davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: ROBINHOOD MARKETS INC. (CA)

I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed that it is reporting on my experience with your company. 



The line of credit I have with your company is characterized as utilization on my consumer reports. RobinHood XXXX! Card IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 



List Name of the accounts with high Utilization along with their account numbers. 



Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report.

THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Robinhood XXXX XXXX - XXXX ) Making the report is NOT INCLUDED on my Consumer report! 



THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Robinhood XXXX XXXX - XXXX ) Making the report is NOT INCLUDED on my Consumer report! 



Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Robinhood XXXX XXXX - XXXX ] who is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! 



YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 



You have 10 calendar days to update my utilization to 5 % or below or delete all Utilization from the below account/s Robinhood XXXX XXXX - XXXX Failure to respond satisfactorily with deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: COLUMBIA BANKING SYSTEM, INC. (OR)

XXXX XXXXXX/XX/XXXXumpqua bank XXXX XXXX XXXX XXXX mortage but it say external XXXX XXXX i log in want to look at statement cant never click in the date when i want to change setting it say it will go back the what it was i cant change my phone number XXXX recieve 2 debit card activate none of them it work it say unvalid cvv not macth with the card link bank and then get kick out XXXX just recieve the card but card loom like it been use not like a new card call the customers service it direct me to different number and sent me around withouf asking for my info XXXX are the same as the other 2 i cant change any of my profile specially when i change the address or phone it kept jump the white page and freze up
Consumer complaint received 2020-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2020 someone hacked into my Chase Bank account, transferred {$1200.00} from my savings into my checking account then via XXXX electronically transferred two payments of {$630.00} and {$830.00} to a person purportedly named " XXXX XXXX ''. I typically check my accounts daily and did so on that day at about XXXX XXXX. I noticed these transactions and immediately changed my passwords and next contacted Chase. The only thing they could do at this point was lock my accounts and I was told to call back the next day. It seems at this point they could have reversed the transactions but by morning the next day it was too late. I proceeded to close this account and open another. They did on the XXXX reverse the transactions and proceed forwarded with an investigation. ON the XXXX I received a message from them that stated these transactions were " processed correctly or were authorized '' and as a result, they will be removing this {$1400.00}. from my account on or later than XX/XX/XXXX and have closed the claim. I on the XXXX called and was it was confirmed by an agent and her supervisor that this is what they would be doing and there is nothing I can do about it. I did not do any of this but they have deemed NO fraud was committed. They have on their record which bank this was paid to but say they can research nor investigate further since their determination is that no fraud was committed. They do have the phone that this money was transferred to but I have called several times and gotten through to voice mail only. I do not know what to do next in recovering my money.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DIGITAL FEDERAL CREDIT UNION (GA)

To Whom It May Concern, I am writing to lodge a formal complaint against Digital Federal Credit Union ( DCU ) concerning an issue that has not only caused me significant inconvenience but has also led to a misleading representation of my financial standing with the institution. On XX/XX/year>, I discovered that my account had been locked, preventing me from accessing my online banking, following a single missed payment. This action taken by DCU was not only drastic but also lacked the provision of adequate resources or options to regain access to my account. 

Furthermore, upon contacting DCU to address this issue, I was informed that my account was reported as being 59 days past due. This information is factually incorrect and grossly exaggerated, as the actual duration past the due date for my payment was merely 10 days at the time my account was locked. This misrepresentation has caused undue stress and potential harm to my credit reputation, as it inaccurately reflects my financial behavior and reliability. 

The lack of communication and support from DCU in this matter has been deeply troubling. Not only was I not provided with any prior warning that my account would be locked due to a single missed payment, but the subsequent inability to access my own financial information or make immediate rectifications has placed me in a precarious financial situation. 

This situation raises serious concerns regarding DCUs practices in handling account delinquencies and customer communications. It is imperative that financial institutions operate with transparency, accuracy, and fairness, especially in matters that can significantly impact a customers financial health and access to their own money. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Membership number : XXXX
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Andreu, Palma & Andreu, PL (FL)

A company named Andreu, Palma, Lavin, & Solis has served me and is suing me for a debt they bought from XXXX that is XXXX XXXX XXXX and what I believe is identity theft as I do not recognize the debt. Someone made a mystery payment in XXXX of XXXX  so that they can reopen the case. This appears to be a gross violation of my FDCPA rights as I read them. This company appears to be the ambulance chasers of debt collection. I have found several complaints from the XXXX  and several lawsuits related to shady collection practices. If my only option is to go to court I will, but I would like to sue them for violation of the FDCPA.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Reporting act XXXX  # XXXX, has violated my rights. 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 an account without my written instructions.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OR)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


XXXX XXXX has never contacted me in regards to sharing my personal information nor have they ever given me any information on how to opt out i have requested XXXX XXXX to remove the charge offs and the late payment information from my consumer report multiple times as that is personal information and they have yet to comply with anything i have asked of them but now i know they are directly violating my rights. Then remedy for this is for XXXX XXXX  to remove all charge offs from my consumer report as well as all late payment information repossessions of any kind as it all falls under personal information
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (CA)

I am being taken advantage of as a consumer by Early Warning. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX I purchased two airline tickets ( XXXX XXXX ) and paid with my debit card ( Capital One ). The correct XXXX charges appeared, posted XX/XX/XXXX in the amounts of {$540.00} and {$540.00}. But in addition to that, another charge for the total amount was listed as pending : {$1000.00}. On XX/XX/XXXX, I called XXXX XXXX, and they said it was the bank 's issue. I called Capital One, and they said it's coming from/initiated by XX/XX/XXXX merchant hold until XX/XX/XXXX, and there is nothing they can do to release it. I called XXXX XXXX again, and apparently, nobody can do anything about it, but meanwhile, they have tied up over {$1000.00} of my money for a week! And there was no notice or indication this was going to happen. ( If I had automatic payments on this account, then all kinds of other transactions would have been declined, etc. Luckily, I do not. ) But it is not right that these large companies can keep tossing the ball back and forth, and nobody can do anything about it. They should not tie up my money for a week, especially with no notice on the website before I completed the transaction.
Consumer complaint received 2024-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NM)

Around XX/XX/XXXXI set up a new account for my loan that was transferred to Newrez LLC ( c/o SHELLPOINT LLC ).

Around XX/XX/XXXX, my loan was transferred to Newrez LLC from XXXX. I was not able to log into my account to pay for the XXXX payment. I requested this be escalated to Information Technology for resolution. 
Due to the difficulties, I made a payment by phone using the automated voice system. 

Weeks later, I was still not able to log in, and requested again that this be re-submitted for resolution. I was not contacted and the issues persisted. 

On XX/XX/XXXX, I decided to mail in my payment ( due XX/XX/XXXX ). This payment did not post until XX/XX/XXXX, one day late. I felt the payment was mailed with ample time.

I did not want to use the pay by phone system.

On XX/XX/XXXX I mailed the payment in for XXXX ( due XX/XX/XXXX ). On XX/XX/XXXX I received notice that they have not received my payment. I checked my online bank statement, and it the check had not cleared. At this point, I used the pay by phone system and submitted a payment for XXXX. I did not get any receipt for this payment. 

On XX/XX/XXXX I checked my bank balance and the mailed check has cleared. There is no record of the payment I made by phone. 

I feel that there is a problem with the payment processing at SHELLPOINT LLC including mail, phone, and other areas not yet explored, like the online payments I am planning in the future.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Inaccurate address reported, Inaccurate names reported. Continuous validation of debt requested to include original debt owed, contract agreement, verification of identity on file, interest attached to debt, contractual agreement signatures by me. Proof of copy of Identification due to Identity theft, Inaccurate reporting with co loan without my consent. I requested these thing be mailed to me and upon Debt validation several times and advised I would discuss the debt being reported and possible resolution. They could not mail me anything for debt validation because they have no accurate new information on file. Please see your notice Last Mailed Certified XX/XX/ Todays date - Friday, XXXX XXXX XXXX No response. Please remove from XXXX XXXX and XXXX. 


The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within XXXX  days of their first communication with you, and it may be sent by mail or electronically.

This information will help you recognize whether the debt is yours and, if not, how to dispute it.

This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a XXXX period when you can dispute the debt
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (OH)

I had a account with XXXX XXXX company. It has been over 10 years and they are still trying to collect XXXX from me and they keep going through different collectors its currently with I C systems I tried to dispute it but they are telling it hasnt been 10 years which in fact it has been. XXXX keeps giving different collectors my account.
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

On XX/XX/2021 I attempted to pay my bill online, by automatically linking to my XXXX XXXX checking account. 
The citi automated linking portal was not working, and I was unable to do it automatically. 
Instead I was forced to enter my XXXX XXXX bank info manually. 
Few days later, I received notification that Citi was unable to complete the payment. 
I again tried to submit it - again, automated linking did not work. Again, submitted it by manually entering the same bank info as the first time around. 
This time, the payment posted successfully. 
However, I was hit with {$29.00} returned check fee. 
I tried to resolve it with Citi, and my reasoning was, that hypothetically, it's possible to make a mistake when you have to manually enter you bank routing and account number, even if you do it as cut & paste, and that had their linking software worked, I would not have encountered this issue in the first place. 
It was all falling on the deaf ear, and the only response I got was 'we are unable to waive that fee '. 
This is not right. I entered the same info the second time and it went thru. They can tell me which info was received by them the first time, and why it was rejected. 
But bottom line- a customer should be able to automatically link their account, and if that was case, this would not have happened. Given they have an issue, I do not believe this is right that they are charging me that {$29.00} fee.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (FL)

THIS IS AN INSURANCE BILLING ISSUE. MY INSURANCE PLAN PROVIDER FROM PREVIOUS EMPLOYER WAS XXXX. I WAS ASSIGNED TO XXXX AS MY XXXX. THEN AT YEARS END TO XXXX. DURING THE SWITCH OVER MY MEDICAL PROVIDERS GOT THE BILLING MIXED UP AND MY EOB WRONG! I WROTE TO XXXX, WHO ASSIGNED A MANAGER TO INVESTIGATE. SHE CONTACTED SOUTHEAST ORTHOPEDICS ABOUT THE MIX UP. PROVIDED THEM WITH THE CORRECT EOB AND BILL AMOUNT. WHICH I PROMPTLY PAID IN FULL! SENT SOUTHEAST ORTHOPEDICS A MESSAGE CORRESPONDENCE VIA MY HEALTH PORTAL WITH A SCREEN SHOT OF THE BILL I PAID IN FULL. THEY IGNORED THIS AND CONTINUED TO BILL ME THE INCORRECT AMOUNT. AND THEN REPORT IT TO A COLLECTIONS AGENCY! MY WIFE AND I HAVE STRUGGLED VERY HARD TO ACHIEVE AN EXCELLENT CREDIT SCORE AND AS WE ARE IN THE PROCESS OF PURCHASING A NEW HOME... THIS NEGATIVE REPORT HAS AFFECTED OUR CREDIT SCORE AND REPORT!
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NY)

Assetcare LLC Did not Provide me with a HIPPA release that releases my medical information to them, They are violating the law and my rights. I requested this release form more than 30 days ago and they have yet to respond to my request but, continue to report this medical collection onto my credit device.
Consumer complaint received 2019-06-07
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. (ID)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

XXXX conducted a credit inquiry on my credit without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.
Consumer complaint received 2019-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/2019 I received notice of bill for {$27.00}, they claimed was due. I disputed the bill ( I could find no record of ever charging any to the account number XXXX- XXXX in the name of XXXX. ). The conversation was going nowhere, so I decided to just paid the account and close it ; which I did following their online program ( or so I thought ). The check issued, # XXXX to PayPal Credit  was mailed it on XX/XX/XXXX ; PayPal Credit, XXXX. XXXX XXXX, XXXX, NC XXXX and it was processed at my bank on XX/XX/XXXX. On XX/XX/XXXX I received a notice that I owed {$57.00} for the previously unpaid {$27.00} plus interest and a {$25.00} minimum service fee. I have tried every avenue to correct the situation using and following the instructions on their website. This has involved contacting their collectors by phone, text, email, virtual assistants, and live chat, All live phone conversations ended in a 20-30 hold with a disconnect or simply referring me back to a collector. I have had to wait for return contacts by phone that has never come. Now I have received a bill for {$96.00}. I am XXXX years old and have health issues and can not keep dealing with these individuals, so I am paying the {$96.00} and trying again to close the account.