davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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: EQUIFAX, INC. (TX)

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the authority to decline or rescind but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. There's an account from XXXX XXXX XXXX reporting on my consumer report that is fraudulently furnished without my lawful authority. This unauthorized access of my credit report has with forethought and malice cause me to receive substantial harm and damage to my financial reputation as a result of it being furnished on there. This is a violation of the Gram-Leach-Bliley Act. I receive no benefit whatsoever for this account to still be reporting on my consumer report. Pursuant to 15 USC 1681 ( a ) ( 4 ), this is an invasion of my privacy.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX {$420.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The Items that need to investigate and correct erroneous reporting in the file listed on my credit report XXXX XXXX XXXX XXXX XXXX  Balance : {$40000.00}
Consumer complaint received 2023-06-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (TX)

To Whom this may concern My name is XXXX XXXX My account number is [ XXXX ] I am writing to file a formal complaint against Robinhood regarding their inadequate handling of my account and the subsequent impact it has had on my financial well-being. I have exhausted all avenues of communication with the institution 's customer service, but they have failed to provide a satisfactory resolution to my issue. 

First and foremost, I have diligently provided all the necessary information to verify my account in order to lift any restrictions that may have been in place. Despite complying with their requests, I am continually bombarded with frequent emails urging me to call them. Unfortunately, these calls have proven to be futile as I am consistently subjected to repetitive inquiries, leading to an unproductive and frustrating experience. 
Moreover, the financial institution has been withholding my funds, impeding my ability to withdraw or deposit money. This dire situation has significantly impacted my livelihood, causing undue financial strain and distress. As a responsible account holder, I rely on the availability and accessibility of my funds for essential expenses and daily operations, which have been severely hindered by their actions. 
Regrettably, their customer service representatives have consistently evaded responsibility and offered no tangible solutions to rectify my predicament. Instead, I have been met with a perpetual run-around, enduring lengthy phone conversations that yield no results. The lack of assistance and accountability from the institution has further exacerbated my stress levels, which is detrimental to my overall well-being. 
I implore the Consumer Financial Protection Bureau to investigate this matter promptly and intervene on my behalf. It is evident that Robinhood has failed in their duty to provide adequate customer service and address my concerns effectively. The continual promises of resolution that remain unfulfilled have only deepened my dissatisfaction with their services. 
I kindly request that the Consumer Financial Protection Bureau takes appropriate action against Robinhood to ensure that they rectify this situation promptly and prevent similar instances from occurring in the future. Additionally, I urge the bureau to consider the significant emotional and financial distress I have endured as a result of their negligence. If this matter is not resolved i will proceed with legal action against Robinhood. Ive attached my letter with the intent to sue and and invoice seeking remedies for the pain and suffering they have caused me. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act in the best interest of consumers and provide the necessary oversight to ensure fair treatment and proper resolution of this issue.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX  CLOSED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Number XXXX XXXX {$520.00} Account Status COLLECTION Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act, 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 2022-11-12
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (CA)

I have had a credit card ( XXXX XXXX XXXX Account ) that was associated with XXXX  XXXX XXXX. The card was apparently sold to Comenity ( according to email I received ). I never received the replacement card and I saw my credit score drop by over 70 points. I eventually got a credit card statement from Comenity ( with a positive balance of ~ {$100.00} ), which included a phone number to call. I called them three times to tell them that I never received the credit card. On the third call, I told them that the card must be lost in the mail and that they should issue a replacement and XXXX  it to me. Comenity agreed and told me I would get the replacement in 3-5 days. Well, it did not arrive in that time period, so I called the company again today about the missing card, and they once again said to just wait for it to arrive. 

I never wanted to business with this company, and I certainly did not agree to a new credit card ( as I did not want my credit score to go down ). 

I want to cancel this card entirely now, but I don't want my credit score dinged again. 

What are my options?
Consumer complaint received 2022-11-11
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. (NC)

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, 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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION (CA)

Failed background check due to 1 point on driving record, which caused employer to rescind their job offer. The infraction in question had been settled months prior.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

Dear CFPB, I initiate the dispute CLAIM ID : XXXX on XX/XX/XXXX because I was misleading when I purchase the XXXX XXXX. I was promised a price match ( refund ) by the seller ( XXXX ). I got the email to confirm the refund on XX/XX/2022 at XXXX XXXX  from XXXX XXXX headquarter ( see email in attached file ). However, it has been XXXX week and they not refunded me. I contacted the bank to file the dispute to get the money back because the price was higher than what I was promised and expected. XXXX told me there will be a hold on the account for {$3300.00} and it will dropped and they will only charge me {$750.00}. It was a lie. They billed that full amount and everything was posted on my Chase credit card. Chase initiate the dispute for me and gave me the temporary credit right away. In the meanwhile, I also go and return the back to the store and have the return receipt ( see in attached file ). I then called Chase on XX/XX/XXXX tried to explain that I want to change the reason to Returned and Not Refund. However, I don't know if there was any misunderstanding between me and the agent at Chase ( XXXX ), it was never updated. On XX/XX/XXXX, Chase sent me a letter online saying that the dispute was not in my favor because the store provided the purchase receipt, Chase immediately took the temporary credit back without giving me a chance to explain or submit more document to prove my case. I then on XX/XX/XXXX ( 1 day after the deny from Chase ) submit the receipt that I returned the item and the email from XXXX XXXX promised the price match, at this point the price match is longer matter since I returned the product. I asked them to re-opened the case and fight it for me. I sent the document and everything through their secured online portal and they confirmed me the same day of receipt ( Attached files for proof ). Until now, they have not answer me anything, I called them back today ( XX/XX/2022 ) to check on the status, and they told me it was not resolve in my favor without giving me a reason. They told me the merchant denied it. However, from my understanding, The bank should have the power to fight for me, because I already sent all the evident proof. They just laid back and never get back to me. I have no idea what is going on. It has been a while and they never get back to me.
Consumer complaint received 2019-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America would not recognize my retiree status for the purpose of facilitating the free checking account offered in the Personal Schedule of Fees online for my Advantage Tiered Checking Account. I maintain that the waiver of monthly maintenance fee is a banking fee schedule, not a pension benefit. 

The Personal Schedule of Fees defines Employees and Retirees that are eligible for the waiver of the monthly maintenance fee as " retirees with at least 10 years of vesting service, and age plus years of vesting service equal to at least 60 ''. 

Facts : I have 24 years vested service. I am XXXX years old. My pension is from Bank of AmericaXXXX which has the Bank of America name on our benefit website, on my direct deposits and on the pension booklet they sent me. I left employment at age XXXX plus 24 years vested service is greater than XXXX. 

Bank of America acquired my banking deposits and credit accounts, our local ATMs and branches, and my vested pension obligation. The acquisition of XXXX Bank and the related subsidiaries gave Bank of America the opportunity to create new pricing, close branches and ATMs and set lending rates, certificate of deposit rates as they saw necessary. They put their name on it all, so I don't believe the Personal Schedule of Fees should be applied differently to retirees with the Bank of America - XXXX versus other Bank of America pensions. It is a banking fee schedule, not a pension plan. 

They declined my request because I was not age XXXX when I left employ of XXXX XXXX XXXX XXXX  and that I was not in their employ in XXXX when they began providing waiver of fees to retirees of B of A. I became subject to every change they ever made to the Personal Schedule of Fees, so I want the retiree status they advertise. I've worked through my local branch office XX/XX/XXXX, XXXX XXXX XXXX, Employee Relations and B of A 's impossible phone routing robot system for two full months. Tickets were opened and closed due to inability to find records and are still being denied. 

I want the regulators to know how Fee Schedules are not applied for retirees benefit. I'm out hours of my life chasing this and over {$6000.00} of banking fees they expect me to just concede and pay in the future. I closed my accounts on XXXX XXXX, XXXX.
Consumer complaint received 2023-12-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc. (NC)

I have executed the Loan Refinance which exists the loan, with BSI Financial on XX/XX/23. The payoff amount was requested from BSI so that the title company XXXX XXXX XXXX would have the accurate amount to successfully wire the correct funds. However, BSI Financial continues to fail to send the accurate amount and still continues to try and charge me double daily fees to incur more money from me, so I'm never able to close the loan successfully and continues to defraud me out of my money in fees. 
Also, I've tried calling their customer support and service throughout the loan servicing and its been a horrible customer service experience and I hate working with this company and would never want anyone else to have to deal with this company. 

BSI Financial Services XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-11-11
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. (PA)

To whom it may concern ; I recently received a copy of my Experian XXXX and XXXX credit report, and I noticed some late payments posted on my credit report. 
US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX Your company is in clear violation of the law. Under 15 USC 1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates.

Did I give your written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 US 1692g violations. 
4, .Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliaces-616. Civil liability for willful noncompliance 15 USC 1681n. 
Attached is my drivers license. A utility bill is not attached I am currently homeless.
Consumer complaint received 2021-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I have disputed with all XXXX  bureaus as to whether this debt is actually mine. I have attempted to contact XXXX and they are unable to produce any billing statements or invoices. CA continues to report to CRAs with this debt and there has been no evidence produced that proves this debt belongs to me. All XXXX credit bureaus are unable to produce any documentation that verifies this debt is mine nor when it was originated or when it went past due.