davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

i asked XXXX to run my credit once, so that i can see what i was approved for. i was approved for two vehicles. XXXX shared my private information more than twice. they shared it with many financial institutions without my consent or permission causing hard hit to my credit report
Consumer complaint received 2021-06-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MA)

I have 5 medical bills on my credit report 3 are for {$140.00} 1 is for {$140.00} and another for {$140.00}. I have called the collection company several times over a couple of months now asking them to validate the these my bills. They still will not sending me something showing that these are in fact my bills. I have also contacted XXXX as well and have disputed these three times with them. The only thing I have received from the collection agency is a invoice with the collection company logo showing I owe {$720.00}. I do not feel this is a validation of my debt. I feel I have a right to see the validation of the debit to show me it is mine and not for someone else.
Consumer complaint received 2019-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Im requesting for Carrington Mortgage Services to investigate the enclosed Assignment of Mortgage and transfer from XXXX. 

XXXX XXXX XXXX XXXX was also [ n ] ot licensed or registered to operate in the State of New York according to the New York State  of Department of Financial Services ( DFS ) on XX/XX/2011, whom can be reached for verification of this fact at ( XXXX ) XXXX or toll-free ( XXXX ) XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX  ). 

XXXX can not demonstrate an agency relationship between itself and the note holder that gives XXXX the authority to transfer assignments from one entity to another. Furthermore, it would be against XXXX procedure of operation to make an assignment yet XXXX acknowledges in its very own Procedures Manual that it can not make any transfer of assignments to another. XXXX own admission : XXXX  can not transfer the beneficial rights to the debt. The debt can only be transferred by properly endorsing the Promissory Note to the transferee. ( Page 63 ).
Consumer complaint received 2019-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

All 3 reporting companies previously removed false information and are now reporting it again causing a drop in my credit score, even after they did a reinvestigation. This has GOT TO STOP!!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Formal Request for Removal of Inaccurate Late Payments on My Consumer Report : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate.

I am writing to formally request the removal of inaccurate late payments from my consumer report under the authority provided by federal law, specifically 15 U.S.C. 1681a ( 2 ) ( i ) and 15 U.S.C. 6802. After reviewing my credit report, I have identified certain late payment entries that do not accurately reflect my payment history and believe they should be corrected.

Under 15 U.S.C. 1681a ( 2 ) ( i ), which defines consumer report and governs the use of my personal information, I request that the inaccurate entries in question be re-investigated and promptly corrected or removed. Additionally, under 15 U.S.C. 6802, which governs how my financial information is shared and handled by institutions, I expect that my personal data, including the incorrect information being reported, is handled with the utmost care and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following entries are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These inaccuracies are a violation of my rights under the FCRA, which ensures that consumer reports must be accurate, complete , and verifiable. 

As previously filed i am requesting the removal of the accounts.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021. I sent multiple letters to TRANSUNION, requesting further information ( 15 U.S. Code 1692g-violation ) on a my XXXX XXXXXXXX account ending in XXXX being reported on my credit as a Charge-off. Report only shown on my TRANSUNION account, FCRA ) ( 15 U.S.C. 1681. I requested an investigation to be done of this inaccurate information " Charge off, XXXX XXXX ". I informed TRANSUION, that is account was not a charge, I also sent copies of my receipts which shows XXXX XXXXXXXX account ending in XXXX was paid in full. Therefore, I am not understanding which such information came from and my XXXX XXXX account type was labeled as a Charged Off. I never missed any payment on this account.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I went online and saw a house that was advertised by XXXX XXXX who works for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX, SC. XXXX XXXX told me to meet him at his office in XXXX XXXX XXXX and he would have the builder there on XX/XX/2021. When I got there there were people waiting. XXXX XXXX introduced XXXX and XXXX XXXX XXXX XXXX XXXX XXXX as the builders. XXXX XXXX said we require {$55000.00} to sell you the land and start building the house. I wrote a check for {$55000.00} and ask who do I make it payable to? The man who XXXX XXXX introduced as the builder, XXXX XXXX said leave it blank I have a stamp. I later found out that XXXX board made my check payable to himself and put it in his bank and scammed me and my bank out of {$55000.00}. I also found out the XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not and has never owned the land that they sold to me. It was all the housing scam. I called XXXX XXXX and asked him for my money back and he laughed and said all of your money is gone. He gave me XXXX XXXX number and told me to call him. I called XXXX XXXX and left a message and he text me back in DO NOT EVER CONTACT ME AGAIN. I was scammed out of {$55000.00} thinking I was buying a house. They did not have a house to sell or build to me they did not on the land it was all a scam and they stole my {$55000.00} From my checking account.
Consumer complaint received 2022-03-11
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. (GA)

Per HIPPA an individual 's personal information is just that, private, personal and isn't supposed to be just handed out freely to anyone without patient consent whether it's health related or financial. I personally haven't given Anyone permission to share anything about my medical history, medical financial info, medical procedures, codes, or anything else medical. This kind of information should Not be shared with Anyone that isn't directly relevant medically. All credit bureaus should have to reject this type information sent to them! HIPPA was put in place for a reason! Patients have the right to keep any and all information regarding medical information, financial strictly private!!
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Complaint Number : XXXX XXXX Ms. XXXX, Our Regulatory Complaints team has received correspondence on your behalf from the Consumer Financial Protection Bureau ( CFPB ). 

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB. Please contact me by XX/XX/2019, to confirm that information. My days and hours of operation are Monday through Friday from XXXX XXXX. to XXXX XXXX Eastern. 

I look forward to assisting you. 

Thank you, XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX extension XXXX XXXX- XXXX This message, and any attachments, is for the intended recipient ( s ) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions available at http :  //www.bankofamerica.com/emaildisclaimer. If you are not the intended recipient, please delete this message. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Attachments XXXX XXXX  ( 8 minutes ago ) to XXXX Hello XXXX, My account is still being charged for services that I did not receive and use. I do not have access to a telephone, therefore e-mail is the best way to contact me. Yes, I did reach out to the CFPB and I will send this latest email and attachment to them as well. 

Thank you! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I can not resolve this issue as I do not have phone access. I tried e-mailing Mr. XXXX but there's a statement saying the inbox is not being monitored. Bank of America charged the {$65.00} back to my account making it go into overdraft again.
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (VA)

I deposited funds into my account with Robinhood ( RH ) to purchase stocks. Due to my oversight I selected the incorrect checking account which resulted in 3 rejected transactions. I admit this is my fault and have since remediated the Deficit of what was provided up front to me as an instant deposit of {$1000.00} when I deposited that amount after realizing I used the wrong account. My account was locked from being able to purchase more stocks which also is fine. With the instant deposit money provided to me I made over {$700.00} from my investments. I deposited {$1000.00} from the correct account days after noticing my error. Now that I have rectified my deficit and no longer want to trade on the RH platform, I am attempting to withdraw my money. RH claims I now have account restrictions that prevent me from withdrawing my money. I can not withdraw funds that have gone through a regulatory clearing house process and RH is denying me the earned investment accrual from the {$1000.00} instant deposit. I am being denied access to money I provided to RH for trade in addition to money earned. Additionally I have reached out to RH via their contact us process and have not received any correspondence or outreach from an actual service representative to resolve the situation. I have only received canned responses with a claim number via email each time i go through the contact us process. On social media I provided my claim number and have not received a contact from anyone. To be in a pandemic and have a company prevent access to money that is free and clear is down right criminal. It is very transparent in the light of recent events that Robinhood and its leadership do not have the financial capital or technology support in place to support their model and platform.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (MI)

Who : XXXX crypto currency exchange-bank date : XX/XX/XXXX XXXX thru XX/XX/2021 amount : {$13000.00} Problem : i sent USDT XXXX ercXXXX   to my eth address which is totally common and is how almost every wallet and exchange ive ever used transfers all ercXXXX tokens. they go to your etherium wallet. 
They also told me they would attempt to recover my funds and its been 4 months and they have done nothing. I have been trying to stay in contact with XXXX but now they are avoiding me. They are doing this to thousands of people and its unfair and needs to stop immediately and we deserve our hard earned money back. 
If you look on the Etherium block chain, and go to my XXXX wallet number, the usdt is sitting in the wallet and shows the amount and all details, then you go to XXXX XXXX and to my wallet with the same numbers, and the money is not there. Its been 4 Months and i need my money back. 
We need your help please.
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF THE WEST (CA)

XXXX XXXX Bank of the West payment confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I purchased three tickets from a ticket reseller to a XXXX XXXX  race on XX/XX/XXXX with my Capital One Visa credit card. The race was schedule to occur XXXX XXXX of XXXX. The ticket purchase was billed in 6 installment payments, totaling {$3500.00}. The payments and dates were as follows : {$590.00} on XX/XX/XXXX ; {$580.00} on XX/XX/XXXX ; {$600.00} on XX/XX/XXXX ; {$590.00} on XX/XX/XXXX ; {$580.00} on XX/XX/XXXX ; {$550.00} on XX/XX/XXXX. 
The race was postponed due to the COVID-19 pandemic in XXXX, XXXX and ultimately cancelled on XX/XX/XXXX. On XX/XX/XXXX, the ticket reseller sent an email offering a refund within 60 days of XX/XX/XXXX. On XX/XX/XXXX, the ticket reseller sent me an email with an estimated refund date to occur in XXXX, XXXX. The ticket reseller sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating my refund has been delayed. 
Capital Ones dispute policy ( https : //www.capitalone.com/support-center/credit-cards/disputes ) states that A credit card dispute is a process in which you contest that there is a billing error on your account or that a merchant did not honor their terms and conditions. I initiated a dispute with Capital One on XX/XX/XXXX because the ticket reseller did not honor their terms of providing a refund within 60 days. Capital One requested supporting information by XX/XX/XXXX. I provided the supporting information via fax on XX/XX/XXXX. Capital One sent a letter dated XX/XX/XXXX, before the deadline to provide information, that my dispute was not resolved in my favor and has been closed. The reason Capital One provided was that I did not provide the information by the deadline. After I received the letter stating my dispute was closed on XX/XX/XXXX, I immediately called Capital One to ask why my dispute was closed when I provided the supporting information a week before the deadline. The representative on the phone confirmed that Capital One received my fax on XX/XX/XXXX, before the deadline, but informed that Capital One would not have resolved the dispute in my favor because I initiated it 60 days after purchase. 
Capital Ones dispute policy, linked above, does not say a dispute must be made within 60 days of purchase. This is unfair to me because of the long timeline for this purchase. It is not realistic to require me to initiate a dispute within 60 days of a purchase when the race wasnt even cancelled until almost 9 months after the purchase, and the ticket reseller has clearly not met their commitment to provide a refund within 60 days of XX/XX/XXXX. 

I have attached the 6 credit card statements from Capital One with the charges in dispute highlighted in yellow.
Consumer complaint received 2019-10-22
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. (FL)

Multiple names are reporting on my credit reports that are incorrect. My date of birth is reporting incorrectly on my credit reports. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Multiple addresses are reporting on my credit report that is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-07-28
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. (PA)

Transuion refuse to remove accounts from my report that was not authorized by me. The XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX Has been on my report for over 7 years and they still refuse to remove it off my credit report. Also there are several inquiries which I did not give consent to fringe upon my credit report those being XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, and XXXX
Consumer complaint received 2022-12-14
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. (AL)

Unlawful activity was reported on my credit report cause me to not have credit incorrect information was reported an Equifax by XXXX XXXX an XXXX XXXX uptain debt from me that I have no knowledge sents XXXX never have no knowledge about any account Equifax allow them report this on my credit report I requested that XXXX  XXXX an XXXX XXXX should be removed from my credit report due to cause me to suffer from bad credit they should be removed off my credit report XXXX not who reported this incorrect information reported me deceased illegally state someone reported me deceased I should half to go through this data breach I was exposed never received my settlement check from Equifax lease remove them off my report
Consumer complaint received 2019-08-28
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: EQUIFAX, INC. (NY)

That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Please remove this account from my credit report as soon as possible.
Consumer complaint received 2019-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im not 2sure Wht the fraud was but I do know most of Wht they though was my doin wasnt but there is still fraud on account tht they continue 2remain on account & I believe tht they should b off credit report as Im not doin anything 2fix the prob xcept dispute it. I need help fixing my credit report Wht can b done 2do tht?? Thanx
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-10-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

Navient calls are continuous and harassing, so much so that I will block the numbers and they will call using a different number. 
Calls will start at XXXX in the morning, weekends and XXXX at night. I will receive 8 calls or more per day throughout the day.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX to XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.