davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (AZ)

My Robinhood account is locked with over XXXX XXXX of my profits in it. I was told my account would be set to withdrawal only, so basically that means I can send check to address on file or direct deposit to account on file. They locked my account due to a failed deposit from my account and they reversed a bunch of money out of my account to people I had wire transfer me funds. But anyways. All I want is my money out. Send a check to address on file or let me withdrawal to account on file. They've told me twice that all funds would be released ( including all profits, when specifically asked ) They say its under review but it's been 3 months. I could be investing those funds. This is now causing me financial damages as well as personal hardship. Please help me. I'm begging you. I can't deal with these generic responses anymore!! Robinhood is not out for the poor. But to Rob anyone they can!
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

At the beginning  of XX/XX/XXXX, I owed American Express {$22000.00}. During the year, I paid {$6200.00}. At the end of XX/XX/XXXX, I still owe {$19000.00} due to their high interest rates and their penalty fees. They lowered my credit limit to {$18000.00} although I never charged more than my original credit limit. They have collected {$2600.00} in interest and $ XXXX in fees, making their total for the year {$3000.00}, which is 48.6 % of the money I paid each month on my account. 
Because I could not afford to pay the full minimum payment requested some months, American Express termed it a " late payment. '' This misnomer has seriously damaged my credit score, which makes it difficult and expensive for me to borrow the money to pay them off. Is there any law to protect consumers from this practice?
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statuses. It is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile. 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report. 2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report. I assert that the entities providing information to the credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 3. Revocation of Consent : I hereby revoke any forms of consent be it verbal, non-verbal, written or implied for the furnishers to furnish my info. 4. Nondisclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 5. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 USC 1681s2 ( a ) ( 1 ). 6. I have also noticed some unauthorized inquiries items that must be removed. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time - XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX have all violated my right to privacy. 7. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my my credit profile with XXXX, Transunion and XXXX. XXXX. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in Transunion, XXXX and XXXX systems concerning my report.
Consumer complaint received 2022-01-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Was contacted this day by Midland Funding on a very old debt that I dont feel belongs too me or was opened up under my name and social fraudulently I feel that too be fair too me as a consumer the original signed papers on the debt that midland funding took over should be presented to me in proper form for my review along with evidence of proper amount owed too the original credit so that I can review and make a decision if I need too seek legal counsel in this matter I dont feel that the account in the amount of XXXX was my doing and feel that this was unjustly ruled against me without initial contact of the matter 5 years later this date from when the account was originally opened to initially contact me by Midland Funding its unfair and damages my good faith credit report. damaging my credit worthiness on the part of this Company.
Consumer complaint received 2021-11-08
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: CITIZENS FINANCIAL GROUP, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CITIZENS BANK NA ( Account # XXXX ). I have always made my payments on time. For some reason, I realized that there were multiple late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late payment since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. Otherwise, delete this account ASAP.c
Consumer complaint received 2021-11-08
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: Westlake Services, LLC (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not satisfied that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting incorrect information on WESTLAKE FINANCIAL SVC. Per FCRA, reporting must be 100 % accurate or the information must be removed.
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (FL)

I revived a letter from Gold Key stating that the debt was or will be removed from my credit report. 
Also you have not contacted XXXX to report the changes in my credit report, I would ask you to do so, XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

i have asked XXXX, EQUIFAX AND XXXX to provide proof of the late payments that are currently reporting on my current credit reporting. i have never been late as a matter of fact all my payments comes out automatically ACH from my checking account. i have reached out to the creditors as well and they keep telling me that they will investagate the issue, however they never get back with me as well.
Consumer complaint received 2022-04-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

This company has NOT provided me with ANY INVESTIGATION RESULT regarding complaint ID XXXX of XX/XX/2022. It is now over 30 days and I still DO NOT KNOW what their investigation result is. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it has 30 days to investigate disputes. If it can not verify the information within the 30 day time period, it must delete all of the disputed accounts from my report.
Consumer complaint received 2021-11-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, BK OF AMER, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Consumer complaint received 2018-02-07
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. (MD)

I have an unauthorized credit inquiry on my Equifax from XXXX XXXX XXXX XXXX dated XX/XX/2017 that I did not authorize.
Consumer complaint received 2021-11-08
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. (PA)

Reviewed my credit report and I noticed that XXXX XXXX has furnished inaccurate information inn credit report Account detail differ incompleteness for XXXX.account status says derogatory but payment status says charge offdate opened differs. Balance is reported XXXX but reports say charge off. High credit all bureaus differ.credit limit differ. Past due is a balance is XXXX. It shouldnt have a balance if its a charge off. Last reported dates differ. Comments all differ. Date last active all differ. Last payment differ. 
Payment History has incompleteness XXXX XXXX had furnished inaccurate information this information has not been validated after requesting
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (OR)

On XX/XX/XXXX, I was contacted by a collector from XXXX XXXX XXXX - XXXX XXXX. The collector advised me I missed a payment and was past due. I advised her that I could not talk at the moment, as I was in the bathroom, but would call back. Later that afternoon, I received an additional text from XXXX XXXX asking for a payment - 2 collection attempts in one day. 

Since then, I continue to receive calls from the company using multiple phone numbers form different states. These calls do not leave messages. 

I called today and requested a Cease & Desist as I find their collection 's practies to be harassing. In addition, I advised I will be filing for bankruptcy and will be paying my retainer later this week. After talking to XXXX, then XXXX, and another employee, I was routed to XXXX XXXX in XXXX XXXX. 

XXXX XXXX advised me that she was able to confirm that my number was removed and advised all future communication would be by mail. XXXX XXXX was unable to provide me details of my previous conversation with their employee on the XX/XX/XXXX and apologized for the additional text I received that day. After ending my call with XXXX XXXX at XXXX PST, I received an additional call from XXXX XXXX at XXXX from one of their numbers - XXXX.
Consumer complaint received 2022-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have credit cards that are closed and paid off and Im still trying to get them removed. I try not to pay someone because my funds are low but please help me remove all these old accounts.
Consumer complaint received 2021-08-18
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. (CA)

On or about XXXX XXXX XXXX - an auto loan I had was paid in full. The account from XXXX XXXX XXXX is still showing as ( i ) open and ( ii ) with a balance on my credit report. I disputed this information with Experian - to which they concluded the account and current status will remain on my credit report because " the company '' ( XXXX XXXX XXXX ) has confirmed the results. 

When I initiated the dispute, I provided a copy of the letter I received from XXXX XXXX XXXX stating " consider this notification that the above detailed account with XXXX XXXX XXXX ( XXXX ) effectively shows a XXXX balance as of XXXX XXXX XXXX  '' The letter showing the XXXX balance was not enough for Experian to either ( i ) update my credit file to show this account as having a XXXX balance or ( ii ) change this account from an open status to a closed status.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (DE)

Last year I discovered a false account with XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Last year I discovered a false account with XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

So I didn't start worrying about credit until I was in my middle 40s. I'm currently XXXX years old and when I turned XXXX I wanted to open a business and it was a difficult for me to get funding due to the fact I was told my credit report was bad and had a lot of negative items on them. So I started learning about my credit report and I noticed that I never had the credit cards or vehicles or phones or loans that were showing up on this report. So I kept studying and learning about the laws regarding credit reports and how to get these things off so I can establish some sort of credit. I found out the charge offs were the worst and I had two of them one with XXXX XXXX that started in 2013. I watch XXXX videos and also read a lot so I couldn't afford to have somebody do this for me so I started getting these items off my report myself and I filed reports with the identity theft.gov Federal trade commission I've made police reports and most of the stuff has been removed but this charge off has been very difficult with XXXX XXXX and XXXX XXXX. I've taken the necessary steps and their stonewalling me. I might need these items off my report so I can move on with my life.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX I was supposed to receive my pua unemployment benefits bacc pay. Speaking with a representative I asked what was the limits for direct deposits because I was getting about XXXX he said its XXXX a year and that amount should be fine. So I set up my direct deposit for the serve account and received XXXX I tried logging on to get some cash and they permanently suspended my account for no reason saying I violated the terms and I had to write a letter. I am XXXX  for 2 weeks and i been waiting 6 months for unemployment. My Bill 's are still pulling up I dont know what to do
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understand that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2020-01-23
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. (CA)

everyone is aware of the many data breaches. my wallet was stolen a while ago while i was hospitalized, and that was a mess and soon after, when i was turned down for credit, i reviewed my credit report to find several accounts/creditors, and other inquiries, obviously the thief is trying to get more credit. i've always had perfect credit, and this is ruining my ability to commerce. my mother is coming from XXXX to live with me, and i need to have access to credit options, to take care of her and myself, can anyone please help me. i have contacted the bureaus several times, and they have refused to remove this negative information off of my report. being from another country i can not understand how anyone can put something on a persons report, and then the innocent party pays a cost. ve written the bureaus and the creditors asking me to provide the contracts with my wet ink signature, and to date not one has responed, and the negative information remains on my file, can anyone please help me
Consumer complaint received 2018-02-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Coastal Credit, LLC (CO)

On or about XX/XX/XXXX I spoke to a representative at Coastal Credit and had made an arrangement to pay {$50.00} to get my XX/XX/XXXX payment deferred, the payment was due by XX/XX/XXXX. I had a problem getting the funds by that date due to the fact that I had to pay my rent and utilities since I am in the process of retiring those things were my priority, so on XX/XX/XXXX i called the company to see if i could pay it on that day. I spoke to the account rep XXXX and he said he would not accept it that I could pay the full monthly payment amount and the he could look at deferring XX/XX/XXXX payment. During the conversation he was rude and i felt harassed and pressured because he said to me something to the fact well you are 31 days past due and it can be reported to your credit bureau and isn't the car important to you. I told him no keeping a roof over my head is more important, so he said well what if we just come pick it up between XXXX and XXXX. I told him to let me know and i would get my stuff out and he could have it. He then said to me well you seem frustrated because you are talking over me I said to him no I am in a hurry to get to work and he kept on with you seem frustrated. He then began to say well he will give me a few days to think about it and follow up with me and he hung up on me. Later that night on XX/XX/XXXX a lady by the name of XXXX called me and we discussed what had happened between XXXX and myself, she said that her manager told her to follow up with me to see what they could do to help,, short of it she was willing to defer the payment and take the {$50.00} with it due by XX/XX/XXXX and a full payment by XX/XX/XXXX. I informed her that I no longer wish to be contacted by XXXX. She said that she would note my file and asked if she could call me on his behalf I said yes, but did not wish to be contacted by him again. Well long story short today XX/XX/XXXX i got a text msg from XXXX at XXXX XXXX my time and that is clearly a violation of the FDCPA. I am not to be contacted before XXXX XXXX my time and not after XXXX XXXX my time and he clearly violated that. Also after reviewing other text msg from this companies reps I also received a text msg on XX/XX/XXXX from someone named XXXX about a payment that I had scheduled that did not go through. This is truly to violations of the FDCPA within about a 90 day span. I called the company this morning ( XX/XX/XXXX ) and spoke to a lady that said she was a manager and that she would report this to the director.  I feel at this point that this is harassment when i am making an effort to communicate with them and to try and make a payment.