davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (OH)

To whom it may concern, I am writing to express my extreme disappointment and frustration with Sofi regarding the denial of my chargeback disputes related to unauthorized transactions on my account. 

My card was stolen and used without my authorization to make purchases totaling over {$3800.00} at stores such as XXXX  XXXX, XXXX, and XXXX. These charges were made multiple times at the same locations for large dollar amounts that are not typical of my spending habits. 

Despite my immediate action to report the stolen card and the unauthorized charges to Sofi, my chargeback disputes were denied. This is unacceptable, as I did not authorize these charges, and my bank did not alert me of these transactions or take action to stop them, even though they were clearly suspicious. 

I urge Sofi to reconsider their decision and refund the unauthorized charges to my account immediately. I also request a thorough investigation into why these charges were not flagged as fraudulent and why my chargeback disputes were denied. 

I expect a prompt response and resolution to this matter. Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (AZ)

XX/XX/2013 My Mother-In-Law went to the doctor. She was XXXX yrs old at the time. She gave them her insurance. They were suppose to cover the whole bill. When we received the bill my wife spoke to them and said they needed to submit it to the insurance company as My mother in law was 100 % covered for this. I have Never spoken to this collection company. My Mother in law passed away 3.5 yrs ago. This collection company is attempting to damage my credit by putting it on as a recent non medical collection. They are misrepresenting the debt and who it belongs to. This needs to be removed from my credit report.
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

I was sued by LVNV for a debt that I do not owe. On XX/XX/2021, the case was dismissed. However, LVNV is still reporting negatively on my credit reports.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To whom it may concern, Since XX/XX/2021 my husband and I have been trying to track a Bank of America Visa credit refund in the amount of XXXX. A credit refund was processed from XXXX XXXX XXXX  XXXX for a reservation that was cancelled. XXXX XXXX XXXX  XXXX purchase was made using XXXX as a financial go between. The refund was processed by XXXX XXXX XXXX XXXX and sent to XXXX XXXX who then sent it to Bank of America it is at this point where the refund seems to have been lost. We have asked XXXX to trace the refund more than a few times and each time XXXX has responded that the refund of XXXX was successful. XXXX also gave us a trace I.D . number XXXX. XXXX explained in the letters we received the following. ( Copies of letters will be enclosed. ) If you are unable to find your credit by reviewing your card or bank statements, please provide the following reference number to your card issuer : XXXX. 

This number should enable your bank or card issuer to locate the money. 

We have made dozens of calls and spent countless hours with Bank of America and have explained the situation with this refund and given them the trace number from XXXX. No representative of Bank of America that we have talked to knows what to do with this trace number provided by XXXX. We are usually told by the BofA representative that we need to go back to XXXX XXXX and ask them to trace or recall the refund. We of course have also called XXXX multiple times and spent hours running into the same response from them telling us they have sent the refund and we need to go back to BofA to help us with this situation. 

If you read the letters we have attached you will find a more detailed explanation of the transaction and refund. What BofA is saying is that when we made a claim with them it was 4 days late and they could not dispute the charge with the merchant. We are not disputing the charge with the merchant we are trying to understand where our refund has went to, and BofA is basically saying they cant do anything. So the refund of XXXX is in some sort of limbo between XXXX XXXX and BofA but since we have the reference number from XXXX XXXX we feel this is an issue that BofA needs to solve. We would be glad to discuss this issue with anyone on your team to answer any questions. 



Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Email : XXXX Phone : XXXX
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information that is being reported on my credit report. I am specifically referring to the following accounts : 1. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX Charge Off Account XXXX. XXXXXXXX XXXX XXXX Collection Account XXXX. U.S. Bankruptcy Court XXXX XXXX. U.S. Bankruptcy Court XXXX 10. US DIST CT XXXX XXXX. US DIST CT XXXX  I believe that the information being reported on my credit report is inaccurate and is damaging my credit score. I have reviewed my records and have found that there are discrepancies in the information being reported by the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I am therefore requesting that you investigate the information being reported by the credit bureaus and correct any errors that you find. 

I would also like to remind you that under the FCRA, you have 30 days to investigate and respond to my dispute. If you do not respond within 30 days, I will assume that you have accepted my dispute and have made the necessary corrections. 

I am very concerned about the impact that this negative information is having on my credit score. It has made it difficult for me to obtain credit and has caused me a great deal of stress and anxiety. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-29
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. (NJ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-12-29
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: 3rd Generation, Inc. (CA)

I XXXX XXXX has had a car loan with California Auto Finance since XXXX of XXXX. I have been late on my payment once. As of XX/XX/XXXX, all three credit bureaus have my status as CLOSED. This account is not closed, I am currently up to date with my car payments. I have disputed this at least 10 times and my status has not changed. XXXX says in their records it shows auto loan open. The credit bureaus said that in their records it shows closed. Someone is not on the correct page and this is affecting my credit. I am trying to buy a house and I cant because this status has not changed. I have reached out to all credit companies and my car loan bank and no one is helping.
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (MA)

I don't believe I should be responsible for the Navient held private loans taken out for this school who has been proven to use deception in their recruiting tactics, and provided an education that was so subpar that the school is worthless on paper as an educational reference. I am a XXXX XXXX in the XXXX XXXX XXXX lawsuit and am in the process of having those loans discharged. I believe all remaining amounts for the Navient Loans should be discharged and all payments made in relation to the XXXX XXXX XXXX XXXX XXXX should be refunded. I filed for Bankruptcy in 2014 and was unable at that time to have these loans cleared and have been making payments on the loans just so that my credit isn't completely trashed.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-12-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (CA)

I was referred to NACA by a friend who used them 20 years ago. They advertise on their website that there is no down payment or closing costs as their program helps low income families of color. We signed up and were charged a {$25.00} fee that is charged annually and was told that we would be charged over {$15.00} each for them to pull our credit reports. We jumped through hoops uploading all out documents on their website, set up an appointment with a counselor who did not have access to our documents, ran our credit without reading the XXXX statement and did no answer any of our questions, but told her we would need to save for down payment and closing costs. We are feeling duped and feel this company if just taking our money. To add insult to inquiry, they want us each to support their business by representing them 10 times a year each, which is 20 times a year between me and my partner. I called NACA to complain and was transferred to a 'supervisor '. I got a voicemail where no on has ever called me back. I was told I could take my business elsewhere if I didn't like their practices. This company needs to be investigated because of false advertising amongst other lending practices that seems a bit sketchy. I requested to be assigned to a new counselor since me and my partner both felt we were being discriminated against because of our sexual orientation and we were told no. He never told us what we qualified for after running our credit. We're still wondering why our credit was run to begin with.
Consumer complaint received 2022-11-12
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  XXXX, shown as XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-30
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. (FL)

My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair credit reporting act XXXX XXXX account # 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 2021-12-30
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: AMERICAN EXPRESS COMPANY (PA)

American Express without my authorization ran my credit score on XX/XX/2021. 

XXXX XXXXXXXX without my permission ran my credit report on XX/XX/2021.
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (IL)

I am writing to complain to SELFINC XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2021-12-30
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)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 44 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report promptly. Therefore I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was impacted by the data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2015-09-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

I was excited to get my car however I used my used car XXXX which was worth {$8000.00} as trade the people at the dealer called ally bank and ally bank XXXX additional monies that the car which I have should be paid off as of XXXX instead of XX/XX/XXXX this is unfair and I never received a receipt from themeach time a payment was taken from my account.
Consumer complaint received 2021-12-29
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. (NJ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have 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 2024-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I have been paying off my student loans for 15 years and I haven't even paid off half of the debt. Now, Navient is asking me to pay $ XXXX when I told them I couldn't afford that amount they said because of my good credit score and the good standing of my account they couldn't do anything. I tried to explain I don't make enough money monthly to cover this expense. 

My federal student loans were forgiven recently because of predatory behavior from my school ( XXXX XXXX ) with the class settlement Borrower DefensXXXX of the XXXX XXXX XXXX. 

I believe Navient is also acting in a predatory way, I've already paid so much interest and I've barely touched my principle. They told me to take a forbearance years ago I didn't understand how that would effect my overall loan.
Consumer complaint received 2021-12-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

We recently had a XXXX XXXXXXXX Bankruptcy discharged in XXXX of 2021. Specialized Loan Servicing ( SLS ) is our mortgage lender since they bought our loan from XXXX XXXX over six years ago. We have always paid the mortgage on time. SLS claims our XXXX and XXXX payments for 2021 were late but that was not the case. SLS posted the payments incorrectly and we did not become aware of the problem until we received a XXXX Statement showing that we owed more and claiming that we owed a past due amount. We tried contacting them through phone calls and letters but SLS is still making the same claim. We provided bank statements showing that all payments had been made on time for the past two years but SLS is still refusing to update their records and remove the late reports from the credit bureaus. We have tried complaints to the XXXX, SLS still claims we were late two months. We have tried the credit bureaus and received the same results and no changes to our credit report. 

We have been denied a cash out/refinance because of this. Even though the lender can see the error made by SLS via our documentation we forwarded, the lender states that they have to adhere to the government guidelines and denied us the loan because of the two late payments but they did empathize with our situation. We now have to wait four more months until a solid year of no missed payments shows on our credit. We are being penalized for SLS error with our mortgage.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following accounts and paid, never late. 

15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) - Reporting During Covid-19 ( Instructions Please Update to Never Late ) DISCOVER BANK Account Number XXXX XXXX Dates that need to be updated to current XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ADIR INTERNATIONAL LLC (NV)

On XX/XX/21 my car was broken into and thieves stole all of my identification, my passport card, social security card, debit and credit cards. I have placed fraud alerts and frozen all three if my credit files with the bureaus. I also signed up for life lock. It has been a nightmare. every day I received several alerts of people trying to open credit in my name. One was actually successful. Someone opened an account with a company called CURACAO and was able to receive {$2000.00} of credit in my name. I contacted the company but didn't get anywhere. I disputed it with XXXX XXXX and they are working on it. The account in question was opened on XX/XX/21. I froze my credit files in XXXX. Still not sure how they were able to open an account in my name after I took all of these precautions.