davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (CA)

I disputed an XXXX transaction on my Robinhood debit card ( in the amount of {$15.00} ). Then without providing a reason, Robinhood sent me an email stating they have restricted my account. Then after calling and emailing them for more than 20 times, many of which the customer agents hung up on me, after telling me theres nothing for me to do besides waiting - plus I can not close my account or withdraw any of my assets. 

I then waited for another week and without providing a valid reason, Robinhood has emailed me saying they are closing my account. But offered no timeline, or details on how my current funds in Robinhood will be refunded. I emailed them asking for these information and they said they will return the money to my bank account in 120 days. However that makes no sense because my positions are all closed and the funds are just sitting in Robinhood. I was prevented from linking my bank account to Robinhood to withdraw my cash. Theres over $ XXXX just sitting there and Robinhood has provided no reason or process for the refund to be given back to me. 

Robinhood also blocked me from updating my phone number ( my older number has been disconnected and I had emailed them about updating my new phone number for weeks ) on the app which prevents me from getting access to the customer service center via phone. Even though I verified myself through uploading a picture of my ID + real time selfie + social security number.
Consumer complaint received 2023-12-28
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. (GA)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (FL)

I applied for a membership with XXXXXXXX XXXX and was advised if i canceled within 30 days it would be removed and i did which i attached to the debt collector and they continued to Harras me requesting a debt that the gym was aware that i no longer owed. The gym refused to acknowledge the cancellation they gave me and sold a debt i did not owe. and attached you will see the noticed from Aldous and associates.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: John C. Heath, Attorney at Law, PLLC (NV)

To whom it may concern, I hope this email finds you well. My name is XXXX XXXX and I am a consumer/client of Lexington Law since XXXX XXXX XXXX. Every year I tried to cancel my membership with them, but all they did was give me discounts, defer my payments then they continue charging me again. I only have XXXX negative on my account cost less XXXX XXXX which I could've just pay off, instead of spending and wasting my money on Lexington Law.

I thought they could help me dispute wrongful charges and they even advise me not to reach out the collections company and they will continue sending letters. Up until they don't anymore. To be honest I don't even know if they are helping me with 1 negative cost {$800.00}. They are charging me {$120.00} a month at the beginning until I felt it's too much that's when they gave me discount not to cancel.

I keep calling them before ; to cancel and I've been telling them that I'm paying monthly, and I don't see any updates on my credit report. 

XX/XX/XXXX, they still charge me it's very hard to reach out to them, all the consultants have different approach like they don't know what's going on, on my account XXXX - XXXX they did not help me. I noticed I can not remove my card details on the account, and they are hard to contact now. I don't remember them reaching out to me because if I've known they were being sued I canceled already as I tried doing that yearly.

Please help me any insights is highly appreciated.

I attached all the emails, and my bank statements from XXXX. I can not retrieve anything past XXXX I think I have to request that from my bank. 

Kindly let me know what legal actions I can do. 

Thank you very much XXXX XXXX XXXX
Consumer complaint received 2023-09-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of Identity Theft, There are Fraudulent Hard Inquiries on my Transunion Credit Report that don't belong to me, please have them removed! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024
Consumer complaint received 2024-04-10
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (AL)

My grandmother Insurance company sent fay Service a check to pay off her mortgage. Fay service sent the check back, and the Insurance company sent the check back to Fay service after they received the check they told my grandmother her property is up foreclosure and her check is just sitting into an escrow account. My grandmother never had an issue with her mortgage being paid it. Everything went down hill when Fay service took over. Fay service was taking money out her account twice amount a month.
Consumer complaint received 2023-12-28
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. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

Conn 's has been falsely reporting negative information to all 3 credit bureaus XX/XX/2019. I purchased a laptop from Conn 's on XX/XX/XXXX. The laptop was returned on XX/XX/XXXX. The restocking fee of {$100.00} was paid in store at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have explained this several times to Conn 's. I do not have an open account with Conn 's and this company continues to report negative payment history. Due to this, my credit has dropped 45pts and I have been denied credit from other creditors and was unable to close on my house due to this issue which resulted in a lose of {$2000.00}. I have called Conn 's several times over the past 4 months to have this issue resolved. I have been told several times that they would correct the issue in 10 business days. Per conversations with Conn 's reps, legal action will be taken if this issue is not resolved immediately.
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law. 

If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

XX/XX/year> XXXX INFORMED CAPITAL ONE THAT THE ACCOUNT ON MY CREDIT REPORT IS FRAUDULENT THATS NOT MY ACCOUNT. I NEVER APPLIED FOR A CAPITAL ONE ACCOUNT AND HAVE NO KNOWLEDGE OF THIS ACCOUT I WILL LIKE IT TO BE REMOVED AND INVESTIGATED.
Consumer complaint received 2023-12-28
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. (FL)

This account is reporting late reported in my Experian and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-12-28
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. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-12-28
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)

Contacted company a little over XXXX XXXX ago to opt-out of sharing XXXX  personal information/data to XXXX  parties ( Experian, XXXX, XXXX ) XXXX XXXX  consumer report still has not been updated and its been past XXXX  days. They are in violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like the specific account removed from XXXX XXXX exercising XXXX XXXX pursuant to XXXX XXXX. XXXX Obligations with respect to disclosures of personal information and XXXX XXXX. XXXX Opt-Out enforcement which all coincides with the United States XXXX XXXX XXXX Privacy Act of XXXX  establishing a Code of Fair Information Practice.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I opened my Capital One XXXX card last year, and XXXX of the stated benefits that I knew I would use is the ability to share miles with other XXXX cardholders, which my XXXX  has one as well. Once I put spending on the card and received miles into my account, I then went to go to transfer miles to his account for him to use, but when I tried, it would not give me this option. I called on XX/XX/year> to inquire why, and after being transferred to a supervisor, was told that " yes this is a stated benefit of the card, but for some reason, it is not letting you make the transfer. '' She agreed this should be an option on the account, and referred it to another department to fix the issue. 

The other department responded to me on XX/XX/XXXX and simply said, " Unfortunately, we are unable to transfer your rewards because your account is in an unredeemable status. '' There is no explanation as to why. This is unacceptable to find this out after I have already spent money on the card, and no offer how to resolve. Capital One had no problem accepting my charges, but when trying to use a stated benefit on the card, they are unwilling to help. If this benefit was somehow removed since applying, they would have needed to notify me. And if there is some other reason why, they need to fix it. It is unacceptable to charge me a renewal annual fee and not even provide the benefits that were in the stated account terms. I even reached out about a refund on XX/XX/XXXX, and they ignored that request.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

American Honda Finance is wrongfully reporting negative information on my credit report. Last month I went to apply for a loan with my bank but was declined the loan. I was advised that due to being late on my car payment that the loan couldn't be processed. I decided to pull a copy of my credit report to see what was reporting from Honda. Not only was it upsetting to see that Honda was reporting incorrect information, I also noticed that my credit score lowered due to the reporting by 40 points. I contacted Honda to inform of the reported late payments and was advised that no payments were reported late. 



I requested a payment history review and was advised that two of my payments dated XX/XX/XXXX and XX/XX/XXXX were paid towards late fee 's and not the payment due. Honda has reversed the payments but still reported that I was 30 days late each time. I am attaching the loan payment history for the moths in  question along with a copy of the current credit reporting from Honda.
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, Wells Fargo closed my credit card account which I had since the year XXXX. 

The account was current and in perfect standing. 

The only reason they are giving me for closing the account is because of payments that bounced from one of my external accounts " XXXX XXXX XXXX XXXX ''. 

I actually called the bank XX/XX/XXXX to explain that I had mistakenly added an extra XXXX. They said not to worry and lifted the account suspension. To play it safe I went and did a cash payment to the branch. 

The bank RETRIED the withdrawal without me knowing and it bounced again, and they closed my account.
Consumer complaint received 2024-08-02
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. (MS)

This account is still inaccurate after the fourth re investigation remove this account Immediately! 

XXXX XXXX ( account number ) - XXXX
Consumer complaint received 2023-05-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (KY)

On XX/XX/XXXX I signed up for a merchant services account with US Bank XXXX Elavon/XXXX  XXXX XXXX There was an opportunity for a {$600.00} bonus once my first merchant transaction settled. The terms said the bonus would be deposited into my existing US bank business account 45 days after the transaction settled. This transaction settled on XX/XX/XXXX. I have tried to reach out multiple times to my US bank contact but he has been completely unresponsive.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Dear CFPB, XXXX  writing to update XXXX  on XXXX  ongoing XXXX  report dispute with XXXX, Experian and XXXX regarding XXXX  information ( Ref : XXXX XXXX Experian : XXXX XXXX : XXXX. Unfortunately, despite filing XXXX  initial dispute on XX/XX/2023 and exceeding the XXXX timeframe outlined in the XXXX, XXXX have not received XXXX  response or update from the bureau ( XXXX ). 

The continued presence of this XXXX  information continues to cause me significant harm and hurting XXXX XXXX credibility XXXX urge the CFPB to take immediate action and : XXXX. Investigate the bureau ( XXXX ) ' non-compliance with the FCRA. 

XXXX. Demand a prompt and thorough investigation of XXXX  disputed information. 

XXXX. Hold the bureau ( XXXX ) accountable for the delay and XXXX  harm caused. 

XXXX. Ensure the immediate removal of the XXXX  information from XXXX XXXX report if verified. 

XXXX  have attached the following documents for XXXX  reference : XXXX. Copies of XXXX XXXX  reports XXXX. Copies of XXXX XXXX letters XXXX. Copies of XXXX  supporting documentation XXXX provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of identity theft recently. Today, while reviewing my credit reports, I noticed that XXXX, XXXX, and Transunion are showing unauthorized inquiries from the following company which are a result of identity theft : XXXX. XXXX XXXX  - XXXX XXXX XXXX. XXXX XXXX  - XX/XX/year> As per the Fair Credit Reporting Act, any inaccurate items need to be removed from my credit report.
Consumer complaint received 2024-07-15
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: TD BANK US HOLDING COMPANY (TX)

The negative rating on my account is a source of great distress. I'm extremely concerned about its effects on my credit standing. It has already led to the rejection of a recent loan application and higher interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until this matter is resolved.
Consumer complaint received 2023-12-28
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. (MS)

I have communicated with XXXX regarding the bankruptcy that is currently reporting on my credit report and they have provided confirmation of this bankruptcy case : ( XXXX ), is not listed in their system with my profile. Experian have sent me documents saying they have received confirmation XXXX. This is a lie. Attached you will find the correspondence from the Bankruptcy court house and XXXX XXXX regarding this matter. Please remove these items that do not belong to me from my credit report. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2024-06-01
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: ZuntaFi Corp (FL)

Ive been in touch with the original creditor many times and we agreed to some terms to remove this account from my report, however what I see that they report to the credit bureaus is that the matter is resolved, but the charge off stays on the report. It worries me that after that fact, Ive had two other collection companies trying to collect on the same debt. Im worried about my personal information being misused. So I sent them a letter to opt out authorization of sharing under 15 USC 6802 and also requested 1099C tax form for the cancellation debt. 

See attachment
Consumer complaint received 2023-12-28
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)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy 15 USC 1681, section 604A, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose.