davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Social Finance, Inc. (CA)

I signed up for a member ship with sofi a few month 's ago i started to utilize the services offered. Then in the beginning of XXXX i had a issue with my external bank account where i was getting unauthorized transactions so my bank advises me that they need to send a stop payment to all my transactions to be able get my funds back. So i contracted sofi to let them know what the situation and was and sofis customer service told me my account will be at a negative and that to avoid any account fees i needed to make another transfer to being my account current. So on XX/XX/2019 i transferred {$20000.00} because i ended up closing my external account due to fear of my account being tampered with i then transfered my remaining balance to my sofi account. So my sofi membership account holds my funds totaling {$35000.00}. My complaint is sofi isnt even a bank how are they able to hold all my money and not release my funds to me its been 7 days they have bern with holding my funds and thats not right. I feel like they are breaking some sort of law because it's my money it came from my external bank. Ive tired emailing calling and they do not give me no answers yet my funds just sit there. I thought that maybe its due to assumption of illegal account activity but that's not possible because they make you log into your external bank to verify account owner ship. I just want my funds to be accessible for my use not to be held by a company that isn't even a bank.
Consumer complaint received 2019-03-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2019 I sent a certified letter to Portfolio Recovery Associates LLC requesting validation of a debt the claim I owe. The company responded by sending me two statements dated XX/XX/2019 saying they had investigated the matter and found that the debt was valid.they included a copy of a letter and copies of two months of billing statements from XXXX XXXX. I sent Portfolio Recovery Associates LLC a second certified letter with return receipt on XX/XX/2019. It was signed for by XXXX XXXX on XX/XX/2019. I then received another statement dated XX/XX/2019 that again stated the debt was valid, and enclosed another copy of the same copy of a letter from XXXX XXXX.The last thing I received was another two statements dated XX/XX/2019 saying again they consider the debt valid, will no longer investigate, will no longer reply to requests for validation, and consider this matter closed. In total the only evidence of this debt that Portfolio Recovery Associates LLC provided to me was the copies of two monthly bille and two copies of the same letter, this does not meet the requirements set by the Fair Debt Collection Practices Act or the Fair Credit Reporting Act.
Consumer complaint received 2019-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (OR)

In XX/XX/XXXX I decided it was time to repair my credit and buy a house. I had several outstanding credit card collections that needed to be paid off. 
XXXX XXXX XXXX had three of those collections. In order to pay off all my collections I took out a high interest personal loan at the end of XX/XX/XXXX. On XX/XX/XXXX I called every single collection agency on my credit report and paid every one of them with the exception of the one in question. 
On XX/XX/XXXX I paid XXXX XXXX XXXX for 2 of the three collection accounts. 
First one was for {$290.00} and the second was for {$740.00}. 
The XXXX one I couldn't pay, they told me that because it was already entered in a Judgment, they couldn't receive payment. I called every payday from XXXX until the end of XXXX trying to pay this debt and finish my credit repair. Every time I called I was told its still in the legal department and can't make a payment. At this point I was starting to get upset and frustrated with XXXX XXXX. In early XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX of XXXX XXXX in XXXX Arizona stating the XXXX XXXX XXXX " acknowledges receipt of goods '' and was " a full satisfaction of judgment ''. 
Fast forward to today, XX/XX/XXXX, I am in the middle of a home purchase where escrow closes on XX/XX/XXXX and my lender called me to say XXXX XXXX is now saying I owe them {$1200.00}. We ( mortgage company and me ) thought that with the letter from the court they would fix this. I argued on the phone with a XXXX XXXX rep for over an hour. I finally was so upset that I said I would just pay the balance because I need to get this fixed so I can move forward with my home purchase. I was then transferred to XXXX, what they keep calling the legal department at XXXX XXXX. I explained to the new representative that I just wanted to pay the balance. He looked up my account and then asked " you live in Oregon? '' I said " yes ''. He then proceeds to tell me that he can not accept payment because XXXX is not authorized to collect in Oregon. 
I am making this complaint because it is urgent that this is taken care of or my home purchase could fall through and I already gave my landlord my 30 day notice back on the XX/XX/XXXX. I am desperate and have really been trying to pay this for almost a year.
Consumer complaint received 2019-01-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO. (NV)

My daughter was in a total loss collision accident on XX/XX/XXXX. The insurance coverage provided by XXXX was swift and efficient as they issued insurance check to XXXX Chase Finance on XX/XX/XXXX for {$18000.00} for full payoff of lease balance of approximately {$16000.00}. I still have not received check from Chase Fonance as of XX/XX/XXXX despite several phone calls to them. I was informed that they need more time to confirm amount of check is correct. What could they possibly need to confirm since the money was from XXXX and not Chase?? Furthmore, upon receipt of check from XXXX, Chase Finance deleted access to all my information online, including payment activity, statements, account numbers, etc. my check should have been issued long ago and my account information should not have been deleted. They need to place my information back online, issue me my check, and add interest to the time they have had access to my funds. They have clearly, deliberately and unlawfully held my money.
Consumer complaint received 2023-07-27
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. (NY)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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
Consumer complaint received 2023-07-27
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-27
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. (NC)

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 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 2023-03-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (CA)

I hold my FSA account with Optum Financial. I submitted a claim under my XXXX and XXXX XXXX account on XX/XX/XXXX for reimbursement. The customer support department continue to re route to different departments or try to ignore the requests than helping me resolve the reimbursement request. I held {$86.00} in my account which can be claimed if I submit the claim by XX/XX/XXXX which I did on time but still Optum Financial is not able to fix the issue and have displayed " Processing reimbursement, sent if future funds received '' although funds are present in my account. 

After my multiple requests to call them and wait for hours and speak to different representatives they're still not able to resolve this. Today is XX/XX/XXXX and they've forfeitured " - {$86.00} '' for no reason although I've a claim still to be processed.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-01-27
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. (CA)

I have never applied for a loan/ credit with XXXX . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (UT)

Over the course of the past year XXXX and Lakeview Loan Servicing LLC has misappropriated over {$7000.00}  of my escrow funds. Out of my escrow account they have been paying county property taxes on three properties that I do not own and never have owned. Between XX/XX/2018 and XX/XX/2018 I contacted their customer service department 5 times ( including sending the attached certified letter with corroborating details received from the county ) letting them know what happened and asking for a resolution ( to refund the {$3700.00} ). In every instance they made promises to look into it that they promptly broke and/or they ignored my claims. 

Because of a death in my immediate family I was unable to pursue this further until on XX/XX/2018, I called customer service again, since they erroneously paid out yet another {$3800.00} from my escrow account. They again said they would look into it. Following up to the telephone call I sent them an email including a copy of the certified letter from XXXX with its tracking number. 

Two days after calling and emailing their customer service department with details ( on XX/XX/2018 ) they sent me a letter stating that they intended to sell my mortgage to XXXX XXXX.
Consumer complaint received 2021-01-27
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. (NY)

All three bureaus XXXX  Transunion and XXXX  has been abusing their power of being a reporting agency.The unathorized inaccurate reporting without my consent in noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (PA)

in accordance with the fair credit reporting act Sallie May Bank Inc has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Second 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for any purpose
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/2024 I found disrepancies on my report with Trans Union, XXXX, XXXX XXXX XXXX XXXXXXXX the date of last actividy says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2019-01-03
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. (CA)

I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what i was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. For yet another time, the following accounts are erroneous : XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$260000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX XXXX  ACC XXXX, Date Opened XX/XX/XXXX, XXXX Credit Limit {$3500.00} XXXX XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2600.00} XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00} XXXX XXXX  ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2000.00} Attached herewith are : 1. The dispute letter I sent to this company on XX/XX/XXXX
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation (GA)

My Account with First Franklin is Paid In Full with a XXXX Balance. However, it is not reporting that way to all three credit bureaus. Also, during the time my account was open, hard inquiries were placed on my credit file instead of soft inquiries on XX/XX/XXXX and XX/XX/XXXX, in which nothing was signed stating hard inquiries would be placed on my credit file. The first original hard inquiry was on XX/XX/XXXX.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I have a home mortgage loan with Wells Fargo. In 2014 the loan was modified and I had to go through a trial modification. I paid all the payments in the trial period on time. The payments were no late as it shows on the report. If they were late, my loan would not have been permanently modified. However the credit bureau reports show the payments during that trial period were late and it's hurt my credit rating. I've sent letters to Wells Fargo and to the three credit bureaus to correct this and nothing has changed. I should have good credit but it's not showing up since Wells Fargo has not changed status from late to paid on time.
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

I contacted the customer service department to request an updated escrow analysls be completed as I would like my monthly payment to be below {$950.00}. I have an escrow shortage, but with the interest on escrow that was just deposited, this partial escrow shortage payment will allow the payment to be below {$950.00} if reanalyzed. 

I was advised that I couldn't request this on the phone and that due to guidelines, it had to be a written request sent to them with signature and reason and that they can deny my request if they want to. I would like to know where in the RESPA guidelines it states that the request for an escrow analysis must be sent in in writing? No other mortgage company does this. 

This bank is one of the worst that I have ever had to deal with. It took them almost a year for me to be able to see my account online. I still cant make a monthly mortgage payment on their website, when calling in to make a payment, they opt to read a disclosure the size of a small novella ( I have never seen this with any other bank ), and now just a simple request to ask that my loan be re-analyzed requires me to spend my precious time to write a letter and send it to them! I am really disappointed and would like their upper management to be aware of this board complaint as it didn't have to happen.
Consumer complaint received 2020-09-24
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. (NV)

I disputed the collection account ( XXXX XXXX XXXX XXXX ) with Experian in XXXX of 2020 whereas Experian said the debt was valid. I disagreed and contacted the debt collector ( XXXX XXXX XXXX XXXX ) directly in writing on XX/XX/2020 demanding and under XXXX XXXX they had 30 days to validate the debt and provide me the supporting documents from the original creditor. The debt collector did not provide me any supporting documents to validate the debt after 30 days thus the debt is no longer valid and doesn't exist. I forwarded the written request and provided evidence and documents that the debt collector did not response and requested Experian remove the item and they refused. Because this item is impacting my ability to find affordable housing its urgent it is removed.
Consumer complaint received 2019-01-03
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: CITIBANK, N.A. (NY)

Citibank made a business decision to close my cash back rewards card. They were supposed to mail me a check of my accrued cash back of {$1400.00}. They never did. I have called four times since XXXX each time I was advised it will take 7-10 business days. Today XX/XX/19 I called they stated the cash back I accumulated was not guaranteed to be sent to me. That was a balance that I accrued and during their decision to close my account which I am still paying a balance for them to send me what I have earned on my account.
Consumer complaint received 2018-08-25
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. (OH)

I was going to buy a car and I pulled up my XXXX XXXX, XXXX XXXX, Experian and XXXX credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports. 
XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2019-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (NC)

Upon looking at my credit file in XXXX of XXXX, I realized there was a collection being report to XXXX   in the amount of {$3400.00} by a company called Perfection Collection. The company said the debt was opened on XX/XX/XXXX This debt is most certainly not mine, and I'd like the matter resolved and removed from my credit file.
Consumer complaint received 2021-03-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

So far since 2017 I have been paying this {$3000.00} debt. 
I fell behind one time because loss of job. But I told them that too but now have been paying {$270.00} every month for 4 years almost. I paid over $ XXXX in payments already. 
I need to get out of this please help. I had no clue it was daily interest of 100 % Thank you I talked to them and still i have $ XXXX