davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION (CA)

XXXX complaint involves Truist Bank 's customer service giving erroneous information which impacted my credit score negatively and then later not admitting they made errors. Several months ago I received a past due notice regarding one of my loan account at Truist Bank. I quickly called them to follow up, as I had been paying the amount that was shown as due on the online portal. The phone rep assured me I could disregard the notice and that I had indeed paid the correct amount. The following month I received another notice, I again called Truist Bank and they again told me that I had paid the correct amount. 

Finally, I received a notice that I would be sent to collection for past due amounts. I called again only to learn I had in fact not been paying the correct amount ( as there is a confusing part of their online portal which gives a different amount depending on which section you click into. My wife and I have received notices from our credit report agencies that our credit score has been impacted. I escalated to a supervisor to request my credit report be fixed and to ensure I know exactly what is the correct amount to pay each month. She indicated she would file a request to review the previous calls to determine if a bank error occurred. I waited one week and they called to say after review it was determined no bank error occurred - even though I had twice called to inquire about the past due notices and been told to disregard. I am being sent to collections even though I have paid each month the amount that was listed. I am happy to pay what is owed, but I want the bank error corrected and my credit score restored
Consumer complaint received 2023-12-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (IL)

Flagstar bank is improperly collecting property taxes from a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  They have been unprofessional, rude, and untrustworthy for the past several months.
Consumer complaint received 2023-12-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation (MO)

Bridgecrest acceptance Corporation has damaged my credit by accusing me of being 30 days past due. The alleged account they continue to report to my consumer reports is under dispute! It is unlawful and a violation of 15 USC 1692e ( 8 ) to report false and inaccurate credit information to my consumer report. It is also a fact that an unrebutted affidavit of facts stands as true in commerce. I have proof that they received a notarized copy of the affidavit of facts on XX/XX/2023 and they have not rebutted the affidavit of facts or produce a remedy for their wrong doing.
Consumer complaint received 2024-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (CA)

I have an account with Robinhood and regular use their app for XXXX trading and transfers. 

On XX/XX/XXXX I had {$3000.00} worth of USDC transferred to a USDC account number that was provided to me in the app by Robinhood. ( I am including a screenshot of the address that Robinhood gave me- the transaction hash below shows that the funds were transferred to that account ) I have the transaction hash on the XXXX blockchain that proves that the transfer was successful. 

https : XXXX ( screenshot also attached ) The funds are now in the account that Robinhood requested I transfer the funds to.

Since the transfer i have not been able to access the funds through my Robinhood account. I have reached out to their Customer Support team 4 times. The first time I was told I would receive a response within 24-48 hours. I did NOT receive a response. Each subsequent time I was told the matter was being " escalated '' and that I would hear back from Robinhood. Each time- I received NO response back via the app or my email.

Robinhood is not giving me access to funds that are rightfully mine.
Consumer complaint received 2024-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (KS)

I checked in a rental car with XXXX. there was no damage upon my check in. The next day there was a door ding, probably from another customer returning thier rental car. XXXX wanted me to file false reports with the police, my credit card, and my insurnce company. I refused. they sent me to a collection agency.
Consumer complaint received 2023-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. I've been filing several complaints and getting the same results. This is not FAIR!! This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In accordance with the 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 an 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 then records of convictions of crimes which antedates the report by more then 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 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

My card was stolen and Chase will not re-imburse me for the money that was used when the card was out of my possession. 

Multiple transactions- {$870.00} Reference # XXXX I was also scammed and Chase will not re-imburse that money Multiple transactions- {$850.00} Reference # XXXX
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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. 

Account numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-09-18
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)

I reviewed my credit report on XX/XX/XXXX and found out I had 12 inquiries and only 2 where autorized and valid, Also I have collections i have no knowledge about, i also saw duplicate collections from a so called XXXX XXXX XXXX I have requested multiple times for a investagation, resolution & correction with proper actions this has not been taken place under the fair credit act. I have showing collections of some medical by XXXX XXXX XXXX this i have no knowledge and believe i being scamed on collection
Consumer complaint received 2023-12-16
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. (GA)

Transunion has allowed XXXX and XXXX XXXX report the same account without my consent. Easy pay and XXXX did not notify me or send a letter as per Fair Credit Reporting Act so I could dispute debt before being reported to the credit bureaus this alone is one violation, the second violation Transunion allowed company to report the same account twice without my consent and third it has caused tremendous damage to my credit report. Also Transunion stated the account was closed but I did not agree or sign any agreement with Easy pay finance or XXXX allowing them ti report or share anything with any credit bureau. I will be reaching out to my attorney not only has XXXX XXXX XXXX  and XXXX violated the laws Transunion did as well. I Per law this account does not meet the Fait Credit Reporting Act qualification to even show on my credit report. Each company will be slapped with three ( 3 ) individual lawsuits for this
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This consumer reporting agency is continuing to furnish inaccurate information on my credit report regarding the balance of my XXXXXXXX student loan account. The entire balance of my XXXX student loan account has been discharged and forgiven by XXXX, yet this consumer reporting agency continues to disclose a false balance.
Consumer complaint received 2024-04-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Property Receivables, Corp (FL)

Disputing Incorrect Charges on Debt Collection, I hope this message finds you well. I am writing to formally dispute certain charges listed on the debt collection account in my name, which were originally sourced from XXXX XXXX.Upon reviewing the documentation provided by your office, I have identified discrepancies that warrant further investigation. It appears that some of the charges listed may have been erroneously applied by the originating party, XXXX XXXX. As such, I request your assistance in resolving these discrepancies promptly.I kindly ask that your office provide a detailed breakdown of the charges currently listed on my account. Furthermore, I request that you liaise with XXXX XXXX  to verify the accuracy of these charges and to rectify any errors that may have occurred.It is essential to me that the information reflected on my account is accurate and fair. Therefore, I urge you to conduct a thorough review of the charges and provide me with an updated statement reflecting any necessary adjustments.Please acknowledge receipt of this dispute letter and provide me with a timeline for the resolution of this matter. Your cooperation in addressing this issue is greatly appreciated if we are not able to resolve the charges perform by XXXX XXXX this matter will have to be review by a lawyer .Thank you for your attention to this matter. I will be expecting your response promptly through email given that I need record of all the conversation hold by either party. 
Never reciben an answer from XXXX or XXXX which they impacted my credit. I have reached out many times to XXXX and never received anything and the debt collection office is not even telling me what the charge is on I have proof and emails that the charges to break down the lease where made.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-21
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: EQUIFAX, INC. (VA)

Recently XXXX XX/XX/year>XXXX  I looked at a copy of my credit report and noticed several inaccuracies on my account. These account listed below is hurting my ability to obtain credit. It's my understanding that EQUIFAX will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as accurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed incorrect information contained in my credit report in a letter dated XX/XX/23 ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. I thank you for your kind attention to this matter and hope to receive my updated credit report soon. The account in question is XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-25
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)

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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-24
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-16
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. (TN)

n 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. 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, 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 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. According to the IRS laws, the tax consequences of Charge-Offs, the IRS may view outstanding debt forgiven or canceled by the lender as part of your taxable income. I'm showing proof that this company XXXX XXXX XXXX XXXX  # XXXX is reporting to my credit account as a charge-off. In addition to this, A charge-off is considered a certificate of indebtedness so its considered income and income is not reportable and should be removed effective immediately.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX, Pa XXXX showed up on my credit report but Ive never lived there and the only address is still XXXX XXXX XXXX XXXX and it should be the only address on my file.