davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Resolutions, LLC (CT)

This is for a dental bill. That the dentist should have ran through my 2 insurance companies. They did not. So it went to collections. I tried to connect w the dental office to ask them to bill my insurance they still did not. Debt collection agency called me and i reiterated this, and the women told me she didnt care. I asked for a debt verification letter. She refused to send and told me fine, Ill just put this on your credit. And continued to repeat fine Ill just report it to your credit over and over. So I couldnt speak. I hung up on her. 

It is now on my credit report, as she threatened. I havent heard from this debtor again or received any letters to verify the debt, as requested. Abusive and abrasive!!!!
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (TX)

On XX/XX/11 my phone and wallet was stolen from me and my car and was used to make a purchase for {$3200.00} at a XXXX in XXXX. Once noticing the charge I immediately called SoFi bank and spoke with a rep to get the charge removed and the cards cancelled. And they filed a dispute on my behalf. I spoke with XXXX and SoFi throughout the day, asking for footage of the transaction time and as well as asking for SoFi to communicate with XXXX and giving them the direct number to contact them. XXXX was never contacted throughout this. I submitted evidence as well showing my gps locations throughout the day of XX/XX/11 to show I had not went to a XXXX by XXXX XXXX that day. The claim was closed almost the next day. And SoFi claimed to contact the merchant, but, and I have recorded evidence of this, when i spoke with the XXXX team they had no contact from anyone at all. Ive submitted a police report as well for this matter. Also when looking at the resolution email response, the transaction id, amount, and case number are entirely different then what I originally was presented with. The disputed amount now only shows {$3.00}, instead of {$3200.00}. Please assist. Someone was able to take my phone and change my PIN code via the SoFi app with no issue, and called over the phone and impersonated me and used my info to send out another card and to change the pin again and to give it XXXX XXXX access. I was rudely told over the phone that I would be unable to send in documents until the back office team gives me the chance to, I asked how can they come to a decision if there is no evidence they can view and I was told oh well thats not within my scope to answer and got hung up on immediately. Unprofessional experience
Consumer complaint received 2023-03-09
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 : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$9700.00} XX/XX/XXXX XXXX XXXX {$9700.00} XXXX XXXX, XXXX
Consumer complaint received 2021-12-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I became pre-qualified to finance a vehicle through Capital One Auto Finance on XX/XX/XXXX. The amount I was pre-qualified for was up to {$55000.00}. I was given a deadline by capital one to finance a car by XX/XX/XXXX or lose my pre-qualification. In the instructions they provide to finding a eligible car to finance, they ( Capital One ) instructed me to use their Capital One Auto Navigator website. The website : https : //www.capitalone.com/cars/. The website is supposed to list vehicles that are eligible for Capital one financing with the APR rate. I found a few vehicles on the site that I liked based on the number of seats, mileage, and price. One in particular, a XXXX XXXX XXXX XXXX for {$29000.00} did not provide an APR rate. Instead it listed the vehicle as " Unable to calculate a monthly payment and APR. '' I've called Capital One customer service multiple times and they informed me each time that the reason the APR is not calculating is because A ) the dealership did not provide enough information or B ) the dealership has the vehicle listed as a commercial vehicle and to call the dealership directly to submit my application for a hard credit inquiry to get the APR rate. I called the dealership in XXXX MA and XXXX the salesman informed me that the vehicle was a commercial vehicle. On XX/XX/XXXX, I was escalated to XXXX a solutions specialist at Capital One Auto Finance and she informed me that the dealerships they partner with are aware that Capital One does NOT finance commercial vehicles. Capital One and the partnered dealerships are aware that Capital One Auto Finance does not finance commercial vehicles, then commercial vehicles should not be listed on the website as eligible vehicles for financing. Its misleading sales tactics that play on deadlines and word play.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I was on the XXXX XXXX website when I found out that Portfolio Recovery Services was suing me for a debt. I sent the company two emails, and a written notice requesting a validation of the debt with the original creditor so that I could start a payment plan if it was legitimate. The company has yet to send the letter after several attempts.
Consumer complaint received 2023-02-28
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. (IL)

I never gave my written consent to pull my credit from the list provided blow. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I have an account with wells fargo since 2005 at that time it was XXXX. 
I was never charge a fee until i saw a charge for {$150.00} in XXXX and i question it and was told it was an annual fee for the account maintenance. i told them i never pay a fee for this account and they say last year i was charge this fee also ( i must have miss it ). I ask them on several occasion to reimburse my money. 

XXXX the XXXX in a letter they say, ' Thank you for sharing your concerns and they will respond within 60 calendar days from the date we contacted them. 

In a letter i received, Dated XX/XX/XXXX, it say " the fee can be waived if the client 's household is linked to wells Fargo premier checking account '' I don't want any change to my account ; They change my account before without me asking or agreeing to it, not this one in question, my checking. 

Now they are saying on the phone they can't waive the fee. 
we went into the bank and call and talk to several representative.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (MO)

Hi, recently received random email, XX/XX/year>, from CHIME BANK that an account was created in my name. I did not authorize this and have never heard of this bank. I've called and had them close the account, but now I'm curious if they even do any background check when someone is trying to open new accounts. How does this happen?
Consumer complaint received 2024-04-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This is concerning Portfolio Recovery About 6 months ago I got a threatening letter from PRA giving me 30 days to pay a debt or be sued. There was XXXX communication prior to receiving this letter I have no idea what this is about and it does not say who the debt is owed to other than PRA 3 months go by and I get a letter threatening to garnish my wages I haven't worked for the employer that they are listing to go after in nearly 5 years Lastly it says the debt is from 2016 I live in AZ
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (MI)

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 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 2023-03-09
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. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

I contacted Quicken Loans for information on refinancing my condominium. I was told by the agent when I contacted him that I would be able to refinance my condo for a rate of 3.625 % with no costs to me. I understood that to mean that I would not be paying for points on a loan, nor would be paying any closing costs at all. That was the way the loan was sold to me on the phone. Once I decided to apply immediately over the phone based on the information the agent told me, I was asked to provide my credit card information so that they could charge me a deposit that I would apparently get back after the loan documents were processed. I gladly gave my credit card information knowing that I would get my refund after my low rate loan/refinance had closed. Once I submitted all the documents they requested, and was charged {$500.00} deposit, I found out that I would be paying {$3900.00} in closing costs including paying points on a low interest loan ( information that was not disclosed to me initially when I signed up ). I even got an appraisal done since I had already paid {$500.00}. I had a huge problem with the misrepresentation of information of course, and called back to dispute the information I was provided. Quicken Loans refused to refund my deposit despite them misrepresenting themselves to me when I signed up for the loan/refinance. I was given a refund of {$4.00} yesterday XXXX/XXXX/16. Needless to say I am extremely displeased with the service I received from a supposedly reputable name to intentionally misinform me just to close a deal.
Consumer complaint received 2022-12-12
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: PENTAGON FEDERAL CREDIT UNION (MA)

In accordance with the fair credit reporting act, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right of privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-02-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Received egift card from work for {$300.00}. Has never worked at any retailer online or in person. I have spent hours trying. Have tried contacting American Express and after waiting for a half an hour they said I just need to keep trying. I have tried at XXXX, XXXX, XXXX online, and even in person stores and every time it is canceled. I don't have time to continue trying and failing. Company offered no help and now I can not get anyone on the line. American Express is very disappointing. I think they might be trying to get people to give up and hoping that they forget about their balances on gift cards. I don't want to do business with them anymore, nor would I consider ever getting their credit cards when there are better options.
Consumer complaint received 2024-04-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OH)

When applying for new home and auto insurance they found I had a negative element on my credit report. I have pulled all 3 and only XXXX had a negative element. 
Sequium Asset Solutions lists a collection account for XXXX XXXX. 

I have disputed this with XXXX online. 
I have tried to call Sequium and " all representatives are busy ''. 
I have called XXXX and they stated " there is no account for my address ''. They could not locate an account with the limited information Sequium lists on my credit report. 

I have never had an account with XXXX.
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (VA)

Amex debit {$52.00} dollars on my account on XX/XX/XXXX for the XXXX. But the XXXX contacted me that they never got the money so I Called amex and they keep running me around with total nonsense. 
I did everything in myside and they deliberately try to defraud me by not either paying XXXX or refund back my money.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (OK)

I set up direct deposit with this bank and another bank. I had a portion of my check going into XXXX  XXXX XXXX and the other portion going to Robinhood. Robinhood offered early direct deposit so I put the larger portion into Robinhood and on the day Im supposed to be paid Robinhood keeps claiming that theyre waiting on my employer to submit my check which I know is a lie because I talked to payroll and they submitted my check on the XXXX of the month and also XXXX  XXXX XXXX XXXX have any issues with posting my check on the XXXX of the month. Ive reached out to Robinhood 4 times in total and they keep giving me the runaround saying my employer hasnt submitted my check and they have to wait on my employer to submit my check. I have bills due, taxes to be paid and theyre holding over {$3000.00} and claiming they havent received the money. This is a lie and I want some action taken to investigate why they did this
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
FAMILY SUPPORT DIVISION # XXXX account is reporting 120 DAYS LATE on XX/XX/XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with the FAMILY SUPPORT DIVISION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I was told that my account would be fine and no late payments would be reporting. The office of FAMILY SUPPORT DIVISION WAS ACTUALLY CLOSED during the pandemic so I am having a hard time trying to understand how the late updates were even reported when no one was even in the building
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (NY)

My name is XXXX XXXX I direct deposited my money into my Robinhood account and shortly after they restricted my account I have been begging them since XX/XX/XXXX to help me, there is no number for customer service when you call it hangs up on you, I have been begging them by email and then I went on XXXX to help me and they send generic messages saying they are going to help me, I am on the verge of homelessness due to not being able to pay my rent because I direct deposited my money into this account I need help, this all started when my direct deposit went into the Robinhood account on XX/XX/year> 2024
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (PA)

This Fraudulent account appearing on my credit report. XXXX. XXXX XXXX XXXX This account was removed from my transunion account immediately please remove from XXXX and Equifix as well.
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I submitted a full, entire modification Package, confirmed by rep at Rushmore Loan management. The full package was received on XX/XX/2022, 40 days before foreclosure XXXX here is the email time stamp attached They are not stopping foreclosure sale as per federal law stated below : Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, I have phone calls recorded and proof of full submission within 40 days but they are claiming now that they start counting once package is reviewed. Please assist in having then comply with federal law.
Consumer complaint received 2024-01-09
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.