davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (TN)

This account was supposed to be closed in XX/XX/XXXX it is now XX/XX/XXXX they have not fully closed this account. I have money still sitting in this account they rejected a direct deposit from XXXX but for whatever reason they allowed a deposit in XXXX, but my account is supposed to be closed. They blocked previous deposits and now theyre allowing it, so my account is still open even though it says its deactivated and closed and I cant move or touch the money. This is so unfair and illegal If something needs to be done about this, Im not able to speak to no one on the phone they made it to where nobody can call in and you have to go to the app but through the app I cant request to talk to anybody I cant never get a response. They informed me that they were closing my account, but they never fully close my account. They kept sending me the W9 form. I filled it out multiple times and they still wan na close my account. Theyre not letting me know whats going on with my account I have money sitting in my spending account they only sent me the money from my brokers account and I think this is highly unfair. Its been months I cant use that account. I cant talk to nobody on the phone I cant get a response via email and theyre doing this on purpose and I feel like Im being discriminated towards in target because I hadnt yelled and cussed out some of their customer service reps but this is illegal and unfair and Im just sick and tired of the going back-and-forth and Im not fully closing out my account. I want my spending account money sent to me as well as the account being fully close like they said they were going to do the only thing they have done to me is restricted account and stopped me from calling customer service or reaching out to them so I cant get a response. I cant talk to no one on the phone. No one is calling me back, I cant reach them and theyre keeping my account halfway open but I cant touch or move or do anything with the money, so this is just highly unfair and Im just really frustrated.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I hope the following items will be corrected or deleted ASAP. Thank you. 
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 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
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc. (CA)

I have sent letters to XXXXSUNBIT requesting proof of said debt and have not received any response for the two separate closed accounts they have put onto my credit report. Sunbit is in violation of code 15USC 1681 because they have not been reporting accurately to the credit bureaus by disclosing two derogatory accounts, and showing no true evidence that said debt belongs to me. They have been reporting since XXXX of XXXX with a balance charged off at XXXX XXXX and XXXX dollars and the other closed account since XX/XX/XXXX for the second account that is showing negatively on my report with a balance charged off at XXXX XXXX XXXX XXXX and XXXX XXXX dollars. By both accounts showing collection/charged off they have already sold this debt off and have been compensated and are now trying to intimidate me by damaging my credit, and making it impossible to obtain new credit. By them already charging these accounts off and now trying to double dip by wanting me to pay said debt again is outrageous on several levels. Another violation is this company has never sent me an option to opt out of them reporting my information to any non 3rd party affiliate. Per the FCRA as a Federally Protected Consumer I am now opting out of any and all authorization I the consumer may have given SUNBIT/XXXX  written, nonwritten, verbal, and or nonverbal per 15USC 6802 ( b ).
Consumer complaint received 2023-05-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-15
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX of XXXX, I the consumer-initiated payment processed to satisfy debt with Capital One, at the time I had a credit card that was at limit and simply wanted to pay it off. As a consumer I sent in my remittance coupon and requested to either have the payment applied to the account. in addition, NOT to have account closed suspended or terminated or frozen. A few weeks later I received a notice on my credit report that an account has been closed. Without warning Capital One had closed my account. A week later a notice was sent stating that the account was closed due to activity not consistent with their expectation, and violation of agreement. I always paid my notices on time and proposed a settlement which the company decided not to accept. I, the consumer has not violated any terms of the agreement. I am filing this report due to account being wrongfully handled and now these actions have caused my family and I great deal of injury. Capital One has added fees since the account has closed. In addition, selling my consumer information to third party debt collectors! I am needing to get this matter rectified and removed from my credit report. As of XXXX this account has been charged off by capital one. I have sent correspondence to advise of opting out of sharing my information.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per FCRA 605B, it's obligatory to remove any incorrect accounts from my credit report. Can you please examine the documents? There are inaccuracies in some of the listed accounts concerning their reporting. These accounts must be removed promptly.
Consumer complaint received 2024-04-15
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. (TN)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. 
see attachments
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Proof of debt, copy of contract with collection agency with my signature, proof of licensing in state of Florida to collect debt as none of the companies listed in complaint are not licensed in the state of Florida to collect debt
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC (AL)

XXXX  XXXX is furnishing inaccurate information to Early warning services. XXXX XXXX has been notified that the information is inaccurate and due to fraud that has been being reported and is a direct violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies which states : Reporting information with actual knowledge of errors 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. 

This account was created due to fraud and not my authorization. It is affecting me opening an account at other banks.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is not my address i informed experian of this previously, or atleast i was under the impression they were advised of this please remove this address from my credit report. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

I was contacted via telephone from NCB Management Services Incorporated regarding a fraudulently obtained loan through XXXX XXXX XXXX XXXX XXXXXXXX, account XXXX, NCB File # XXXX. They said I owed {$3000.00} from a loan I never took out. My accounts have been compromised over the last year and XXXX XXXX  stopped a payment of {$300.00} to this company because they found it was fraudulent. 

Apparently this was an online loan that used my bank and employment info. I've attached the paperwork I received from this company.
Consumer complaint received 2024-01-16
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. (MO)

Unbelievable but yes there still working on the issue the same is thars been from XX/XX/ till now which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2024-01-16
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. (MO)

Yet another useless notification of a dispute I can't open and yes I ried again to call with the same results, THEY WANT MY FULL SOCIAL SECURITY NUMBER and when I said I am recording the conversation as usual they HUNG UP
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2024 After several attempts with over 90 % in failure as the XXXX  in the app ( which I had requested several times to be remove for XXXX as it does not understand what I message same for their auto bot who automatically hangs up or precedes to never understand speech and ensures over XXXX waits in which almost an hour can go before someone answers to be XXXX as I have little to no patience for this given my past 2 years request denied deposit the emotional outbursts produced by their vs and ai ) Was to dispute a transaction of a {$15.00} hold from cash app which left my account - {$7.00}. Fraud department said as it was done by routing, it can be stopped. The {$15.00} had not been moved as my cash app card was declined. I checked and saw the funds were in my Bank of America account still. No pending addition from XXXX XXXX I had m Bank of America card where the funds were at more than XXXX after the failed move, was still at. 

XXXX XXXX refused to listen even as I gave proof from the card decline and etc. l BOA said no dispute required. 

Went over claims I had been recently informed that there weren't any. 
Explained the Zip dispute. Initially stated I am not going to drop until I have the money to do so. 
She replied that no credit was given. So I agreed to drop it. 

Later that evening to get gas to go home as my gas light was on, to discover they put a hold of {$26.00}. My account now- {$14.00} and no gas money Despite my being alone in a county I didn't live in and the fault BOA XXXX times over, did nothing. 

Left overnight putting my safety at risk More than XXXX weeks after disputing XXXX who still refuse to refund me the down payment for a canceled order. One in which I received a refund from afterpay for. Told by two claiming management afterpay doesn't give refunds ( i just had one by them ) and XXXX owes me my refund. Then continues to ignore the email sent by XXXX stating it was canceled and send documents stating no evidence m, pay up. 

Bank of America has been in talks with them Has not requested my documents And after being left as I was believe that they are not acting in my best interest but AGAINST men
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (PA)

I contacted Santander XXXX XXXX  at the end of XX/XX/XXXX  to talk about my auto loan that is behind in payments. We were nearing the possibility of repossession soon and I did not want that to happen. I had gotten behind due to several circumstances, one being I was suffering from XXXX and a XXXX XXXX for nearly a year. And my husbands income decreases at different times of the year and it can get us behind. I called and spoke to an agent and I had told her I would make a payment on XX/XX/2023. The payment would be {$420.00}, it was literally the only payment I could make that would be less than the full overdue amount shown on the account payment page. The payment area normally would allow me to split my payment or pay what amount I wanted. So {$420.00} was the only logically affordable amount available to me. So I did agree to paying that and it is currently pending. I went on the account page again and now I see that the lowest amount option is the monthly payment about of {$510.00} due XX/XX/XXXX XXXX The other amounts are over {$1000.00}. Normally I split my monthly payment in half and pay it every 2 weeks. Their payment options are not affordable. I would be paying nearly {$1000.00} this month if I make that next payment amount of {$510.00}. I have already paid them {$420.00}. I never said I would not pay a little more per month to get caught up or in a position to receive a deferment, but this forcing me to pay whatever they want me to pay isn't in my budget and I will soon be getting my utilities shut off if I have to try to keep up with paying nearly {$1000.00} a month to Santander XXXX XXXX. I don't disagree they want the money I am behind but this is an abusive tactic to try and force basically an extra payment a month. How is this truly helping?
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MO)

Contacting credit bureaus with outdated information.The account is too old to be on file at least 10 years old!!. Jefferson Capital just wants me to contact them so they can try and collect on a ten year debit that all three credit bureaus removed last year from my file last year only for Jefferson Capital to try this stunt after the new year. No record of no payment EVER.
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

My name is XXXX XXXX. I am reporting a company. This is a company by the name of Jefferson capital SY on behalf of XXXX phone company this was open on XXXX account # XXXX. XXXX keeps putting this back on my credit report under a different name and it keeps getting removed by the XXXX XXXX and XXXXXXXX XXXX this was open fraudulently and I need it to stop immediately of you have any questions I can be reached at XXXX
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (NC)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX ...., XXXX XXXX  XXXX ...., XXXX XXXX XXXX XXXX ... .., XXXX XXXX XXXX XXXXXXXX ...,, XXXX XXXX XXXX XXXX..XXXX XXXX XXXX XXXX ... .., XXXX XXXX ... .XXXX XXXX XXXX XXXX  ... .., has violated my rights. 

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
Consumer complaint received 2024-02-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCF Intermediate Holdings LLC (MD)

Received an e-mail from Speedy Cash XXXX XXXX XXXX XXXX. The E-mail address is XXXX ; XXXX ; Their case number for this is : XXXX On XX/XX/XXXX, I received an e-mail from Speedy Cash Loans stating that I owed them {$1800.00} from XX/XX/XXXX. They requested a settlement of {$1200.00}. If no settlement or payment is received they would commence with litigation for {$8600.00} for all legal fees, they threatened to inform my employer to take action against me. Their threats include e-mailing/faxing my employer to take strict action against me. They threatened that my salary and wages would be confiscated. If the debt is not resolved, they will contact the local sheriff and have me served with a summons at my residence.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

We epened on RV loan with Bank of America on XX/XX/XXXX this account was charged off on XXXX XXXX and reported closed to all 4 credit agencies we had an savings account with Bank of America, the first week of XX/XX/XXXX Bank of America made an unauthorized withdrawal of {$28000.00} from our account and applied it to the closed account on XX/XX/XXXX the account was reported closed again we filled an complaint with your office ( CFBP ) on XX/XX/XXXX and the money was put back in the account now Bank of America is reporting the account open to the credit agencies I have disputed this with all 4 credit agencies.
Consumer complaint received 2024-04-15
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. (IL)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-02-22
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Goal Structured Solutions, LLC (GA)

I originally created an income share agreement with XXXX XXXX while I was a student  at XXXX University. The income share agreement was marketed specifically as not being a loan, and used institutional branding as well as an official university website to gain interest, in violation of Title 34 Part 601.12 which prohibits institutional cobranding. Before time for repayment came, the original servicer ceased to exist and outstanding accounts were transferred to Launch Servicing. When attempts to collect were made I was made aware by external parties of the misconduct made my the original servicers and as such I made Launch aware that I did not intend to pay for an agreement made in breach of federal law and in bad faith on the part of XXXX. They have since contacted a collection service to contact me about this debt.