davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (WA)

First off I want to sincerely thank whomever is taking the time to review this case, I'm sure it's not the most exciting thing. 

Anyways, I will post all fraudulent transaction details below ( at the very bottom, to make it easier ). 

My name is there I hope that's okay but no other revealing information. 

The company denied my fraud claim as you'll see the the " robinhood response '' screenshot BASED on the fact the gmail that was compromised had sent them an email offering them " promotion ''. Of course if somebody has my checking account information and creates an account with them under my email they have access to my gmail account. 

There reasoning went along the lines of " oh we had an email sent to us around the same time the account was opened, thus proving the transactions weren't fraudulent ''. 

They IGNORE all other red flags? I'm assuming they can track IP address locations and what not, why don't they comment on that? Or the fact I have NO history with making transactions like this in my entire life? Or the fact you can clearly see as soon as I saw the balance alert in my email i instantly changed all my passwords INCLUDING my bank password. 

There fraud team has stolen over XXXX $ from me and I would be very grateful if you guys could assist with this. I don't have {$5000.00} laying around, and I work very hard for my money. 







XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN  : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX
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 — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

i XXXX XXXX am disputing on my own with the help of no one. i have attached my ftc report and disputed please see attached evidence. It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.
Consumer complaint received 2022-12-17
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: Mr. Cooper Group Inc. (AL)

We mailed out our mortgage payment in the pre-addressed envelope that Mr. Cooper provided like we always do. We get a notice saying that we are late. We looked and the check had not cleared so we sent another one. My wife called them and they took off the late fee and said there would be nothing reported to our credit report. XXXX days later we get the original check back returned to sender. We thought the problem was handled so we threw it away. They are now saying they aren't going to fix it and our score went down XXXX points. We have never been late not once. Any help would be greatly appreciated as I XXXX XXXX XXXX XXXX and this is causing damages to the point legal action will be taken if not resolved. Any help would be greatly appreciated. I will wait to hear the outcome of this before filling every possible complaint I can on this. Thanks
Consumer complaint received 2022-06-05
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. (SC)

In accordance with the Fair Credit Reporting act : DPT EDXXXX Account # XXXX, XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, ( Original Creditor : ) Account # XXXX, ( Original Creditor : ) Account # XXXX is on my account twice. ( XXXX XXXX : ) Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, have 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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Consumer complaint received 2022-06-05
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)

XXXX XXXX XXXX shall be fined under title 18 USC 894 ( a ) ( 1 ) ( 2 ) or imprisoned for 20 years or both if you dishonor this Cease And Desist Negative Information Order because by XXXX XXXX XXXX furnishing my nonpublic personal information and by it not being a requirement, XXXX is doing this without my lawful authority as it brings substantial harm to me and my financial reputation attempting to extort me by furnishing this information to consumer reporting agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. 
If XXXX XXXX XXXX does not comply, you shall be fined for {$100000.00} ( Per Violation ) for noncompliance under the Gramm-Leach-Bliley Act and this matter shall be resolved in Federal Court if thats what it comes to! with prejudice!
Consumer complaint received 2019-11-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (FL)

I was involved in a not-at-fault motor vehicle accident on XX/XX/2018. I was transported by ambulance to XXXX Hospital emergency room where I received care. I gave the hospital my in-network insurance at the time which was XXXX under my mom. My insurance paid {$700.00} which the hospital has collected and in my explanation of benefits stated my patient responsibility is {$0.00} because of the following code reason : " Q05 - Patient Not Liable, For XXXX XXXX XXXX XXXX ''. I have repeatedly tried to give XXXX Hospital and the collection agency my EOB and they refuse it and want to full amount of {$10000.00} even though insurance has paid.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

Due to my understanding someone reported false information an false address an date of birth on my XXXX credit report cause my credit report be poor along with false information to harm my credit an long proving false information to credit card company denied my credit requests everything be removed off my report reporting false information to all 3 credit bureaus company allowed to stop false information being reported with. Full disclosure an investigation need to file my name is XXXX XXXX XXXX XXXX XXXX XXXX what's on my identification an state issue identity card address fraudulent activity that someone use my personal information to uptain credit online illegally here is the supported document to support the claims an request to forward this to support my XXXX settlement i never received
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Due to my understanding someone reported false information an false address an date of birth on my XXXX credit report cause my credit report be poor along with false information to harm my credit an long proving false information to credit card company denied my credit requests everything be removed off my report reporting false information to all 3 credit bureaus company allowed to stop false information being reported with. Full disclosure an investigation need to file my name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX what's on my identification an state issue identity card address fraudulent activity that someone use my personal information to uptain credit online illegally here is the supported document to support the claims an request to forward this to support my XXXX settlement i never received
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 — Account status incorrect
Company: Atlanticus Services Corporation (PA)

I have sent several emails to this company informing them of XXXX XXXX XXXX that is now in automatic stay by the XXXX Court.I sent orders from the judge that was ignored and they continue to charge a XXXX percent interest plus adding late fees.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital one is extremely inconsistent and their reporting to credit bureaus. They havent reported to one of my accounts in more than a month. They have no problem always reporting you immediately if you are XXXX XXXX over your limit. These inconsistencies should never be allowed. Its definitely not fair that my credit drops XXXX points when Im XXXX XXXX over my limit, but Ive paid them off and they havent reported this. Why do they get to wait when they are paid in full but get to negatively impact peoples credit immediately?
Consumer complaint received 2022-06-05
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. (SC)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, have 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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NV)

Milestone- which is now XXXX. Violated my consumer rights. I told them I had a XXXX XXXX. They still reported to the bureau of a XXXX  day missed payment. I demand that you do a goodwill adjustment.
Consumer complaint received 2022-12-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I had a loan with Huntington bank called XXXX XXXX XXXXXXXX I went to the bank to make the payment they told me you had to have a account with them to make the payment. I had a account they closed it. I open a account on XXXX XXXX I Zelle me over the payment amount. I checked the account on XXXX XXXX payment still sitting there I called the lady I spoke to put the payment through gave me a confirmation number. I got a email saying thank you for your payment. On XXXX XXXX I got a email stating they reversed it. Got another email saying payment unsuccessful. I called spoke to XXXX he said on XXXX XXXX XXXX closed out the bank account so the payment was reversed and a check is being mailed to me. I was lied to on XXXX XXXX that payment was all set. Now I have to wait for this check to come back to me so I can pay them. This is hurting my credit. I cant even look up this account online or call and listen to my transactions. This is not right. I made the payment on time even spoke to a rep and was told I was all set then 2 days go bye and account was closed so they send me back my payment. I have had so much trouble with Huntington over and over again.. I spoke to the Fraud department XXXX XXXX was told from XXXX that Fraud department closed out my account and I had to go to collections. I should not be in collections all payments have been on time. This matter has been getting worse and Huntington does nothing. But blames you and sends you to collections. This is unfair under the Fair Credit Act.
Consumer complaint received 2022-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

It says I have a balance of {$710.00} thats owed to capital one. 
It says I owe XXXX to XXXX XXXX  It says I owe {$200.00} to a XXXX XXXX I never opened any of these my ex boyfriend opened these behind my back I just found out.
Consumer complaint received 2024-04-06
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: Westlake Services, LLC (CA)

Wilshire Consumer Credit is reporting a Redeemed repossession and Redeemed or reinstated repossession in the comment section ( s ) on both my XXXX and XXXX credit reports. The repossession took place in XX/XX/XXXX. The comment should be removed since its been more than XXXX  years since my initial late payment that lead to the repossession per 15 U.S. Code 1679c - and FCRA 605 ( a ) ( 5 ).

This comment is still having an adverse impact on my XXXX and XXXX credit reports affecting my score. 

I submitted a dispute with both XXXX and XXXX on XX/XX/XXXX, after obtaining my payment history ( attached ) from Wilshire Consumer Credit which clearly outlined the dates of the repossession. Neither credit bureaus have removed the comment despite providing them with proof that the repossession occurred more than XXXX  years ago now. Instead, they just changed the name of the original creditor.
Consumer complaint received 2022-06-05
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. (SC)

In accordance with the Fair Credit Reporting act : DPT EDXXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, have 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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Consumer complaint received 2022-09-29
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, 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 Account number : XXXX, Account name : XXXX XXXX, Account XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX & XXXX XXXX XXXX XXXX Account name XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX, account number : XXXX Account name : XXXX, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX note : credit bureaus won't give me full account numbers of the above accounts 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 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 2020-02-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Company : XXXX XXXX XXXX XXXX XXXX on behalf of Lakeview Loan Servicing Lakeview has promised my parents that due to the change in interest rates, they can provide them a lower mortgage interest rate at 3.930 % with no out of pocket costs and/or closing costs. The problem is, we just moved into this home XX/XX/XXXX and I am part owner of this house. They have not received my consent to do so. When finding out what was going on, my dad provided me a draft of their documents. They are instructing my parents to provide them a deed that I'm not listed on ( previous deed ) in order to close on the loan without my consent.. We had a lawyer draft a document that he then filed with our local Appraisal and/or County Clerks office. I have tried to contact them only to find out multiple people have handled our loan no longer work with this company and I continue to receive voicemail. Today XX/XX/XXXX, I sent them email to discontinue, terminate, and cease practices or servicing of the attempted loan refinance with my parents. Please help us. This company is supposedly associated to the company we currently pay our mortgage to. We are afraid of retaliation due to the current servicing of our loan. Thank you for any help you can give so other people that may be in our shoes get the same help.
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rozlin Financial Group, Inc. (NY)

Rozlin Financial just opened a debt t on my credit report as collections .... this account was taken off my credit report as a bankrupcy years ago and now they opened it again ... it was through XXXX ....
Consumer complaint received 2023-10-18
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about 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
Consumer complaint received 2022-09-29
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. (MO)

I am frustrated and I feel ike the Credit Bureausa have been ignoring my disputes requesting the correction of the disputed items that are still reporting on my Credit File despite the multiple letters and CFPB Complaint I have been submitting addressed to the Credit Bureaus. As of now, I am submitting another CFPB Complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. Please correct and or remove the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX- This address in incorrect and outdated, I need you to please remove this inaccurate address from my Credit File. 
XXXX XXXX  XXXX Balance Owed : {$0.00} - This account is CLOSED and the BALANCE is XXXX, and you have been reporting this account as late when in fact the account was paid and closed. Please correct this account or remove if unable to correct.
Consumer complaint received 2022-06-05
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. (OH)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, Partial Acct # XXXX, XXXX  XXXX, Partial Acct # XXXX ..., Partial Acct # XXXX ..., XXXX XXXX, Partial Acct # 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.