going to get my XXXX is what chase Bank told me as they are bouncing the check when it is a GOOD/Valid check. Burls even said they have never heard of this happening. Burls even reached out to chase bank and left a message for them to call them back. So I need help! I just want my XXXX to be in my account. I'm a single mom and needed it.
Consumer complaint received 2023-09-27
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-10
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. (MI)

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 Accounts : Account XXXX Date openedXXXX  XXXX, XXXX Account XXXX XXXX, XXXX. 
Address XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX Account numberXXXX  Date XXXX XXXX, XXXX Account typeCollectio Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( XXXX ) XXXX Account XXXX Date XXXX XXXX, XXXX Account typeCollection XXXX XXXX ACCOUNT SYSTEM Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( XXXX ) XXXX XXXX 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 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX unknown XXXX XXXX XXXX, XXXX Unknown XXXX XX/XX/XXXX Original Creditor XXXX XXXX XXXX XX/XX/XXXX unknown XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-24
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: Resurgent Capital Services L.P. (TX)

PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO LVNV FUNDING LLC. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT LVNV FUNDING LLC IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTER DATED AND TIME STAMPED FOR YOUR REFERENCE.
Consumer complaint received 2015-09-01
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (HI)

I 'm a renter and our rental home has been foreclosed on. Nation Star offered a cash-for-keys settlement in lieu of going to court to get a vacate notice. I accepted their offer and moved all our things into storage. 3 days before Nation Star was to send a realtor to the house to give the check and I hand over the XXXX keys they called me to back out. I was told the offer still stands and that they will still give me the settlement offer but they have stopped calling me and taking my calls. Whenever I call to get updates they put me on hold and never come back on. Because of this it has caused me stress which I now have XXXX and have been hospitalized XXXX times. I 'm also now on the verge of losing my job because of my medical condition. I was told by an XXXX XXXX that my XXXX is being caused by all this stress I 'm going thru.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I tried to unfreeze my credit at Transunion. I logged in and was emailed a two factor identification code. My identity verification failed and I was advised to call a number. After several attempted calls, I finally got through ( line disconnected and guided to a text service that told me to call the same line ) to a foreign call center. The person was sounded fishy and I was worried that he was fake and it was a scam. He gave me an email address to send personal identification material to which seemed fake. He would not send me an email to fill out. I could not upload this information on the transunion webiste. He then gave me a phone number to call to unfreeze my credit after I complained that he sounded fake. 

I called the number and I could not reach a person to unfreeze the credit. The phone automated call just looped around and hung me up.