davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (IL)

i have contacted Robinhood via email, social media and phone to no avail. They continue to keep my nearly {$2300.00} in my account and are refusing to allow me to w/d my money. they keep coming up with 100 % false emails and lies that claim I said there was fraudulent activity on my account. I NEVER said that. In fact, the only fraud actually is on part of Robinhood who continues to pretend to be doing something about this issue by emailing once in a while that they will get back to me but never do. 

Robinhood has and continues to commit theft, conversion and fraud by misrepresenting its practices and procedures regarding funds withdrawal. Further, their clear lack of policy and procedure for handling issues they can not even identify ( i still do not know why my account is " frozen '' ) is a clear indication that everything they represent and warrant in their solicitating my business, disclosures, etc. is COMPLETELY FALSE. 

They have take NO ACTUAL OR REASONABLE steps to address my 30 plus emails. Under false pretenses, they pretend to be looking into the matter and in fact its HIGHLY PROBABLE that they are not. 

My next steps will be to contact the SEC, the Illinois department of financial and professional regulation to ensure that XXXX is held accountable but more importantly - its workers who i am sure are all licensed in some form or fashion are disciplined and/or lose their licenses.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

On XX/XX/XXXX, I paid off a {$230000.00} mortgage loan to Pennymac. Since XX/XX/XXXX, my mortgage had been in forbearance. The forbearance plan was to expire in XX/XX/XXXX. The loan was paid off before my forbearance expiration date and they have updated my credit in XXXX from 60 days late, starting in the beginning of the month, to now, with all 3 credit bureaus as 180 days late. All in XXXX single month. If I was 180 days late at any time, why is it in the remarks/ account status, but not reflected thru 6 months of late reporting to credit bureaus. The 180 days is only reported for XX/XX/XXXX. So what happened to the prior 5 months? I didnt know you could get marked 180 days late, for 1 month? It makes no sense! This is my second consumer complaint on Pennymac, since Ive been in forbearance. They are going to investigate this, and then proceed to lie, as they did previously. The have murdered my credit score, while in forbearance, but its like a scam. They report every month that you are late while in forbearance. The reporting, deducts from you credit score, but in the next month, these previous monthly marking disappear and appear to move to the next up coming month ( biggest scam ever )! So Pennymac is telling me, that maybe the late reporting may fall off my credit report in 2 months. What a joke!! So you mess up my credit score, mark me 6 months late in forbearance, all in one month, and you tell me, Lets hope it falls off in a couple months! I want my credit fixed now, right now. I will never return to this Mortgage Company EVER! Fix my credit please!
Consumer complaint received 2020-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Greetings. 

i sent a disputes letters to the credit bureaus sunch as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Consumer complaint received 2022-01-19
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. (MD)

I did not give Transunion Permissible purpose to furnish any information on my credit file. Pursuant to the Fair Credit Reporting Act 15 USC 1681b - Permissible purposes of consumer reports. ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give permission as the " consumer '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( c ). Violation of my consumer file is a violation of the Fair Credit Reporting Act 15 USC 1681n ( 1 ) ( A ) civil liability for damages sustain by the consumer not less than {$100.00} and no more than {$1000.00}.
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (CA)

Dear Sir : I had popular bank XXXX XXXX Visa Card ending XXXX. 
** Annual fee {$140.00} just post and call for cancellation within 30 days grace period. They still no reimburse the credit after card closed. 

Due to Covid-19 issue, I can not make travel and take XXXX XXXX  flight for these years. On XX/XX/21, the next year Annual fee {$140.00} for the card post to my account, when I check my statement around 1 week later, I cann customer service to cancel due to covid-19 issue to make travel difficulties.

Service rep said the annual fee is related to next year, since I called to cancel right after Annual fee post, I don't need to pay, then close account. 

However, when I received account closed mail and check. Account still can login and next annual fee is due. 

I contact them within 30 days grace period of annual fee post, and account has been closed by request, there is no reason to charge me the fee for the unused, closed card. 

their contact us XXXX is hard to reach, most of time is voice mail recording and I only can find some info for dispute Popular Credit Services Disputes Resolution XXXX XXXX XXXX XXXX, GA XXXX However, it looks like they force customer to pay the annual fee even card has been closed within 30 days grace period. 

Please let me know if you need more detail info regarding my account #, address, name ... etc to verify I will provide right away to you. 

Your help will be greatly appreciated.
Consumer complaint received 2021-09-14
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: Experian Information Solutions Inc. (SC)

I have contacted Experian nine times ( 9 ) over the accuracy of information, third party XXXX XXXX and the Low Ball credit scores. I have repeated told Experian that I am NOT XXXX XXXX. Experian have repeatedly shown biasness in its assessment of information sharing. IT appears that Experian have not learned anything from its past Class Action Law Suit!!!!!!!
Consumer complaint received 2022-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

I need help and I don't know who to reach out to. 

My problem is that every other month or I find that I am getting calls telling me that my account is past due - when it is not. I have always paid my mortgage in two payments and since I retired ( as a XXXX XXXX XXXXy XXXX ) my 1st partial payment is the last Wednesday ( i.e. XX/XX/XXXX ) of the previous for the next month ( i.e., XX/XX/XXXX ). 

I received a very upsetting call today from someone ( a gentleman ) who was very obnoxious and insisted that I needed to pay my XXXX mortgage which includes late fees. After several attempts of explaining to this person that I don't have an outstanding balance due, I relented and said that if need be I would take this up with Consumer protection, he told me that I didn't know what I was talking about and that he was looking at my account, I said I too am looking at both the mortgage and bank statements and that I needed to explain -- he cut me off and said I'm not going to argue with you and hung up I have attached my bank statements commencing with XX/XX/XXXX to the end of XX/XX/XXXX, highlighting what each payment was for and when it was posted for NewRez. Also included are copies of upcoming payments for XX/XX/XXXX. 

It's so confusing, it's like a shell game, I'm told that NewRez services the Mortgage for XXXX who as it turns out provide no assistance at all. 

If you can't help me, can you please direct me to someone that can. I would be ever so grateful.
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rent Recovery Solutions (CO)

XXXX XXXX renewed our lease. We gave them a 30 days notice and they let us know that since we only gave them a 30 day notice we wouldnt have to pay the upcoming rent due but we would just have to pay a fee that we would end up getting in the mail since it wasnt a 60 day notice. We ended up not getting anything in the mail but this collection notice. We left because of the mold in the apartment due to leaks from the ceiling. Maintenance workers never came for the issue. We also left because they would turn off the apartment complexes water for XXXX or more days which kept continuously happening. My partner has taken action by calling the complex. We were told to contact someone in the next few days because the person there didnt know how to solve this financial issue but the people coming in the next few days would know.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Admin Recovery, LLC (AK)

i bought a XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX came and went and no bill. i finally got a bill in XX/XX/XXXX and they were charging me interest for XXXX bill that i never got. i clled them on XXXX XX/XX/XXXX and was trying to pay the who ; e item off. and they refused to except my credit card payment. which under the ucc 3-603, the bill is considered discharged/payed off. i called them again XXXX XX/XX/XXXX and XXXX XXXX XXXX i told them that the bill is considered payed off when you refuse to except my payment. and again they refused to take the credit card payment. so on XXXX XX/XX/XXXX i get a call from admin recovery XXXX XXXX at XXXX XXXX. i had not even gotten a letter from him. first of all the call was left on my friends house phone with information about the debt that was personal. then when i called XXXX XXXX when i was wanting more time to think about all my options he started to treaten me with my credit, and also said he would call his clients and let them do what ever they wanted to do next. the clienst is not XXXX but XXXX retail card servies/XXXX XXXX. they do not have a license to do business in alaska. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXadmin recovery has a license to do business in alaska but the place in XXXX ak has no one in the office. this office is being run by a company in XXXX XXXX nv. they only come to ak once a month if that. i was under pressure to make a decission right then. i was not allowed to wait my 30 days under the law, so i payed them {$1000.00} on a credit card that i did not have to pay because it was already discharged under the ucc 3-603XXXX XXXX XXXX told me that XXXX XXXX does except credit and debt card payments. i have the recording from all of them. XXXX XXXX  and XXXX XXXX. i have the papers the i have kept. also XXXX XXXX  after six months must discharge the debt. thats their law. i have stuff i can send you in the mail. i have no way of putting it on my computer. i don't know how to attach it to the file.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2020 I've file a dispute for unknown and inaccurate accounts on my credit report but I haven't receive a response and it is almost over 30 Days now since I've filed. I was a victim of XXXX  Data Breach. I demand to Delete all those accounts or I will file a litigation.
Consumer complaint received 2021-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMW Financial Services NA, LLC (NV)

My payments are due on XXXX of every month. that's the due date. 
In XXXX payment was due on the XXXX of the month, as such I mad a payment in XXXX on the XXXX. 

since there are 31 days in XXXX, XX/XX/XXXX is the XXXX day. BMW was paid on that day which is the XXXX day. so because they were paid on that XXXX day, they can not report me 30days late, because they had payment in their possession on day 30 and such was not over yet so technically the 30th day was not over yet and they are in violation of fair credit reporting as such states : " late payments generally wont end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees. '' XXXX states : If youre only a few days or a couple of weeks late on the payment, and you make the full late payment before that 30 days is up, See, XXXX XXXX XXXX On XX/XX/XXXX when I made the payment, the 30 days was not up yet and they had the payment, so they are incorrectly reporting a late payment.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019, Chase froze my account when I tried to make a phone call to make sure my card doesn't get declined, because it always get declined. So when I ask the reasoning to why they closed my account, Chase couldn't give me a valid answer to why I couldn't use my card. Also, this isn't my first compliant on Chase to why they keep closing my account. Chase is targeting me because I am young. I am feeling very discriminated against that because I am young successful working guy.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Fraudulent accounts are in my report, I requested validation through the original contract but no contracts have been sent to me ever since. This request has been ignored as shouldn't be the case as the law states that I am able to request a contract between me and the company that I have allegedly had an account.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

the bank is not compatible with payments in general but online payments really scares them too much, they continue to block payments for no reason, perhaps a better idea is : citi stay away from internet/the web, and work on the streets only, wth your branches, you are absolutly unable to manage a online banking, there are no possibilieties, that i will call you for every payment that i place on the internet and most importantly the phone is not a legal requirement so if i want/prefer/estabilish>/want/prefer, then i can simply trash the phone system and use only a email account I use a virtual card attached to the primary card for online purchases, with a purchase limit they offer virtual credit card accounts, for 1 time usage on the web, but they donpt trust their own systems on XX/XX/2021, I have plaved the order for {$9600.00} I clicked on the email Sent from citi On XX/XX/XXXX and I confirmed that I made the purchase I responded by email and confirmed the charge was valid, and the block was removed from your account A block was subsequently reapplied on the account which resulted in charges being declined and this time they asked to use their passion, the phone systen, again they block each online payment!! I suggest you to hire a corporate neurologist I DO NOT USE THE PHONE!, WHAT DO YOU NEED TO UNDERSTAND THIS SIMPLE SENTENCE
Consumer complaint received 2019-03-20
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. (CA)

I am very disappointed with the companies Equifax and XXXX. I reported Identity theft on the accounts that are reporting, per Section 605B in the FCRA I submitted supporting documentation such as a driver license, social, and the FTC report with the report number, XXXX removed the information within 24 hours from showing on my report, and Equifax and XXXX refuse to remove the information, and submitted it as a regular dispute, when I stated that it is a identity theft issue, and pursuant to section 605B they must remove this information within 4 business days upon receiving the identitification, and the FTC report. They refuse to follow that rule, they stated they do not follow federal law and regulations, and the follow their own companies regulations, in which regular disputes take 30 days. Its been well over 30 days, they removed the information from reporting, and then it appeared again on my report. Please handle this in a manner that EQUIFAX AND XXXX  understand that they MUST follow FEDERAL regulations and not their own. Because it was very hard for me to make them understand that above their companys regulations, they must follow FEDERAL laws first. Please help me in reporting equifax and XXXX  to relook through their companies regulations, and follow federal regulations so people like me who suffer from identity theft, do not have to worry about incorrect information reporting on their credit file.
Consumer complaint received 2022-07-25
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. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under, also these XXXX accounts are outside of the statute of limitations here in Texas of XXXX  years XXXX!!! 

-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 XXXX 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 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I WAS NEVER LATE ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (AL)

XXXX XXXX all debt to Comenity bank was found invalid and dismissed. Documents were forwarded to the company and credit bureaus from the XXXXrobate Court. Comenity bank continues to report wayfair, XXXX, etc as bad dent and all 3 of the bureau agencies have been no help.
Consumer complaint received 2019-03-21
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: AMERICAN EXPRESS COMPANY (MI)

I HAVE BEEN WITH AMERICAN EXPRESS SINCE XXXX AND HAVE PAID IN FULL MY MONTHLY BALANCE AS IS REFLECTED IN THE PAYMENT HISTORY OF MY CREDIT REPORTS. THIS IS WITH REGARD TO AMERICAN EXPRESS ACCOUNT # XXXX THAT WAS SHOWN OPEN ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX. WHEN I WAS IN CONTROL OF THE AMEX ACCOUNT AND MADE MY OWN PAYMENTS, I PAID THE CARD IN FULL EACH MONTH LEAVING A XXXX BALANCE. DUE TO HOSPITALIZATION, THE COURT HAD ORDERED A CONSERVATOR, MR. XXXX XXXX, BE PUT IN PLACE WHO WAS SUPPOSED TO MANAGE MY FUDICIARY AFFAIRS WITH PRUDENCE AND ACCOUNTABILITY. 

MR. XXXX REDIRECTED ALL MY MAIL TO HIS OFFICE ADDRESS AT XXXX XXXX XXXX XXXX XXXX, MI XXXX AND TOLD ME HE CANCELLED ALL MY CARDS. I WOULD HAVE EXPECTED HIM TO PAY DOWN THE BALANCE IF I ASCERTAINED THAT THOSE CHARGES WERE MINE BUT THE COURT TOOK FINANCIAL CONTROL OUT OF MY HANDS AND LEFT IT TO MR. XXXX WHO NEGLECTED TO ACCOUNT FOR MY CREDIT HISTORY AND FINANCIAL WELL BEING. 

I HAVE NO IDEA WHETHER THE CHARGES SHOWN ARE MINE OR MR. XXXX 'S OR A RESULT OF MY VEHICLE BEING AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES WITH ID CARDS, CHECKBOOKS AND CREDIT AND DEBIT CARDS OF MINE IN THE VEHICLE THAT WERE NOT SECURELY DESTROYED OR RETURNED TO ME. I MADE THE REPORT TO AMERICAN EXPRESS THE SAME TIME I WAS RELEASED FROM THE HOSPITAL AND WAS TOLD THAT NEW CARDS WOULD BE RE-ISSUED AND THAT I WON'T BE LIABLE FOR CHARGES THAT ARE FRAUDULENT OR NOT MINE. 

I DO NOT KNOW IF NEW CARDS WERE INDEED ISSUED BECAUSE MR. XXXX KEPT ALL MY FINANCIAL AFFAIRS TO HIMSELF AND HELD MY ACCOUNTS WITHOUT GIVING ME ACCESS TO MY MAIL OR MY CREDIT/BANK ACCOUNTS. HE HAD NO RIGHT TO CANCEL OR MAKE CHARGES ON MY CREDIT CARDS.