davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (VA)

On XX/XX/year>, I reported a fraudulent charges on my apple credit card from experian. A customer service named XXXX was chatting with me and started the investigation. He asked me to charge my XXXX password and i told him i was unable to do since i was using my phone and couldnt remember my old password He told me the investigation might take 90 days and proceed to lock my account on my phone. Since i dont receive paper billing, my phone is the only way for me to make payment I have tried many times to log in, but the account remained locked. I assumed it was because of the investigation. I never receive any calls or correspondence from apple At the end of XXXX, I got a notification that my XXXX XXXX had dropped XXXX points due to a late payment from XXXX. I contacted customer service, who proceeded to inform me that a payment was still due even if the account is locked, and I was supposed to call them and make the payment. 
He unlocked the account, and i made the payment right away. I told them there was no way to make the payment since the account was locked and I shouldn't be penalized since they never called or unlocked my account. I contacted the credit bureaus to remove the late payment since it wasn't my fault, but they say only the credit card can. I contacted customer service and spoke to so many. agents so many times regarding retracting the late payment but nothing came out of it
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY ()

American Express customer services phones almost always after  XXXX . They most always never leave a message and when they have left one they ask me to phone them on a  XXXX  #. I live in a foreign country and can not phone   XXXX   XXXX   # numbers. They have my address, they know where I live and that I live in   XXXX   XXXX    as it is my address of record but yet they still phone me all hours of the night, disturbing my household and in violation of FDCPA.
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They have phoned 7 times since the  XXXX  of  XXXX . FIVE of these times were in violation of Federal laws as they phoned after  XXXX . Here are the the following dates and times :  XXXX    XXXX   2017 phoned at   XXXX   no message left  XXXX    XXXX   2017 phoned at   XXXX   XXXX   left a voice mail ( violation )  XXXX    XXXX   2017 phoned at  XXXX . no message left ( violation )   XXXX    XXXX  2017 phoned at   XXXX   XXXX  . no message left ( violation )  XXXX   XXXX  2017 phoned at   XXXX   XXXX  . no message left ( violation )  XXXX    XXXX   2017 phoned at  XXXX . no message left ( violation )   XXXX    XXXX  2017 phoned at  XXXX  no message left I kindly request that American Express be penalized for fragrantly violating the FDCPA.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/year> I requested for this information to be deleted due to Identity Theft. This account came back verified by transunion. Predator violates 15 US Code 1681c. Section ( e ) states shall not prohibit the disclosure of nonpublic personal information. Predator also violates 15 USC 1681a2 by furnishing accounts to my report without my written permission. Please remove this information of my report before I seek litigation.
Consumer complaint received 2024-09-10
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. (SC)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery LLC was garnishing my wages through the court. I paid in full, and my wages have been garnished twice now since the payment has been received, even after being informed that payment has been submitted. The company has had 12 business days to procure a release and has failed to do so.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (PA)

I have an account with Robinhood Markets , INC. On the XXXX of this month, they unveiled some new ways to invest. The day after on the XXXX and since then I have not been able to access my account or my money and the app that allows me to do keeps telling me, Sorry were experiencing a server error. I've emailed them numerous times because you can not reach them by phone. The only response I got was they received my email and they will get back to me ASAP. I have yet to get any kind of response from them to date. They have approximately $ XXXX of my money. I want to be able to access it ASAP or my attorney will be contacting them with pending charges.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (MA)

I got an email in regards to a remote job opportunity XX/XX/scrub> 2024. They said that Ive been selected to move forward in the hiring process. I was sent a form to fill out that I was told it will serve as the interview XX/XX/scrub> 2024. I was told I got the job and that someone will reach out to me via message for the next steps. Through text, I was told a training date and that I will be sent checks. These checks needed to be cashed by me and the funds needed to be sent from me using XXXX XXXX, XXXX and XXXX XXXX. I was told it needed to be sent by me because the in voice needed to be in my name. The money was intended to be for the work from home equipment. I was told I needed to send it to their selected vendor. I mobile deposited the check and sent the money XX/XX/scrub>, 2024. They then wanted me to send another check. By then, my mother informed me that this is extremely phishy and that I most likely got scammed. The checks bounced and I was out my own money. Ive been trying to get my money back with no luck.
Consumer complaint received 2024-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

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 2024-10-31
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX in XXXX XXXX, XXXX a friend and myself were dining at a local XXXX XXXX XXXXXXXX XXXX previous to getting there we were informed by associates working that there would be all you can drink for {$40.00} a person. When we sat down we were reassured that it would be {$40.00} a person to have unlimited drinks. After about an hour and a half we were ready to leave. At this point we had each had XXXX drinks, so XXXX in total. When the server brings over a check for {$300.00} we then try to discus the fact that he is overcharging us he says that its in XXXX  and that when it goes through it will be for the correct amount of {$80.00}. We were hesitant but we were restricted as we had to be back at the XXXX  in under an hour. At the time we thought that was true but when we got back to the states I checked my statements and saw that the amount charged was not the agreed upon amount. I tried to contact my bank and report the charge as fraud as the front had deceived us by straight up lying. Wells Fargo has since denied my claim stating that I need a receipt. They didnt provide one Im sure on purpose, as when I checked their local XXXX reviews they were flooded with people having the same experience. I then tried to reach back out to my bank, and show them all of this proof of other reviews to which they denied the claim again.
Consumer complaint received 2024-09-10
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-07-17
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. (OR)

I disputed a judgment and  XXXX  collection accounts on my credit report with each of the   XXXX   consumer credit reporting agencies :  XXXX , Equifax, and  XXXX .   XXXX   immediately removed the errors from my credit report and increased my credit score appropriately. Equifax removed the inaccuracies a week later but did not increase my credit score appropriately.  XXXX  would not let me dispute the inaccurate judgment online, I had to call and speak to several people, and finally was given the ability to submit my dispute over the phone. 24 hours later I received notice that the inaccurate judgment was removed but my credit score was not appropriately increased. I am still waiting for  XXXX  to finish their investigation of the inaccurate collection accounts and I was told over the phone that their process of investigation is simply asking the company that reported the information whether it is correct or not. They told me they do n't require any evidence, only a verbal confirmation and they do n't actually do any investigating at all. I was shocked and felt quite powerless hearing this news.
 XXXX 
I know the judgment caused my credit score to go down and I feel it should go immediately up after being removed especially since it was an inaccurate negative mark. I also know the same to be true with the  XXXX  collection accounts.
 XXXX 
I would like help getting my credit score appropriately increased right away after the inaccurate judgment was removed, and the inaccurate collections were removed. I do n't think it 's fair that I finally got the inaccuracies removed but they are not increasing my score with the removals. It 's already caused me to not qualify for my refinance loan and I am feeling powerless against Equifax and  XXXX  refusal to correct their inaccuracies.   XXXX    was the only reporter that appropriately increased my score with the removals.
Consumer complaint received 2017-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (AR)

I disputed multiple times this incomplete inaccurate false collection with Experian and requested investigation proof of wet ink signature no lawful results provided.
When requested verification validation letter via   USPS    certified mail the address provided per Experian to my surprise the letter came back undeliverable address, not a valid address, providing reports of false, inaccurate and incomplete info which is a violation of the fcra, not doing due diligence and not protecting consumers.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (OK)

Midland Credit Management sent my debt summons to XXXX XXXX XXXX on XXXX. XXXX responded bas with no deposits no account. There were no reasons why Midland Credit Management sent my information that was on the summons to a 3rd party I had no connection to. I feel my information was compromised. Also it was deceptive and unfair practice under the Fair Debt Collection Practices Act
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (GA)

Greetings, I have been a Robinhood user for the past 3 to 5 years. I initially started using Robinhood during the crypto surge in XXXX and became an avid crypto enthusiast. Over the years, I have used various crypto wallets, including XXXX and XXXX. Recently, Ive been using Robinhood more frequently due to its user-friendly interface. 

On XX/XX/XXXX 2024, I transferred over {$4000.00} worth of Bitcoin from my XXXX wallet to my Robinhood portfolio. During the transaction, I received an email from Robinhood stating that my account had been restricted due to suspicious activity, and I was instructed to call for verification. I immediately called and was on hold for about 45 minutes before speaking to a helpful representative, whose name I cant recall. We spent about an hour on the phone verifying transactions, uploading bank statements, and IDs. She explained that the account was flagged because I logged in using two different devices. I assured her that I had installed the app on both my work phone and personal phone, and there was no suspicious activity.

I expected this to be resolved quickly, but she informed me that it could take 2 to 3 business days for the review to be completed. I also let her know about the pending transaction coming into my Robinhood wallet, and she stated that although I wouldnt be able to withdraw the funds during the review, I could still transfer the funds to a different wallet once they arrived.

When the funds came through a few hours later, I received another email advising me to contact support to initiate a transfer to a different wallet. I did so immediately, but for the past three days, Ive been told I can not access my funds until the account restriction is lifted. This contradicts the email, which clearly stated I could initiate a transfer to another wallet to avoid losing out on funds.

I sincerely hope this message reaches someone who can assist me, as my experience with Robinhood over the past few days has been extremely frustrating. Please reach out to me at your earliest convenience.Thank you for taking the time to read my messageI look forward to hearing from someone soon.
Consumer complaint received 2024-10-31
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. (PR)

I am writing to dispute an inquiry appearing on my credit report dated XX/XX/year>, from " JPMCB CARD SERVICES ( Bank ). '' I do not recognize this inquiry, nor did I authorize any credit application or transaction with this institution around that date. 

Please investigate this matter and remove the unauthorized inquiry from my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (WA)

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 : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XX/XX/2020 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: U.S. BANCORP (NV)

I ORIGINALY MADE AN ADVERTISEMENT TO SELL A THINKSTATION ON   XXXX   XXXX   FOR {$2000.00} AFTER 2 OR 3 DAYS I WAS CONTACTED BY MY PHONE MESSAGE THAT THIS PERSON WAS VERY INTERESTED SO HE OFFERED {$50.00} EXTRA TO HOLD THE COMPUTER LATER HE SENT A CASHIERS CHECK FOR THE AMOUNT OF {$4200.00} TO COVER THE SHIPPING OF $   XXXX  .I DEPOSITED THE CASHIERS CHECK AT THE BRANCH AND I WAS TOLD THAT THE FUNDS WILL BE AVAILABLE NEXT DAY, WHICH WAS THE CASE.I ASKED TO MAKE SURE THAT THERE WAS NO PROBLEMS AGAIN. SO WHEN THE PURCHASER ASKED ME TO FORWARD {$2200.00}, TO THIS PERSON NAMED   XXXX   XXXX   IN TEXAS I DIDNT SEE A PROBLEM.I WAS TOLD THAT SINCE THERE WAS CASHIER CHECK INVOLVED AND THE BANK HAD 24 HOURS TO VALIDATE THE CHECK .THERE IS NO EXCUSE TO RETURN THE CHECK WITH {$19.00} TRANSACTION FEE PLUS MY LOSS OF $  XXXX .I TRUSTED THE BANK SINCE I AM NOT FAMILIAR WITH THESE CHECKS AND HOW THEY WORK.I AM NOT THE PERSON THAT MAKES THE DIRECTVE OR THE PROCEDURE ON HOW THE BANK IS A BANK. I TRUSTE THE VALID FUND AFTER THE BANK DECISION AND MADE THE TRANSFER. I THINK THE US BANK SHOULD BE LIABLE FOR BANK DECISION NOT ME SINCE US BANK DECIDED TO THE JOB AS A BANK NOT ME.
I THINK THAT THE US BANK SHULD BE RESPONSIBLE FOR MY LOSS OF {$2200.00} AND THE {$19.00} FINE.
I HAVE ATTACHED ALL THE DOCUMENTS I HAVE. MINUS THE POLICE REPORT THE I AM GOING THE FILE RIGHT AFTER THIS.
I HAVE A VERY SERIOUS COMPLAINT, I DOPOSITED THIS MENTIONED CHECK.I COULD NOT SEE THE IMAGE TILL IT WAS RETURNED. I COULD ONLY SEE THE DEPOSIT SLIP.
THE BANK DID NOT PROCESS THE CHECK PROPERLEY AND AS THE RESULT I HAVE LOST {$2200.00} AND {$19.00} OF FINE.THIS IS DUE TO THE BANK BEING UNDECIDED TO CASH THE CHECK OR NOT.IF THE BANK HAD MADE SURE THAT CHECK WAS OK TO HAVE AVAILABLE FUNDS OR NOT I HAD NOT LOST {$2200.00}.
THIS IS NEGLEGANCE OF THE BANK.AND I THINK THAT THE US BANK SHOULD HAVE A NEW DIRECTIVE AND PROCEDURE TO HOW TO PROCESS THESE CASHIER CHACKS SINCE ITS THE BANKS JOB TO DO THIS.
I AM CERTAIN THAT I AM ENTITLED TO BE COMPENSATED FOR $  XXXX .I WOULD HAVE NOT WIRED THIS MONEY OUT TO TEXAS IF I WAS NOT MISGUIDED BY THE BANK.
THEY SHOULD HAVE HAD AS MANY DAYS OF HOLD ON THE CHECK AS THEY NEEDED.I WAS NOT IN NEED OF IMMEDIATE CASH SINCE I HAD 6 TIMES THAT AMOUNT IN MY ACCOUNT.
THANK YOU.
Consumer complaint received 2024-09-10
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. (FL)

Hi my name is XXXX XXXXXXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.