davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
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: American Credit Acceptance, LLC (TX)

Items where illegally ran on my credit. Not giving consent to do so by me.! 

american credit accept XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (GA)

I have used Robinhood to buy and sell XXXX for a long time. I went to withdraw yesterday and received an error that I needed additional verification. I had to upload a copy of my drivers license, debit card, and bank statement. Even after that, they say that the money will be held from 2 days to 60 days until the review the information I uploaded. I have transferred XXXX  of dollars over the year, and they claim withdrawals are instant. I have withdrawn in the past to the same 2 debits cards I use to deposit funds. They have a process where when you link a debit card to your account, you have to log into your bank account and find the code attached to a temporary withdrawal, and then enter that code in Robinhood to verify that you have access to that bank account and debit card. The amount is {$810.00}. Card ending in XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of  XXXX , Equifax and   XXXX   XXXX  .
As of today,   XXXX   XXXX  , 2017, I have not received a copy of my credit report from any of them this year.
I am applying for a mortgage and must get copies of my credit reports.
Please force each of these credit agencies to send me a copy of my credit report without further delay.
Consumer complaint received 2023-02-03
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. (NY)

The company, Experian has sent back a response for a credit collection where both the amount of the collection and the company are not what is owed to the collector. The company, Experian stated in a previously closed complaint that there was not specific enough of detailed information sent to them for the complaint to be processed. However, the specifications of the complaint are not missing any details. The collector is reporting through Experian an attempt to collect an excess of {$3500.00} in cash for an apartment which was not occupied after a 10 day notice was given by the landlord for complaints made by other tenants regarding a dog. The apartment was immediately vacated and there were some belongings which were later removed by the end of the month. The month which this occurred in was XXXX of 2021 The dog and the occupant, the person who the complaint is now being submitted by and for is not the person who resided in the apartment after the notice was given by the landlord regarding complaints about a dog. There was no option to stay in the unit because of the nature of the complaints and harassment by the maintenance woman residing inside the same building as the tenant household and dog. The apartment could no longer be safely occupied. The leasing company, XXXX XXXX still sent the collection to Experian regardless the apartment had been vacated. The amount exceeds any rental time of occupancy in the unit. There was also no clean running water in the unit past the month in question, XXXX of 2021. There were also several complaints regarding the police and the maintenance woman who blocked the sidewalk for the walkway to be used for entering or exiting the building. The management has since changed at the property in question. The collection is listed as XXXX XXXX XXXX XXXXXXXX and through a collection company the amount from XX/XX/2021.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (OR)

I was sent an application for a Discover card and I filled out the application and it stated that it would be checking my credit. It did not state it would take a hard copy of my credit. If it had stated it was going to take a hard copy of my credit I wouldve never applied and disregarded the entire application. I called Discover and she said I have to file a complaint to get this taken off of my credit report. I have worked very hard on my credit and now this happens and it can stay on for over two years. Its just insane. And she said I have to file a complaint to get this I did not know this is what they were going to do. Therefore, I have the right to tell them it is to be taken off of my credit report. I have worked very hard on my credit and now this happens and it can stay on for over two years its just so sad and puts me in a really bad place. As you know many things are not based on who you are. Its what your credit is. I am almost XXXX XXXX XXXX and XXXX. My credit score is my lifeline. I need someone to help me. Please.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CO)

I sent the company a message on their internal secure messaging system on their website on  XXXX / XXXX / 17 . I also attempted to call them on the same issue on  XXXX / XXXX / 17 .   XXXX  The problem is that they are not posting the  XXXX   XXXX   XXXX  Rewards Points to my account that I am owed.
Consumer complaint received 2023-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (PA)

I submitted a XXXX on XX/XX/2022, to MOHELA. Additionally, and based off new information received from the XXXX  regarding my XXXX tax returns, I submitted an additional XXXX including years worked for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. 

To date, MOHELA has not responded to any of the applications I submitted seeking student loan forgiveness. Ive already met the XXXX-payment requirement. There seems to be a serious issue with this company processing paperwork and ensuring that eligible students receive forgiveness. This is supported in a recent online article by XXXX XXXX . In the XXXX  XXXX article, she addressed some of the systemic issues that affect MOHELA. 

Can someone please review the information that I submitted in XX/XX/2022 seeking forgiveness and get bet back to me?
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

It just hit me yesterday, XXXX posted a late payment notice on all credit reporting agencies. Not true. I 've paid them autopay for 32 years. Had a problem with XXXX XXXX, XXXX, XXXX on or about XXXX XXXX, 2015. I paid estimate and then cancelled due to a problem. I never used them to move me from FL to AL. 
The movers finally settled and I have the legal document they signed XXXX/XXXX/15 ; I signed on XXXX/XXXX/15 and sent copies to all executives at XXXX in IL and their Dispute Center and no one every confirmed receipt. About one month later I have a printout that shows XXXX transactions for {$1400.00} and {$540.00} ( XX/XX/XXXX, XX/XX/XXXX ) were REPOSTED again by XXXX -- there are XXXX some kind of ID # XXXX that probably would identify who these people are that REPOSTED the XXXX items, but it 's obvious to me that XXXX XXXX who says he 's in the President 's Office has n't even attempted to look into what I told him when he lied to me that the Alabama Attorney 's General did not give him enough information in their letter. I received a copy of that letter the next day and all the information was in it that I gave them. XXXX XXXX takes information from previous messages back and forth I had with their Dispute and Corporate Inquiry Departments. Desa of XXXX Dispute told me to stop sending messages!!!!!!! 

I have XXXXXXXXXXXX who say they work for the US government on debt collections reviewing my case and am awaiting the results this week. 

When I thought all was okay again, I made some purchases, but when I saw those reposts I panicked but even with the purchases I made they still owe me a refund of approximately {$250.00} plus {$50.00} cash back. I think all the employees at XXXX was passing the buck. There was one gal XXXX who seemed like she wanted to help me -- said she 'd call the next day at XXXX XXXX and never did call!!!!!!!!!! She 's the one that alerted me to the fact the charges were not authorized by me. I call that fraud!!!!! 

I 've been in XXXX treatment in XXXX and XXXX for a year now and have endured the stress and anxiety of wanting to go home to XXXX and I ca n't go to buy a home because XXXX has done this cruel thing to me. 

I 've also been abandoned by my son and I live in a very desolate area on a lake, no neighbors, asked for help from every agency I know and got nothing. 
I will survive being a recent widow on top of everything else.
Consumer complaint received 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following companies have hard inquiry pulls on all XXXX of my credit reports, the hard inquiries were not authorized. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX-Inquiry Date : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX  XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX : Inquiry Date : XX/XX/XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX
Consumer complaint received 2023-06-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-29
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. (IL)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX  XXXX My phone number is XXXX
Consumer complaint received 2024-03-01
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. (TX)

I just got my report and I think it's wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything about my credit report is correct. 
Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance XXXX XXXX XXXX XXXX Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (GA)

On XX/XX/XXXX I filed a dispute with chime for {$2500.00} due to someone making an unauthorized person to person transfer from my account while I was away on XXXX XXXX  in XXXX because I am in the military. It is under the XXXX  XXXX code which I wasnt eligible for a temp credit because it was over 60 days even though I submitted a document from my XXXX XXXX XXXX XXXX stating that I was on XXXX before that unauthorized transaction took place. Chime told me I had to wait 45 business day which ended on XX/XX/XXXX & I still dont have no update about my claim. Now its XX/XX/XXXX & I still dont have an update. I kept being told my case is still open & we can escalate to the investigation team. I am still not getting no update about my funds & it's been passed the 45 business day mark.
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (OH)

I had a charge on my credit card through indigo and it put my credit limit to the max, my XXXX score dropped XXXX XXXX and my XXXX dropped XXXX XXXX .I did not make this transaction I contacted indigo and they cancelled my card and sent me a new one, I can not have this fraudulent transaction drop my credit score, im trying to buy a house, yours truly
Consumer complaint received 2023-02-13
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 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 2017-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In  XXXX  of 2016, there were  XXXX  credit inquiries to my credit report that I did not authorize.
 XXXX / XXXX /2016-  XXXX   XXXX    XXXX / XXXX 2016- XXXX   XXXX / XXXX /2016-  XXXX   XXXX    XXXX  XXXX /2016- XXXX
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (PA)

XXXX. I was carrying two promotional 6 month no interest balances on the card. The first balance was {$5200.00} and the second balance was {$3300.00}. 
XXXX. The XXXX statement indicated that a minimum payment of {$87.00} was due by XX/XX/XXXX/2022. The statement also indicated, in prominent red all cap typeface : " YOU MUST PAY THE BALANCE OF {$5200.00} OF YOUR PLAN XXXX XXXX XXXX XXXX LOW PMT IN FULL BY XX/XX/XXXX22 TO AVOID PAYING ACCRUED INTEREST CHARGES. '' XXXX. The XXXX statement does not include language to the effect that the plan balance of {$5200.00} and the minimum payment of {$87.00} had to be made. I thus was led to believe that the payment of the plan balance would satisfy the minimum payment amount. 
XXXX. As indicated on the XXXX statement, I made a payment of {$5200.00} on XX/XX/XXXX2022 ( the payment due date ). The XXXX statement nonetheless included accrued interest in the amount of {$1000.00}, even though my payment was a greater amount than the minimum payment due and was enough to satisfy the outstanding balance on the promotional amount due on XX/XX/XXXX 2022. 
XXXX. I spoke with XXXX on XX/XX/XXXX, 2022 and XXXX 's position is that I was required to pay the promotional plan amount due plus the minimum fee due to avoid interest charges, despite the plain language in the XXXX statement that I only needed to pay the {$5200.00} to avoid interest payments. 
XXXX. The XXXX statement was deceptive in its language because it does not indicate that two amounts ( the plan balance plus the minimum payment amount ) needed to be paid to avoid interest charges. Also, XXXX did add such language to the XXXX statement concerning making both payments to avoid interest charges, but it was too late. This deception creates a trap for unwary consumers. I will also note that XXXX did not charge a late fee of {$41.00} even though its position is that the minimum payment amount was not paid by the due date of XX/XX/XXXX, 2022.
Consumer complaint received 2023-06-07
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. (LA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2022-09-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

LVNV have aggressively tried to collect an alleged debt they did not validate. They purchased this debt without properly notifying me of the action. The refused me of my right to dispute. This debt buyer company thinks they are bigger than the law. They have tried to coerce payment on several occasion through consistent emails demanding a payment.
Consumer complaint received 2023-02-13
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. (TX)

My name is 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 and Under 15 U.S. Code 1681b 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 2023-01-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

XXXX has deleted inaccuracies, items that report past statute of limitations, and incorrect personal information- HOWEVER! 

XXXX and Experian WILL NOT follow suit with XXXX, my last claim they took almost 60 days. 

XXXX and EXPERIAN are reporting inaccuracies after I have made NUMEROUS attempts for them to fix it. 

XXXX and EXPERIAN are reporting items that are past their statute of limitations. 


XXXX - XXXX deleted in XXXX, but XXXX and Experian WILL NOT XXXX  - XXXX deleted in XXXX, but XXXX and Experian WILL NOT As well as inaccurate addresses and incorrect spelling of names/ relationships to people I have uploaded proof that Experian has deleted items and XXXX and XXXX XXXX to report