davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

Commencing on or around XXXX XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX USD from my Robinhood account to fraudulent investment firm ( s ).
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a credit with XXXX XXXX XXXX where all the payments were automatically discounted from my bank account. All the payments were discounted from my account every XXXX of every month, XXXX XX/XX/XXXX for an amount of {$470.00}. On XX/XX/XXXX I went to the XXXX dealer to change my car and they specifically asked me to not pay the XXXX payment because they will do a new contract and account for my new car. I kept receiving calls from XXXX XXXX XXXX even in XXXX, so I paid on XX/XX/XXXX the amount of {$470.00}. Not even 30 days after my billing day in XXXX. Even after I paid I kept receiving calls from XXXX XXXX XXXX and I found out that they didn't record my XX/XX/XXXX payment, even when they discounted automatically from my account. They never recorded that payment and that's why they thought I was late in XXXX, even when I paid before the XXXX that I was supposed to. My last payment was on XX/XX/XXXX, and XX/XX/XXXX. My billing day was XXXX XXXX and I pay only 22 days later because XXXX XXXX told me to not pay. Either way, I made the payment and it wasn't late. I know that I have 30 days to pay and then I will receive a warning.
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was trying to send {$300.00} dollars to my husband through XXXX on Citizens mobile banking app. In the past I had no problems with it. But this time transaction failed. It asked to try again later. Which I did XXXX more times. I received XXXX emails saying that transaction failed. To my surprised I later saw that XXXX dollars were withdrawn from my account. My husband never received the money. When I called bank to ask what happened they initially said that money will be back tonight. It all happened on XXXX. So I called them back on XX/XX/year> and they said that money will be back on XXXX. Today is XXXX XXXX  and money are still not in my or my husbands accounts. Meanwhile I had other payment to come out. And since I didn't have free XXXX dollars sitting around, the account got overdrawn. And today on XXXX I got a fee for overdrawn account. And all I hear on the phone it will be there tomorrow. But I also have automatic payments set up, which should charge my account for bills I owe, and with account being overdrawn already, most likely these charges will be denied and I will also get a fee for failed transaction from other institutions like XXXX, and XXXX. And Citizens is not going to cover those fees even though it is their fault. But most importantly I have a doubt now that the money will be ever returned. This bank is the worse. I am also not able to set up payments under my account, I have to use my husband 's login, but this is whole other story for a different complain.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc. (SC)

Someone did fraudulent activity in my name with this loan. I had no knowledge of this account. I reported Identity Theft to all credit bureaus, and I don't know any other actions to take with this situation since I did an Identity theft report. I ask for this to be removed from my credit report because I have no knowledge of this account.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Firstsource Business Process Services, LLC (NV)

I want to know why this company and others gave me up to XXXX in credit when I'm XXXX and only make XXXX a month why would a company give so much credit to a XXXX XXXX XXXX, I mean no one thought maybe it's too much credit but no they are greedy they know people cant handle this kind of credit it was a clear abuse of a XXXXXXXX XXXX and I want it written off and taken off my credit report, because they are just as much to blame as me the debt isn't getting paid
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I had an account with XXXX XXXX # XXXX with secivce address XXXX XXXX XXXX XXXX tx. And I moved from the address on XX/XX/2022 and I called XXXX XXXX to transfer my service to my new service address XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas on XX/XX/2022. And the told me the don't have service on that address. Because the network is very poor and slow. 
So I told the to disconnect my service.which I did And I switched to spectrum. Will send the proof. 
XXXX XXXX  kept billing me every month and I emailed see the attached. They keep saying the fixed the problem. 

I have attached proof when I switched to XXXX  The only thing I own them its the equipments and will drop the off asap
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have ensured this account 's payments are always timely and never overdue. I am unsure about the reasons for the late payment remarks on my accounts. As stated in 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2023-12-22
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. (VA)

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 2022-12-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated 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 16666 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OH)

Around the third week of XXXX, I reached out to Ally and explained that I was having concerns about making on time payments at the current due date on the loan. The agent on the phone went through the traditional questionnaire only to tell me that the due date could not be changed, and gave no explanation. 

Frustrated, I sent a secure message on Ally 's website, hoping that would reach a different department. I received a reply XXXX hours later, asking me that " due to the nature of the request '' to call back. Frustrated by my non-answer, I did, and was told that my request would be " escalated '' and instructed me to call back for a follow up XXXX days later. 

I call back in to follow up and am told once again that the due date can not be changed, even due to a financial hardship, because of the amount of days the due date had been changed by. ( I changed the due date at the very beginning of the loan, which I remember being told I was allowed to change the due date XXXX more times during the life of loan ) Now, Ally is calling me XXXX day after the due date of the auto loan payment stating I'm " delinquent '' or " past due '' and need to pay on my account now. I am not behind on payments and the only amount they are referring to is the currently due installment. I have a XXXX day grace period in my contract, so why am I being bullied about my payment right after being told that even with concerns of financial hardship and they won't change my due date? Completely unacceptable.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Syncb account # XXXX opened XX/XX/year> 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason. 

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-09-13
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: M&T BANK CORPORATION (MD)

On XX/XX/2023 I drove through M & T Bank service window, XXXX, XXXX, to cash a US Treasury IRS refund check for {$280.00}. I presented valid picture government issued ID. I was told that if I didn't have an account with that bank, they wouldn't cash the check. Reason they said was they are a XXXX XXXX  and don't have to cash US Federal checks.I asked about US Savings Bonds and was told the same thing.. won't redeem unless I have an account with that bank ... I believe any banking institution that is covered by FDIC is required to cash US Government instruments... Am I wrong? If I'm correct I'd like for them to re-educate their staff on what is required. A note of apology would be appropriate.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NC)

This case is opened as " XXXX XXXX ''. I am still in Discovers system under my maiden name " XXXX XXXX ''. 

In XXXX of XXXX auto-pay was turned off on my Discover card account. I relied on this function to prevent late payments. I did not turn off this function. 

In XXXX of XXXX my husband was looking through our financial information and discovered my XXXX XXXX was XXXX points lower than it should be. Upon further investigation we discovered that I had several late payments on my Discover card. I was confused since I had auto-pay enabled. 

We contacted Discover via chat where a representative confirmed there were late payments and that auto-pay had been XXXX in XX/XX/XXXX. We were very confused and asked them to investigate how this happened. The rep said auto-pay had been " turned off by our system '' but also said they did not see any notifications sent out that would be consistent with their system disabling auto-pay. They said they actually were seeing that it was XXXX on " web/online ''. The discover rep said that they would be able to refund the late fees and have it removed from our account. They said to wait until this posted in XXXX hours then contact the credit bureaus to get the late payments removed from my credit. 

Upon further investigation on the CFPB website I found that it is actually the responsibility of Discover to contact the credit bureaus to fix this and not my responsibility as a consumer. 

I contacted Discover to have them work directly with the credit bureaus. I was transferred to supervisors who said that even though I did not cancel auto-pay, they could not find an error on their side and therefore were not able to contact the credit bureaus to get these late payments removed. They stated they could only do this if they found that they had made a mistake. 

I have several issues with this : 1. There is no 3rd party verification of their findings that there was no bug or IT error that could have caused an auto-pay disable. As I said, I did not disable auto-pay for exactly this reason.

2. Banks never admit culpability so if the only way they would report this to the credit bureau is if they were culpable... they never clean up anything they get wrong? 
XXXX. This is an incentive for banks to purposefully cancel auto-pay on their consumers to get late fees from them. Then if consumers catch them they just give the money back and deny culpability because there is no third party investigation. 

This is theft from the consumer ( in this case me ) and to their credit they returned the late fee money. However I still have negative marks on my credit report and Discover is claiming there is no way to help me get these removed. 

I am seeking CFPB assistance in getting Discover to work with the credit bureaus ( XXXX, XXXX, XXXX ) to remove the derogatory remarks from my credit report.
Consumer complaint received 2024-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Consulting Services, Inc. (CA)

Hello, This collection agency has been reporting a debt of CREDIT CONST XXXX {$17000.00} and another of CREDIT CONST XXXX {$3500.00} on my credit The truth is that I don't recognize them, I don't know where they come from and I'm not responsible for them. I have sent letters to the bureaus to investigate and tell me where the debt comes from and so far they have not given me any information. This account has been affecting my credit in a bad way since the amount is very high. I request that this collection agency please remove these accounts from my XXXX credit report.
Consumer complaint received 2024-05-22
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: MicroBilt / PRBC (formerly CL Verify) (TX)

The lady named XXXX who works the phones needs to be fired. The way she handled my call made her company look bad. Everything on my report needs to be disputed. She simply could not and would not help resolve the situation. All names and address need to be disputed on the report I provided. All phone numbers and accounts need to be removed.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (VA)

On XXXX XXXX I disputed a charge with Credit Karma for the amount of {$1700.00}. I have given them all my information that I payed for a service but the company did not give me a service. I disputed with another card company with the same issue on the same day charged to the same company and they realized the error and refunded me my cash. Every time I call credit karma I cant speak to an investigator they said they send me an email but I have no email.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I applied for a loan, the loan company showed me on the screen where it says my equifax report is frozen. When i log into my equifax account it shows its not. I called equifax it was confirmed by representative that its not frozen. 2. I applied for a credit card and was denied because it came back from equifax no credit beureu file for the applicant. Thats also incorrect. The eiquifax representative told me there is nothing they can do that its not frozen and all my information is accurate. I was told by the loan company i was trying to use that they had this issue before and the individual had to use some federal site to get help. When i asked the equifax representative about that, he said there is nothing that can be done. I just need my credit file to be able to be accessed by lenders!
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (MI)

Dear Sir/Madam, I am writing to formally request the removal of incorrect information from my credit report. After obtaining a copy of my credit report from your bureau, I have identified the following errors : Please conduct an investigation into these matters and remove the inaccurate information from my credit report as soon as possible. I also request that you provide me with written confirmation of the results of your investigation and an updated copy of my credit report.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NV)

From XX/XX/year> to XX/XX/year> nearly XXXX individuals were making withdrawals from my XXXX bank account DAILY WITHOUT MY APPROVAL for a total of {$2000.00}. 

CashApp denied any information and XXXX is denying my fraud claim stating I approved the money being withdrawn! I am going to a branch in person this morning! 

I don't give money to strangers and I don't even use CashApp! My account through XXXX was linked but I DO NOT USE CashApp! And I do not give out money to strangers online! 

Please help!!!
Consumer complaint received 2023-10-27
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. (NY)

In accordance with the fair credit report act XXXX  account # XXXX, has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

14 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/2023 I have sent a letter to dispute a late payment on one of my accounts as the information is inaccurate or unverifiable. Pursuant FCRA 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ) the law states that the transactions and experiences are excluded from consumer report. The only time late payment can be reported is when ( FCRA ) 15 U.S.C 1666b ( a ) is met. 
Besides that XXXX failed to provide proof that creditor sent me a proof of delivery of the information required by law under ( FCRA ) 15 U.S.C 1666b ( a ) 21 days before the due date also failed to respond to my dispute within 30 days. 
XXXX is in violation of ( FCRA ) 15 U.S.C 1681 and after a dispute letter sent by be now in violation of ( FCRA ) 15 U.S.C 1681n as well.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Dear CFPB, I need your help and I am writing to file a formal complaint against Portfolio Recovery Associates , LLC regarding their collection practices in relation to my account with them, identified with an XXXX XXXX account. It has come to my attention that Portfolio Recovery Associates , LLC has been violating my rights as a consumer under various provisions of federal regulations and statutes. Specifically, Portfolio Recovery Associates , LLC is in violation of the following regulations and statutes : Violations : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation outlines requirements for debt collectors in providing validation of debts. Portfolio Recovery Associates , LLC has failed to provide proper validation of the debts associated with my accounts as required by this regulation. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation pertains to the provision of written notice by debt collectors. Portfolio Recovery Associates , LLC has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation.

12 CFR 1006.34 ( d ) : This regulation addresses the timing of validation of debts. Portfolio Recovery Associates , LLC has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 

15 USC 1681-S2 ( 7 ) ( A ) : This statute concerns the rights of consumers in relation to their credit information. Portfolio Recovery Associates , LLC 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. 

Demands : Cease Collection Activities : I demand that Portfolio Recovery Associates , LLC cease all collection activities related to my accounts. 

Delete Reporting : I demand the deletion of the reporting of the account to the credit bureaus. 

Certified Receipt of Notification : If Portfolio Recovery Associates , LLC believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

Compensation : I request compensation of {$1000.00} for the violations of my consumer rights as outlined above. 

Request for CFPB Action : I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Portfolio Recovery Associates , LLC for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.