davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (MS)

I need to re-document and refile this grumbling to PROCOLLECT , INC . I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2024-06-05
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: EQUIFAX, INC. (LA)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

I paid {$3500.00} on XX/XX/year> electronically form my personal bank account. My bank reported it sent and deducted form my account the following day, XX/XX/XXXX. Bank of America, who is holding my loan, has still not credited my account with this amount. Trying to reach someone at the bank is impossible. The phone system is only automatic, you can't talk to a person. I have sent 3 emails but they give themselves 5 days to respond. That is too long! BOA has deposited this into their account and has been benefitting for over a week at this point. This is wrong.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TN)

I opened the new Citi XXXX XXXX XXXX with a sign up bonus of XXXX XXXX Points for spending XXXX USD within 3 months of account opening. 

My card arrived around 2 weeks after opening the account, I could spend around XXXX USD within the first week after I received the card. My credit limit is more than twice the welcome bonus, so it covers all my transaction. However I experienced multiple times a declined transaction. So far a total of around XXXX USD in my transaction made and authorized by me was declined by the issuing Citibank. 

Right know my card is completely locked against my will by Citibank due to " security '' concerns. I called in multiple times and authorized me successfully multiple times by several different types of identification. I total I already spend over 30 hours in the hotline because my card was declined XXXX to " security '' reasons. For all the declined transactions I could use a different credit card from a different bank without any issues.
Consumer complaint received 2024-06-13
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: TD BANK US HOLDING COMPANY (GA)

HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : XXXX XXXX XXXX XX/XX/2023 TD AUTO FINANCE XX/XX/2023 XXXX XXXX SERVICES XX/XX/2023 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

I was accepted into the Borrowers Defense ( case # XXXX ) as my graduate school which closed suddenly was part of fraudulent practices. Although my loans were forgiven due to public service, I still made over 10 years of student loan payments that are due to be refunded due to the XXXX case. I asked Navient for a school misconduct application for a refund on my one private loan, but was denied as I already paid off the private signature student loan ( under significant hardship to do so ). I believe my payments for this one private loan by XXXX should be refunded as it was taken out to pay for XXXX XXXX school with misconduct action against it due to fraudulent practices. They are forgiving the private loans of those that attended schools with similar claims, but I dont I think should be penalized for paying my loan off already.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (AL)

I am writing to complaint to VERVENT/XXXXXXXX XXXX XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

XXXX XXXX XXXX Consumer ID- XXXX Date of Birth:XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX Florida Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX Account # :. XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account : # XXXX Routing # XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request Thank you for your tremendous assistance Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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. (GA)

Under the Gramm Leach Bliley Act I have the right to opt-out of getting my non-public information shared with non- affiliated party. Experian, XXXX and XXXX are non-affiliated Third parties. XXXX and XXXX have violated my rights by sharing my personal information along with inaccuracies by XXXX, XXXX and Experian are not affiliated with any financial institutions. They have violated my rights with not providing me with an opt-out disclosure. As a consumer I have a right to privacy and also I have a right to opt-out of getting my non-public information shared with Third parties. I have disputed these claims from all three bureaus with a certified letter and Experian has sent it back as being verified. However, has not provided any information on who it was verified with despite alleged debt being inaccurate.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Aldous & Associates, PLLC (NC)

Back in XXXX have seen the XXXX XXXX XXXX on my credit report stating that I owed {$10000.00} in fees for an apartment that Ive never lived in. I immediately contacted them by phone no response, I drove there to speak with property manager I had no help everyone there was nasty had attitudes. I asked for the paperwork on the apartment to see how was this affecting my credit, they told me they couldnt provide any paper work I would have to come back at a later date. After that I seen it had disappeared off my credit, as of XX/XX/XXXX I seen they tried to charge me {$8600.00} for this same apartment that Ive never leased.
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (CA)

My loan was sold in XX/XX/2023 to a new mortgage servicing company called RoundPoint Mortgage Servicing ; it included an escrow account to pay for taxes and insurance on the property. Policy premiums for my property are due on XX/XX/XXXX each year. While I was on vacation out of the country my premiums became due, I received an email from my insurance broker stating that my XXXX XXXX was canceled on XXXX because the renewal premium payment was not received or not received in good funds on or before the payment due date listed on the renewal premium due notice. A new application for coverage may be submitted. I received the same notice from my home owners insurance broker. I was forced to call my employer and ask them to pay the premiums on my behalf. thank XXXX they did. 
In order to contact XXXX ; you have to email for a phone appointment. It took them over a week to call me back ; again ; I was out of the country on vacation and I got the call while I was in a cab. Upon returning to the XXXX ; I emailed them again for a call back appointment to request them to cancel my escrow account. I was told to email the request form so they could " review '' it to see if I was eligible to cancel the escrow account. What's to review? I asked. You're not paying my premiums! I'm awaiting a response.
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (PA)

On XX/XX/year>, I had my phone stolen which led to the thieves hacking into my Robinhood account. I tried to contact Robinhood after this incident, but it was basically impossible since I could not access my Robinhood app. I also tried to have Robinhood call me back by asking my friend to use his Robinhood app to call me back, but this was also not successful. I then emailed on Robinhood on record XX/XX/year>, which was never responded to. I tried to email again on XX/XX/year> by writing in capital letters in the subject line " HELP! FRAUD ON MY ACCOUNT AND NOBODY IS ANSWERING! '' and finally, Robinhood was able to respond back to me. However, the process I felt was going around in circles as they could never resolve a number of my concerns. The concerns include : - Fraudulent crypto transactions which happened immediately after my phone was stolen in XXXX. Robinhood never reversed these trades and my concern is that I will have to pay unnecessary taxes for these transactions.

- Robinhood Gold subscription payments which the fraudsters subscribed to. I never received refunds for these transactions.

I would like a concrete response related to the events above.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO Bank, N.A. (IL)

There was an error, resulting in the wrong routing and account number being entered on my electronically filed XXXX XXXX tax return. 

The {$580.00} refund was sent to routing # XXXX and account # XXXX on or around XX/XX/XXXX. 

This is not my account. I do not have an account at XXXX. My name or social security number is not associated with this account. 

The XXXX Department XXXX XXXX XXXX XXXX " If incorrect banking information is provided to us, the bank will reject the refund. Once we receive the refund back from the bank, the XXXX XXXX XXXX will issue a paper check and mail it to you '' The state of XXXX provided me with a tracer # XXXX for my refund. 

After spending hours on the phone being run around to different departments and phone numbers, I was told nothing could be done. XXXX will not return the refund to the XXXX 's XXXX.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hodosh, Lyon & Hammer, PC (RI)

On XX/XX/XXXX the law firm of Hodosh , Lyon , & Hammer , Ltd. filed a civil book account in the XXXX Division District Court of XXXX XXXX  The law firm was retained by XXXX XXXX XXXX who was sent a debt I apparently owe to XXXX XXXX XXXX XXXX The debt is a credit card debt. According the the court documents the original line of credit was extended to me on or around XX/XX/XXXX. No supplemental documents have been made available from XXXX XXXX via the law firm regarding when XXXX XXXX was originally assigned to collect the debt. On XX/XX/XXXX a summons was filed with the court which I answered on XX/XX/XXXX. My answer was filed with the notarized, filed with the court, and a copy was mailed to Attorney Hammer at his office. I also filed a notarized cease and desist letter and mailed a copy to Attorney Hammer. That letter gave him XXXX ( XXXX ) days from XX/XX/XXXX to cease and desist collections activity. The reasoning for such is that I am unemployed, and have a pending XXXX case for permanent XXXX. I'm also in the process of filing bankruptcy to settle my debts, and have a XXXX attorney for this. On XX/XX/XXXX, just over a week past the 30 day mark of the cease and desist, Attorney Hammer filed a motion for a summary judgement with the court. Seeing as how I have no wages to garnish, and will likely be on XXXX, and the cease and desist was violated, I have no choice but to file this complaint against Attorney Hammer and his firm. I responded with my objection, filed with the court and mailed to the attorney today XX/XX/XXXX.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (ID)

My mother put me on a Wells Fargo credit card account that she had without my knowledge and she missed XXXX payments 130 days late 160 days late and my credit score has dropped over XXXX points and I cant buy anything on credit now I never signed anything or gave permission.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (AL)

I set up arrangements with Santander uSA and they did not allow me to start making payments before repossession.I was told that I could start making payments the next payment date and that I could keep the car but they repossessed instead and still harassed me for payments every day
Consumer complaint received 2023-10-19
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: EQUIFAX, INC. (TX)

I've been writing XXXX, XXXX and Equifax since XXXX, XXXX, XXXX, and XXXX and none of them responded to my letters. I'm doing this process right now to see further results of my disputes concerning those inaccurate accounts that they've put into my credit report.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (MA)

I am being sued by a lawfirm in WI for a very old debt that is no longer in my credit reports. It was cleared many years ago. This account was paid and cleared from all credit reports. 

Ive received many unknown phone calls with silence at the other end. I do not know who is calling me, but I receive multiple calls per day every day for years now. 

I have received over the years since this account was closed from all of my credit reports, debt collection notices from a company named XXXX XXXX XXXX. on this one account. 

As of XXXX XXXX, I received in the mail a new letter from a law firm representing XXXX XXXX XXXX. The law firms name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX. They are requesting XXXX for my person with respect to a debt that closed many years ago from my credit reports of which I have no information on. 

The original creditor : Citibank ( XXXX XXXX ) Account No. : ( Listed in Attachments ). 
Their Case Number : ( Listed in Attachments ). 

Their Account Balance : {$690.00} This law firm has filed a case in the ( Listed in Attachments ) -District Court, dated XX/XX/year> Docket No. : ( Listed in attachments ). 

Request for Production of Documents filed in court. This law firm is illegally filing on an account that closed many years ago representing what is a debt collection company, and this account is not in any of credit reports. This is illegal. This law firm needs to be reprimanded for such illegality. The statute of limitations is 6 years ( CH. 260 Section 2 ) in Massachusetts.
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Porfolio Recovery Associates LLC is trying to renew/revive a disputed debt from 2013 that was already contested through the Massachusetts Attorney General 's Office in sometime between XXXX. The AG 's office resolved this issue as I was able to prove that I did not owe this debt. The matter was resolve and all my documentation to prove this is now shredded and disposed as it is over XXXX years ago. Since I didn't owe this money and resolved the matter with our AG 's office, I have not sent money, nor contacted this company. They are illegally trying to revive this contested matter and I am seeking the help of the federal government to step in and enforce the law. I have also filed another complaint with my state AG 's office again today regarding this. The statute in MA is 6 years. This is back on my credit report and it's past the XXXX year federal statute.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CT)

I purchased a knife from XXXX but they sold me a counterfeit XXXX knife so I asked them for a return label through email on which they replied they are doing full refund but after XXXX days when.no refund I contacted Barclays Bank to do a dispute but they denied my dispute of {$190.00}. I need help please
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-17
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (TN)

How can you charge me over {$2000.00} in interest in just 4-6 months? 

Was under financial duress from divorce with acquiring loan and charges unlawful or extreme interest rates for emergency temporary cash relief. Consider predatory lending? 

Collateral Was repossessed once prior to loan being even 30 days late. 

Not one cent of my payments has been applied to principal. 

Interest rate excessively exceed maximum allowed by law in the state of Tennessee.
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital one Bank /XXXX XXXX , XXXX XXXX XXXX XXXX , are trying to collect a credit card debt of XXXX in civil court XX/XX/XXXX in XXXX , TN. I have XXXX XXXX XXXX and on XXXX. I started XXXX XX/XX/XXXX. I closed this account XX/XX/XXXX at that time after making a payment the csr informed me that late charges and fees would still be added to the account of approx. {$1400.00} which is now XXXX. I tried to get a home equity loan and was told Capitalone Bank do not do home equity in TN. After getting a letter from the above law firm ( that talk to you as if we still live in slavery time ), I tried to get a auto loan from Capital one XX/XX/XXXX and was turned down because the csr said they do not refinance vehicle. My medical condition I can not do alot of walking especially in hot humid weather if I make it to the courtroom XX/XX/XXXX I may not be able to speak loudly.if I don't pass out. XX/XX/XXXX I am schedule to have a consultation on getting a reverse mortgage to pay this debt and others with the equity in my home.CFPB # XXXX. Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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. (TX)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.