davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

I had not yet received a statement from Best Buy ( Citi bank ), when my wife called a number in response to a recorded message. A rep from Best Buy ( Citi bank ) asked her to pay the balance on the account, she explained that we had not received a statement yet, but would be happy to go to Best Buy and pay the balance with interest, which she did the following day. Citi bank contacted us demanding we pay a late charge, I explained that we had not received a statement for that month ( we have not received the statement yet 4 months later ) and that I would like them to waive any charges do to the circumstances, the rep refused. I canceled the credit card. Citi calls several times a week asking for us to contact them. I have to no avail, they keep sending us bills for ever increasing amounts.
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (MA)

Tried to register the card on their horrible website, and other than the useless waste of time XXXX, nothing else works there. I entered the correct info three different times on two different browsers and I got an error. I tried calling their worthless customer service line and all it does it put you in a loop asking you to enter the card info. I did that 3 times and there is no way to get to a human. Without peer, this company provides the WORST customer service on the planet. THREE XXXX  PICTURES I HAVE TO WASTE MY TIME IDENTIFYING!!!!
Consumer complaint received 2022-05-22
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: BARCLAYS BANK DELAWARE (FL)

I applied for a credit card with XXXX XXXX issued thru XXXX. 

I started to receive statements demanding a 99 membership fee - however, the credit card was never received. When I called the customer service dept- they stated that they will issue the credit card- it never came and of course i did not pay the membership fee. After several months I cancelled/closed the credit card - however the customer service department has lied to me and stated the there will be no credit reports with negative implications since this was not a purchase. They lied obviously as I have a negative report with XXXX
Consumer complaint received 2023-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NY)

Robinhood has embezzled my money for over a week now and I did not authorize my funds be held or restricted by Robinhood. My funds must be returned to my original funding source. 

Robinhood must reverse my deposit back to the funding bank account. This practice is illegal I do not want Robinhood 's services at this point and their company is now unauthorized to hold my deposited funds as no services where provided me. I will be making a law suit and placing reports with the OCC, SEC and XXXX. 

Furthermore Robinhood sent me an email today stating my instant deposits are now unrestricted however upon me attempting to instant deposit my funds back into my bank account Robinhood canceled this transaction, contradicting their own email which they sent me ; my instant deposit is currently still restricted : see the attached screenshots of the email communications between Robinhood and I, which confirms Robinhood 's negligence in this matter.
Consumer complaint received 2022-05-22
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX and XXXX XXXX XXXX ACCOUNT 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 an account without my written instructions
Consumer complaint received 2022-05-22
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: HCFS Healthcare Financial Services of TeamHealth (TX)

This account does not belong to me. It appears fraudulent in nature. I am requestion that you send any copies of any documents that you used to verified that this account belongs to me. If you can not provide such documentation, I ask that you stop reporting this account as it is causing me undue mental and financial duress. 

I demand a copy of any records that you have about this account that bear my name. Also, I would like the copy of any document bearing my wet ink signature, that may have been use to authorize any transaction under my name.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Okay so on my credit report there is reporting duplicate accounts with the information incorrect on both. Not only that this information was verified as accurate. I have disputed this information twice now and it is still reporting inaccurately.
Consumer complaint received 2022-12-17
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. (NY)

I checked checked my credit report in XXXX XXXX  after applying for credit and noticed that i have been a victim of identity theft. I have 4 fraudulent accounts on my credit profile that do not belong to me and i did not apply for them. Those fraudulent accounts are XXXX XXXX with the original creditor XXXXXXXX XXXX XXXX for the total of {$650.00}, XXXX for the total of {$530.00}, XXXX XXXX for the total of {$630.00} and XXXX XXXX for the total of {$870.00}. I have never done business with either of these companies and would like them taken off of my credit report as soon as possible because i have been denied credit due to these accounts that do not belong to me. I would like an updated credit report showing the removals of these fraudulent accounts.
Consumer complaint received 2022-05-22
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. (NC)

In accordance with the Fair Credit Reporting act 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 with my written instructions.
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio America Asset Management, LLC (NJ)

They call multiple times through out the day. Have spoken to family members with out my permission who have answered my phone. Sending repeated mail. I have asked them to stop and they continue to call. I have the paperwork. This has been going on for months. At first I did not know that XXXX sold my debt. So I didn't know what it was at first. But it is at a point where I can not even answer my phone because they are calling from multiple numbers daily. The name of the company is Portfolio. They are totally stressing me out and putting me under mental anguish. At this point they should be paying me..
Consumer complaint received 2022-12-17
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. (OK)

This is my SECOND endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES
Consumer complaint received 2022-05-22
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. (MO)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2022, I was induced to make a XXXX transfer of {$190.00} to an XXXX scammer who promised to send me more money in return. He then made an excuse and thereafter I told him that I no longer wanted his help and if he could return my money via XXXX. Soon after I the contacted the bank to file a claim.
Consumer complaint received 2022-05-22
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. (TX)

To my knowledge and records, the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Please see my attached dispute letter, Id, and fraud affidavit.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I have been with Mohela for years. I have two Direct Loans with them. I have XXXX payment taken out of my checking account on the XXXX of every month. They then apply the payment according to how their system works to my two loans. 

I had my payment withdrawn on XX/XX/XXXX as usual. Then on XX/XX/XXXX I received a message from Mohela that my loan was overpaid. This made no sense to me for I did not pay extra onto any of my student loans. 

I replied to the message asking how this is so, but they take too many business days to respond to messages. Yesterday, XX/XX/XXXX after being on the phone for XXXX hour and XXXX minutes and XXXX seconds I spoke with someone who informed me that my payment was applied incorrectly to my loans. They applied the entire payment to XXXX loan, but not to my other loan which makes my one loan overpaid I and my other now delinquent. She asked me if I would like to make a payment with her over the phone to get my loan up to date or if I wanted her to submit a form in order to have my payment applied correctly. I told her I would like to submit the form. She told me it would take 60 business days for it to process!
Consumer complaint received 2022-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (VA)

I received XXXX emails on the morning of Sunday, XX/XX/XXXX from TDBank. The first email let me know that an account was opened with my information and the second alerted me that my security email had changed. I called TDBank and reported the fraud to have it shut down immediately. The second email had another email ccd with the address of XXXX.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-05-22
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 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 with my written instructions.
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (AL)

I spoke with, Supervisor XXXX, XXXX, XXXX, and XXXX from XXXX I received an alert on, XX/XX/2022, that XXXX XXXX had pulled my credit without my consent and an order had been placed totaling {$210.00}. I then contacted Equifax and the other credit union disputing the credit pull and I alerted XXXX the same. I informed, XXXX that I never placed an Order # XXXX that was placed on XX/XX/2022, for the XXXX items for {$210.00} and didn't give then permission to pull my credit and reminded them that I have a fraud alert on my credit report, and they were supposed to have called me before placing any orders whatsoever which they didn't follow nor contacted me before pulling my credit report without my permission. 

I've also faxed # XXXX and XXXX to XXXX as I was asked to by supervisor XXXX my Identity theft letter. They agreed that I should have been contacted before pulling my credit report and that they have recording of me alerting them and that I wasn't contacted but refused to move the inquiry. XXXX tells me to contact Equifax which I've done and Eqifax tells me to contact them. These people are playing with my livelihood and don't care who its hurting. Equifax told me that XXXX XXXX XXXX factual record on my file and XXXX XXXX XXXX stated that wasn't true and no one there ever spoke with anyone from Equifax. attachment is with this complaint from Equifax dispute letter and my Identity theft letter.
Consumer complaint received 2022-05-22
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. (DC)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX XX/XX/2021, 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 an account without my written instructions
Consumer complaint received 2022-05-22
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 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 with my written instructions.
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Received credit card from Bank of America that I did not apply for in XX/XX/XXXX. Reported this identity theft to BOA by phone and account/card was cancelled. Put credit freeze in place with all three credit reporting agencies in XX/XX/XXXX. Added fraud alert with all three credit reporting agencies in XX/XX/XXXX. 

Received notification from BOA in XX/XX/XXXX, that an account was approved in my name and I would receive credit card ( s ) within two weeks. Attempted to report this fraudulent attempt to BOA by phone. First BOA representative refused to look up account and act on my fraud information. I called a a second time to get a different representative, who cancelled the account/card. He had no explanation why BOA did not check for a credit freeze, or see prior BOA fraud attempt in XXXX.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed an item TransUnion. Their results claim that the account was verified as correct. 
The account is with XXXX XXXX XXXX XXXX. $ XXXX XXXX bal. XXXX current balance {$630.00} payments $ XXXX monthThis does not make any sense if the original balance and the current balance are the same after 3 1/2 years. This is not my account and needs to be removed from my credit.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against TransUnion for reporting a collection account to my name that has been paid through my insurance in full and no longer owed. Beginning on XX/XX/XXXX I began my dispute process with Transunion, which has been one of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. This Item was placed in collection by accident and was never overdue or owed. Transunion only claimed that they would no longer process any more disputes or letters from me on the matter and quickly shut me down with no evidence of an investigation, no results regarding how the invalid collection was verified and no answers on who verified it and when. The collection agency refuses to speak to me and they have, on numerous occasions, hung up the telephone while I was speaking and questioning their debt claims against me. I have also filed CFPB complaints against the collection company, XXXX XXXX in XXXX California, for illegally and fraudulently reporting onto my credit file with Transunion. Under FCRA guidelines I understand that as a consumer I have rights to dispute inaccurate and invalid items as needed and that my credit file must be reported with 100 % accuracy ; and this is absolutely in violation of that.
Consumer complaint received 2022-05-22
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. (MD)

n 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 a account without my written instructions
Consumer complaint received 2022-05-22
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. (MD)

n 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 a account without my written instructions
Consumer complaint received 2022-05-22
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 XXXXXXXX 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 with my written instructions.
Consumer complaint received 2022-05-22
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 XXXX 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 with my written instructions.