davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 2018-01-20
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. (AR)

I have previously written one of the collections departments and furnished a letter advising XXXX XXXX I am the victim of fraud on or around the date of XX/XX/XXXX. The dates of the even are not 100 percent seeing I was not there and had no knowledge of it for almost a year.The dealership did give me a copy of the loan application. On that documentation it is obvious that the same person signed all signature lines. The name is misspelled the same way on every line and is the same handwriting for all the signature lines.It is obvious that I did not sign this loan. I have sent a letter to XXXX XXXX with copy of my signature and a loan I obtained from the same dealership 3 months prior. Which is how they could have had access to some of my information or my ex husband furnished it seeing we were in the process of separating when this occurred. I have advised XXXX XXXX of this also. The fax transmission date to the finance company is XX/XX/XXXX. It was in XX/XX/XXXX that i pulled my credit and found a loan with XXXX XXXX XXXX. I called the company advised that I had no knowledge of this loan and was fraud. I advised that I would like documentation and information that they have or original loan package. Even with this being identity theft I am still privileged to that information. I have had no assistance from this company in obtaining any loan documents or any information they have used to make a decision to not remove the file from my credit or fund the loan. Since I have no documentation on this loan it is making it harder to fight and obtain counsel to assist with damages if it is not removed off of my credit after this final attempt.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (FL)

My debit card was stolen while I was in the hospital and unauthorized charges were made. Direct Express by their own rules are to provide provisional funds to my account while an ongoing investigation. I called Monday and was told I was denied, there is no way Direct Express conducted a thorough investigation in only a few day 's. It's very clear, my card was stolen as indicated in the documents I submitted. This is one of the greatest problems with Direct Express, there is no accountability
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries ( 1 ). ( A ). 

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
Consumer complaint received 2023-01-17
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them or update them right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete the following items immediately 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
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

My wife cancelled her Experian credit monitoring services on XX/XX/2020, and received the cancellation email from Experian as confirmation. However since then, our credit card has been inappropriately charged {$12.00} per month. 

Ive already called the number provided within Experians cancellation email ( on at least 5 separate occasions over 7 months ) to inform Experian of the inappropriate charges to our credit card. Experian has refunded some ( not all ) of the charges over the past 7 months, but they still keep charging our credit card {$12.00} per month - even after they keep telling me everything has been cancelled and assure me that they cancelled it correctly this time.
Consumer complaint received 2023-05-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (FL)

I inquired about a personal loan through moneylion. And that's all it was was an inquiry I never received any money from them and now it shows that all my credit report that I received {$1000.00} from them and now it says I still owe them {$220.00}. This company never gave me {$1000.00} or loan me {$1000.00} I never got {$1000.00} from this company in any way shape or form
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 BankruptcyXXXX XXXXXXXX BankruptcyXXXX XXXXXXXX BankruptcyXXXX XXXX
Consumer complaint received 2021-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NY)

I have received repeated phone calls from Credit Corp Solutions from various phone numbers, including : XXXX XXXX XXXX All claim to be contacting me about debt I owe. I owe NO debts or outstanding bills and never have -- my credit reports all confirm this. I have repeatedly told these callers this is the case and to immediately stop contacting me. They have not.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (IL)

My BananaRepublic ( GapInc ) card has a rewards program they constantly promote for me to use by charging on this card to get cash rewards. Now I have {$90.00} in cash rewards and this card has placed a stop on using my card. I have an excellent credit history with this card and an excellent credit score. When i have tried to use my card since I got these rewards they have declined my card. When I called to ask why they said they thought some fraudulent charges were being made. I verified all charges were my own. Ive made two payments on time since but still can not use my card!! And subsequently can not use the rewards issued. When I call the 800 number I get put on hold and a run around. I even had trouble paying my bill by phone!! They refused to let me pay my card by phone until I was transferred 4 times and answered a bunch of security questions!! Once convinced it was me they accepted my payment!! I have anXXXX credit score!! But I can not get them to open my account so I can use these earned cash rewRds and they will expire soon. I know GapInc is in serious financial trouble but this is ridiculous!! Can you help me get them to allow me to use these points that they enticed me to charge and earn??! Rude rude people there. If they go out of business I obviously dont get to use my rewards!! Please help!
Consumer complaint received 2023-01-24
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: SECURITY FINANCE CORP (AL)

On XX/XX/23, Security Finance, in XXXX, Al, performed an unauthorized hard inquiry pull on my credit. When contacted and questioned about this issue, they advised they pulled my credit because my payment was late and they had an outdated phone number for me. I told them that wasnt a reason to pull my credit, as they had my email and failed to try to reach me there.. they then gave me the number to their customer relations department for further assistance. I called that department and they advised they could pull my credit if my payment was 30+ days late, which I confirmed it was only 19 days late when they pulled my credit, and I had already scheduled the payment to be paid online. The agent with the customer relations department escalated the unauthorized pull to a supervisor and I havent received an update.
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

Last year I purchased a XXXX holder from a company in XXXX who bills through XXXX. 

They shipped XXXX that didn't fit my phone. They have a no questions return policy on their web site. I tried contacting them XXXX times and they did not respond. 
I filed a dispute with the credit card company Citi and they reversed it out. {$29.00}. 

About a month later the merchant replied to the credit card company that they would ship sometime in the future. 

The Credit card company said that unless I replied by snail mail and attested that I had not received the merchandise ( note the merchant already acknowledged that ) that they would close the dispute. 

They closed the dispute and 30 days later I still have not gotten the merchandise. 

It seems to me that for something this simple XXXX XXXX has worked very hard to make disputing a charge VERY time consuming and difficult. 

I tried to use their web site but was blocked at every turn. Their " live chat '' is a bot. When I described my problem it gave me a link to my statement page.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

After filing a dispute against the company, the dispute results came back aas verified and accurate. " ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *PAST DUE *HISTORICAL ACCOUNT INFORMATION. '' In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2020-03-11
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: Experian Information Solutions Inc. (FL)

Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2020-03-11
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)

Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2021-03-12
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. (MA)

I disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with XXXX XXXX. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.
Consumer complaint received 2020-03-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc. (TX)

I applied to refinance my XXXX  federal loans with Sofi in the second week of XXXX in order to consolidate and get a better interest rate. I am not 100 % sure on which date but it would have been around XX/XX/XXXX. I was approved and they sent me paperwork to electronically sign on my new loan. I noticed that the amount was wrong so I contacted them to fix the problem. First I called them to clarify. I got sent the paperwork and it was still wrong. Then I contacted them via their online chat service. They asked me to provide them with my most recent student loan statements from XXXX. I did. They said they would fix it. I was very explicit that I was refinancing all XXXX  loans except for loan number XXXX. All other loans were to be refinanced including loans XXXX and XXXX. They sent me the paperwork to sign and it was wrong a third time. I then called them via telephone again and was asked to again submit my most recent XXXX statements. I sent them a second time. They sent me the paperwork again and the amount was correct so I signed it. 

On XX/XX/XXXX they sent the funds to XXXX to refinance my student loans. However they made a huge mistake and sent all of the money to one of XXXXXXXX XXXX  departments and no money to the other department that contains loans XXXX and XXXX. Apparently XXXX has two separate departments. I contacted Sofi about the mistake on XX/XX/XXXX and was told to call XXXX and have them move the funds over to the two loans in the other department ( XXXX and XXXX ). When I called XXXX I was told that they could not move funds over to the other two loans because that is a separate department and they are unable to do that on their end. They told me that the money would have to be refunded then sent to the other department by myself or Sofi. I contacted Sofi and was told to have them refund the money to me so that I can pay the other two loans off. After A LOT of back and forth with XXXX  I have only been able to get about {$1800.00} refunded back to me, which I have already used to pay down one of the loans that was supposed to be refinanced. There is another {$4300.00} that XXXX has not refunded to me or Sofi that is supposed to go to payoff the rest of the balances on loans XXXX and XXXX. 

During this time I am being charged interest on these loans by both companies. Sofi issued my monthly payment for me last month and say that they can do this month as well but that is it. I expect them to refund the interest I am being charged on money that I didn't receive, especially after making the huge mistake they made. I have been in contact with one of Sofi 's representatives via email that is supposed to help solve this issue, yet she keeps asking me to make all the calls to XXXX and do all of the work to fix Sofi 's mistake. I have and can provide all of those emails if I need to.
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00}