davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Social Finance, Inc. (CA)

I had initiated a transfer into my Sofi XXXX account from another bank account to cover my rent check. The transfer bounced, I believe because there was a delay from when I transferred it, and then there were no longer sufficient funds in my other account to cover the transfer. 

Regardless of what happened, it triggered a fraud alert in my bank account. It also caused my Sofi account to go negative. I have direct deposit into my Sofi account, so once that direct deposit went through, my account was in the positive, however I was still not able to use my funds. 

I've tried contacting Sofi Fraud Prevention repeatedly to unfreeze my account. The call goes straight to voicemail. Any other number, online chat, or email does not connect me to anyone, but automatically tells me to call Fraud prevention. 

My first call was placed yesterday, XX/XX/XXXX. I called three times yesterday, and three times today, XX/XX/XXXX with no return call. It has been about 27 hours that I have been waiting for a call back. 

I have overdue rent that must be paid immediately or I risk eviction. The money tied up in this account is my rent money.
Consumer complaint received 2021-04-20
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. (MI)

XXXX XXXX XXXX is appearing on my account with an account from XXXX. Please verify this debt, as it has appeared on my credit account 3 different times under different creditors. This account was paid in full to the original credit XXXX  due to return equipment in the winter of 2019. This is an attempt by a company without any access to pay them.
Consumer complaint received 2022-12-14
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. (OR)

I recently reviewed a copy of my credit report in Transunion. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if, after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries. 


XXXX XXXX Inquired on XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-04-19
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Check N Title Loans (TX)

This company has been harassing me while I've been going through a financial difficult time, which I've disclosed to them. I've even asked about a settlement options and they have chose not to work with me. 

They have reached out to me at my place of employment over ( 7 ) seven time. I've told the rep, XXXX on numerous occasions that's theses calls are prohibited at my place of employment verbally and through the form of an email, and it has not stopped. The rep has verbally refused to stop contacting my place of employment. 

They've been contacting multiple family members and friends and disclosed my debt on voicemails. Which is illegal.
Consumer complaint received 2022-04-19
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. (NV)

In accordance with the Fair Credit Reporting Act, 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 a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.
Consumer complaint received 2022-04-19
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. (PA)

XXXX are reporting an alleged debt of {$94.00}. Both agencies have inaccurate information reported. Ill provide a few examples 1. Date opened both have different dates 2. Payment status states its a charge off but it has a balance of {$94.00}.

3. The comment section both agencies provide different remarks.

My issue with it, is first I never gave consent for my personal or medical information to be furnished I have a right to privacy. In addition I never signed a hippa release form for XXXX XXXX. Therefore its inaccurate and also a hippa violation. Hippa laws are to protect my personal and medical information. FCRA is put in place to make sure I have fair and accurate credit reporting I am entitled to that by law. And that didnt happen in this case. 

Please provide me with verification and validation that allowed you to furnish this information. Im sure you must have something that that ties me to the alleged debt. Please provide my with a letter given you consent to furnish this information please provide and documentary evidence regarding this alleged debt. I know you can not withhold any information from me to be in compliance. You have to provide me with everything that Im requesting Heres tracking number for XXXX XXXX Tracking number for XXXX Tracking number for Experian XXXX
Consumer complaint received 2022-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (AL)

MEDICREDIT, INC has reported that I owed their company {$470.00} from a medical bill w/ XXXX XXXXXXXXXXXX XXXX  XXXX The company now shows that I owe {$0.00}. 

Medicredit NEVER communicated any statement or justification for this bill. 
No monies were ever given to Medicredit. 

I am requesting this collection be removed from ALL credit report agencies, as there was never any verification of the bill and my ownership. In addition there was no communication to give me a notice of this bill and the action that would be taken ie reporting bill on credit reports.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2022, I made a payment in the amount of {$400.00} on my CareCredit account owned by Synchrony Bank. According to my XX/XX/2022 credit card statement, the minimum payment amount due by XX/XX/2022, was {$330.00}. At the time this payment was made, my account had a fixed payment promotion which requires a minimum monthly payment of {$300.00}. There was also a deferred interest promotional purchase with an expiration date of XX/XX/2022, which did not have any sort of required payment. In addition to the aforementioned, there were XXXX standard purchases with the following balances : {$2.00}, {$.00}, {$3.00}, and {$87.00}. 

On XX/XX/2022, I sent a message through the online messaging center within my account to have {$95.00} of the {$400.00} payment be applied toward the XXXX standard purchase balances totaling {$93.00}. When I logged into my account to see if the payment had posted, I noticed that it had and that {$29.00} had been applied toward the deferred interest promotional purchase which does not expire until XX/XX/2022, and a standard purchase with a remaining balance of {$27.00}. This did not reflect how I had directed Synchrony Bank to allocate my {$400.00} payment. So, I called CareCredit customer service on XX/XX/2022, and requested to speak with a supervisor. XXXX confirmed she could see how I wanted my payment to be allocated and said the system automatically allocates the payments until someone goes in to manually adjust it. On XX/XX/2022, there was a {$29.00} charge and subsequent {$29.00} credit placed on my account. The {$29.00} that was applied toward the deferred interest promotional purchase balance has been removed. XXXX of the XXXX standard purchases, however, which are all interest-bearing balances, remain and should have been completely paid off with the payment I made on XX/XX/2022.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (NV)

I spoke to a representative from this company and they stated that they would remove this account from my credit reports if I paid the account off. It has been years and this company has not honored their word. I requested this account be taken off all 3 reports as I was promised by a representative of the company that it would be.
Consumer complaint received 2022-04-19
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: Exeter Finance, LLC. (NC)

I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2022-04-19
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: Consumer Portfolio Services, Inc. (NC)

I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

After my lease contract with General Motors I returned the car on time and fulfilled my payment. I was reported about a late payment that I was not aware of nor was I informed. I actually leased another from the same lender ( General Motors ) soon after my first lease was over. I called General motors about this and was told they will fix this unfortunately it is still showing a 120 day delinquent on my credit report.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Upgrade, Inc. (MI)

I got an email bill from Upgrade credit card ( never heard of them ). I disputed it, got a police report and an affidavit as directed and sent all documents to them. I have not been able to hear from them or get ahold of them since. They are still on my credit report, with a larger amount than when I first discovered this and notified them. I have disputed them several times on XXXX, to later be told by XXXX that the issue is found by Upgrade to be my responsibility. I still get email bills from them, and now bills to my home address with the larger amount due, yet no resolution to my fraud claim. They have not answered my emails or phone calls even though I have informed them that the police would like more information to assist in the investigation. Since they have not responded or cooperated in any way, the police have closed the case as unsolved.
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

During the covid pandemic we had our mortgage through Bank of America ... they offered us the Covid protection program where we could defer our mortgage payments during the pandemic and they would simply put the balance of missing payments to the end of our loan... not changing our rate or payments. We entered the program and were told that our first payment of reinstatement would be XX/XX/2021. We called on XXXX XXXX to make that payment and were told we couldn't make it because we didn't submit the proper paperwork... we questioned what paperwork. We were told something was sent in the mail. We did not receive any such paperwork. They told us they would re-send it and should receive in two weeks. We didn't receive it in two weeks and re-called them. The next person told us we could make the payment and once again they would resend the paper work. Which again never came. We called on the first of XXXX, XXXX and XXXX and continued to make our payments... each time being told we were fine ... all the while receiving statements in the mail saying we were getting further and further behind in our payments, but being reassured each time on the phone that we were in the covid program and were fine. We received a foreclosure warning XXXX and called again. They told us to make a second payment in XXXX, which we did by phone. Immediately after we were informed that our Mortgage had been sold to XXXX XXXX. XXXX XXXX has demanded the {$40000.00} which was supposed to be added to the end of the loan from the deferment program. They are refusing to acknowledge the covid protection program that we were in with Bank of America. Bank of America sold our loan without adding those deferred amounts to the end of our loan as promised. We now have to come up with {$40000.00} in funds that we do not have thanks to the pandemic to keep the home we built ourselves and have lived in for 15 years. We feel that Bank of America was fraudulent in their covid protection program for selling our loan before finishing the restructure of our loan. XXXX XXXX insisted that we apply for a loan modification which we make more then enough money to cover our payments and they denied it.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (PA)

On all 3 credit bureaus there is an account listed from XXXX XXXX Icon original balance of {$2600.00} with a past due amount of {$390.00}. This is not my account. I called XXXX XXXX an was told this was for a XXXX XXXX. I never purchased a XXXX XXXX  nor received one. I was told they would dispute this the merchant. However it is still showing on all 3 credit reports. I called XXXX XXXX who then called XXXX XXXX they said they were unable to find the account. I am a victim of identy theft from XXXX
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (PA)

On all 3 credit bureaus there is an account listed from XXXX XXXX XXXX  original balance of {$2600.00} with a past due amount of {$390.00}. This is not my account. I called XXXX XXXX  an was told this was for a XXXX XXXX I never purchased a XXXX XXXX nor received one. I was told they would dispute this the merchant. However it is still showing on all 3 credit reports. I called XXXX XXXX who then called XXXX XXXX they said they were unable to find the account. I am a victim of identy theft from XXXX
Consumer complaint received 2022-04-19
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. (PA)

On all 3 credit bureaus there is an account listed from XXXX XXXX XXXX original balance of {$2600.00} with a past due amount of {$390.00}. This is not my account. I called XXXX XXXX an was told this was for a XXXX XXXX  I never purchased a XXXX XXXX nor received one. I was told they would dispute this the merchant. However it is still showing on all 3 credit reports. I called XXXX XXXX who then called XXXX XXXX they said they were unable to find the account. I am a victim of identy theft from XXXX
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Consumer complaint received 2023-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

I have reached out to your company asking for proof that we have a contract together. I asked for hard evidence, but your company has yet to provide any proof that such occurred. Are you even licensed in the state of XXXX  to collect debt? Legally, I never made a binding contract with your company using my wet signature. If I did, please provide proof. I in fact know that I did not, thats why proof has yet to be provided. Please delete this account from all three of my credit reports immediately as you are a collection agency, and it is against the law to be on my credit report without my consent.
Consumer complaint received 2021-02-19
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: CONRAD CREDIT CORPORATION (FL)

The following accounts appearing on my credit report are fraudulent : XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, CXXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$3600.00} I reached out to the XXXX, XXXX and XXXX  credit bureaus several times .The last correspondence was XX/XX/XXXX. I have received no valid response.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NY)

I received two emails, both from Synchrony Bank. They both state a " trial deposit has been made to my account. '' One is supposedly tied to my AMAZON account, I don't have a Synchrony Bank account or an Amazon Card. 
I did not request or solicit this " trial deposit ''. 
There is no information to contact this bank - only a reference to the FTC website.