davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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. (SC)

XXXX, EXPERIAN AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE 5 NEGATIVE REPORTING TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT.. I WOULD LIKE TO STATE THAT PURSUANT 15 USC 1681 ( a ) ( 1 ) that THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, EXPERIAN AND XXXX TO REPORT THESE INACCURACIES IT HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH GOD. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (WA)

Robinhood Markets , Inc., XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXXXX/XX/2023 - My entire stock portfolio was liquidated without my consent. A money transfer for {$16000.00} was initiated from my personal bank 's checking account to Robinhood, without my consent. I notified Robinhood on XX/XX/2023 of a possible security breach with my account and an investigation was allegedly initiated ( case # XXXX ). I never heard from them again. Access to my account has been blocked. Emails are not returned. Customer Service can only be accessed via an online account or by using the mobile phone app. My access to both has been blocked.
Consumer complaint received 2022-10-20
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. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX and # XXXX They have violated my right to privacy under 15 USC 1681 section 602 A which states I have a right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any information other than records of convictions of crimes which pre date the report by more than 7 years.
Consumer complaint received 2022-10-20
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-20
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. (FL)

I have called XXXX XXXX several times to tell them that I NEVER had an account with them. They insist that I did and refused to fix it so I paid this account in full even though I did not ever have an account or card with them ( I suspect its fraud ). It was such a low amount it was not worth hurting my credit when that is the ONLY derogatory thing on my credit. I asked what was the balance and she said {$270.00}. I then asked if it was a secured card like she originally told me that it was opened as a secured card with {$200.00} how could the balance be {$270.00} if the secured limit was only {$200.00}? She put me on hold and came back and said there were fees accrued that caused the extra amount and they could offer a settlement for less than the amount or I could pay it in full. After she explained what the consequences would be with the settlement, I opted to pay the amount in full. That was in XXXX of XXXX. Now it is XX/XX/XXXX and it STILL shows past due {$67.00} and delinquent. The information is erroneous, inaccurate and fraudulent. You can see the inconsistent information on the attached credit report. I This is unfair and unethical because it is not fair credit reporting. It says last activity in XXXX but last payment XX/XX/XXXX. That is inaccurate and must be removed as per the FCRA.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (CT)

Loan modification application XX/XX/XXXX. 
Phone call from mortgage counselor at loan company, XX/XX/XXXX, stating approval for $ XXXX from modification. 
Since XX/XX/XXXX, XXXX by month Im told a different payment amount. {$1200.00} and {$1700.00} ( my original loan prior to modification was {$1700.00} ) Finally by phone call, of this year, ( XX/XX/XXXX ) the mortgage company admitted to an error, by not including town tax for the monthly payment. 
All I stated, was wanting something in writing of the error and breakdown of the loan payment with the modification approval and that my new payment is. ( {$1700.00} ). Never received anything. 

Again, month by month Im still told different amounts of {$1200.00} and {$1700.00}. I made payments with different amounts depending on what the loan counselor said was approved on their end at that time. Still with every phone call inquiring on finalized documentation. 

This wasnt rectified during the modification trial until XX/XX/XXXX, stating false information, that I canceled my modification. Followed by a certified letter on XX/XX/XXXX of default and needing to pay XXXX or face foreclosure. 

The mortgage companies justified this by stating I didnt pay the correct amounts of $ XXXX. Again, over the past year Ive made numerous calls ( from their recorded line ) for anything in writing stating what my mortgage payment is. Nothing was ever provided. 
Supervisors are avoiding my calls. Ive received no return phone calls with my requests for clarification and they are NOT accepting any monthly mortgage payments from XXXX to present.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXXXXXX XXXX reported to Experian late payment of {$50.00} dollars which is incorrect. Experian reported these business open but account closed by creditors in good standing XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I would like my Credit score restore to the much higher score as before. Thanks
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

Before any of this happened I got a call asking for my personal information without them sharing the company name or why they were calling. I said I dont feel comfortable without knowing who I am talking to. They still refused to tell me so I hung up and recalled the number and it was southwest credit systems. 
All from this year of XXXX XXXX XXXX  -Wednesday - XXXX XXXX XXXX XXXX XXXX XXXX Thursday - XXXX XXXX XXXX Thursday- XXXX XXXX XXXX Friday - XXXX XXXX XXXX Tuesday XXXX Spoke to them on Thursday XX/XX/XXXX XXXX for 25min I verbally asked them to send a letter for debt validation which I never received ( they said they sent one, not true ) and a request for the amount they claim I owe. They said they would send that out to my address and they confirmed my address. They kept saying that if I paid today it wouldnt damage my credit score and that if I waited I would be sent to the credit bureau. In response i said I was not going to pay a debt that very well may not be mine and that I dont even have proof of debt. 
They have since called me from numbers XXXX ( XXXX ) XXXX on XX/XX/XXXX and XXXX ( XXXX ) XXXX on XX/XX/XXXX a Saturday And again on Sunday XX/XX/XXXX XXXX ( XXXX ) XXXX I did look up and they are not supposed to contact me for a few days after initial contact, right? 
XX/XX/XXXX @ XXXX XXXX Called again XXXX @ XXXX on XX/XX/XXXX Again XX/XX/XXXX same number at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX at XXXX XX/XX/XXXX XXXX @ XXXX XX/XX/XXXX XXXX @ XXXX Im sure come Monday Ill have more calls to add to the list. That is another thing that goes against the fdcpa rules, correct? 
Ive been dealing with constant calls. And I dont even know if this debt is mine.
Consumer complaint received 2023-09-08
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: Experian Information Solutions Inc. (TX)

I've discovered inaccuracies on my credit report ( s ). I've reached out to XXXX and XXXX, and Experian regarding inaccurate reporting to no avail. 

There's a fraudulent inquiry on my XXXX report from a company listed as XXXX, I never gave permission to this company and/or any person to access my credit profile. Please delete this fraudulent inquiry. 

I have reason to believe someone living at a former address has/have access to my personal information. 

XXXX has inaccurately listed my FORMER address as my current address. 

I would like to have all former addresses deleted, XXXX XXXX XXXX XXXX XXXX, Tx XXXX and XXXX XXXX XXXX XXXX XXXX, Tx XXXX Furthermore, XXXX has repeatedly ignored demands to remove information that is inaccurate and/or fraudulent. 

I have never been associated with the following address : XXXX XXXX  XXXX XXXX  XXXX, TX XXXX My Employer is inaccurate and/or fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX All of the following phone numbers are not mine and should be deleted immediately as well : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Experian issues as follows : Name ID # XXXX Address ID # XXXX All inaccurate, and should be deleted immediately.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I have contacted XXXX, Equifax and XXXX multiple times requesting they remove this information off of my consumer report. They have failed to remove information. Below are documents sent to them to remove and update all information! I would also like opt out of the arbitration clause in their agreement.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit Bureaus continue to violate the fair credit reporting act : According to USC 1681 ( 5 ) the credit bureaus have to modify or delete account that are not reporting accurately.

According to 15 USC 1681b ( i ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 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. 

Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX I was a victim of a XXXX spoof situation. I received a phone call from my mothers phone number while she was out of town. There was screaming women in the background who knew my name along with a male saying " he would XXXX XXXX mothers XXXX XXXX  if I did not send money. '' I complied and sent {$1200.00} to @ XXXX during this XXXX call. Further disturbing details can be found in the police report and venmo_fraud report attached to this submission. After the call I immediately attempted to contact Venmo with no luck as they do not have a contact number listed. 

Since I could not reach Venmo I filed a dispute with the bank who agreed with my dispute and blocked the charge from Venmo. Once the bank approved of my dispute and blocked the charge Venmo " froze '' my account put a {$1200.00} on it hold threatening to send me to collections. During this time I received XXXX payments for miscellaneous things such as food, utilities, ect. adding up to {$1000.00}. Venmo took this money from my " frozen '' account and contributed it to the {$1200.00} hold from the XXXX situation. 

On XX/XX/XXXX I realized there was a chat in the Venmo app which was the only way you can start a dispute claim. I was able to start a dispute here. As you can see in the attached file " Venmo Dispute1 '' my dispute was automatically denied on XX/XX/XXXX without any request for information. In " Venmo Dispute2 '' you will see a chain of emails from XX/XX/XXXX through XX/XX/XXXX going back and forth with no help or insight whatsoever with Venmo. I don't believe they were actually reading my emails, just automatically responding with immediate denials. 

The denial response on XX/XX/XXXX even states " Unfortunately, based on the information you've provided, it sounds like the person you were transacting with did not fulfill their end of the transaction. For resolution, we recommend that you reach out to the recipient of the payment, as we are not able to provide reimbursement or mediation in this instance. '' What exactly does " It sounds like the person you were transacting with did not fulfill their end of the transaction '' mean? Were they supposed to pull the trigger? 

I also called the number listed on the collections emails, XXXX XXXX XXXX XXXX, on XX/XX/XXXX only to be hung up on after being transferred to their poor excuse of a customer service department. 

I believe the way Venmo has handled this situation is near criminal given the time wasted and fact that they automatically are holding {$1000.00} of mine. 

I look forward to hearing from you.
Consumer complaint received 2023-04-28
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. (CA)

To whom it may concern : TransUnion XXXX XXXX XXXX XXXX, PA XXXX I have the right to dispute any inaccurate information on my credit report, as mandated by the Fair Credit Reporting Act. The data included in my credit report must be documented and validated before it is used by creditors, so I take this seriously. The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX TransUnion I just received my credit report and was shocked to find this inquiry on it. As you know, this is not something that should have been reported! The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all! 
Regards, I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2023-11-11
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. (GA)

I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I noticed the presence of inquiries that I did not authorize or initiate. I understand that my credit report should only include inquiries that I have explicitly consented to, and any unauthorized inquiries may negatively impact my credit score. 

Below are list of unauthorized inquires that need to immediately be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am well aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. According to these statutes, I have the right to dispute inaccurate or unauthorized information on my credit report. I kindly request that you investigate the aforementioned unauthorized inquiries promptly and remove them from my credit report as per the following legal provisions : Fair Credit Reporting Act ( FCRA ) : Section 609 ( a ) ( 1 ) : Requires that consumer reporting agencies provide consumers with a copy of their credit report upon request.

Section 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute inaccurate information on their credit reports.

Section 611 ( a ) ( 2 ) : Mandates prompt investigation of disputed items by the credit reporting agency.

Fair and Accurate Credit Transactions Act ( FACTA ) : Section 113 : Prohibits the inclusion of unauthorized inquiries on a consumer 's credit report.

Consumer Financial Protection Act ( CFPA ) : Prohibits unfair, deceptive, or abusive acts or practices related to consumer financial products or services.

I kindly request that you provide a written response within the statutory timeframe acknowledging the receipt of this dispute and detailing the results of your investigation. If the inquiries are indeed unauthorized, I expect them to be promptly removed from my credit report.

Please send all correspondence related to this matter to the address listed
Consumer complaint received 2018-12-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc. (CT)

I turned in my XXXX XXXX XXXX on XX/XX/18. I received an incorrect tax bill for an entire year which I resolved with the town providing proof of early termination. I had contact XXXX XXXX and they stated they would do an abatement. The town has returned the excess money for taxes back to XXXX XXXX. XXXX XXXX stated Since XX/XX/XXXX they would send a corrected bill. I have received numberous phone calls from XXXX XXXX where they are not reading their own notes that this under abatement. They call my place or work, cell and wifes cell 2 to 3 times a week  looking for payment on the wrong amount. Every conversation ends with an apology and they will get a corrected bill out. My last conversation was with a supervisor by the name of XXXX and her employee id is XXXX. I'm simply asking for my correct bill so I can pay but we are continually harassed.
Consumer complaint received 2022-10-20
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. (FL)

I have called XXXX XXXX several times to tell them that I NEVER had an account with them. They insist that I did and refused to fix it so I paid this account in full even though I did not ever have an account or card with them ( I suspect its fraud ). It was such a low amount it was not worth hurting my credit when that is the ONLY derogatory thing on my credit. I asked what was the balance and she said {$270.00}. I then asked if it was a secured card like she originally told me that it was opened as a secured card with {$200.00} how could the balance be {$270.00} if the secured limit was only {$200.00}? She put me on hold and came back and said there were fees accrued that caused the extra amount and they could offer a settlement for less than the amount or I could pay it in full. After she explained what the consequences would be with the settlement, I opted to pay the amount in full. That was in XXXX of XXXX. Now it is XX/XX/XXXX and it STILL shows past due {$67.00} and delinquent. The information is erroneous, inaccurate and fraudulent. You can see the inconsistent information on the attached credit report. I This is unfair and unethical because it is not fair credit reporting. It says last activity in XXXX but last payment XX/XX/XXXX. That is inaccurate and must be removed as per the FCRA.