davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX Balance : {$30000.00} ; XXXX XXXX  XXXX XXXX Balance : {$40000.00} ; XXXX XXXX Balance : {$41000.00} ; XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$470.00}
Consumer complaint received 2024-04-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (FL)

On XX/XX/2023 I applied for a " loan '' or " open line of credit with net credit. like everyone else I was in a severe desperate pinch for money and fast, im newly XXXX XXXX XXXX. and im drowning from trying to keep up with the payments from this company and im not understanding how their repayment process is even allowed in this country. 

XX/XX/2023. 
- applied for {$3100.00} credit advance. 
- charged 10 % " fee '' received only {$2700.00} I have made 10 payments ranging from about $ XXXX {$180.00} and my balance is only at {$2700.00}. 

I made a big mistake working with a company that operates like this.
Consumer complaint received 2023-06-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In accordance with the Fair Credit Report act, BANK OF AMERICA, 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 an account without my written instructions.
Consumer complaint received 2023-06-05
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. (GA)

I have asked them to investigate the completeness and accuracy of these accounts and to furnish me with the contract between me and them and they can not!! 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 Account Number XXXX Account Name 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 ( AX1 ) 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. In this is holding me back in hurting my credit profile from my future of purchasing me a new home
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (MD)

I had put XXXX $ on my SoFi card I went to take out some money my account say it was restricted I uploaded my id many time call them to get a answer when is the money going to be available SoFi agent as been laughing at me during this hang me out for 4 days until now I cant get my money cant tell me when is my money going to be available. I see they making people upset Example of what they are doin look at the old man that killed the XXXX driver same thing SoFi doing by playing with costomer on the phone laughing when we try to get our money
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (MO)

About XXXX  months ago I had a fraudulent transaction occur on my debit card where an ATM charged me, but failed to provide me cash out of the ATM. SoFi managed to provide me provisional credit and provide a security review on the case without locking my account. Once reviewed they turned my provisional credit permanent. They also replaced my debit card as expected. 


On XX/XX/2024 I had another fraudulent transaction occur with the following amounts being taken from my bank account. It seems someone in California got my debit card and XXXX XXXX XXXX themselves a lot of money : XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX : - {$200.00} They actually started doing this on XX/XX/XXXX, but it was only for {$25.00} so I didn't notice it. 

XX/XX/XXXX : XXXX XXXX XXXX : - {$25.00} Since then they provided me provisional credit, but froze my account completely, the provisional credit is useless. I also don't have other forms of money I can use so I have had to loan money from my friends. All of my bills are starting to get late charges and I want these reimbursed as well. They fail to provide me updates on this review which leaves me in the dark and having no estimated time frame of when my bank account will be unfrozen. I have spoken to the security/fraud department which only has one level of support, and the customer experience team through both tiers of support.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XX/XX/2022 I filed bankruptcy to save my home. My lawyer said if my mortgage company approved my loan modification then there was no need to go through with the bankruptcy. The mortgage company approved the loss mitigation so my lawyer said not to make the first bankruptcy payment so it would be dismissed and removed from credit. It was dismissed in XX/XX/2022 for {$0.00} but they are STILL reporting it in my credit reports hindering me from receiving jobs and any credit.
Consumer complaint received 2022-12-06
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. (FL)

After looking over my credit report I see that I have hard inquiry from XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022, that I did not authorize. Please remove all of these hard inquiries.
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AR)

Had a XXXX mortgage for a number of years. In 2012I XXXX was unable to work. I called XXXX, they told me that they would work with me. They forclosed on me instead. I was able to stop the sale by borrowing XXXX. They told me that I would be able to get a 2 % loan. I could never get all the documents they wanted ... I always needed one more.They have since sold my loan to Nationstar. Nationstar put me on a trial payment. They told me that I would get a better rate and a lower payment. They kept the rate the same and extended the mortgage 10 years. This takes XXXX % of my income to pay this. They have lied to me just like XXXX. I want to know what my rights really are. I can be reached at XXXX.
Consumer complaint received 2017-09-19
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. (WA)

I have disputed information on my credit report with TransUnion twice under file number : XXXX, regarding an Adverse Account item reported to my credit report : XXXX - XXXX XXXX XXXX XXXX # XXXX This item shows me as owing {$540.00}, delinquency of 30 days plus, and that the Account type is open. 

I have provided documentation to TransUnion, which shows a check was deposited for {$540.00} by XXXX XXXX XXXX XXXX to their account number : XXXX. The check was paid by my credit union via my checking account. Check number : XXXX, dated X/XX/2017. 

Additionally, I disputed the fact that I was late in paying this debt. I provided documentation to TransUnion that showed a Security Deposit Statement was sent to an incorrect forwarding address. That letter was never received by me via regular mail. 

Instead, I only received this letter via email on X/XX/2017, from the apartment manager, After weeks of trying to get information regarding the status of my deposit from XXXX XXXX, which is XXXX XXXX XXXX XXXX, owned by XXXX XXXX XXXX XXXX XXXX. 

I provided TransUnion documentation of emails which proved the date I received the Security Deposit Statement via email on X/XX/2017 from XXXX, the Apartment Manager of XXXX XXXX. 


Below you will see copies of these documents.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : 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 2023-08-03
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. (MD)

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to TRANSUNION. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity and also unauthorized inquiries .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (TX)

Bank Name Sofi Bank Contact number XXXX ( XXXX ) XXXX Issue two disputes Dispute number XXXX RE : Acct # : XXXX Merchant Name : XXXXXXXX XXXX XXXX  Transaction Date : XX/XX/XXXX Total Amount : {$4900.00} Disputed Amount : {$4900.00} Claim Date : XX/XX/XXXX Dispute # XXXX RE : Acct # : XXXX Merchant Name : XXXXXXXX XXXX XXXX  Transaction Date : XX/XX/XXXX Total Amount : {$330.00} Disputed Amount : {$330.00} Claim Date : XX/XX/XXXX I have been thru it with Sofi bank I was sold a XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX TX XXXX phone XXXX XXXX purchased the car look like it had some shock issues and the guy that sold me the car assured me it would be fixed as I waited so to make long story short on XX/XX/XXXX not even a full 30 days I was driving in the freeway at XXXX mph  the shocks fell and the car fell to the freeway floor I was almost hit by a huge truck I then contact XXXXXXXX XXXX  and had the vehicle towed to XXXX per XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas the shocks are not good they were patched up and to sale the vehicle I contacted the owner towed the car back in to his lot and told him I wasnt interested in the vehicle and I had contacted my bank for a refund now I have turn in everything Sofi bank requested from me receipt of purchase and all information I have Ive returned the car to owner but still havent had any luck with the dispute Sofi back office is no help as Ive been told its no way to speak with them also I have tried to call them multiple times for information on my disputes and after looking up my disputes I immediately receive rejection from the bank like they have been paid to work for the sale man or something they beginning to stutter over words tell me that that cant see anything in the system laugh disrespectful in my ear per sale man the money was taking by Sofi bank from his account on XX/XX/XXXX I have yet for it to post to my account I under stand the whole 190 day ordeal but if the money has already been recouped from the sales man why havent I received it and its been two weeks an just receiving disrespect from bank by phone very frustrating please feel free to contact me anytime I want to file a complaint on this bank immediately XXXX XXXX XXXX Phone XXXX As of today XX/XX/XXXX no note no actions have been taking no new notes have been added my large dispute has been sitting on someone desk just collecting dust per Sofi bank
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (SC)

I took this interest loan at a time if need. The loan was scheduled for semi monthly payment until paid. On XXXX XXXX 2023 my account was erroneously drafted. This will not only cause overdraft fees that they say will be taken care of but also cost me a day of work that I will not be compensated for. Due to an online system calculation error the fee schedule listed an erroneous draft date out of sync with the pay schedule based on the last pay date entered into their system. My cell phone will be disconnected because the funds are not in my account for me to pay it. This is causing me hardships they will not cover.
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC (MT)

This is a scam. I tried to report it and it sent me here. I have no such credit card, and have never even heard of the bank they claim to represent. They have now sent me this message at least a dozen times. Here is the text : This message is from Spring Oaks Capital , LLC. 

We are willing to accept {$390.00} to resolve your Indigo XXXX account originated by XXXX XXXX, which is now owned by Spring Oaks Capital SPV , LLC, for less than the full balance. 

We want to see you succeed, so we request that you review and take advantage of this offer by XXXX We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 

To view this offer, go to XXXX. If you have any questions, reply to this text or contact one of our representatives at XXXX. We have agents ready to respond during normal business hours. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.
Consumer complaint received 2024-04-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC. (LA)

I am XXXX XXXX Military stationed in Louisiana. My leadership recently provided information regarding the XXXX  XXXX XXXX XXXX XXXX. On XXXX XX/XX/2024 I sent the information as well as a copy of my Military orders and proof of service letter into Sofi and was denied. though the Louisiana statute says I am eligible. multiple large banks honor this and so far, Sofi has denied me twice.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica (FL)

On XX/XX/2024 I transferred {$1000.00} to mt fiancee 's XXXX  XXXX account from my XXXX XXXX Social Security Benefit debit card. 
when my fiancee 's XXXX XXXX statement arrived XXXX weeks later, the {$1000.00} transfer was not accepted by XXXX XXXX. the money never arrived in my account and no record of the transfer or deposit is on my XXXX XXXX statement. 
I called XXXX XXXX several times and was told they could do nothing to help me. 
I contacted Comerica Bank, which manages the XXXX XXXX debit card for the Social Security Administration with no help from them either. 
I also contacted Social Security and was told they could do nothing. 
I would like to have my money returned.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXXXXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX 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
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I am disputing the collection account with XXXX, linked to the original creditor XXXX XXXX ( I NEVER HAD A CAR FROM THEM ), account number XXXX, opened on XX/XX/2023, with a balance of {$5100.00}. It's deeply concerning that this agency has allegedly exposed my account information alongside personal details by selling it to other collections agencies. Additionally, I want to emphasize that this account is unverified and does not belong to me. Despite my efforts to resolve this issue by reaching out to XXXX XXXX, I have not received any resolution. I demand an immediate investigation into this matter and urge XXXX to cease any further dissemination of my personal information. I expect a prompt response and the removal of this erroneous information from my records.
Consumer complaint received 2024-04-20
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: FIRST PORTFOLIO SERVICING INC (CA)

I have been asking this company for several years to confirm that this credit card belongs to me, which they have not done. I do not recognize this account and never opened it. I noticed this account on my credit report in XXXX  and reported it to total visa. I am a victim of identity theft and have filed a report with the Federal Trade Commission, which I sent to the credit reporting agency. However, this account is still on my credit report, and it needs to be removed because it is not a valid account that I authorized. Total Visa has ignored dispute after dispute, attached to this complaint is all the info they have requested in order to remove account. Please see attached
Consumer complaint received 2023-07-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Money Stash, L.L.C. (UT)

Requesting money stash to cease and desist and only send correspondence by mail. Cease and desist all request including ACH withdrawals from my checking account. Cease and desist all email communication as well. Failure to provide clear and understandable terms which were hidden on the full term of interest was not properly disclosed to me. Therefore, I am filing this complaint with the CFPB to have a written record of this cease and desist request.