davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (IL)

There was a promotion by the bank for {$500.00} if consumer has XXXX direct deposit to the XXXX checking account totaling {$5000.00}. This has been completed by me and the bank statement reflects this ( XXXX deposits with XXXX ID ). However, the company has refused to release the bonus due to a coding error on their end not recognizing my deposit as " direct deposit ''. I reckon that this is the bank 's issue and does not change the fact that those were direct deposits. They have refused to release the bonus until I made XXXX more direct deposits.
Consumer complaint received 2022-05-17
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXXXXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (TX)

I had XXXX XXXX deposits going into my account and the money was not reflecting the amount that was going in and I was paying extra money to have it instant deposit but instead they were having my transactions pending instead of doing the instant deposit also they were holding my charge back. I saw it that the people put the money in my account that morning, look back at it later on and it was taken out and the bank told me that it was the company but the company said that they put the money in my account and also gave me a confirmation number, The bank kept lying to me only the story would change when I tell them I had proof and showed them that I have screenshots of how the money was deposited through online banking. Also my balance is not reflecting the correct amount. The money was deposited but the balance never changed. Spoke with a supervisor and received the same story.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Equifax announced the cyber security incident one of the largest in history unauthorized data breach occurred from mid XXXX XXXX- XXXX XXXX. The incident was discovered by equifax XXXX  XXXX. My data was breached from mid XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2022-12-16
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. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

When signing up with the card they never tell you or gave me terms saying this is this or that. I never even received my card on the mail I was using a copy I was able to download online to use it. I never got statement in the mail and now that I look at the statements I see they even have my address wrong.So a year later with care credit I think I'm almost done paying my card because I make high payments like $ XXXX but always over my min payment. I go into the account to log in and I see I'm being charged XXXX instead of the XXXX dollars I was currently at going down in back at where I started it I would of known this I would of never signed up with this Care Credit company!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to express my extreme disappointment with the lack of response from XXXX, XXXX, and Experian regarding the disputes I sent regarding inaccuracies on my credit report. Despite my diligent efforts in listing the accounts and clearly outlining the violations to my consumer report, it has been over 30 days and I have received no response from any of the credit bureaus. 

It is imperative to note that under the Fair Credit Reporting Act, every detail on my credit report must be 100 % accurate. The accounts in question are in direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) for their failure to report accurately. Furthermore, the violation of 605 ( c ) running if the period has also been noted, as the date of last activity on these accounts is reporting incorrectly. 

I am attaching copies of all letters sent for your reference. I expect immediate action to rectify these issues and ensure that my credit report reflects accurate information as mandated by law.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXXXXXX 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 XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-12-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Dyck-O'Neal, Inc. (CA)

Client in the process of selling their property. A lien popped up on title from an old XXXX account. The company purportedly handling the lien is called XXXXXXXX, XXXX, TX XXXX. Despite being asked on numerous occasions to provide a payoff to escrow, they have refused. The seller ( client ) now is being threatened with a lawsuit by buyer because of this company 's actions. XXXX is in violation of XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX.
Consumer complaint received 2018-05-26
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: Innovis (FL)

Innovis file ( # XXXX ) I received my Innovis report and discovered that there were accounts on this report not relating to me. I was a victim of identity theft. I have sent to them my FTC ID affidavit signed and notarized including the police report attachment and identifications that identify me. They have ignored the FCRA law of section 605B. FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

They did not provide one of the statutory reasons that permit them to deny within the four days the law permits.

Additionally, the reason of conducting a 30 day investigation is not a condition of blocking under section 605B. 

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. These accounts need to be removed and deleted from my report. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hello, I have recently discovered that I have been the victim of Identity theft in which such person [ s ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I been trying to purchase a home so I started looking at my credit report more closely. 

In XX/XX/XXXX I discovered that the following Accounts have been opened Fraudulently : XXXX. XXXX {$3700.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$210.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX Main {$7400.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX {$5700.00} Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$680.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX Bank {$4200.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$2400.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX Resolutions XXXX {$3600.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX {$00.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX {$1200.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX {$9600.00} Acct # XXXX Opened XX/XX/XXXX These are all the accounts from Experian that have cross referenced with the Federal Identity Theft Report!
Consumer complaint received 2022-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc. (NC)

Reference # : XXXX I reject your offer to contract. I did not consent to any nonaffiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claim act. I would like the name and address of the original creditors as I have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress!
Consumer complaint received 2022-05-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (OR)

I paid my auto loan off early in XXXX of this year in full to close my auto loan and they continued to debt my bank account via autopayment the following month. The overpayment took over 25 days to receive from them via check. My XXXX Balance/Account closed or paid in full letter was sent signed and dated XX/XX/XXXX and my closed Paid IN FULL Promissory Note, Disclosure, and Security Agreement from them was dated XX/XX/XXXX. 

The issue is my loan was paid off early, then they debited my bank account to overpay, took 25 days for reimbursement, Paid in Full dates do not match and now they are tried debiting my bank account two months later after my account has been closed and paid off! 

Now they have deleted payment history on their website, reopened my account and even debited my bank account without my permission AFTER MY ACCOUNT WAS PAID OFF AND CLOSED TWO MONTHS PRIOR! 

I have requested a written explanation in accordance to 15 U.S. Code 1692g - Validation of debts and have not received anything in writing. They have also deleted my payment history from their website by deleting my last payments and even the reimbursement of when they kept debiting my bank account even after it was paid off ... creating an overpayment for over a month. Do not TRUST THIS COMPANY!
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to both XXXX XXXX and credit report agencies regarding a late payment that is showing on my credit reports. This is inaccurate and needs to be updated/deleted immediately. XXXX XXXX, XXXX, Transunion, and XXXX all sent back computer-generated letters saying they found it to be " accurate ''. I then requested a method of verification -- No Response! It has been well over 30 Days.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/XXXX, XXXX I deposited to Chase bank {$2900.00} cash to use ATM machine at XXXX XXXX XXXX, XXXX CA XXXX 
At that time, money was jammed, and the machine just printed one reciept and fail to deposit. The amount of money ( {$2900.00} ) didn't show up on my account. So I opened the claim with Chase customer claim department, and after 11days, they said the case was denied because they couldn't find any trasaction about my debit card at that day on that ATM machine. So I visited the chase branch and ask to help, but they can not help anything about ATM machine. So I am requested help to CFPB to fine my money back. This money is my rent, utility and all for living but I can not pay anythkng so I am having difficulty to live. 

I will give the information on the reciept which was printed out that time : AID # : XXXX Term ID # : XXXX Sequence # : XXXX Card # : XXXX deposit to check account XXXX
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (FL)

I did a balance transfer from my Citi card account. It is due to be paid off so I do not incur additional interest or fees. No where on the site or when I call the CS rep can someone give me a clear and concise balance so I know what to pay and on what date. It says I should pay by XX/XX/2022 but the statement closing date is the XXXX. Normally it is by the due date and that is the XXXX. It is so confusing, the rep was on the phone because the numbers are not matching and she could not find the numbers either. The amount she is giving me is almost XXXX less than what the numbers available say. Is this a trick so I dont pay the right amount? I really do not think it is but why can't there statement or site give the correct and up-to-date information. She told me she was going to look at something, then hung up after waiting for XXXX min to get someone and XXXX min on the phone. 
Very frustrating and it needs to be represented to the consumer in a more plain talk like other banks. There is not warning that it is due by a certain day on the statement, no alert that your balance transfer is due on the site. 
My daily balance subject to interest is XXXX. I have paid XXXX I should owe XXXX and she is saying I owe XXXX. Does not add up.
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A. (NY)

I XXXX XXXX the natural person and consumer as defined by the FDCPA 15 USC 1692 ( a ) ( XXXX ) who is submitting this complaint on my own behalf there is no third party involved. Weltman Weinberg & Reis Co. LPA have invaded my right to privacy by sending a letter received on or about XX/XX/2022 which was dated XX/XX/2022 stating that the consumer owes a debt. Weltman is a debt collector as defined by the FDCPA 15 USC 1692a ( 6 ) and has violated the FDCPA. The receipt of this communication was at a very inconvenient time and was an attempt to harass me to coerce a payment of an alleged obligation by way of intended misrepresentation. The receipt of such document is misleading and it appears to be from an attorney which is a violation of 15 usc 1692 ( e ) ( 3 ). Pursuant 15 USC 1692 ( c ) ( a ) I have never given this company my direct consent to contact me or to have my personal information.This is a huge invasion of my right privacy. It is clear that this company has violated the FDCPA and intentionally attempting to deceive I the consumer. This is an alleged obligation. Farther more this company has no rights to collect any amount. UCC 9-109 clearly states such action is prohibited being that this account was transferred for the sole purpose of collecting only and Weltman is a debt collector. I do not give you permission to take any legal action against me. The attached exhibit was mailed to this company on XX/XX/2022 and delivered by XXXX certified mail which was picked up on XX/XX/2022.
Consumer complaint received 2022-05-17
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)

I mailed a certified letter XX/XX/XXXX to the Credit Bureau about inaccurate information regarding a 2 XXXX XXXX charged off account with inaccurate balances they responded stating I was not specific with my dispute. XXXX XXXX account XXXX XXXX this is a charged off account which has an inaccurate balance amount also with a past due amount listed has also inaccurate Date of First Delinquency, Date of Last Payment and Payment History please delete this account as it has inaccurate information Tracking # XXXX I also followed up with another letter for my dispute Tracking # XXXX XX/XX/XXXX Also the 3 credit bureau have different account numbers nothing matches I need these items to be removed asap none of the information the credit bureaus match
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TX)

XXXX XXXX XXXXXXXX i go there to get my XXXX off my direct-express card like always but no XX/XX/XXXX in the drive threw direct-express told me the bank had my money on the XXXX  try but still would not give me my money the bank tried XXXX  more time 's to get avoid because they had the money the bank called the linden police to remove me from the drive threw and the bank tried to keep my driver 's license nd my direct-express card and tried to make me leave with out my money the bank drew XXXX from my direct-express card why they tried XXXX times they know they were not getting more money
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Synovus Bank (GA)

On XXXX XXXX, 2015, I disputed whether the account listed as XXXX Bank and the data legitimately belonged to me. See Attached. After this information was allegedly verified by the bureau I requested what information was used to verify such in a correspondence letters. See Attached. This was done with XXXX Bank as well by phone. I have yet to receive any information confirming the validity of said account. This account should no longer exist on these reports XXXX.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I mailed a letter to Experian, XXXX, and XXXX asking for an update on my personal information XX/XX/year>. They insisted that I did not know my personal information and refused to update and/or remove names that do not belong to me, social security numbers that are not mine, old non mailable addresses, and my employment information. 15 U.S.C 1681B ( A ) ( 2 ) entitles me to update my consumer report in accordance with my written instructions. Refusing to remove outdated, irrelevant, and non mailable addresses from consumer report violates my rights. This is causing direct damage to my character and mode of living. 15 U.S.C 1681A defines what a consumer report is and what it should be used for. The options listed are " ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. '' Please update my personal information as requested. I have attached a new letter written to be uploaded here because they did not respond to my request from XX/XX/year>.
Consumer complaint received 2024-02-15
Product: Credit reporting 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. (FL)

After recently looking at my credit report, I have numerous and fraudulent inquiries that does not relate to any credit transactions that I have made. These are inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX