davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (NJ)

I have a Robinhood account that Ive been trying to get in because of my password reset. For months Ive used all there ways to reset it but I dont get a call back or they dont send me the right link to fix it. Ive lost thousands of dollars because of this situation I have countless screenshots of errors on there behaves. Tried getting a real person to contact me nothing for months so disappointed on all the opportunities Ive lost. They keep sending me a link that goes no where.
Consumer complaint received 2022-12-27
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DL : XXXX Formal Complaint Regarding Unauthorized Access to Consumer Information To Whom It May Concern, I am writing to formally address a matter regarding inaccurate and unverifiable information on my credit report that TransUnion has failed to correct or delete, in direct violation of the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency, TransUnion has a legal obligation under the FCRA to ensure the accuracy and integrity of the information it furnishes and to delete information that can not be verified. 
Despite my previous attempts to dispute this inaccurate information, TransUnion has continued to report items that are detrimental to my credit standing. This failure to maintain accurate information has adversely affected my creditworthiness, resulting in both financial and reputational harm. 
Under Section 611 of the FCRA, TransUnion is required to conduct a reasonable investigation when a consumer disputes information, including verifying the accuracy and validity of disputed items. If TransUnion can not verify the accuracy of this information, it must be removed. Yet, my file continues to reflect information that remains unverified and inaccurate. 
To remedy this situation, I am requesting that TransUnion : Verify The XXXX XXXX listed on my credit file. ( EX.1 ) Immediately delete the inaccurate and unverifiable items on my credit report as required by law if not verified. 
Provide written confirmation that these items have been removed or corrected and if verified from where, along with an updated copy of my credit report ; Please treat this as a formal complaint, and consider it my final attempt to resolve this matter through administrative channels. Should this issue remain unresolved, I am prepared to pursue legal action to seek damages for TransUnions failure to comply with the FCRA. 
I expect a prompt response outlining the actions TransUnion will take to correct or delete the unverifiable information, along with assurances that such issues will not recur.
Consumer complaint received 2024-10-10
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. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (KY)

On Friday XX/XX/2022. I was received a email saying my credit card was charged for XXXX XXXX which I had not authorized. I called the phone number on the e-mail. They said they would gladly refund my money. went into my on-line banking then went to when I typed in the amount to be refunded I typed {$380.00} and they typed {$3800.00}. So then the said the money could XXXX transferred by using XXXX. XXXX would only transfer a {$1000.00}. The {$3800.00} was credited to my XXXX account and debit to my other account. He was going to call back on Saturday XX/XX/XXXX which he did twice I did not answer. I went to the bank on Saturday XXXX, XXXX  to check on getting the {$1000.00} stopped was told by the bank that they could not stop the payment. on the {$1000.00}. Went to the bank today XX/XX/2022 was told they could not close a account that a payment was pending. Account should have been closed on Saturday XX/XX/2022. 
Phone number I called was XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting D

ear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I would like to bring to your attention the following concerns and ask for your

prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UT)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

In XXXX of 2020 I sent XXXX, EQ, XXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to XXXX, EQ, XXXX through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block these items from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have XXXX business days to complete this request.
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (MD)

i have tried multiple times to have incorrect information removed from my account. Instead of removing incorrect information, Equifax keeps changing the status and not removing my complaints.
Consumer complaint received 2021-06-07
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: Kashable LLC (MI)

I tried to work with the company to settle the debt initially, and I was met with all kinds of unlawful practices and found the Kashable company to be a Predatory lender. I was forced to believe that I could afford the loan and in the event of termination of employment, they had insurance to help to continue to make payment for you that was included in your loan payments was told when I got the loan in XXXX of 2019. I found out that was completely wrong information when I was inadvertently terminated from my job in XXXX of 2019 I informed them of the termination and that I would like to use the insurance to make payments while I look for another job, the representative told me that no such insurance existed and that I was still responsible for the loan. I was completely misled by this company and would have never taken the loan had I knew they were a predatory lender. They used use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. when I got my stimulus check I had planned to use that to settle the debt as I was looking to purchase a new home during the COVID-19 pandemic and they kept moving the goal post further as I tried to settle during these uncertain times. This debt is affecting my credit on XXXX and it is showing 671  days delinquent. I would like to have this company remove this tradeline from my account as this is my last resort.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I deposited in my checking account number XXXX at Bank Of America that is opened under the name of XXXX XXXX XXXX, XXXX the check with number XXXX for the amount of XXXX dollars dated XX/XX/XXXX from XXXX XXXX. The check was deposited ONE TIME and the funds for the check posted ONE TIME to my account. 
On XX/XX/XXXX the amount of XXXX dollars was pulled from my account stating that the check was double deposited which is false statement.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for almost two months ago for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. I do online jobs for me to earn a living especially during this times of pandemic. Ive lost my job since last year due to retrenchment. This is the least way I could do to earn a living to fed my family. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-07-11
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. (TX)

Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2021-01-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

I am being charged roughly double for my taxes. Freedom mortgage is debiting {$1900.00} per month for my taxes which are {$6500.00} yearly. This could lead to approximately {$10000.00} more a year than needed by the township. All necessary paperwork has been submitted multiple times via email and fax for close to 4 full months. The continued response is we are working on it with no follow through. We have maintained timely payments but will not be able to maintain if this continues. Our quality of life continues to suffer because of the actions of freedom mortgage.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The following account has been disputed several times in reference to fraudulent activity, and also disbursement malfunction/ no receipt disbursed and error codes displayed. I am not responsible for the balance amounts or interest charges associated with this account. The fraud department was advised and also customer service. A debit card replacement was conducted and this matter continued at non bank locations that were near and miles from my residence. Credit reversals were conducted after disputes for fraudulent and or non disbursement of funds were reported. At this time Legal action is currently in process for this outrageous fraudulent balance and interest charges. I am not responsible for this balance of {$3000.00} for account # ending in XXXX.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

After many many times explaining to Experian and speaking with the special handling department explaining that these are fraud accounts and inquiries they have not done anything to delete these things from my report. Please help me get this issue resolved once and for all. Please review the attached information and delete this information.
Consumer complaint received 2020-07-06
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. (AR)

I AM SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY CREDIT REPORT THSE ITEMS NEED TO BE DELETED FROM MY CREDIT REPORT. XXXX XXXX   XXXX {$380.00} XXXX XXXX  XXXX {$1800.00} DPT ED XXXX XXXX {$6000.00} DPT XXXXEDXXXX XXXX {$2200.00}
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

On XX/XX/XXXX i disputed this bill with Consumer Financial Protection Bureau, and it was removed by Paragon Revenue Group. This bill was re-added to my credit report from you on XX/XX/XXXX for {$2500.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely, XXXX XXXX Previous Case from CFPB XXXX Also