davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (TX)

i opened up a brokerage account with Robinhood XXXX and i deposited {$900.00} into the account but since i deposited the {$900.00}, Robinhood put a restriction on my account that has made me not to be able to withdraw or do anything with my own hard earned money. I have complained and I have also done every single thing that they have asked me to do but they are not doing anything about my issue of not being able to access my money, each time I call or chat with them on their live chat menu, all they say is that my case has been transfered to there email Custormer care department and that I should be expecting them to follow me on up through email. Robinhood have seized my money for no reason at all for almost 2months and counting .... I don't know what do about this issue anymore, please I need help getting my money back from Robinhood XXXX
Consumer complaint received 2024-03-08
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. (CA)

This is my several endeavors 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, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>XXXX XXXX
Consumer complaint received 2024-03-08
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. (PA)

I reviewed my consumer reports and noticed that I had four late payments on my XXXX  account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act, the accounts listed below have breached my federally protected consumer rights on accurate credit reporting. 

XXXX XXXX # XXXX is in violation of the Fair Credit Reporting Act by inaccurately reporting information to XXXX, XXXX, and Experian. 

Upon reviewing my credit report, I observed discrepancies in the last activity dates- XX/XX/XXXX, with XXXX, XX/XX/XXXX, with XXXX, and XX/XX/XXXX with Experian. Furthermore, XXXX  XXXX has Inconsistencies in my payment history across the three bureaus, which contravene the Federal Credit Reporting Act. For Instance, XXXX  XXXX, reported a timely payment on XX/XX/XXXX, to XXXX but failed to provide any record for the same date on Experian and XXXX. Similarly, the reported on-time payments for XXXX to XX/XX/XXXX to XXXX but omitted this information from Experian and XXXX. Additionally, XXXX XXXX 's payment history percentages differ across bureaus- claiming a 98 percent payment history for XXXX XXXX while indicating 94 percent for XXXX AND 93 Percent for Experian. These inconsistencies require immediate correction to align with the accurate reporting standards mandated by the Fair Credit Reporting Act. I would like this removed totally from my account. 

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Consumer complaint received 2022-11-26
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. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and605A(b) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (FL)

Receivable Performance at XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of {$1900.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I am filing this identity theft report in response to the derogatory remarks that HSBC BANK and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with HSBC Bank. However, HSBC is reporting a fraudulent account to the credit reporting agencies with a balance of {$5200.00} Immediately after I noticed this account, I contacted HSBC BANK. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that HSBC BANK can remove the fraudulent and derogatory remarks they report on my credit report.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2023-07-13
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. (MA)

This is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MI)

I have a checking account with an joint owner. The joint owner transfer like {$4500.00} into our checking account on XX/XX/year>. I knew my debit card was lost but I thought it was somewhere in our home. Come XX/XX/year>XXXX  we realize my debit wasn't in our home simply because {$4100.00} of none authorize charges was pending in my account. We immediately contacted Navy federal Credit Union about this and they immediately locked me out of my online banking app so I couldn't dispute online nor over the phone. We had to put it in writing. Which we did several times and got around. They would say they never got it or they got it and things weren't clear. This went on for a week straight. On XX/XX/year> we finally get access to the account by that time we were already headed to the Ohio branch because Michigan does not have a local branch. The Banker at the branch help us got all the cards closed and reissued and help us with the fraud claim and advised us to make a police report. XX/XX/year> we call navy federal back to update the fraud claim with the police report and was informed the claim was closed because they seem no fraud was taking place. But on the XXXX of XXXX the bank teller advised us that someone name XXXX XXXX was trying to pay their internet bill with his card during that time reason for the return fee. We didnt make these transactions at all. Not understanding why my account wasnt flagged for these activites or even notify me about the investigation. I have then put in an appeal. If nothing get resolved or if the investigating team doesnt contact me, I will take a further step in getting a lawyer involved.
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX is still listed under my personal information.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX XXXX XXXX is a third party company who, brought off a Navy Federal Credit Union Account from another 3rd party company from XXXX. The account is an old charge off from XXXX into XXXX with Navy Federal Bank. Who XXXX XXXX XXXX, states on a letter sent out XX/XX/XXXX that Navy Federal Credit Union is the original account owners. 
The 3rd party company in XXXX must have sold XXXXXXXX XXXX the Navy Federal Credit Union information as of XX/XX/XXXX in order for this XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX to submit a threatening letter on a charged off account. 
The updated information on my credit report made it seem as if this is a brand new account but, its a charge off originated from another company. When I had no dealings with any third party companies in order for them to retrieve my social security number to update my credit report with their information. Which is a fraudulent attempt to collect a debt on a charged off collection account. The letter to receive monetary on an account that I never did business with their company nor has Navy Federal Credit Union contacted me in three years to dispute these actions. It would be considered fraudulent to input on my credit report they were a collection company I had an account with as of XXXX
Consumer complaint received 2022-11-23
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I am writing to file a formal complaint regarding the repeated failure to remove charge-off accounts from my credit report, despite multiple attempts to rectify this issue. 

It has come to my attention that despite providing evidence of fraudulent activity and sending an FTC fraud report as mandated by section 605b of the Fair Credit Reporting Act ( FCRA ), the following charge-off accounts have not been removed from my credit report : These accounts were opened without my consent or knowledge, and they are clearly the result of identity theft. As such, it is imperative that they are promptly removed from my credit report to prevent any further damage to my creditworthiness. 

I have made numerous attempts to resolve this matter through proper channels, yet the accounts remain on my credit report, inaccurately reflecting upon my credit history. This persistent failure to address the issue not only violates my rights under the FCRA but also undermines my ability to secure credit and financial opportunities. 

Therefore, I am formally demanding the immediate removal of the aforementioned charge-off accounts from my credit report. If you maintain that these items are 100 % accurate and verifiable, I require copies of any documentation associated with these accounts bearing my signature. However, I can assure you that no such documentation exists, as these accounts are a result of identity theft. 

Please be advised that if the requested action is not taken within four business days, I will have no choice but to escalate this matter and seek legal recourse. I am committed to resolving this issue in a fair and lawful manner, but I can not tolerate continued negligence and non-compliance with the law. With this, I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00}.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc. (NY)

In XX/XX/XXXX, I leased a Tesla in downtown XXXX. This is XXXX and folks don't have garages with chargers. Tesla sales assured me that they were rapidly building a network of public chargers and it would not be a problem. As of today, XX/XX/XXXX there are no new Tesla chargers closer than XXXX, New York. Which means I need to drive XXXX miles round trip to charge the car... multiple times per week. So essentially XXXX XXXX of the miles allowed on the lease are used up to charge the car... .They should give me credit for that mileage as it is a substantial amount of the miles allowed under the lease. 
Since human beings are essentially unreachable at Tesla and my emails to XXXX are not returned, there is no way to get them to respond. 
thank you
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I went to XXXX XXXX they said my classes would transfer over to another college they lied. They also said at the end of the classes we would have job placement which did not happen.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo advertises that they may make funds available for direct deposit payroll checks two days early for payroll checks, pensions, and government assistance checks. 
Since XX/XX/23, I have received my payroll check two days early into my account. I work for a government agency. Due to this, I was under the impression that would be the process going forward. I then scheduled bill payments based on this. This is a pay week for me and I believed the money would be in my account on XX/XX/23 as they have practiced this in the past. The actual pay date is XX/XX/23. On XX/XX/23, the money was not applied and I incurred overdraft fees based on the bill pay I had scheduled. On XX/XX/23, I contacted the Wells Fargo Customer service line and spoke with an agent. The agent stated that the two day early funds program is not guaranteed and is not always available. I understand that and the same verbiage is listed on their website, however this a is payroll check from a government agency in which the funds have already been sent. There is no difference in the account of where the payroll check is coming from nor is the amount different. I am paid the same amount every two weeks. It is not best practice to allow early deposits on some payroll deposits and not others on the same customer account. I asked for the overdraft fees to be reduced and the agent would only give a partial credit. When I ask for a supervisor, the agent stated that they could send it for another review while I was on the phone with them. Then the agent came back and credited the entire amount. Wells Fargo continues to enter into deceptive practices that marginalize those who make minimum wages and struggle to pay bills. I plan my bill paying around the days when I have seen the funds available. I will tell you I will never make that mistake again, nor will I rely on Wells Fargo to make my funds available early. At this point, they are making it look like they are helping their customers by offering early pay day but that is not what is truly happening. If I had not pushed to speak to a supervisor and accepted the partial credit, Wells Fargo would have profited off the mistakes I made due to believing that they are truly doing the right thing with their customers by offering early bill pay. Consumers should be educated on this practice and how it can be deceptive since Wells Fargo picks and chooses at their leisure to provide a consumer with the funds early or not. There needs to be a standard that is followed to see that once a consumer receives funds early, this would be the case with every payroll check going forward.
Consumer complaint received 2023-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (GA)

The company called me repeatedly from sun up to sun down non stop My current husband who is not responsible for my debt was contacted on his company cell phone, the representative told him that I owed them an obscene amount of money which was before our marriage and tried to get him to pay on that debt. This was done on XXXX XX/XX/2023 at XXXX