davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/XXXX at about XXXX PST, we attempted to buy concert tickets in the amount of {$100.00} through a XXXX party vendor. The payment was made via XXXX, which is used to transfer money between XXXX parties. This mode of transfer is accepted through the major financial institutions which will usually protect their consumers from theft/fraud. We asked the seller of the tickets for proof that the tickets were real and they sent us an image verifying their authenticity but required payment prior to sending the tickets. We sent the payment, assuming that the bank would provide us some sort of protection if something occurred. Unfortunately, the tickets were not sent and the seller would not answer any attempts of communication. We then called Wells Fargo to see if they would reverse the transaction but they said that since we authorized the transaction that it could not be cancelled or reversed. We feel that XXXX is very misleading because it does not advertise that it should only be used with friends and family and yet it is being supported by the major banking institutions that give you a false sense of security.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2013. Please delete this item immediately.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-11-26
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. (NJ)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I have proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing to help me with the removal of these accounts. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9900.00} XXXX  XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX Inquired on XXXX XXXX, XXXX  XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX Inquired on XXXX XXXX XXXX 2023 XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-05-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (FL)

Unjustified Account Restriction and Lack of Support from Robinhood Dear CFPB, I am writing to express my significant concern and distress regarding an unexplained restriction placed on my Robinhood investing account. On attempting to log in, I was informed that my account was restricted for my safety and that no action was required from my side. Contrarily, this restriction barred me from making deposits or withdrawals, directly impacting my ability to manage my finances responsibly, particularly in relation to paying down my margin debt, which was well within safe limits. 

Upon contacting Robinhoods support for clarification, the representative was unable to provide any reason for the restriction or outline any steps I could take, despite the message stating that no action was required. The interaction was not only unhelpful but also handled rudely, prompting me to seek assistance again through a different representative. Although the second representative promised to expedite my case to a supervisor, I received no further communication, and my access to the app was subsequently blocked without explanation. 

This situation has left me extremely irate, stressed, and concerned about the security of my funds and the integrity of Robinhoods customer service protocols. It is unacceptable to restrict access to ones financial assets without clear communication or justifiable reason, especially when purportedly done for the customers safety. 

I urgently request a thorough investigation into my case ( Case # XXXX ) and demand immediate and transparent action to restore access to my account and funds. 

Thank you for your attention to this critical matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (VA)

XXXX XXXX continues to say I owe them from over 2 years ago and they have been sending my info to various collection agencies and i have disputed them. When I pulled up my credit report I saw I had a collection agency, Credit Management LP, stating I owe collections on behalf of XXXX XXXX. 
I disputed this and it was removed from my credit report ; however it is now back and being reported to all three credit agencies. I contacted them on their website on XX/XX/2023 to dispute the debt and I asked to verify this debt and amount and asked them for an invoice statement from XXXX communication or a bill from XXXX showing the amount I owe and for what? Was it for their equipment? Or their internet/tv services? Etc. ( I have not used XXXX XXXX for years and do not recall owing them any money. And I have contacted XXXX about this ; however they state they cant see what I owe the money for because its been years and my account is locked and I need to call the collection agency, which makes no sense to me. ) Credit Management LP sent me a letter dated XX/XX/2023 stating they previously validated this with XXXX XXXX and their records, so I am responsible for the amount reference. They stated that since I did not provide any new evidence, they consider this outstanding balance valid and owing. In their letter, they also said they now consider this a frivolous dispute, and will not respond further, unless new information is provided. However they never provided me any information that I requested regarding a bill or statement that shows the amount that I owe from XXXX XXXX. I receive another letter from Credit Management LP dated XX/XX/2023 stating I owe them {$500.00} for XXXX XXXX but theyve also added on their own charges which they stated as fees of {$120.00}. The federal debt collections practice acts prevents them from being able to charge me fees, which they did in this case. 
They have not provided me any documentation that I asked for which is against my rights based on the federal debt collection practices act, and they have also added a fee, which is also against the protection act. This has not only caused me anxiety and stress, but due to my credit score being affected by this debt collector reporting this to all three credit agencies, now it has also affected my ability to get a car loan. 
They have blatantly said they will not respond to me any further without new information, violated my rights and the law by adding a fee, and have violated my right of requesting proof, like a bill or statement from XXXX XXXX by not furnishing any of that.
Consumer complaint received 2018-08-31
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: Early Warning Services, LLC (TX)

XXXX  XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with XXXX  XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2023-05-08
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. (UT)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 2024-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (MO)

XXXX XXXX XXXX reported me as a collection account and did not notify me beforehand that I had an account with them. I have received no contact from them at all before them reporting me to XXXX. I just sent a certified letter to XXXX XXXX XXXX today and have disputed the account with XXXX. There was no change to my credit report. 

I am sending a letter to XXXX tomorrow advising them that XXXX XXXX Investing has violated the rules of the FDCPA. XXXX XXXX Investing appears to be a predatory debt buyer who feels that rules do not apply to them.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

The company are breaking the law by the amount of Hard inquiries there putting in my credit report, XXXX XXXX, XXXX, have placed hard inquiries on my report on, XX/XX/2018-XX/XX/2018, and XX/XX/2018, without my permission, I've sent letters to them an the credit bureaus asking them to remove them, I never signed paperwork authorizing them to do this, could u please help me in this situation!!!
Consumer complaint received 2018-07-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

I have a Perkins loan through XXXX XXXX University in the amount of {$2800.00}. I am a XXXX XXXX and by law, I should receive a 20 % cancellation rate of my loan. My loan servicer is XXXX XXXX. I submitted all paperwork as requested, including the cancellation form and the verification of employment. I did everything XXXX XXXX requested and I received an e-mail from them indicating they received the paperwork. I called XXXX  telling them I received the e-mail and asking when the cancellation rate would be applied. They told me to give it one day to update in the system. I checked my account and the amount of my loan is still {$2800.00}. I am a XXXX XXXX XXXX   and should get a 20 % cancellation rate off my loan. Nothing has been applied.

I've called XXXX XXXX several times again and they are telling me different information. No one is helping me. First they told me it would my loan amount with the 20 % cancellation rate would be updated in one day. Now they are telling me to re-submit my paperwork, which I do not need to as I received an e-mail indicating it was received. They are not applying the 20 % cancellation rate and I need help. Please help me.
Consumer complaint received 2023-05-08
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. (GA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (CA)

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.
Consumer complaint received 2023-05-08
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

XXXX5 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 an account without my written instructions.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (SC)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2023-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

PayPal has decided that I am unable to do business with them when I never did anything wrong throughout my whole time on their application. For every item Ive sold I shipped within days provided tracking numbers and buyers have received all products within a timely fashion. Ive never sold unauthentic product on their platform but I am still being penalized by being told my account can no longer do business with them.
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

This debt was attempted to be collected by Afni last year they could not prove I owe the debt because I do not owe the debt had to be removed from my credit report. They have since sold the debt after removing it a month ago to XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX for {$1200.00}. They are now reporting this bogus debt to my credit report.
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CT)

XXXX XXXX XXXX claims I owe XXXX to XXXX XXXX. The policy was supposed to be canceled earlier than it actually was, it appears their rep ( s ) failed to do so when I called on or around Late XX/XX/XXXX/early XX/XX/XXXX. The balance stems from two months of coverage, the months of XX/XX/XXXX and XX/XX/XXXX I  believe. Failing to cancel when instructed is not my error, I refuse to pay this.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2018 I made a complaint against USAA because I felt like they did an inadequate investigation into a fraud claim I made. On XX/XX/2018, the bank called me back and somehow found me responsible after doing a " thorough '' investigation. I feel as if this decision was made because I made the first complaint. I've been trying to get this settled for almost the month long. I really thought the bank had its members best interest at heart but this shows me otherwise. They do not care about military members or veterans. I'm being told that because my pin was discovered and used that it's basically my fault that my account was robbed and I feel as though that is completely unfair. Every case isn't as black and white as these " rules '' in place and I've spoken with over 10 different people at USAA about this problem, all of whom agree that this is a situation that's out of my hands. I've only been able to to access my account once for about an hour in the last month. My money was stolen from my account as well in the amount of {$450.00}. I've explained time and time again how this has put my way below rock bottom because I needed my money to pay my last month of bills before I graduate. I feel like the bank isn't looking in the interest of the members when things like this come up and rather than looking at all the variables, it's down to a set of A or B rules. The bank is insured, I am not. My money is not insured and I thought the bank was my line of security against things like this. This is way I've filed a police report, called into the bank over and over. I've made claim after claim about this fraudulent activity. If I was responsible for this, I'm going through a lot to get myself caught I would say. It's at this time where I feel that my 8+ years as a member means nothing because I was even told by the fraud department that it would be best to just look for a new bank as this is a dead situation at this point. I never expected to go through something like this and it hurts me even more to know that this bank knows of my financial situation and how distraught I am at this time, yet they come back and tell me I'm responsible for XXXX of dollars worth of fraud on my account. I'm about to be homeless and I'm being told I can't even depend on my bank to have my back in trying times. At this point I have no idea what to do and I've gotten no help or insight from USAA. As I stated before, I haven't been able to access the account so I've been in the dark about this entire situation only to get told it's my fault. I'm just asking that someone who understands look over things. I'm not asking for XXXX of dollars back. I just want my account back in a normal status with my {$450.00} back. I've been more than cooperative with the bank throughout this entire process and yet I feel like I'm being treated as a criminal versus the victim.