davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (CA)

Today XX/XX/year>, I was informed by Robinhood that my crypto account is no longer be supported to open new crypto positions or deposit crypto to my account. I can still be able to close and transfer out. However, I have tried to transfer out but it won't let me do, saying my balance is XXXX and there are some restriction placed on my account. There is no warning or head up regarding what operation I did triggered this and what I did is pretty normal, just deposit from bank and buy crypto. This sudden changes really caused a panic on me and Robinhood said it is a final decision, which really doesn't make sense to me, this is my personal belongings and I can not even transfer out?
Consumer complaint received 2024-10-15
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. (GA)

JPMCB card XX/XX/XXXX did a credit report without my consent and XXXX XXXX did a credit check with my consent XX/XX/XXXX XXXX XXXX did a credit report without my consent XX/XX/XXXX and XXXX XXXX place ran a report without my consent XX/XX/XXXX I didn't give these companies consent to run my credit report
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC (IL)

I previously informed the company that I did not authorize this transaction. Despite this, I have continued to receive persistent inquiries regarding when I intend to make the payment. I request that the company cease these requests and address this matter appropriately.
Consumer complaint received 2024-08-27
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. (NY)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (IL)

In XXXX, I inquired about getting a copy of my title after being told I had a rebuilt title after trying to trade in because of recent electrical issues with my vehicle.

I had no idea my car had a rebuilt title, if I had known, Id never refinanced.

So the company One Main Financial provided me with
two copies of two titles one not mentioning my car title being rebuilt and another title saying it is rebuilt?

Because of this I can not sale my car or trade in, my car has major electrical issues which would cost more than I owe.

I was told by a One Main financial employee to apply to refinance and I did so on XX/XX/XXXX, and I was denied and discriminated against due to low income, though my current payment is {$450.00}, and I was told by an employee at One Main Financial, I could refinance and pay lower than that which is the only reason I attempted to refinance.

I would greatly appreciate some type of relief from this situation!
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (TX)

THE FINAL PAYMENT OF {$120.00} FOR CASE FILE # XXXX TO RAUSCH STURM LLP ON BEHALF OF XXXX XXXX XXXX XXXX. 
THE PAYMENT WAS SENT VIA PRIORITY MAIL ( XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX ( XXXX ). THE MONEY ORDER WAS CASHED BY RAUSCH STURM OR XXXX XXXX XXXX AS OF XX/XX/year>. 

AFTER COMPLETING THIS PAYMENT, MY ATTORNEY ADVISED ME THAT THE COMPANY RAUSCH STURM LLP WOULD SEND ME A SIF LETTER 10 DAYS AFTER THE COMPLETION OF THE PAYMENT TO SENT TO ALL CREDITORS TO UPDATE MY CREDIT FILE WITH EACH BUREAU THAT THIS INFORMATION HAS BEEN REPORTED. THE SIL ( SETTLEMENT IN FULL ) LETTER HAS NOT BEEN RECEIVED FROM THIS CREDITOR MARKING THAT THIS ACCOUNT IS NOW CLOSED AND SETTLED AS AGREED.
Consumer complaint received 2024-10-19
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Lending Services LLC (IA)

2 calls were placed on XX/XX/year> and XX/XX/year> to my wifes ex husband. He messaged my wife on XXXX XXXX  as they have had no contact for over 10 years. But the crazy thing is the phone calls weren't asking for her or to reach her it was to reach me. XXXX who has NEVER had contact or history with him at all. XXXX who is not on the paperwork at all... who has nothing do to with this vehicle let alone nothing to do with me. For you to contact him was a failure and breach on your side as a 3rd party contract that should of NEVER been done. I and my wife are beyond livid as this caused MAJOR stress for her while she is XXXX  having someone whom she's had NO contact with message her to let her know a collection agency is calling for her HUSBAND.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

JEFFCAPSYS XXXX Re : Cease and Desist Notification Dear Jefferson Capital This letter is to formally notify you to immediately cease and desist from unlawful activity, e.g., harassment, defamation, copyright infringement, etc. Your actions, as outlined below, are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection, and failure to comply may result in legal action. 

On XX/XX/year> this was reported on my consumer report. 


Dispute of the Debt : I dispute the validity of the alleged debt. Under the FDCPA, you are required to provide written verification of the debt, including the original creditor, the amount owed, and any supporting documentation. I request that you provide this documentation within 30 days of receiving this letter. 

Cease All Communication : In accordance with the FDCPA, I request that you cease all communication with me regarding this debt. You are prohibited from contacting me, my family, or my employer by phone, mail, or any other means. Any further communication must be in writing and only to provide the requested validation of the debt or to notify me of specific legal actions you intend to take. 

Please verify this and remove inaccurate from my consumer report immediately. 


You are hereby ordered to stop these activities immediately. Failure to do so within 30 days will result in legal consequences, which may include seeking damages, an injunction, and any other remedies available under the law. 

This letter serves as a formal demand to cease these actions immediately. It does not waive any rights or legal remedies that may be pursued in the future, all of which are expressly reserved.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Northern Trust Company, The (CA)

Recently while cleaning old papers, I came across a check from Northern Trust for {$1100.00} that was sent to our address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and which was to be paid to the order of XXXX XXXXXXXX XXXX. The check was dated XX/XX/year>. There was no endorsements on the back of the check. 

Background : This was a bank to bank transaction. 
I had remitted the money from my XXXX XXXX XXXX account to my XXXX XXXX in XXXX. 
Based on my intuitive understanding, I think that this transfer went through Northern Trust which was an intermediary at the time. 
For some reason, Northern Trust issued the check to XXXX XXXX services but sent it to us. 
Unfortunately, we were busy with home remodeling at the time and did not follow up with Northern Trust to understand why they had sent us the check. 

We recently came across this check and as a follow-up, 1. I called the number XXXX XXXX XXXX XXXX provided on the check. It is a bill-pay support service. They could not provide any help. 
2. I called Northern Trust based on information from the web but I reached their investment arm. They could not help and the person I spoke with told me that he was not aware of any department within his company who dealt with such transactions. 

As the money has already been withdrawn from my account at XXXX ( confirmed ) and has not reached XXXX, I trust Northern Trust is still holding the {$1100.00}. 

Currently, I have no idea on who to talk or how to resolve the issue. 

I will greatly appreciate your help in resolving this issue. 

Thanks
Consumer complaint received 2024-08-19
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. (NV)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Consumer complaint received 2024-10-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On Sunday XX/XX/scrub>XXXX XXXX XXXX vI deposited {$4000.00} cash at Huntington Bank located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The machine could not " read '' some of the XXXX dollar bills. I replaced those bills with newer bills. Another error popped up stating the message again. I then proceeded to replace the bills again. A message appeared said to contact your financial institution. A message also appeared on the screen stating that the cash was being taken in. No receipt was provided from the ATM. Nor did I receive notification on my phone as I usually do when making a deposit or withdrawal. I also deposited {$1000.00} dollars immediately after the incident and received a receipt from the ATM along with a notification from my phone.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (AL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off 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
Consumer complaint received 2024-10-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC (OH)

I am refinancing this loan. My title company requested a payoff on XX/XX/year>. I have called several times to request a payoff and I feel like I am getting a run around. I have since called them several times and I keep getting told " fees are calculating ''. My approval is only good for a certain period of time. I have asked to speak with supervisors or anyone who could escalate my situation but I have been denied.
Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (NV)

XXXX XXXX, employee number XXXX from iq data international called me around XXXX pm and tried to collect a debt owed. When I explained to him that I am going through a lot and can not pay he refused to listen so I hung up. He then called me back immediately and started to harass my partner. Before he hung up he said " I'm sorry to whatever happens to you and your wife '' When we called back a few minutes later to get his info, he picked up again and started verbally harassing and threatening my partner again saying " okay then we can just go ahead and put this on your credit ''
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I do not believe I owe what you say I owe. In accordance with section 609 validating debts of fair credit collection practices act and also section 623 ( 15 usc 1691s-2 ) responsibility of furnished information I respectfully request that portofoilio recovery provides in wroting the following What the money you say I owe Identify the original creditor Copies of any paper that showed I agreed to pay you with a wet signature Proof that you are licensed in my state to collect this debt Be advised that I am fully of my rights under the fair credit reporting act. If you do not verify this debt I demand you immediately delete from every credit bureaus. Reporting information that you know is null and void once the company charged off as a loss in which the company forfeit any monies and you must get information from the trust who owns the debt of failing to report information correctly violates the fcra 1681s-2 violation 15 usc 1692e ( 11 ). You do know once the
Consumer complaint received 2024-10-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company (VA)

I received your response from Freedom Mortgage that said the they did not recognize me as a customer. Really? They have held my current mortgage after they purchased it several years. Since that loan is current, where have the loan payments gone? Should I stop paying them since they don't recognize me as customer? The last thing I heard from Freedom Mortgage ( XX/XX/year> ) was they determined that the loan paperwork, that they produced, was a mess, so the loan is on hold until they can do an internal audit. So far ( XX/XX/year> ) they have not so communicated with us. Since you fined them {$3.00} XXXX dollars for improper paper work, this seems to be a continuing problem with them. What should I do? Refinance with another company? Seeing their rating and reading customer reviews about failure to pay property taxes they collected and failing to pass on home insurance payouts, I really don't really want to do business with them. But having already paid some of the closing cost I don't want to get stiffed out of money!!!
Consumer complaint received 2022-12-04
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. (MI)

I recently sent a dispute stating that they are reporting inaccurate and unknown information on my credit report. To this day they still have not removed it and I am attaching proof that it is totally inaccurate reporting. I am furious this is still on my credit report. I also have been seeing big lawsuits against these guys which is a big concern and I am ready to file for litigation if they do not remove after this. They are violating multiple laws and I never heard of half of these accounts they are reporting nor gave them permission to put it on my report. 

I have pretty familiar with Fair Credit Reporting Act and consumer law and will list the violations. 

These are the accounts that still must be removed. 

1. XXXX  XXXX Acct # : XXXX This account is not mine and it has different information across the bureaus and I am attaching proof. 

2. XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached XXXX. XXXX Acct # : XXXX Never even heard of this company and they are all reporting different information and it must be removed. Proof attached 4. XXXX XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached THESE ARE THE LAWS THEY ARE VIOLATING 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. 

I understand they are in a lot of heat right now and all I am asking is that they finally remove these unlawful accounts reporting so I can acquire credit as this is hindering me. I am filing with CFPB to document all of this if I have to file for litigation.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

Debt Validation Request SYNCB/CARE CREDIT SYNCB/XXXX XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : XXXX. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action. 
XXXX. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company. 
Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days. 
Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

There is a XXXX reporting on my credit report, These XXXX is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! How can you it was verified? I am telling you that these XXXX are not mine! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2023-10-05
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: CITIBANK, N.A. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. 
XXXX, XXXX. XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.