davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-05-02
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXXXXXX Date XXXX Balance : {$5200.00}
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (CA)

-On XX/XX/2024, I opened a Robinhood account. 
-Between XX/XX/XXXX and XX/XX/XXXX, I deposited a total of {$9500.00} and accrued additional money due to Bitcoin 's increase. 
- On XX/XX/XXXX, I was shocked to see an alert on my phone that all of my Bitcoin had been sold ( I did not approve this sell ). I mistakenly assumed that someone had hacked my account and it caused extreme stress. No one from Robinhood had alerted me that they intended to make such a big transaction.

- Later in the day I received an email from Robinhood that they could not longer support me as a customer and that they would return my funds if " eligible. '' I was told that no other information would be provided and I had no idea why this had happened. I STILL have not been informed of this rationale. 
-Between XX/XX/XXXX and today ( XX/XX/XXXX ) I have been trying in vain to speak to a representative. However, the only way to speak to a person is to log in with your account. When I do this, Robinhood refuses to take my call. ( I wait in line for up to an hour then am given the message that my call has been lost in line. ) This has happened multiple times. 
- When I inquired through email if my account was " eligible '' for a refund, I received a message that it was still being determined if my funds are eligible. 
- I deposited the funds directly from my two checking accounts and my XXXX account. 
- I have waited and waited, but my funds have not been returned and I am concerned that Robinhood is in the process of fraudulently stealing this money from me. I am a XXXX XXXX and was depending on this money for summer. 

Thank you for your assistance.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2023, I sent a certified letter to the credit bureaus asking then to verify every piece of information reporting on my report to make sure everything was 100 % accurate. I have been waiting over 30 days for an update. During this process I received a letter in the mail XX/XX/2023, from an unknown debt agency attempting to collect on an alleged debt. These debt collectors XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under15USC1681. 

When I sent a letter to XXXX XXXX XXXX asking them show me where I owe them a debt they then sold this alleged debt to XXXX XXXX XXXX without my knowledge, and so did XXXX XXXX XXXX 

See the attached letters
Consumer complaint received 2024-02-12
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: WELLS FARGO & COMPANY (CA)

Identity Theft, I saw lots of people 's information, credit card or acct information got stolen or maybe got sold to someone else on social media. All Transaction are out of state in TX and out of county in XXXX XXXX.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (PR)

Citi Simplicity Credit Card Complaint I have made more than 10 calls related to get my credit card from Citi Simplicity. This is because the card has never arrived at my address. And it was approved on XX/XX/XXXX, and we are in XX/XX/XXXX, and it is not properly delivered. I solicited this card to buy two bikes. They send to me a email that say that I can spend {$1000.00} for start. And my card will be delivers soon. And then the problem begins. They send to me a card with XXXX XXXX in XXXX XXXX. The card was return to the Citi simplicity facility because I will never take the card. But the problem is that XXXX never notified me about the arrive with a label card or a call. I miss the letter because they are inefficient. Well, when I call Citi and tell them the situation, they close my account and tell me that they will be deliver another card with a new number. I have waiting for the card since XX/XX/XXXX. We are in XX/XX/XXXX and itss not here. I call them on XX/XX/XXXX and they tell me that they send me another card. Its not delivered again. That is the thing with this company. I say to they that I start to think that they are a fraud. I really need answers. 
They are lying about the delivering all the time I call them. And they say that they have wrong address, and XXXX must reprise my address continually every time I call the bank. 
But the curious thing is that I received the billing letter from Citi Simplicity charging. And they don't have my right address? 
The company uses a XXXX ( XXXX ) that does not work efficiently in XXXX XXXX. Well, they don't leave a notice or call to notify that a letter has arrived. I let them know my concern in all the calls made and they mention that they will be shipping it again with XXXX and other Citi agent say that they will send to me with regular post office ( USPS ) and it is not shipped. 
It has been too late, and I want to know how we can resolve this matter once and for all.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-06-07
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. (TX)

Credit inquiries on your report that you don't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MA)

I followed the instructions to request a copy of my report which included submitting my SSN and a copy of my drivers license. They claim that my request in insufficient and have refused to send my report. Recently this report was used to double the cost of my car insurance despite the fact that i have XXXX credit score and zero accidents for XXXX  years. 

consumer XXXX case XXXX
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (MA)

On XX/XX/XXXX I deposited {$900.00} CASH into ATM machine, completed the transaction and drove away ( it was a drive-up ATM ). The following day ( XX/XX/XXXX ) I checked my balance and discovered SANTANDER had REVERSED my CASH transaction? I immediately called the XXXX XXXX XXXX phone number and got just that " there's glitch in the system and someone would look into it Tuesday XX/XX/XXXX ). I spoke to her supervisor ( she could speak and understand english, and got the same story. She had no idea if the ATM spit the cash out on the street or what it did. They have no idea WHY this happened and I could not get an answer. Except call back XX/XX/XXXX. 
Santander is closing branches with employee 's to chop costs and increase profits at our expense, XXXX does the same thing.
Consumer complaint received 2024-02-12
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: OPORTUN FINANCIAL CORPORATION (CA)

I received a letter from XXXX XXXX XXXXXXXX for XXXX demanding payment in the amount of {$7300.00}. I immediate sent a dispute letter advising I had no knowledge of the account and requested verification and validation, however XXXX did not provide this information but instead sent me a letter demanding I call within 10 days to make payment along with an unfilled plaintiffs summons and order to go to small claims court I believe. The letter is signed by XXXX XXXX XXXX Department after searching the California Bar I find no active license for XXXX XXXX. I believe this agency is using intimidation tactics to demand payment for debts not owed as a form of fraud.
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My husband banks at US AAbecause hes a veteran I started my bank account in XX/XX/XXXX when I XXXX and XXXX XXXX it was just my account. 

XX/XX/XXXX I was put in iXXXX for no reason I was never mirandize read my rights while I was away my father in-law got put on our accounts. 

My income tax got taken and disappeared. I have pictures of the totals not matching up and lately have caught them re-coding debts to steal money. 

They dont even treat me like Im a customer when I call they just leave me on hold I have to complain over and over again about charges I did not make on my account I had to XXXX them basically to take my father-in-law off my account saying I never authorized it and I didnt care. 

We are pretty sure that our in-laws came to steal from us but the bank let it happen
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

MY NAME IS NOT XXXX XXXX! 

XXXX XXXX HAS VIOLATED MY RIGHTSXXXX DEPTEDXXXX/HAS VIOLATED MY RIGHTS/ XXXXXXXX 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 XXXX/HAS VIOLATED MY RIGHTS/ XXXX 15 U.S.C. 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 604 SECTION 2 IT ALSO STATES THAT A CONSUMER CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSET OR INSTRUCTIONS.

15 U.S.C 1681S ( 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 THAT ANTEDATES THE REPORT BY MORE THAN 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 KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

MY NAME IS NOT XXXX XXXX! 

XXXX XXXX HAS VIOLATED MY RIGHTSXXXXXXXX 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 Bankruptcy/HAS VIOLATED MY RIGHTS/ XXXX 15 U.S.C. 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 604 SECTION 2 IT ALSO STATES THAT A CONSUMER CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSET OR INSTRUCTIONS.

15 U.S.C 1681S ( 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 THAT ANTEDATES THE REPORT BY MORE THAN 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 KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: AMERICAN PORTIFOLIO MORTGAGE (IL)

I would like to make a complaint against American Portfolio Mortgage for unlawfully creating a duplicate late charge after completing a payment. I have all email documentation that I have sent with no written responses from American Portfolion Mortgage. 

On XX/XX/XXXX, American Portfolio Mortgage was the active servicer who collected payment as well as a late charge and then a duplicate late charge. On XX/XX/XXXX I had made the payment in full of {$3400.00}, and confirmed verbally with customer service there would be a waiver of the late fee. This late fee was waived, and then another late fee was assessed as a duplicate late fee. 

After speaking with customer service again, they advised to send an email to waive a duplicate late fee. 
On XX/XX/XXXX I spoke with XXXX ( XXXX ), who had mentionedthere was a reversal of {$11.00} of the late fee but not the full amount, as stated by the other agent I spoke to in XXXX. The balance of the late fee of {$100.00}, is duplicative in error and a wrongful double charge of the late fee amount initially assessed. When I asked for clarification on what that represented, XXXX ( XXXX ) was unable to answer what this amount represented and said I will need to work with the new servicer ( XX/XX/XXXX ) for a late fee that American Portfolio Mortgage collected. 

Here 's the email sent on XX/XX/XXXX to affirm the duplicate late fee : I spoke to customer service, and they advised me to reach out to resolve the following issue. 

My bank missed an auto payment in XXXX, and I was unaware of the error until I received a letter from American Portfolio alerting me. Because of this, I was assessed a late fee of {$110.00}, which was waived during a customer service call on XX/XX/XXXX. During that call, I was advised to make a payment of {$3400.00} to settle the balance ( which I made the same day ), but before that payment was processed by American Portfolio, another late charge of {$110.00} was assessed. Because I made this payment in good faith after the customer service call, I am hoping it is possible to have duplicative fee this waived. Is this something you'd be able to assist with? Below is an accounting of my most recent payments for your reference. 

Details Posting Date Description Amount DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Online Payment XXXX To AMERICAN PORTFOLIO MORTGAGE XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc. (WI)

Cash app is not letting me access one of my accounts someone locked me out of my account and they are dening me access to my funds that are on my name I tried today to fix this with them and they will not fix it I want my funds out of there over XXXX XXXX in that account my ss is XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST INTERSTATE BANCSYSTEM, INC. (ID)

I received the loan from First Interstate BankXXXX XXXX XXXX XXXX XXXXXXXX - ( XXXX ) XXXX ) as part of a XXXX  loan package back in XXXX (? ) when purchasing a house. During a XXXX, it was recommended the house would need to be sold/short sale due to financial complications at the time. In XXXX, once the conditions of the short-sale were met, the house was sold ; however, the bank never released this additional loan, saying that it was to be converted to a XXXX XXXX loan. I ended up with a XXXX loan that continued to receive annual mortgage interest statements for several years, but never monthly statements. Over the years I tried to set up an online presence to manage the account, and every time I am left with the loan unavailable online and no statements being sent. I get various reasons as to why I can't have access to this loan online ; this is very frustrating since I have moved many times and traveled for a few years, always having to send via XXXX Mail a monthly coupon and XXXX check. I would like for them to 1 ) reconsider the original decision and make the loan part of the short-sale, write off the loan as I believe it should have been, make restitution to me and clean up my credit report as needed ; and 2 ) at a minimum, give me access and statements, so I can manage it online. The interest I have paid on this loan is well above the original amount of the small loan that was part of the XXXX package. I believe their refusal to put this online and give me access to it is to avoid audit of a fraudulent loan that should have been flagged a very long time ago. In XXXX, we attempted to buy a house and were unable to get the loan we desired, partly because this loan was still listed as a mortgage loan on my credit report. The bank re-named this loan after that, but it shows severe negligence if nothing else. I am now attempting to buy a house again after all these years and would like to make sure this situation doesn't derail another attempt to own a home.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX, and Im 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 on my XXXX, XXXX XXXX Transunion.