davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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. (FL)

I paid two old credit card accounts I had with XXXX XXXX XXXX XXXX. I filed a dispute with experian and provided proof of payment and that the account should show a XXXX balance. They have refused to update my report and correct the information. They claim that since XXXX said the account wasnt paid that they wont fix it. So know I am facing a higher interest rate on a loan and may not be even able to qualify for the loan due to their incompetence. I just want my credit report to be accurate which should not be to much to ask.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (AL)

My credit dropped because I was put back on my husband credit card after being removed for 5 years. I reached out to Sams club they said it wasnt them wii hi I did this and I reached out to experian no one wants to be held accountable for their actions but I have a right to know why was this done. If no one admit to doing this I will continue to look into this matter until an appropriate answer is given and since its election time I will reach out to a candidate. My credit is being looked at by XXXX XXXX and I dont have an account with them once again who gives these people the right to do what theyre doing
Consumer complaint received 2022-04-15
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc. (NY)

Social Finance ( SoFi ) has been soliciting me to refinance my student loan for over 2 years. They presumably know from their soft credit pull that my debt sits with XXXX XXXX Bank. 

I submitted an application, and was told that SoFi does not refinance student loans from XXXX XXXX, even though I provided them with my loan note proving it is a Qualified Education Loan, as well as the 1098-E statement from 2021, further evidence that this loan is subject to 26 U.S. Code 221.

I have requested a review of the file, but received no further information from SoFi regarding the rationale or justification for not being capable of refinancing this debt. 

Thank you for your assistance in escalating appropriately.
Consumer complaint received 2022-04-15
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. (NY)

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES PLEASE SEE ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (WA)

XXXX XX/XX/2022 I filed an Experian credit dispute requesting Creditor provide documentation validating the reported debt on my credit report. Creditor failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. Creditor failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Consumer complaint received 2022-04-15
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC (MN)

XX/XX/XXXX My federal student loans disbursed by XXXX XXXX XXXX XXXX deposited over {$6000.00} into my Bank Mobil online student checking account early XX/XX/XXXX. 

Bank Mobile allowed XXXX XXXX to have full access to my funds, personal information and allowed them to dictate my privacy settings no matter whether the information was accurate or not. Further, Bank Mobile Vibe, violated their own online policies as they couldn 't nor wouldn't verify to whom, for what reason, nor tell me where my federal went. 

I have used XXXX XXXX successfully and w/o incident to send money to my monthly creditors. 

I noted two large debits from Checking account and noted that I did not authorize, consent, nor benefit from having these funds debited from my online student account.

I notified this bank immediately when I discovered the unauthorized funds missing from my account. I was transferred to 5 different banks reps. prior to getting the fraud dept. in which I originally and clearly requested. I see now that this was a deterrent and a method to discourage and prevent me from properly reporting these gross errors to the proper department. I was even disconnected after holding 10 mins for the fraud department. However, I persisted and did rightfully and honestly report the funds missing from my account. I was certain the bank would promptly return my monies as the debits to XXXX XXXX were missing the normal data i.e. name of individual receiving the funds, their account number, date, location and any memos necessary and/or entered by the account holder. THIS INFORMATION PROVIDED ME ON PREVIOUS SUCESSFULL USE OF XXXX XXXX were not provided m as described on the bank 's website with regard to the their policies, procedures and protocol. In fact, the bank could not tell to whom or to what business my funds went too. I was shocked and flabberghasted by this bank 's negligence and failure to tell me where my funds went and they didn't even care.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$31.00} XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-15
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: Scott Fetzer Financial Group Inc. (MD)

United Consumer Finance Services ( UCFS ) account was settled in full after the charge off as of XX/XX/XXXX ; however this company is still reporting to the credit bureau the entire calendar year of XXXX ( late/charge-off ) and in the calendar year XXXX from XXXX to XXXX ( late/charge ) is here is in accurate and this account should be deleted from my credit report immediately.
Consumer complaint received 2023-06-30
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item
of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

At XXXX XXXX  on XX/XX/2018 I was advised by XXXX after dialing in to XXXX that he could not process my mortgage payment for me. While Wells Fargo has repeatedly lied to you about my case which involves their breach of federal and state law and has nothing to do with my mortgage directly XXXX told me that he can not take my payment for XX/XX/2018 BECAUSE of the lawsuit I filed against Wells. In fact and as a matter of law parties to civil litigation in California may freely interact without regard to their status as litigants ( XXXX XXXX, CA XXXX XXXX ). My lawsuit against Wells is available on XXXX ( XXXX ) and is filed in the XXXX XXXX of California. It is incomprehensible that the simple processing of a mortgage payment has been delayed because Wells Fargo is literally playing games because I had the audacity to sue them for breaking the law. This is absolutely unacceptable and I will also be notifying the media AND my elected federal representatives. You need to DO something this time to make them pay for being willfully ignorant.
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to express my deep concern regarding the late opening of account with your company. As a valued customer, I have always appreciated the quality of service and products provided by Credit Bureaus, but recent delays in account processing have been significantly inconvenient and frustrating. I submitted applications to open account with your company, providing all required documentation and fulfilling necessary formalities promptly. However, to my dismay, I have yet to receive confirmation of the account openings, despite the considerable time that has passed since my initial submission. These delays have not only disrupted my operations but have also caused financial implications for my business. I rely on timely access to account with your company to facilitate smooth transactions and maintain a healthy business relationship. The prolonged processing time is unacceptable and has tarnished my perception of your company 's reliability and efficiency. I urge you to address this matter with the utmost urgency and expedite the processing of my account openings. Prompt action to rectify this situation will demonstrate your commitment to customer satisfaction and help restore my confidence in your services. Please provide me with a concrete timeline for the completion of this process and any necessary steps I can take to expedite the resolution. Additionally, I would appreciate regular updates on the status of my account openings until they are finalized. Thank you for your attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent similar occurrences in the future. I am asking for your assisstance to correct these XXXX items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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. (AZ)

In accordance with Fair Credit Reporting Act Everything has to be 100 % accurate in my credit report The credit bureaus stated that my account was properly investigated but how is this possible when there are unauthorized hard inquiries, data sets related to inputting of accounts were not metro 2 compliant, data listed is mismatched compared to other credits and my request for account verification was dismissed. This is grounds for removal and they also violated my rights under : 15 U.S.C 1681 section 602 ( a ) requires accuracy and fairness of credit reporting. 15 U.S.C 1681b section 604 ( a ) ( 2 ) permissible purposes of consumer report - In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681g section 609 ( a ) ( 1 ) Disclosures to consumers - Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : All information in the consumers file at the time of the request. The credit bureaus also took more than 30 days to complete my investigation
Consumer complaint received 2019-05-02
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 ran my credit recently to start generating credit and see someone else has been using my credit before I even got the chance to. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX amount {$1200.00} opened-XX/XX/XXXX ( 4 yrs, 1 mos ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX amount {$250.00} opened-XX/XX/XXXX ( 3 yrs, 10 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX amount {$320.00} opened- XX/XX/XXXX ( 3 yrs, 4 mos ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX USA ( XXXX ) XXXX amount- {$0.00} opened-XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX USA amount- {$370.00} opened-XX/XX/XXXX ( 5 yrs, 6 mos )
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX : {$1200.00}
Consumer complaint received 2023-06-07
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-01
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: JPMORGAN CHASE & CO. (FL)

XXXX provided a copy of my credit report to multiple companies without my authorization : -XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXJPMCB Auto Finance on XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX As such , it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CO)

please see case # XXXX and Case # XXXX in Reference to Case # XXXX. I have previously requested that Equifax removed item # XXXX from my credit report. Due to the improper manner and deceitful manner in which this judgment was obtained ( please review previous complaint to your agency submitted on XX/XX/2016.
Consumer complaint received 2022-04-15
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. (WI)

I finally got a resolution when the Attorney General from California actually did something unlike the CFPB who has not intervened or done anything. I thought everything was resolved until some disputes and credit inquiries were sent to me last night on Experian alerting me. I DID NOT SUBMIT ANY OF THIS! I HAVE NO IDEA WHAT IT IS OR HOW IT AFFECTS ME. AND THEN I CHECKED MY REPORT AND THEY REAGED MY ACCOUNT ... ... ... ... ... ... ..AGAIN!!!!!!!!!!!!!!!!!!!!!!!! I AM GOING TO SUE EXPERIAN IN FEDERAL COURT AND I HAVE MULTIPLE CASES AND PROOF. HAVE YOUR MANAGER CALL ME. I CALLED EXPERIAN AND FINALLY GOT THROUGH TO A HUMAN. I ASKED FOR A SUPERVISOR AND THEY SAID THEYD CALL ME IN AN HOUR. IT HAS BEEN 5 DAYS NEVER RECEIVED A CALL AND THEIR RESPONSE VIA EMAIL WAS THEY DO NOT DO CALLBACKS. I AM SICK OF THIS XXXX I HAVE BEEN DEALING WITH THIS FOR 5 MONTHS. I HAVE NO IDEA WHAT XXXX XXXXXXXX XXXX XXXX OR WHY THERE IS A CREDIT INQUIRY THAT HAS BEEN REMOVED OR WHY MY ACCOUNT IS REAGED AGAIN AND IF WHEN THEY REAGED DID THEY PUT A HARD CREDIT PULL ON IT SINCE THEY HAD IT CLOSED XX/XX/2022 TRYING TO CLOSE IT XXXX. THESE XXXX  USED A TEMPLATE AND DID NOT REMOVE THE STUFF FROM ANOTHER MEMBER CLAIMING BANKRUPTCY AND CRAZY XXXX. I HAVE NOT DISPUTED MY MORTGAGE WHY IS MY MORTGAGE BEING BROUGHT UP! IT HAS TAKEN ME MONTHS TO FIGHT THESE BATTLES WITH THIS DISGUSTING CORRUPT BANKS AND I CAN NOT APPLY FOR MY HOME LOAN UNTIL THIS IS RESOLVED!!!!!!!!!!!! YOU ARE RUINING MY XXXX LIFE.
Consumer complaint received 2022-04-15
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)

I am writing this complaint to remove information from my credit file. I just reviewed a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.