davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (WA)

TO WHOM IT MAY CONCERN, I have never given you any verbal or written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. A copy of the law is attached with this dispute and complaint.

15 USC 1681b PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NOT given you permission to access my credit profile and you have no permissible purpose BY LAW to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You do not have any permissible purpose to furnish my personal information to any third party.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

SEQUIUM ASSET SOLUTIONS, is trying to collect a debt that I do not owe. They can not provide me with a debt verification letter, a signed document bearing my signature. The statute of limitations have expired. I have retained an attorney to contact this company.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I was customer of citizen one cash back credit card since 2001. I have never missed or late with payment. Due to the postal depay last payment was late with XXXX days. the company without contacting me reduced my credit limit drastically and reported me to credit agency and my my credit score went from XXXX to XXXX. Their tel number is XXXX XXXX
Consumer complaint received 2024-02-22
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MA)

Bought a Vanilla Gift Card {$500.00} at the beginning of XX/XX/XXXX. It was a gift to my daughter for xmas XX/XX/XXXX. XXXX XXXX, my daughter opens her card packaging and attempts to register/use the card for an online purchase. The balance of the card read {$0.00}. The card was drained 2 weeks earlier at a food store on the other side of the continent. 

Filed a police report. Filed a complaint with VanillaGift. We've had a case number # XXXX for months. The resolution date was XXXX XXXX after XX/XX/XXXX we started calling their XXXX call center.. week after week they kept telling us 2 days the card will be reactivated.. 4 days the card will be reactivated.. 3 days the card will be reactivated. Meanwhile time is ticking away. They're buying time. 

Today XX/XX/XXXX, I check the case on the website it now says Resolution date XX/XX/XXXX ... another 4 months! 

I am 'now " aware of the widespread scam of draining these particular 'vanilla gift ' cards due to their lax security features. And I am aware 'Vanilla Gift ' has fought lawsuits to refuse to fix their issues. And I am aware 'Vanilla Gift ' is reknown for not reimbursing customers who have been victimized by their poor security measures. 

{$500.00}! That is alot of money to me and my daughter.. XXXX ruined.. and runaround from this horrendous company selling known defective products and refusing to fix or reimburse their own failures... sickening.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (CA)

I am lodging a formal complaint against Social Finance , Inc. ( SoFi ) due to their failure to honor a {$300.00} direct deposit welcome promo that I rightfully qualified for in XX/XX/XXXX. According to SoFi 's terms, this promotional bonus was supposed to be credited to my account within 25 days after the direct deposit verification. 

Since I met the qualifying condition with over {$5000.00} deposited in XX/XX/XXXX, I have been in consistent contact with SoFi, following up on a weekly to bi-weekly basis. Despite the numerous inquiries and the considerable time invested in communication with SoFi 's customer service, my efforts have not resulted in the promised bonus being credited to my account. 

The interactions have involved various representatives of SoFi, each confirming my eligibility but failing to resolve the matter. The inconvenience and financial and moreso the time impact due to this ongoing issue are unacceptable and significant. 

As of XX/XX/XXXX, several months have elapsed, and the situation remains unresolved despite SoFi 's repeated assurances. This situation has diminished my trust in SoFi 's promotional campaigns and their customer service 's ability to effectively resolve customer issues, resulting in me transferring my direct deposit for XX/XX/XXXX to a trusted bank instead of Sofi.

I kindly request that the CFPB intervene and conduct an investigation into this matter to ensure that SoFi fulfills their promotional obligations and prevents similar situations from occurring to other customers. 

I have many screenshots of my communication with SoFi, evidencing my continued effort to address this problem and their acknowledgment of the issue. 

Thank you for your attention and assistance with this matter. I am ready to provide any additional information needed to facilitate your investigation.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Companies XXXX 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 XXXXXXXX In accordance of the Federal Credit Reporting Act this creditor 's has violated my rights. 
Under 15 USC 1681 SECTION 602 state 's I have a right to privacy. and under 15 USC 1681 section 604a section 2 state 's that a consumer reporting agency can not furnish an account without my written instruction 's.

Under 15 USC 1666b state 's. A creditor may not treat a payment on a credit card under and open a consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN FINANCING CORPORATION (CO)

I called American Finance to do a refinance on my current loan. Everything is great until they flat out lie to you. I am not an expert so I trusted them. I was promised by XXXX XXXX XXXX XXXX XXXX | XXXX  XXXX in writing that I would skip two payments after refinancing. They didn't mention that if THEY process the paperwork after the XXXX of the month that it would only be XXXX month skipped payment. I sent all the paperwork as asked and was positive I would skip two payments This is the exact email : They'll fund the payoff to your current lenders accounts ( CHFA ) one business day after closing - and should be zeroed out. Keep an eye out for the escrow refund check in the mail about XXXX after. Those envelopes are not always labeled from the bank, but will be the amount of your current escrow held. 

You'll skip XXXX and XXXX payment - new loan will start in XXXX. If you did make XXXX payment will be refunded with the escrow.. 


I will be at my desk if any questions during the process. Welcome to call me if you need during -- and of course for any follow up questions on funding and new servicer. 

Thank you, XXXX XXXX this email I was also contacted on " a RECORDED LINE '' where this was specified that I would skip XXXX and XXXX Payments. Since I had made my XXXX payment I was expecting it to be refunded in escrow AS PER THEIR OWN WORDS!!!! 

After calling previous lender I was informed that I would not get that money back because American finance had filed after the XXXX. 

When I called to complain everything seemed cordial, they said you are right, we did say that let us try to make this right. After calling back a few days later they said it was passed on to management to see if the " could take a loss since they had said that to me ''. I was told I would be contacted in a few days. 10 days later I called them back and told me their was no malice and there is nothing they can do to get me my money. They where not even going to have the common courtesy of following up as promised if I had not called back. 

These people directly lied went back on their word and then would not even follow up If i had not reached out AGAIN. I feel completely swindled by these people. I Trusted them because I had my original loan through them guess that was my mistake. I would not recommend them to anybody, nothing they say can be believed even though its said on " a recorded line ''. 

TotaXXXX XXXX and not even the decency to give a client a call back Shameful
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX  - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

I had begun conversations with XXXX XXXX in XXXX, MN and began to fill in a pre-application for them. I marked NO on their application for approval to run my credit score. 

There was a hard credit pull executed by XXXX XXXX XXXX on XX/XX/2021. This hard credit check was not authorized. 
Upon contacting XXXX XXXX XXXX team, they provided two separate screenshots that did not show permission for running my credit : On Page XXXX of the application, theres no signature. 
On their provided screenshots, the images do not share what form is being referred to in relationship to XXXX, and include an incomplete online form that doesnt show any connection to my information. 

In addition, the IP Address shown maps to the middle of a lake in Kansas ( and not to my address in XXXX ) Source : XXXXXXXX XXXX XXXXXXXX Both of XXXX XXXX representatives XXXX XXXX XXXX and XXXX XXXX XXXX refused to do the following : Share which form Visual # 1 is referring to Explain what their XXXX  permits their team to do, and Acknowledge what the lack of consent on Page 6 restricts them from doing.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-12-17
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: EQUIFAX, INC. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-07-04
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)

Despite of my previous request, the XXXX credit bureaus still failed to fixed this issue. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit 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, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove 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 and help me delete it all right away : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX : {$900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-19
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. (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 investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00}
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

I tried to pay my mortgage payment for XXXX, and what is past due and could not get through, the a couple weeks later i recieve a bill from another mortgage company, stating my mortgage has been increased by {$300.00} and that i was close to foreclosure. This is the first time i heard from thee people. I tried to call my mortgage company today and this is the first time i heard that my mortgage had been transfered
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (TX)

Dozens of hard inquires posted on credit report. Unauthorized inquiries. I have not been searching for applying for credit recently. All inquires from XXXX to XXXX were unauthorized.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (VA)

Optum Financial ( Health Savings Account ) : I am seeking reimbursement for older health claims paid out of pocket by my health savings account. My health savings account was created in XXXX and Optum Financial took over management of this account around XXXX. Optum Financial is correctly processing new health transactions with my HSA debit card. Optum Financial also quickly completed review of the XXXX health expenses and approved these transactions for reimbursement. 

However, it is struggling to actually pay out these older claims and recently told me it is unable to do so since it took over management of the account in XXXX. Different customer service representatives have provided different reasons for why this account is not reimbursing properly. The company has provided no written reason for this delay. 

In XX/XX/XXXX I requested reimbursement for three claims in XXXX preloaded in the this HSA system. Since XX/XX/XXXX, these claims are listed in the Optum Financial system as " Approved, Processing Reimbursement '' # XXXX for {$7.00} # XXXX for {$670.00} # XXXX for {$190.00} Please review and provide appropriate reimbursement for these claims.
Consumer complaint received 2022-12-26
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. (FL)

XXXX XXXX XXXX has yet shown any competent evidence bearing any signatures that I do in fact have or ever had contractual obligation to PAY THEM! I do not owe XXXX XXXX XXXX any alleged debt and this is a violation of the Fair Credit Collection Practice Act FDCPA 807 [ 15 USC 1962e ] ; all credit reporting agencies delete entry! 

XXXX XXXX XXXX XXXX XXXX  alleged {$86.00} XXXX XXXX XXXX XXXX for alleged {$86.00} ; alleged {$820.00} Equifax- XXXX XXXX XXXX for alleged {$86.00}
Consumer complaint received 2023-07-19
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. (AL)

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent letters to all 3 credit bureaus on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2023-07-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX  XXXXXXXX XXXX XXXX XXXXXXXX details Paid off - Balance - Balance updated - Original balance {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$15000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Joint Terms 73 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.