davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (LA)

First off let me say I started my side job of tutoring math for middle and high school students and received a check from my student 's dad and deposited it into my XXXX account to find that this company done froze my account and I can't access my funds that I literally worked extra hard for. I think this is very much nonsense because I now sit with a medical emergency that I can't go see about because I don't have the co_pay that's required of me upon arrival. What I don't get is XXXX cashed the same check for me with this employer already and now they decide to give me problems. So unfair. I worked hard for my money and this is no right
Consumer complaint received 2022-12-27
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. (GA)

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 XXXX XXXX XXXX. 

Accounts name XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX # XXXX, account name XXXX XXXX XXXX XXXX XXXX XXXX, account name XXXX XXXX XXXX XXXX # XXXX, account name XXXX XXXX XXXX # XXXX account name XXXX XXXX XXXX # XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX, account name XXXX XXXX XXXX XXXX XXXX, account name XXXX XXXX XXXX, L # XXXX, account name XXXX XXXX XXXX XXXX XXXX account name 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 : states 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 report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2022-12-26
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. (NC)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC. (IN)

HelloI have several hard inquiries showing on my credit report that were both authorized by me. I am seeing a total of XXXX on my XXXX XXXX and XXXX on my XXXX..at this time Im not sure how many XXXX is showing but Im sure there are someI would like these to be removed as quickly as possibly as I have other plans use my credit in the immediate futurethank you very much.
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX RE : Citibank XXXX XXXX 
ACCOUNT # XXXX Amount : {$9500.00} The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (UT)

Today ( XXXX ) I was denied opening a checking account at XXXX Bank XXXX XXXX XXXX, the account XXXX told me to contact Equifax about the problem. 
I did it the right way, I wasn't able to receive proper information from Equifax about the problem, and why I was denied opening an account with XXXXXXXX XXXX because of their report. 
The Online report does not show any remarks or information about it. and the agent was not able to clarify the reason.
Consumer complaint received 2020-01-06
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-01-12
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

This past week XXXX week of XX/XX/2024, I have been getting calls from Comenity Bank stating that I am overdue on my payments from my credit card, then proceeded to ask which credit card because I do not recognize opening up a Credit card, the person I spoke to says it was in regards to an express credit card. Ive been stated that I never authorized or have opened up express credit card. I also went on my XXXX XXXX app and saw that there was a credit card opened up, fraudulently under my name. When I got a piece in the mail concerning this credit card, I noticed that whoever opened up this credit card used my identity. I have XXXX government last names, and this credit card only has my XXXX last name XXXX. I do not know who opened up this card because I did not open up this card myself I do not even shop at this specific store. I have been contacting the fraudulent department under XXXX XXXX. Regarding this issue, but they stated that I needed to have a document to prove that this was an act of fraud.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

Due to egregiously reckless misconduct, Wells Fargo simply lost XXXX I properly sent to XXXX XXXX. He did not receive the funds- so where did it go - and how can Wells Fargo simply just lose XXXX dollars of peoples money?
Consumer complaint received 2022-12-26
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. (AL)

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 bank ss 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 2022-12-26
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: CCS Financial Services, Inc. (FL)

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( XXXX ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I was left a pile of papers at my door saying I was being sued by Portfolio Recovery for {$730.00} on debt that was not mine. I signed nothing on behalf and was not aware of this company. I have to show up to court on XX/XX/ to fight this.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (WA)

My father passed away on XX/XX/2022. I informed Citi of his passing by telephone on XX/XX/2022. Citi alleged they would contact me for further steps, but never did. I contacted Citi again and they requested a fax including a death certificate, living trust documents, and a letter of intent. I faxed all of the above to Citi on XX/XX/2022 and confirmed receipt on my end. I called the next day and confirmed they had received it. The letter of intent included instructions to close all accounts, including a checking account and a savings account. 

Citi sent me a letter on XX/XX/2022 alleging that they had " frozen '' my father 's checking account. On XX/XX/2022 Citi processed a withdrawal to a third party from the checking account despite their allegation that the account was closed. This amount was {$240.00}. 

On XX/XX/2022 Citi charged a {$4.00} service fee to my father 's savings account. 

It as now been a month since my father has died. Citi has not contacted me once to indicate they have taken any action. I have only received a form letter with a false statement that my father 's checking account was frozen. Citi is continuing to charge fees and process transactions for both his checking account and his savings account in violation of 4 CFR 4.405.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (DC)

I received the prepaid gift card as a gift in XX/XX/2022. It was sealed in its original packaging and I did not attempt to use it until XX/XX/2022, when I tried to purchase a pair of shoes online from XXXX. The card was declined so I checked the www.mybalancenow.com website and learned that the balance on the card was {$0.00} and that the full {$200.00} value had been charged to an XXXX purchase in XX/XX/2022. The XXXX purchase in XX/XX/2022 was not authorized, was not made my me, and I never gave anyone the card or card number. I did not know the number myself until I opened the package it came in for the first time on XX/XX/XXXX. I called your customer service line and began this claim immediately after learning about the fraudulent, unauthorized transaction for the first time on XX/XX/2022. 

Everything about the reporting and resolution process seems like a fraud and designed not to address the problem/loss. They are slow, do not respond for days or weeks, and the timeline for every step has been delay after delay. I thought I had initiated a claim over the phone but then learned I must submit a form. It took almost two weeks to get the form. I submitted the form on XX/XX/2022, and have asked for periodic updates and they rarely respond. I finally got an email saying a replacement card had been sent and would arrive by XX/XX/2022, but it has never arrived. I tried to follow up on the status and they have not responded. I need help getting this finally resolved after four months of trying.
Consumer complaint received 2020-01-06
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. (SC)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALCHRO INC. (FL)

This company reported to the credit agency that I did not pay the debt. I explained multiple times I was not the responsible party that was financially responsible, even in their validation of debt that the company sent to me. It showed the XXXX XXXX was 100 % responsible and if they took the time to file the claim properly they would have been paid without trying to collecting the debt from me and trying to destroy my credit by reporting to the reporting agency that I did not pay the medical bill. 
Recap : The CFPB should protect the consumers from allowing a debt collector to destroy someones credit when the debt was paid in full by the insurance company which is what I have been telling everyone from day one! 

Please see attached showing the claim was PAID to the medical doctor in full. All this could have been avoided if they just properly requested payment to the insurance company. THIS COMPANIES LICENSE SHOULD BE REVOKED! 

The debt was paid by XXXX  XXXX Claim number XXXX Account XXXX
Consumer complaint received 2019-02-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

TIAA-XXXX  has not responded to multiple requests for their trustee-to-trustee transfer form while charging excessive administrative fees. Please provide the appropriate paperwork and clear with my former employer that the account can be transferred and closed. XXXX attempted to request the assets be sent to them but advised that TIAAs form must be completed to accomplish the transfer.
Consumer complaint received 2018-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CT)

ARE YOU KIDDING ME???? 

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Mortgage Issue : Struggling to pay mortgage Did I not explain clearly enough???? RUSHMORE IS CLAIMING THEY WANT $ XXXX OR SOME SUCH AMOUNT FOR THEIR INVESTOR BUT THE AMOUNT IS WAY MORE THAN THE APPRAISED VALUE OF THE HOUSE. THEY WILL NEVER EVER EVER EVER EVER EVER EVER GET THAT VALUE AS THE HOME IS DAMAGED. IS THIS CLEAR NOW? 

I do not care that Rushmore answered they only strengthened my complaint and you CLOSED the complaint????????????????? Excuse me???? They basically confirmed what I said, that THEY ARE NOT ACTING IN GOOD FAITH TO EXECUTE A VALID SHORT SALE FOR THE APPRAISED VALUE, BUT INSTEAD ARE DEMANDING A VALUE THAT IS NOT SUPPORTED BY FACT, OFFICIAL APPRAISALS AND CONTRACTORS ESTIMATES. 

They are going to foreclose on my house because they are behaving irrationally and rejecting solid, verified purchase offers for the official appraised price, basically covering their ears and saying " no no no no no I can't hear you '' when we say the offer is for the appraised value. There is damage to the house that XXXX was scummy enough to wriggle out of paying even though they admitted to the court that it was not our the owners fault. They are just garbage like Rushmore, acting against the consumer -- AND YOU SUPPORT THIS??? YOUR SOLE GOAL IS TO GET THEM TO JUST ANSWER????????????? WHAT THE XXXX VALUE IS THAT??????????? THEY COULD JUST SAY THEY WANT A XXXX FOR THE HOUSE. WHY NOT? WHAT EXACTLY THE XXXX DO YOU DO TO DEAL WITH A LENDER THAT IS NOT WORKING IN GOOD FAITH WITH A CUSTOMER AND IS PRETENDING A HOUSE WILL BRING IN A VALUE THAT IS PROVED IT WONT ( SEE PREVIOUS SHERIFF SALE THAT WAS OVERTURNED )??????? YOUR NAME SAYS CONSUMER PROTECTION. WHAT THE XXXX ARE YOU DOING?
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Saturday XX/XX/2020 I went online to Experian to get my free credit report which I ordered online and hopefully that will be mailed out to me but I also paid {$14.00} to Experian Connect to XXXX  my credit report for 30 days with businesses that may need my credit report.

IN order to " Share '' my credit report with others, Experian Connect required me to put in said business " EMAIL address '' so an " Invitation '' could be sent to that person or business.

I did so. The realtor I am dealing with received the invitation link and was then prompted to put her personal SSN # and information just to receive my credit report. I have not received any information stating they received link etc.. as experian connect said I would. The realtor is not comfortable putting in her information to Experian Connect Monday XX/XX/2020, I phone Experian and reach XXXX in the XXXX where she informs me that Experian Connect is not within her realm and I need to phone ( XXXX ) XXXX. I call that # and the voice prompts do not allow me to address my problem and so the call is disconnected. I then phone XXXX XXXX XXXX XXXX another Experian Connect phone # which is same voice prompt system as above # and it also does not allow me to address my situation and speak to a live person> I would like my {$14.00} returned to me and my credit report mailed out as the company Experian is a total fraudulent irreputable company just taking money and not even supplying manpower for people to be heard.
Consumer complaint received 2022-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by XXXX & XXXX XXXX to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-26
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: EQUIFAX, INC. (NC)

This is my 12th 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 alleged fraud or extortion. 
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