davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
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. (DE)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-01-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, I called B of A to ask them to close my credit card because i viewed a charge to card which i did not authorize the day of the transaction. They complied and went forth and sent me another Credit Card. When i received the new card i put it in a drawer without activation. In XXXX 2022 I received a payment request from B of A for the amount of XXXX and called them. I told the XXXX on the phone what happened and she looked into it. I pointed out the charge was on an account that had been closed and gave her the last XXXX digits of the credit card as listed on paperwork they sent me. She put me on hold then came back on and said they don't know why the charge had been put through and transfered me to someone who gave me this number # XXXX and told me not to worry about it. 
B of A sold all their XXXX accounts to XXXX XXXX  and i received a payment request from them for XXXX and I called them. I explained what happened they said they would look into it. My XXXX XXXX went from XXXX to XXXX and they said they will be charging me interest until they resolve their investigation. 
I just came back from B of A in XXXX XXXX ( XXXX XXXX ) asking them to look into the matter and i gave them the paperwork when they resolved the issue. I told them what has been going on with XXXX XXXX  and she went to make some phone calls. She came back and told me there is nothing they can do since all paperwork that B of A had on me was bought by XXXX XXXX. 
I have tried to resolve this issue, i even contacted the vendor of said product i allegedly purchased. They told me to go to XXXX and ask for refund. That page has been moved because of complaints and when you click on the new site, all it says when it comes up is XXXX. Just XXXX word XXXX.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone comprised my personal information in XXXX and opened a XXXX  XXXX credit card. At the time I was ignorant about credit so I didn't really monitor my credit score. The imposer ran up a balance. The account hit collections I started receiving letters in the mail and that is what caught my attention. Since XXXX of XXXX I have been sending dispute letters through the mail. I sent an identity theft affidavit, filed an Federal Trade Commission ( FTC ) report and the account keep coming back verified. On XX/XX/XXXX I called XXXX XXXX and they could not verify me from my date of birth or my residency and confirmed to me that the account was abnormal and was most likely fraud. They then told me I would have to call the credit bureaus so they could handle it. I am tired of them make me go in circles. This situation is really affecting my life. According to 15 USC 1681a ( k ) ( iii ) adverse action that doesn't benefit you should not be on your consumer report.
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC. (CA)

XXXX XXXX XXXX  previously had a personal equity line of credit product ( PELOC ). When the FDIC had to capture XXXX XXXX XXXX, some smart person decided to sell the PELOC loan servicing rights to Sofi. Borrowers had zero option to change this outcome. The servicing rights were forced on us. 

But the portion of Sofi that obtained the loans use the antiquated XXXX platform. This is the XXXX servicing arm of Sofi. It probably employs 2 people. 

When my PELOC loan was trasferred, the integration doesn't seem to have worked. The XXXX platform shows the loan and recurring interest+principal payment. But the account that will be used to withdrawal funds is incorrect. 

Unfortunately, the XXXX software is exceptionally old/out-dated. There is no way for me to add a different bank account to affect the auto pay. 

Sofi provided a number to call for customer support. XXXX. But, SoFi neglected to staff this number with agents. When I call this number, my estimated wait time is at least 4 hours. I've called 3 separate occasions this week, each time with 4 or 5 hour estimated wait times. If I stay on the line, the estimated wait time does indeed shrink by 5 minutes for every 5 minutes I'm on hold. So the estimate seems correct. 

The alternate Sofi servicing contacts can not access my PELOC since these contact points can only provide support for loans on their newer platform. If I call these numbers or agents, I simply get re-directed to the 5 hour broken wait line. 

https : //www.sofi.com/contact-us/ I am requesting the CFPB to investigate SoFi and penalize their performance for this negligence. They are obviously not prepared to service loans that they knowingly/willingly procured from XXXX XXXX XXXX  and the FDIC. I am also documenting this CFPB complaint to combat damage to my credit report when inevitably my recurring monthly obligation to the PELOC is unmet since their system won't let me update my autopay details.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I applied for a preferred master card with citi bank. And was denied based on my XXXX  credit report. And I don't agree with there decision. My report look good and I was denied based on my race. The application number is XXXX I have a XXXX credit sore and I owe XXXX on a store card. I would like a better redecision with pull my credit fie. Best XXXX XXXX XXXX
Consumer complaint received 2017-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

OnXX/XX/XXXX, I logged in to my mobile banking app and saw that my savings account was negative {$10000.00}. I called customer service and my call was transferred until I got a person 's voicemail. The next day, I was called back and told that XXXX XXXX had filed a claim and therefore they debited my savings account for half of a settlement check that I had received and deposited in XX/XX/XXXX. So the bank debited my account without even speaking to me or notifying me. When I finally got a person at Bank of America, they said I needed to contact XXXX XXXX to find out what was going on. The next day, my checking account and savings account were closed without notifying me or warning me. I was also locked out of mobile banking and can not even access my past transactions. I have had this account for 22 years with no problems. When I went to the local branch, the manager there told me he could n't help me and neither could anyone at Bank of America.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One continues reporting a late payment, depite me asking them to provide proof of sdaid late payment. I have disputed this with Capital one and XXXX and XXXX has simply updated my consumer report and " updated '' the account meanwhile this derrogative and innacurate information continues blemishing my reputation. In accordance with 15 U.S.C. 1681 ( b ) of the FCRA, I have not provided written permission for Capital One to furnish inaccurate information about my creditworthiness.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (GA)

After numerous attempts to resolve this matter, I continue to be ignored! The credit reporting agency did not investigate and delete the items mentioned in the dispute and I haven't heard anything back from them. They responded back with I didn't include verifying information, like driver 's license and proof of address. This is definitely a stall tack tick and is not acceptable.
Consumer complaint received 2022-04-27
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: DriveTime (CA)

This is a follow-up complaint to a previously filed complaint. I have a hard inquiry on my report dated XX/XX/XXXX which I did not authorize, nor initiate. They claim they received information via their website to run my credit- I did not authorize anyone to use my identifiable information to apply for credit ( but at the time members of my household did have access to said information ). The company ( DT Credit ) claimed to have spoken with me on 3 separate occasions regarding this ( false ) inquiry, namely on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, so I pulled my call logs from my cell service provider, as proof that this was false and the only call that happened was on XX/XX/XXXX, when DT Credit placed an incoming call to me, where I informed them I did not apply nor want credit and the call was a mistake/they had gotten me confused with someone else ( my name is extremely common- perhaps a faulty XXXX on their part ). I thought NOTHING of it, especially since I NEVER HEARD FROM THEM AGAIN. DT Credit claims they spoke with me again ( after the initial phone contact on XX/XX/XXXX ) on XX/XX/XXXX and XX/XX/XXXX. This is a flat-out lie. I have my call logs proving the ONLY time we spoke was on the initial contact where I told them the aforementioned. On XX/XX/XXXX I had only 3 calls total, all out-going to family/friends. On XX/XX/XXXX, I did not even have a single phone call, period. I will attach that record to this claim as well as their response to my initial complaint. This is extremely egregious and nefarious behavior on their part- lying to a government agency as well as a U.S. consumer. They seem to say anything to cover themselves in the event they mistakenly let something slip through the cracks. 

They also claimed in their response letter that they have been UNABLE TO REACH ME. ANOTHER LIE. They called and wrote me an email. I responded to the email, stating I did not wish to discuss matters over the phone because I want all correspondence regarding this matter to happen in writing so that they can't change their story after the fact. DT Credit responded and said they would not be doing so due to privacy concerns and would instead respond directly to the complaint I filed with the CFPB. I will be attaching that email correspondence as well.

Now I am expanding my complaint to include the following : 1 ) I wish to know why DT Credit claims they spoke with me on 3 separate occasion in XXXX ( at my number ), when they only spoke with me once ( when I told them it wasn't me/this was a mistake ). Why lie about having spoken with me on XX/XX/XXXX and XX/XX/XXXX? 

2 ) I wish to know why DT Credit claims they were unsuccessful in reaching me to discuss this matter, when I have proof of our email correspondence to the contrary? 

3 ) Again, remove the hard inquiry from my report.
Consumer complaint received 2024-03-21
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: U.S. BANCORP (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-04-27
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  - Account # 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 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I applied for and funded a secured credit card on XX/XX/2021. I paid the fee XX/XX/2021. I used the card and paid the balance of {$61.00} on XX/XX/2021. However the company is reporting a balance of {$61.00} and my credit score has dropped as a result. 

The website says the balance will not change until XX/XX/2021. Apparently they closed my statement date not 30 days after receipt of the card, but on XX/XX/2021. They do not report current information. It will change XX/XX/2021. 

I will close this account since apparently it will not help me establish a payment history. Rather it will establish a balance carried since it does not report payments and balances current as of the date of inquiry.
Consumer complaint received 2021-07-14
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. (NC)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AR)

I can't reach a customer services rep whenever I call Experian to talk about my credit report. I'm prompted to mail in any questions that I have concerning the items on my credit report. This is unacceptable. Experian does not allow me to speak with operator regarding my credit file over the phone.
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

On XXXX XXXX I contacted a loan broker for a refinance. The company accepted the application and a appraisal was performed on XX/XX/20. I constantly contacted broker on status of loan and it was always some kind of delay. In XXXX I finally told broker I was done with them its been 5 months and they still couldnt close on a refinance. I asked the broker for a refund for the appraisal because the amount of time has passed and the appraisal expired due to their inability to close. The broker contacted the company and a few weeks later the company denied the refund.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I requested to have this secured credit card account closed back in XXXX of XXXX. According to XXXX XXXX XXXX this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.
Consumer complaint received 2017-11-29
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)

XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, Experian, and XXXX. No one is resolving the issue.
Consumer complaint received 2021-05-06
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. (TN)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.