davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (MO)

on XXXX I notified Robinhood about purchases made to a particular vendor with my digital Master Card issued by XXXX XXXX. I inquired about filing a dispute for purchases not received. I tried to work with the merchant directly and the merchant continued to block me from my purchases. They wanted me to agree to new terms and conditions after the purchase in order to gain access to what I paid for. I provided Robinhood with the communication between myself and the vendor including them acknowledging my XXXX XXXX which had not been used and how they deactivated my account not allowing me access. They did this all because I noticed duplicate charges from them and inquired about them to the merchant. They would not respond and therefore I took recourse in disputing the purchases I made to this merchant as I do not have these purchases that I made. 

On XXXX I received notification from the merchant that they received the chargebacks. 

On XXXX I forward more communication to Robinhood confirming my XXXX XXXX with this merchant and how they had deactivated my account. 

On XXXX I received an automated message from Robinhood " Our processor investigated your claim and did not find sufficient evidence to conclude that an error occurred in your Spending Account because we are not responsible for the delivery, quality, safety, legality, or any other aspect of goods and services that you purchase from others with your Card. '' I feel they are using the term Spending Account to get around doing their job because I used a Master Card to pay this merchant. 

If I do not have access to what I purchased and I have a right to file a dispute based on me not getting my purchases, then why would I be denied and basically told I didn't have a right to dispute getting these purchases in the first place as their reason? 

I do not feel confident that my claim was filed properly or that anyone actually looked at the case. They did file the chargebacks to the merchant as the merchant notified me of such. If the merchant had compelling evidence I have a right to see that evidence and dispute it as I do not have access to these purchases as shown in the documentation I provided to Robinhood.

I have attached the repones I got from Robinhood regarding my dispute. I attached my receipts from the the merchant showing what I purchased. I also have attached proof from the merchant of them deactivating my account and confirming my XXXX XXXX I will not agree to new terms and conditions after a purchase and I question the ethics of a business that would deactivate someones account without any explanation because I inquired about duplicate charges. I bought these coins and I do not have access to these coins or the ability to use what I paid for. At his point due to how the merchant has handled my account I no longer even want them.
Consumer complaint received 2023-08-29
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)

My credit report is showing late payments to XXXX XXXX. This payment was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Consumer complaint received 2023-11-21
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (IA)

Date XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : This is concerning Account Number : XXXX I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and have never received alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 
Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you attempt to post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, this unauthorized public record information needs to be deleted. I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim you failed to respond within 30 days verifiable proof and evidence thats satisfies Federal Trade Commission debt validation guidelines.

The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 
Since you have failed to provide me with ALL the following points of information all COLLECTION ATTEMPTS MUST STOP and all information that pertains to Account Number : XXXX, Name, DOB, SSN must be deleted /IMMEDIATELY REMOVE/delete tradeline : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

2. The agreement bearing my signature stating that I have agreed to assume the debt from Original creditor or XXXX XXXX XXXX 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations in ( Iowa ) has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent or Agent of Service.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees.

If I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of several of the FCPDA and consumer laws, and are now subject to fines of {$1000.00} or more per violation, plus actual damages and attorneys fees. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (TX)

First off, Roundpoint is a dreadful company and should not be in business. I would NEVER do business with them if I had a choice. The only way they can get customers is to buy mortgages b/c no one would use them otherwise. Months ago, I questioned my escrow " shortage '' b/c they jacked up my mortgage by 15 % a month. It took them months to respond to tell me -- it's right, get over it. Then just last week I got a refund because they overestimated. Imagine that! 

Now, I log in today, XX/XX/23 to make a payment on my loan, and they have auto pay turned on and no way to edit it! I did not turn that on, and when you click the edit button, it's grayed out. I've never missed a payment, never been late. When you call, you can't get a person. They don't have a chat feature. They have a " request call back feature '' and they don't return calls. 

I want auto pay turned off and I want the ability to choose who services my mortgage.
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Westlake Services, LLC (TX)

I was approved for a loan from XXXX XXXX through covered care powered by Westlake portfolio management. I was supposed to be issued a refund, 10-14 business day from XX/XX/2023 in the amount of {$900.00}, for services not rendered. I have called multiple times over the past few months and I have yet to receive any correspondence from them or my money.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WI)

My application for credit was declined based on what their employees called the " Solid XXXX '' rule. Meaning XXXX or more new accounts in the last 2 years, is an " instant denial '' for a new line of credit. This being a specific practice of theirs, was not posted anywhere on their application, nor terms of the application. 

I contacted Chase Bank on XX/XX/2024 and was escalated to their review team, seemingly to resubmit my application which I did not want to do. They provided no path for me to escalate the matter that I was completely mislead in their application process. Again, had their specific " XXXX '' rule been posted even in the terms and conditions of their application, I would have avoided applying. 

Because of this new hard inquiry that could've been avoided by posting the actual terms of a credit application, I am now not likely to receive lines of credit from any other financial institution for up to 24 months, or longer. I will certainly not be able to do so with a satisfactory interest rate.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NC)

Self XXXX builder is paid off. This account has been closed since XX/XX/20 as a one ( XXXX ) year contract. This account still remains on my credit report as revolving account, even though it is closed. I would like this account to be removed from my credit report immediately
Consumer complaint received 2024-01-25
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/XXXX I made a payment of {$570.00} to my XXXX XXXX XXXX credit card to cover the remainder of 2 promotional balances that were ending. I then called Bread Financial that services this card to have the payment allocated to the promotional balances and then the remainder towards my open balance being charged interest. I was told I needed to call back in 24-48 hours so that the money is in their system. I called back in 2 days, the money was already transferred from my bank and showing up online in their system, they told me it was too soon and I needed to wait till XX/XX/XXXX which is now 8 days later and after the close of that current statement. Now I was unable to have those funds allocated. Then I make another payment of {$180.00} on XX/XX/XXXX to cover a promotion ending on XX/XX/XXXX and I wanted the remainder of that payment used to pay off my interest bearing balance. They told me I cold not do that. The extra amount will first go towards promotional balances ending in 60 days and then anything after that will go towards the interest amount. Well I have several open promotional balances that will always be 60 days off so that any payment I make will go towards those and I will never be able to make a direct payment to the open balance which is accruing interest. The customer service person on the phone told me that this system is setup to save me interest. I said how? I'm always getting charged interest on this balance. She said well it saves you the accrued interest on the promotional balance. And I said sure but I want to pay off my balance that is getting charged interest now and then 60 days from now, pay off the promotional balance. She told me I can't do that. It seems illegal to not allow me to pay a balance that is costing me interest.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Subject : Request for Removal of Fraudulent Accounts Dear XXXX XXXX, Experian, XXXX I am writing to inform you that I, XXXX XXXX, have been a victim of CPN ( Credit Profile Number ) theft. Multiple accounts have been opened, closed, and maintained in good standing without my authorization. I have no knowledge of the individuals responsible for these actions. My address was used but a forwarding address was submitted in connection with this scam. 

Below is a list of the fraudulent accounts that appear on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the local police, and I have been advised to file a complaint with the XXXX ( Consumer Financial Protection Bureau ). My CFPD complaint number is [ Insert XXXX Complaint Number ]. 

I have attempted to resolve this matter directly with your bureau, but I was informed that providing the XXXX complaint numbers is necessary. Therefore, I kindly request that you investigate these fraudulent accounts and remove them from my credit profile at the earliest convenience. 

Please find attached copies of relevant documentation, including the police report and any other supporting evidence. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and assistance in resolving this identity theft issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc. (TX)

XXXX XXXX XXXX was hired to provided surveying services in XXXX. All invoices were paid in full. Vendor sent a duplicate invoice in error and noted such error in a phone call sometime in XXXX. Vendor was going to check on the mistake and follow up. This never occurred. XX/XX/XXXX a collections was placed on my credit file from southwest recovery, subsequent calls and e-mails to XXXX XXXX were not returned. A dispute was filed through XXXX and apparently a decision was made within 3 days of the dispute for the collection to remain. This indicates to me that someone in the chain ( XXXX, southwest recovery, or XXXX XXXX ) acted unethically as there is no evidence of this account being valid and no communication with me regarding its existence. It seems unreasonable to assume in a matter of XXXX or XXXX  days that all parties were contacted, information was then provided, and a decision was ethically made. Furthermore, I believe Im entitled to see this invoice alongside the invoice which I paid in full to ensure its not a duplicate. If this is fact a bill that was unpaid, a simple acknowledgement of the outstanding invoice and proof of its validity would result in it being paid. Is that not the goal?
Consumer complaint received 2024-01-08
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. (FL)

I have disputed two hard inquiries on my Equifax credit report : ( 1 ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX I have contacted Equifax a total of 3 times for the purpose of disputing these inquiries, as I have never had any contact with these two businesses or given them permission to make hard inquiries on my credit files. 

I first contacted Equifax on XX/XX/XXXX by filing an electronic dispute. Equifax completed this " investigation '' within 7 days with their determination being that the inquiries was valid and would remain on my credit report. I then wrote to Equifax on XX/XX/XXXX requesting that they provide documentation to support this, but never received any response or confirmation that my information was received. Finally, I filed a second electronic dispute of these two hard inquiries on XX/XX/XXXX. This time Equifax claimed to have finished their " investigation '' in less than 24 hours with the result being the same as the first dispute. 

As I have stated, I have never had any contact with these businesses and these hard inquiries should be deleted from my credit report immediately. I previously requested that Equifax provide me with proof that these companies were given the proper authorization to conduct these hard inquiries, by providing a signed contract or other supporting documentation. Equifax has failed to do so. 

Furthermore I believe that Equifax has failed to conduct reasonable investigations into this matter in violation of the FCRA and US Code 1681i.
Consumer complaint received 2023-08-02
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: Bepensa Capital, Inc. (NJ)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (GA)

I took out a title loan last year around XX/XX/XXXX the hardship was concerning having to get a loan to pay off a bill. the loan was for {$900.00} dollars. I was on time but missed a few payments by XXXX day which caused my loan to rise and made it harder to manage to pay.In XX/XX/XXXX my bank account was deeply compromised and all my funds in each banks had to be closed .My social security number was found to may have been also compromised XXXXThere credit applications for housing in New York as well as large purchases in restaurants and lumber transported to a an address in XXXX. I filed a complaint with the banks that the accounts were compromised and an investigation was set in place. I contacted all business which included TitleMax who added another signing raising the amount owed. Then on the next month I received a letter from Title Max that my file with them may have been compromised.There wasn't a change in their policy that was set aside for my concerns.I could not pay them the XXXX and called the Georgia Customer Office who told me that they do not handle cases such as mine and that i should contact the Title Max in XXXX Georgia .I did as such and the agent there was not of my care or concern and we were soon screaming into the phone that the notice sent did not have anything in place for bank issues or any other way to fix my problem that progressively I would have to pay an upgraded fee and that I am still locked into this loan.