davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (SC)

Credit Karma stated that I had an Excellent chance at being approved for a credit card based on my credit history however once I applied and they pulled my credit I was denied. Credit Karma should not have offers stating Excellent approval knowing that they do a hard inquiry on your credit only to get denied. Now I have a hard inquiry on my credit report and got denied for the card. XXXX XXXX
Consumer complaint received 2022-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Social Finance, Inc. (CA)

Opened an account with SOFI XXXX XX/XX/XXXX received money {$1000.00} XX/XX/XXXX received money {$500.00} XX/XX/XXXX Withdrawal to bank cancelled by SO FI According to their terms and conditions, customers can receive, transfer money to and from Sofi to other bank accounts. 

However, this account was immediately frozen and all services suspended. 

I placed several calls to SO FI but was not able to get through for a few weeks. I finally spoke to one of their agents who told me that my account was under review and that this was standard practice, and to check back in a few days. 

I checked my account as suggested by the agent and still everything was frozen and all functions were suspended, so again I called back and was told at this time that I had violated their terms and conditions when I asked what this was in regards to. 

They were very vague and elusive and alleged that I had committed fraud. I was totally shocked. " Fraud! '' I asked what you are talking about. 

I am not aware of any such actions, and I find this very offensive and insulting. Again, I pressed for information : what and where were the specific violation in their terms, of which they did not provide, but they were very broad, evasive, and ambiguous. 

I have found this company to be very abusive to its members. They made me feel like a criminal. 

I filed a complaint with the XXXX  and received a letter back from SOFI on XX/XX/XXXX. 

They did not provide any proof of anything but informed me in writing that I was not getting my money back. 

As of today, I still have not received my balance of {$1500.00}. 

Sofi 's engage in deceptive business practice by keeping an account frozen and suspended. 
They can technically say its not close but rather state it's in review or it's suspended, therefore holding onto a person 's balance and not paying them. 
This is illegal, deceptive, and unethical. 

This harms the consumer on all levels. 

Consumers are further targeted and abused by their phone agents, who are very cold and harsh on the phone. 


They have no interest in helping them resolve their issues. This company goes a step further by sending out a letter with pages of terms and conditions but not highlighting any violations, are reference them for the consumers This is deception and opening an account they did a bait and switch. 

I feel that they committed fraud against me by their actions and have provided substantial proof of this fact. 

This company is unethical, financially dishonest, and abusive at the highest level, and I have been harmed by these illegal tactics. 
I want them to return what they stole from me. 
My {$1500.00}.
Consumer complaint received 2020-06-04
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2018-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (OH)

This account was placed with XXXX XXXX XXXX XXXX and I settled with this for 25 % of the balance {$5600.00}. This account need to be closed as Settled in Full in Barclays system as well as on my credit report. I have a settlement letter from XXXX too!
Consumer complaint received 2022-05-01
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: World Acceptance Corporation (SC)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2020-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (IN)

The companies involved are GLA collections which was called upon my XXXX ( XXXX  counseling company no longer open in the area ). They collected cash prior to each class. If the amount was not paid, the services were not provided. I was up to date on my payments. The counselor then left the company putting a stoppage to classes all together. It is not possible that a debt of XXXX is present based on the process and services provided. I have disputed this through XXXX  with no success and will continue to until this is resolved. It has caused me the inability to take out a loan for a house as well as other things.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I used Experian to get a credit check to rent an apartment. The site is structured so that its very easy to accidentally enrol for membership it calms it costs {$1.00} for a credit check. But what you don't see is at the very bottom it will automatically enrol you in there horrible program that will charge you {$21.00} Every month to be spammed by them. I tried to cancel online but you can't. I tried calling the help line but the first prompt is for you to put in your SS number, not your account number but your SS number. I don't feel comfortable doing this. So I don't know how to cancel it. This practice of forcing membership by making it impossible to cancel should be made illegal.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

I have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.
Consumer complaint received 2023-03-20
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. (SC)

All hard inquiries are below that were unauthorized by me : XXXX XXXX XXXX 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 2020-06-04
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. (LA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX {$3100.00} XXXX XXXX {$2500.00} CHAPTERXXXXBANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUTPCYXXXX-XX/XX/20-XXXX-XX/XX/20 {$0.00}
Consumer complaint received 2023-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (OR)

Hello, My name is XXXX XXXX. I have a savings account with Credit Karma app and or website. It's called a XXXX account. On XXXX XXXX, XXXX XXXX XXXX 's bank affiliate transfered my portion of my XXXX tax refund. Now the 'Linked External ' account I have on file with them is a now closed XXXX XXXX Checking account. I have tried to update to a new External transfer account on the App and on the website. However, the option to do so does not exist for my account as their Help Article plainly states it should for all accounts for all their customers. I have contacted them on several occasions and they playcate me and dance around the issue and they have said they are going to escalate the issue and someone will contact me by email but never does. It's as if the link in my version of the app is not functioning and clearly is looping back to the initial savings account dashboard page. I have a Information Technology background along with website development, localization, XXXX XXXX, understanding of XXXX, XXXX, and HTML and Quality Assurance flow testing. They are denying my ability to withdraw my funds in the amount of {$5500.00} USD. Please advise.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/2022 it states i had an inquiry from XXXX XXXX XXXX XXXX but ive never ran my credit with this company and ive been asking for this to be removed since i saw the fraudulent inquiry
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I disputed my personal name with Experian because, they are not reporting me accurately However, they decided to not correct the error and remove any other aliases they have of me. I only have one name, XXXX XXXX XXXX XXXX Experian has profile under anther name XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-01
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. (AL)

I'm writing in a response to a recent debt verification request from me to XXXX XXXX  and credit bureaus. I requested debt verification for a signed agreement with original creditor and or agreement with XXXX XXXX XXXX XXXX that they have a legal right to collect the alleged debt. since over 60 days ago but no response until I file a complaint through cfpb. On XX/XX/2022 I received a letter in the mail showing just a billing statement and not any signed agreements or application from the original creditor or any agreement that I had signed a contract to pay XXXX XXXX XXXX if original debt is not paid. If this information can not be furnished in a timely manner pursuant to the fair credit reporting act, it must be deleted from my credit file immediately. Also attached is a letter requesting more detailed info from XXXX XXXX XXXX. Please send information I requested via usps to my mailing address. Lastly the account information that is furnished on my credit file is totally different from the statement i received from original creditor. This is misleading information and needs to be deleted from my credit file because this information was not furnished properly Thanks Sincerely
Consumer complaint received 2020-06-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DEPTEDXXXX {$7700.00} XXXX {$46000.00} XXXX {$370.00} XXXX {$280.00} DEPTEDXXXX {$660.00} XXXX {$500.00} USDEPTEDXXXXXXXX {$5500.00} XXXX {$6800.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I had an old account with XXXX XXXX XXXX that was closed in XXXX of 2015. Despite the fact that this account XXXX XXXX XXXX has been closed for 6 years now, XXXX continues to report this account as an ACTIVE account that is 120 days past due. An account that has been closed for 6 years can not still be active and actively delinquent. I've made several requests for XXXX to correct their reporting error, but no action is ever taken.
Consumer complaint received 2019-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Recovery Services, LLC (TN)

I've sent letters on XX/XX/19 and XX/XX/19 to Absolute Recovery Services for verification of this alleged debt that sits on my credit reports. I have yet to receive a response in the mail outlining this debt. I just need to be sure that this debt does indeed belong to me. I'm very confused about a $ XXXX account sitting on my credit report that I had no knowledge of.
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

On XX/XX/XXXX I was alerted by XXXX that there was an unpaid debt collection added to my credit report by a collections agency named " XXXX XXXX, XXXX '' for an unpaid balance of {$260.00}. After reviewing the item in more detail, I was able to find very limited information and could only find out that this was in relation to an unpaid balance that a company named " XXXX XXXX '' had claimed was outstanding. I have never heard of either XXXX XXXX or XXXX XXXX, XXXX and have absolutely never done business with them. I have never received any communication from either company with regards to any matter including an account being opened or an unpaid balance, and have also never received any confirmation or validation of debt on my name. On XX/XX/XXXX I repeatedly called Convergent to find out why they have an outstanding balance on my credit report and to request more details in order to resolve. I was repeatedly put on hold and transferred to several different representatives who could not provide any additional information or confirm this activity on my credit report. These attempts to find out more information resulted in them hanging up on me, as well as telling me to call their " Corporate Office '' at the same phone number which I was already dialing that directed me to the representatives I have already been speaking to. Due to the fact that there was no communication of the an account being opened with XXXX and no validation of debt provided I am very confident this unpaid collections is a result of fraudulent activity against my name and want to have it removed from my credit report as it already affecting my credit score unethically and unlawfully.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CORELOGIC INC (TN)

Last 4 of SSNXXXX RE : XXXX XXXX 've previously requested my consumer report from you & provided all the necessary documentation I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXPlease tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? Supply your response within 15 days or delete the trade-lines.
Consumer complaint received 2024-02-05
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. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

They will not refund the full initial cost of the card nor honor the Terms & Agreement ( T & A ) for the welcome bonus offer portion. 

AMEX offered a welcome promotion bonus offer for their Delta Platinum Card of XXXX points with a spending of {$3000.00} within 90 days. The card initiated a {$190.00} fee as part of the sign up T & A. 

AMEX Admits that this offer was assigned to my account. Spending limit was met within 92 days. The T & A states that the bonus offer will be credited to the account within 6-8 weeks. 

It's been 12 weeks and AMEX took no action to provide the bonus offer until complaint was made. AMEX reports 6-8 weeks requirement for investigation to be completed with no commitment that the original bonus offer will be provided. 

Also told that they will not refund the full amount of the initial {$190.00} fee. Consumer has to wait 18-20 weeks by AMEX estimation for a decision to be made. Under this scenario the consumer would only receive a {$35.00} refund due to the prorate and no bonus offer if AMEX does not award. 

This is deceptive, misleading. They will not refund the full initial cost of the card nor honor the T & A.
Consumer complaint received 2018-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

I opened a bank account with Wells Fargo in XX/XX/XXXX. I believe the account could have been overdrawn i called to speak with an associate at the banking institution sometime around XX/XX/XXXX. Once on the line with the associate was told i was denied for a student loan as i did receive a letter stating this as well. I never applied to receive a student loan i was not a student i was working not attending school. This incident raised red flags i asked to speak with the Manager and wasnt able to i went into the bank i opened the account with to speak with the Manager i spoke with another associate who explained the debt was in fact mine because the account was overdrawn i didnt not receive notice. I let the situation go for a while due to other obligations i found out a Credit Card was opened in my name per my Credit Report without authorization from me. The account was closed XX/XX/XXXX with a {$600.00} spending limit it also shows out of the {$600.00} limit {$330.00} was used towards debt collection. I am currently involved in a class action law suit with XXXX against Wells Fargo for fraudulently opening credit accounts without consent or approval of their customers. The debt is still showing on all 3 credit bureaus and have been on my credit for 6 years and 8 months i need this debt removed and this issue resolved.
Consumer complaint received 2018-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (IL)

Re : Personal Finance Company I'm currently having hardship and I can not make regular payments for this creditor. I requested not to be contact at work. Person from this company has been harassing me at work, I'm not allowed to take personal phone calls at work. I requested this person not to call me at work and he still does.