davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

My first corporate credit card ( CitiBank ) supposedly was delivered to me on XX/XX/XXXX, but I had never received it. Then I got an email from my company portal that I had expenses charged to this credit account, which I thought was impossible since I had not gotten the mail with the card. I go to my portal, and it says that I have made several purchases from XX/XX/XXXX- XX/XX/XXXX, varying from tens to hundreds of dollars. I never made these expenses because I never received the mail. I call Citibank to cancel the card and file a claim that they were all fraudulent charges, they tell me that all the charges should be gone from my account within 60 days. I receive a replacement card and order it to my family home at another address just in case the thief lived in my apartment and tried to steal it again. I receive the replacement card, I activate it, and thought everything was fine. I recently receive an email from Citibank saying that they will not be crediting my account for the fraudulent charges and have rebilled my account to reject my claim. They use the reasoning that they had received a call from my phone number on XX/XX/XXXX to activate the card using personal information. If these people had access to my phone number and my mail, I have no doubt they had access to my personal information as well. If I pull up my phone records, you will be able to see that I have never made a call out to CitiBank on that day ( will attach phone records below ). I explain to them there is new technology to swap other people 's phone number onto theirs using the SIM card. They dismiss it. I am now filing a claim with Consumer Finance to appeal their decision
Consumer complaint received 2020-08-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX andXX/XX/XXXX, I filed a dispute with the Three major credit bureaus Experian, XXXX and XXXX about the unverified account That are being deported inaccurately on my credit report. In those 2 months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you!
Consumer complaint received 2020-08-11
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. (SC)

Unsure who opened a XXXX XXXX  account in my name but it doesn't matter because I've never serviced with XXXX XXXX I don't even watch tv. Item was deleted by Experian in XX/XX/2020 but showed back up on my report in XXXX by different creditor. This is against the Fair Credit Act. My upload is the deleted file and a screen of the random account showing up on my credit attached with XXXX XXXX name on the account. Please don't let Experian get away with this. Thank you
Consumer complaint received 2023-03-23
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. (DE)

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. 


Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-09-17
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. Validate Inaccurate/Reported Late payments XXXX XXXX Account Number : XXXX Please correct/update this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (WA)

XX/XX/scrub> 2024 : I verified my bank and card details on Robinhood and deposited {$1500.00} into Robinhood in order to buy ETH. Minutes later, my account was restricted, preventing me from taking custody over my asset/currency by sending my ETH to my external wallet. Robinhood requested that I provide additional information to verify my identity, including a selfie picture with my ID and bank statement. 

XXXX XXXX, 2024 : I provided all necessary information. 

XXXX XXXX, 2024 XXXX Robinhood calls me, but I missed the call. Robinhood tells me that they called and that I need to request a call in the app ( there is no phone number for me to call directly ). I find out, instead, that I need to click on a " Request a call '' prompt in the app/website, but NEITHER of the " Request a call '' prompts work, either leading nowhere ( dead weblinks ) or leading to a webpage that says that the link is invalid. 

As a result, I reach out to 6 different customer service agents via chat to explain the issue, and I get the same canned response of " just click on the Request a call '' button, of which I told them it doesn't work. 

XX/XX/year>2024 : I submit a complaint to help@robinhood.com. They repond, telling me to resubmit a bank statement and to give them a call ( phone number provided w/ case number ). 

XX/XX/year>2024 : There is NO place to submit a bank statement on the app or website, so I reply to help@robinhood.com about this. I called the phone number and was able to get connected to an agent that requested a bank statement. They requested that I submit the bank statement in the app, but because I can't download my bank statements directly on my phone, I told them I needed to download it off my computer and send it to them. They said to give them a call back when I did that. After downloading my bank statement, I tried calling the support number with my case number, but the automatic phone representative stated that my case number was no longer valid.
Consumer complaint received 2023-01-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Parnell & Parnell, PA (GA)

On Sunday XX/XX/2023 around XXXX A lady identified herself as attorney XXXX XXXX XXXX GA XXXX # XXXX working for XXXX XXXX XXXX XXXX XXXX went to my parent 's house, knocked on their door. My dad answered the door but he doesn't speak English so my XXXX XXXX XXXX who was there at the time came to the door. The lady handed him a stack of court paper over 60pages and pointed out the information on the first page and explained to him that I owed XXXX XXXX about {$10000.00}. She told him that I need to call her within 30days to resolve. She also asked him to translate that to my Dad who wasn't at the door anymore but my son said it's ok and then she drove off. He was shocked and traumatized by the information so he called me. I have to rush over to the house to get the paper and calm him down.
Consumer complaint received 2022-07-18
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. (AZ)

I have complained a thousand times, yet you used old complaint to close new complaint, I was identity thefted yet no one will do thier there should be no inquiring on my reports and the accounts I've been disputing in never fixed or investigated. I am now reporting that XXXX, XXXX, exsperian and CFPB have all committed fraud that report is going to FTC, IC3 and department of Justice, you all are fraudulent lying about investigations, using old results for new complaints. Do what you will but I won't stop till I'm Paid very well or you all loose bussiness license.
Consumer complaint received 2020-08-11
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. (GA)

My identity has been compromised by a number of sources, but the main reason is the lost of my wallet. This lead to being a victim of the dark web as well as being caught in the XXXX breach. Now the result of all this is unknown and fraudulent accounts appearing and reporting on my credit file. I'm demanding these accounts to be removed immediately. 

1 ) XXXX XXXX  {$110.00} 2 ) XXXX XXXX  {$160.00} 3 ) XXXX XXXX   {$310.00} 4 ) XXXX XXXX  {$730.00} 5 ) XXXX XXXX {$60.00} 6 )  XXXX  {$1000.00} 7 ) XXXX XXXX XXXX {$300.00} 8 )  XXXX XXXX {$790.00} 9 ) XXXX XXXX {$790.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX   {$300.00} 12 ) XXXX XXXX {$790.00} 13 ) XXXX XXXX {$500.00} 14 )  XXXX XXXX {$500.00}
Consumer complaint received 2022-07-18
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. (FL)

Again, I was a victim of identity theft and this is another COMPLAINT to block the unknown items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to block any items not later than 4 business days after the XX/XX/XXXX letter. Ive already included this report in my previous complaint XXXX, XXXX, and XXXX & I am including it again. Also, the information you provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please block the items listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX - ; XXXX XXXX XXXX Balance - ; XXXX  XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance ; XXXX XXXX XXXX Balance - ; XXXX  XXXX Balance - XXXX XXXX XXXX XXXX XXXX FL XXXX Balance - ; XXXX/XXXX XXXX Balance {$2100.00} ;
Consumer complaint received 2024-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (TX)

I had an unauthorized transaction on my account XX/XX/XXXX when I realized this I called money network and asked to cancel my card and how to dispute. They told me I had to print and fill out a form then scan it and convert into a PDF and email their fraud department, which I did the very next day. After 2 months they denied my dispute and I asked why and they said that I authorized transaction from something j was disputed but what they described wasnt even on the form that I sent to them. So I asked to appeal and they told me the only way to do that was to fax them which I did and I have not heard anything from them since.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX loans have all been paid in full and closed over 45 days ago and it still reports as open on my credit report.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Request for Immediate Deletion of Illegally Sold Information Due to Equifax Data Breach I am formally requesting the immediate deletion of specific accounts and items from my credit report. As a victim of the Equifax data breach, my personal information was unlawfully sold and purchased. I am attaching evidence confirming Equifax 's acknowledgment of my status as a victim of this data breach.

In light of this breach and Equifax 's failure to take appropriate action, I request the removal of the associated accounts and items from my credit report effective immediately. Your prompt attention to this matter is appreciated.

I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act the following companies violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 U.S.C section 602 A, I have the right to privacy and my privacy had been violated.

15 U.S.C 1681 section 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written consent and I did not provide any written consent for my information to be furnished in which this too is another violation.

I DEMAND the removal and deletion of all accounts listed above immediately.
Consumer complaint received 2024-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (CT)

I graduated from college a few months ago. I didnt have a job to start repayment demands. Sally Mae called me everyday demanding to pay nearly {$2000.00}. I stated that I am not employed and requested a forbearance so that my loans do not go into default. Sallymae denied my request and stated that I do not qualify for forbearance. They told me that I have to start paying right away. Sallymae representatives continued to call me all hours of the day demanding payment in addition to mail and emails none stop. I spoke to them again and I reiterated my financial hardship and to postpone my payments until I find employment. Again they denied it, so I asked for an income based repayment plan so that I can make small payments until I was able to satisfy my obligations. Sallymae again said I didnt qualify for income driven assistance and that it wasnt being offered that this time and I had to pay the Accounts in full. I was desperate to find funds to pay the demand of {$2000.00}. I tried going online to make a good faith payment but it was locked. I had to call them to make a payment. After several months I obtained a job, so I called Sallymae and the representative told me again that I had to make a payment for nearly {$2000.00}. I explained again my financial situation and the representative didnt care about my financial situation. She didnt ask me to provide proof of income to evaluate my payment plan. XXXX didnt ask me about my living expenses. She harassed me stating my loans will go into default and my wages with be garnished so I need to pay now. I was intimidated by her demands so I paid this balance. I asked the representative to help me apply for relief or income base plan. She said no. That I have to wait till next month and apply online and see if I qualify. This is stressing me out because I cant afford to pay {$2000.00} a month for student loans. I have living expenses that need to be paid and this will cause an even more economic crisis for me.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have contacted Capital One about a venture card that was opened fraudulently in my name as well as other cards that were accessed at the same time to get these accounts closed and removed from my credit report. I have sent them copies of the identity theft report from identitytheft.gov as well as the police report, yet they are denying my claim.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act the following companies violated my rights XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct # XXXX According to 15 U.S.C section 602 A, I have the right to privacy and my privacy had been violated.

15 U.S.C 1681 section 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written consent and I did not provide any written consent for my information to be furnished in which this too is another violation.

I DEMAND the removal and deletion of all accounts listed above immediately.
Consumer complaint received 2023-03-06
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. (TX)

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 30 days Late Past due amount {$0.00} Fraudulent Account : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargedoff Past due amount {$180.00} Fraudulent Account : XXXX XXXX XXXX IN ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Date XXXX XX/XX/XXXX Open/closed Closed Status Charged off Past due amount {$530.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$170.00} Fraudulent Inquiries XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (CA)

XX/XX/XXXX my friend sent me XXXX dollars via cash app ( cashapp to cashapp ) but he sent it to an old account of mine and they are more than unwilling to verify my identity to help me gain access to that account nor will they return the funds I gave them the phone number linked to that account ( I no longer have access to that number ) there is no email linked just a credit card I do not have anymore
Consumer complaint received 2021-02-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc. (KS)

Advance America credited a bank account that was not mine. I called immediately to tell them they'd deposited into the wrong account and was told they'd fix it. It's been TWO YEARS and they're still calling me to pay back a loan I never received. Advance America told me to call the bank they deposited the money into, but the bank basically laughed at me trying to discuss money into an account that wasn't mine. The calls are now harassing, as they call AT LEAST two to three times per day. I get nowhere with them when I explain the situation and who I've talked to ( which, conveniently, they never seem to have a record for. )
Consumer complaint received 2020-08-11
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 — Their investigation did not fix an error on your report
Company: BRite Financial Services, Inc. (WI)

I have a loan with XXXX, BRITE FINAN, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, BRITE FINAN, and XXXX with no successful resolution. There was definitely an error on their part.