davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Marauder Corporation (CA)

I signed up for a " Free Trial '' online disclosing all my information including my name, address and credit card number. A couple of days later I received an email saying that they had charged me {$79.00} on my credit card, so I had cancelled my membership in hopes of not having to pay the charge because I had not seen any information saying that they would be charging me for a product I had not even used.
Consumer complaint received 2023-02-14
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 did not authorize XXXX XXXX XXXX to put a loan on my credit report and XXXX XXXX  XXXX  I did not sign any documents by mail or received any mail sign by me with my actual id social and written signature. ( 1 ) account : XXXX XXXX  XXXX  account number : XXXX ( 2 ) account : XXXX XXXX XXXX account number : XXXX Please block this information from my credit report and remove it pursuant of section 605b of the fair credit reporting act which require you to block the fraudulent information on my credit report resulting from identity theft with four business days and to promptly notify the furnisher ( s ) of that information
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

On XX/XX/XXXX i opened a loan for the amount of XXXX ( XXXX purchase and XXXX intrest ). I made the monthly payments on time. On XX/XX/XXXX i was informed by XXXX that affirm put a notice on my credit saying i was XXXX days late on said lone. I contacted XXXX to start a review and they found it to be true and thus not remove the delinquent notice. 

The lone was never even 1 day late let alone XXXX.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America reported to the credit bureaus that I missed a payment on my auto loan. My credit score went down. I contacted Bank of America and they confirmed that I did not have any missed payments. I asked them to dispute the credit report and they took 30 days to respond back and say that the investigation is completed and we reviewed your payment history and agree you have not missed any payments. But they failed to resolve the credit reporting issue. I fought to try to get Bank of America to resolve this. I put in disputes with all three credit reports and Bank of America refused to resolve the credit reporting. I sent a demand letter. Finally Bank of America responded but my credit score is still effected by this XXXX  up. Bank of America still has not fixed this issue and they have violated the fair credit reporting act. I demand resolution.
Consumer complaint received 2023-01-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Since XXXX, my mortgage was originally with XXXX XXXX XXXX XXXX. I had a series of hardships I experienced in addition to loss of income during COVID. My mortgage payments fell drastically behind that in XXXX of XXXX, I was almost up to {$68000.00} dollars behind in payments. I had attempted to make payments however they would send my money back. XXXX XXXX stated I had to go through loss mitigation processes which I kept submitting paperwork to no decision ( even when they said it would take 30 days ). In late XXXX of XXXX, I was informed that my loan was transferred to Carrington Mortgage Services. When I contacted Carrington, they had explained I was in pre-foreclosure and to submit a new loss mitigation packet with them. I had explained to them at this time that I had actively been in a loss mitigation process with XXXX XXXX when my mortgage was transferred again. I set out to compile on the necessary documents to restart the loss Mitigation process with Carrington. On XX/XX/XXXX, I contacted Carrington to ask about my application. They stated I was in active foreclosure with a sale date of XX/XX/XXXX which is less than a month away. I asked what had happened so fast and they informed me that I had been in active foreclosure since XXXX of XXXX. They told me I received process sever paperwork. I or my husband never received process server paperwork and was never informed I was in an active foreclosure. They did not explain the process to me. I asked what my options were and they did not tell me anything other than to fill out the loss mitigation package or contact mortgage assistance relief fund. I knew that the loss Mitigation package halts the foreclosure however they told me that if underwriting determined I was not eligible for any options, the foreclosure auction sale date would still stand. I was adamant about not going into bankruptcy or being foreclosed on and was not given any information or options. I had no choice and was forced to make the decision to sell my home. They have withheld giving me and my realtor my payoff quote saying they need to get it from the attorney and that Im being charged an excessive amount of fees. Also I never received the notice about the auction date for XX/XX/XXXX. I found out about it because the cleaning lady was served papers from the HOA saying we were served for foreclosure auction. This process has caused us much distress but we are going out best to save our financial lives out of this mess. They claimed to want to be of assistance when in fact they were not providing information that I was already in active foreclosure.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was to receive paper copies of the bill and never received - as it started going paperless- I did not want paperless statements. There were several times when attempting to make a payment that the system was down and I have a few records of this and would like to request information from the company when their payment system was down to demonstrate their culpability. Due to their errors and system glitches ; I was unable to make the payment. 
Life as a busy person, I inadvertently was not able to make the payment when intended and as it should be excepted for the consumer. I would like a record of the time their system has glitched which prohibits consumers from making payments. In addition to this, not having a hard copy of a bill with a very small balance resulted in back interest fees exceeding XXXX dollars when I thought the small balance was paid off on XX/XX/2022. This company has not taken responsibility for their errors in this and has created the consumer to bear the full responsibility for THEIR errors. This seems criminal and negligent on their part to create all these situations to cash in on unsuspecting consumers.
Consumer complaint received 2023-02-27
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. (GA)

I, ( XXXX XXXX XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My twin sister stolen my identity..during the months of XXXX she took my social security benefits and my stimulus money the police report number is XXXX apparently boa doesn't cover family fraud XXXXi didn't know that street I signed up ten years prior
Consumer complaint received 2023-01-28
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. (NJ)

I submitted this complaint on XX/XX/XXXX on this very same portal against Trans Union for reporting a bankruptcy after US court said they do NOT send info to credit agencies! I also filed the complaint with the XXXX same day and got a letter from them on On XX/XX/XXXX saying they were investigating and it could take 30 days cool. Funny enough I get another letter datted XX/XX/XXXX ... from Trans Union saying the furnisher ( which correct me if I'm wrong is US Court ) verified it as accurate. Please make this make any type of sense! Trans Union is blatantly LYING and what type of investigation took 5 days only to complete that involved contacting the government?! Want to know what I think? I think Trans Union has people in front of a screen that don't know the law and just push files! I demand now that they delete this bankruptcy unless they can now tell me how and with whom they " verified '' this account with I need to know when and the name of people they spoke too. They can just run down their specific procedure for verifying while at it because I'm finding it hard to believe that they spoke to US Court and ANYONE there release any of my private information but if so please give me all the details! CFPB has been a great resource of information I even read here about XXXX XXXX data breach and unethical stalling tactics which I found to be interesting and potentially helpful. Sending this to my state councilmen at this point Trans Union thinks they are invincible
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TN)

I recently reviewed my credit report and found multiple fraudulent accounts on my credit report preventing me from attaining credit. I submitted a FTC Identity Theft affidavit that declares the accounts as such. The accounts that are in questions are as follows : XXXX XXXX XXXX in the amount of {$2100.00} XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1900.00} XXXXXXXX XXXX opened XX/XX/XXXX in the amount of {$13000.00} XXXXXXXX XXXX  opened XX/XX/XXXX in the amount of {$4100.00} XXXX XXXXXXXX XXXX opened XX/XX/XXXX in the amount of {$720.00} XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1600.00}
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX It's showing that I've had XXXX late payments. But here 's the thing, I've never been late on my payments for this account. 

One thing I noticed is that the account numbers are different for this same account across the 3 credit bureaus. That's inaccurate information, isn't it?

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (FL)

I was trying to buy a house, when I reviewed my credit report I notice there's some inaccurate item on my credit report. I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccurate information. According to the 15 U.C.S 1681 there should not be any damage on my credit report it's defamation to my character.
Consumer complaint received 2023-02-14
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. (AR)

Thi is XXXX XXXX XXXX and I am submitting this CFPB Complaint to request that you remove the fraudulent items off of my Credit File. My credit report contains a significant number of unauthorized accounts, inquiries, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please see below the list of the items I need you removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX  XXX Opened XXXX XXXX, XXXX Balance {$2500.00} XXXX XXXX A XXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$170.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$190.00} XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. Under the requirements of the Fair Credit Reporting Act section 605b, I am requesting immediate removal of the disputed fraudulent items off of my Credit File.
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: Experian Information Solutions Inc. (TX)

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 u.s.c. 1681 XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX account # XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX5 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. 1681 section 602 A. States I have the right to privacy.

15 u.s.c. 1681 c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information. Other than records of convictions of crimes which on dates 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 2022-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

In XXXX  I received a notice that an account in my name was in collections, however, there was never an account opened by me during that time. I have searched back through 10 years of records and they are stating it's a XXXX XXXX XXXX account that they purchased from XXXX, however, we have no record of opening that account. I have never opened any accounts in JUST my name as I haven't worked for almost 20 years. My husband has never opened an account for me alone and we do not own credit cards. 

We tried to file a dispute last year with a demand letter and they have yet to provide information showing this was our account.
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

In response to cfpb complaint XXXX robinhood sent me an email at XXXX XXXX  with instructions to follow this link and do as it says. https : //robinhood.comXXXX Clearly someone incompetent reviewed the case, as usual... 
Then at XXXX XXXX they sent me an email from a " no response '' email address informing me that " We regret to inform you that after careful consideration, Robinhood will no longer support your account. '' and then there are instruction about closure. It also says " Please note that this is a final decision. Let us know if you have any questions. We will do our best to assist you with the transition. 
- The Robinhood Team '' Ironic .... there is no contact information, and I've been trying nearly daily to speak with someone licensed. Additionally I have been trying to transfer my assets out of robinhood for literally MONTHS but the transfer fails because robinhood fabricated documentation so the plaid integration does not function which is how acat transfers are processed to XXXX. Again, I have tried to remedy the situation with robinhood and they just spew some boilerplate and fraudulently mark the case as closed. I reopen it until eventually a manager looks at it, threatens me, and then markes it closed. No matter how many times I reopen the case they just do nothing and keep stealing from me. They do not know how much my account ought to contain, because they fabricated information with regard to my mstr holdings, which is why there is no metadata for the position in the application. When XXXX initiated an account sweep, it did not match... 
In addition to the retaliation, there was another unexplainable transaction in my account today where XXXX $ disappeared at XXXX The account is currently in a fraudulent margin call and robinhood has restricted my ability to deposit XXXX currency to meet the margin call in response to cfpb complaint XXXX.
Consumer complaint received 2017-04-01
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Recovery Services (MI)

XXXX from Integrated XXXX keeps leaving voice mails on my home, work as well as main work lines. With some nonsense about needing a statement and failure tomprovide will result in " expedited verification of employment ... -and liquid assets - and prosecuted to the full extent of the law ''. The voice mail is ended I 'm " you have been warned ''. This needs to stop! It is invasion of privacy for receptionist to have this information as well as to have several calls daily. This bogus company needs to shut down their XXXX collections practices. I have no idea what it is for. I have nothing in writing. I have asked them to stop all calls to my job and my phone, family and ex members I do not even know. I 've asked that they send everything they have through the mail as I have nothing from this company and will not deal will such behavior over the phone.
Consumer complaint received 2023-02-27
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. (FL)

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. 
XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX bankruptcy : XXXX, XXXX  XXXX bankruptcy : 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 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: CAPITAL ONE FINANCIAL CORPORATION (MA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX, Capital One Saks card # 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.