davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft. someone has opened fraudulent accounts in my name i have reached out to all three credit companies and submitted docs supporting i have no way opened up such account please help take csre of this.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX XXXX XXXX {$300.00}, FSTPROGRESS {$160.00}, XXXX {$7800.00}
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

I made a payment to XXXX XXXX XXXX for {$480.00}. XXXX XXXX XXXX initiated to other withdrawals one for {$1700.00} and another one for {$1100.00}. I immediately called the bank to dispute the charges. I was informed that I had to wait until the charges posted to the account. Once the charges posted to the account, I immediately called the bank. They started a dispute however they put the dispute in as fraud not unauthorized charge. Im thinking do a language barrier with the representative which appeared to have an XXXXXXXX XXXX.The initial claim was denied. I reopen the claim, and it was denied a second time. I reached back out to the bank explain the situation to them, and they open a second claim. That second claim was then denied based on the decision of the first claim. They refuse to reopen the claim or move forward any further. I contacted Visa corporate office, they instructed me to reach out to CFPB.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Fresh Holdings Inc (AL)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-07-25
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. (AL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( Section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (CA)

RE : Unauthorized Accounts/Inquires To Whom It May Concern : I recently reviewed my credit report and found unauthorized Accounts/Inquiries that are attached to this letter. I disputed these accounts on XXXX they came off due to violations listed on the bottom of this page. I would like to see the same for Experian XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have these three negative accounts on all three credit Bureaus. I've disputed an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX bank ) XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ) I have inquiries from on my credit report that did NOT get my written instructions & I have the right to privacy and confidentiality under 15 USC 1681. 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. XXXX XXXX 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 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paypal Holdings, Inc (FL)

PayPal XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear XXXX XXXX  XXXX XXXX, Thank you for your recent XXXX  request. We regret to inform you that after careful consideration, we were unable to approve your request at this time for the following reason ( XXXX ) : Modification of payment terms on loan ( XXXX ) issued by lender. 

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : Division of Depositor and Consumer Protection, XXXX XXXX XXXX  XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio XXXX XXXX XXXX administers compliance with this law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX The lender for PayPal Business Loan and XXXX  loan is XXXX. PayPal Business Loan and XXXX  are located at XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX. 
Copyright 2023 PayPal , Inc. All rights reserved.
Consumer complaint received 2024-10-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC (OK)

My loan was transferred from XXXX XXXX XXXX to Selene Finance around the beginning of XX/XX/year>. I got a phone number from XXXX for Selene Finance to call and make a payment. The number being ( XXXX ) XXXX. When I called the first time, an automated message told me that I had to wait until I received a letter in the mail with my account number on it. I received that letter XX/XX/year>. The letter told me to call the number above. I called a second time and was able to get a hold of a representative who submitted my payment on XX/XX/year>. I also created my account the same day and and it told me that my payment was received XX/XX/year>. A week later I received a letter saying that I have not paid my loan yet. My account says there was a processing error on their end and that it was denied and then the error was revoked, and it was processed again.. I then submitted a second payment online XX/XX/year>. I then received a letter XX/XX/XXXX saying I still have not paid my loan. I have tried calling approximately 20 times, was led in circles through their automated system, and was still not able to talk to any representative of the company. I have requested help via email to no response. In the 5 years I've had my mortgage, I've never been late and I've never had this issue with previous mortgage companies.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Scratch Financial, Inc. (TX)

I opened an account with Scratch Financial in XX/XX/XXXX. I have paid the monthly payments on time to-date. Their reporting of my account to credit bureaus showed I had only made two payments in XX/XX/XXXX and XX/XX/XXXX, which made my credit score diminish because it showed a high balance in XX/XX/XXXX and payments not made. 

I called Scratch Financial 7 times to correct the problem. I also filed a dispute with XXXX   and they contacted Scratch Financial. Scratch Financial had 30 days to reply and they did not, so, they were deleted from my account and my credit score decreased by 32 points on the day XXXX removed Scratch Financial from my credit file. I need Scratch Financial to correct the error, but they have not to-date, and I have been dealing with them for the past 3 months to correct their mistake of not reporting my loan account status monthly. Their lack of reporting correctly has already cost me a loan. My credit score dropped XX/XX/XXXX and has been -38 points ever since. 

Hopefully you can do something. I am building my credit and I have worked hard to pay these XXXX on time to grow my credit!
Consumer complaint received 2020-05-15
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. (AZ)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$240.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$190.00}
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (NY)

I am writing to file a formal complaint against Robinhood Financial LLC for unjustly freezing my account and withholding my funds without proper justification. This action occurred immediately after I attempted to transfer funds from my Robinhood account back to my original bank account on XXXX. This account freeze has left me unable to access my own money, which I had originally deposited with full trust in their platform. 
Approximately XXXX months ago, I transferred funds into my Robinhood account without any issues. However, when I recently attempted to transfer a portion of these funds back to my original bank account, Robinhood immediately froze my account. There was no warning, no communication about any alleged issues, and no valid explanation for this freeze. It seems Robinhood is perfectly happy to accept deposits from my bank account, but when I try to move my money back, they freeze my account without justification.

I have repeatedly contacted Robinhoods customer service, yet they have failed to provide any meaningful assistance or reason for the freeze. It is completely unacceptable and feels like I am being blocked from accessing my own funds without a legitimate basis. The only explanation they have hinted at is fraud prevention, but I have not been informed of any suspicious activity, nor have I violated any terms of service.

This lack of transparency and improper handling of customer funds is both infuriating and deeply concerning. I believe Robinhood is engaging in unethical practices by allowing money to flow into accounts but then restricting customers from withdrawing their own funds when needed.
Consumer complaint received 2024-07-25
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. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I sent a complaint regarding this issue why are you still not going anything regarding this issue I been sending my the dispute since last month here 's the lists XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year>
Consumer complaint received 2024-07-25
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  These Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently returned to the United States and checked my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and did not authorize. These inquiries have appeared on my Experian credit report as follows : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are unfamiliar to me, and I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. Given that I have been a victim of identity theft in the past, it is likely that these inquiries are fraudulent and not initiated by me. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these unknown inquiries be thoroughly investigated and promptly removed from my credit report. Unauthorized inquiries that are not related to a transaction initiated by the consumer are violations of my rights under FCRA 1681b. 

Please provide clarification regarding the purpose of these inquiries and take necessary action to resolve this matter. I request that you notify me in writing of the outcome of your investigation.
Consumer complaint received 2024-07-25
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. (CA)

In accordance with the Fair Credit Reportingact. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC-1681. 

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ACCT # XXXX ~XXXX XXXX XXXX XXXXXXXX ACCT # XXXX ~XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : XXXX ACCT # XXXX ~XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX ACCT XXXX * XXXX ~XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX XXXX # XXXX ~XXXX XXXX ACCT # XXXX 15 U S C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U S C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U S C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions or crimes which antedates the report by more then 7 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CA)

The company said I had a credit freeze, I called the credit bureau and they said I dont. When I called them back to tell them. Theres no freeze they ran my my credit without my permission. Now I have XXXX hard inquiries! From them and when call Im placed on hold and they said the supervisor will call me back. I never received a phone call back.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TN)

Dispute of Unauthorized Hard Inquiry 15 U.S.C. 1681n Violation I am submitting a formal dispute regarding an unauthorized hard inquiry that appears on my credit report. The details are as follows : Inquiry by : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX  Date of Inquiry : XXXX XXXX, XXXX Inquiry by : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX  Date of inquiry : XX/XX/XXXX I did not authorize these inquiries, and as per the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), hard inquiries require explicit consent for permissible purposes. This unauthorized inquiry constitutes a violation of the FCRA.

Please remove these inquiries from my report immediately. Failure to remove this unauthorized inquiry may lead to further action under 15 U.S.C.1681n, which provides for civil liability in cases of willful noncompliance with the FCRA XXXX 

I request a prompt investigation and removal of this inquiry. I would appreciate confirmation once the issue has been resolved. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phillips & Cohen Associates, Ltd. (NY)

Philip & Cohen Associates, LTD have called more than 5 times. They ask for a person. They are told that this number does not accept recorded calls and that the person is XXXX  XXXX. 

They then become belligerent, telling me to hang up. That they don't have that I owe money and am nothing but a loser. 

They are told each time not to contact this number but continue to do so a few days later. 

They are to cease and desist.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (TX)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.