davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (NY)

On XX/XX/XXXX I attempted to access my Robinhood account as normal and it said I had password wrong. I figured I had somehow forgotten after several times. 
When I used the reset password function I did not receive email from Robinhood as I should have. At this point I attempted to contact Robinhood customer support via telephone. All phone options are dead end so I began emailing. I got form response at first, after a week they said " the emails you are receiving about password change are probably another user who typed email wrong ''. Robinhood sent me an email address that I do not recognize and said that it was my email. I replied that it was not. Robinhood has sent form reply, saying they will get to it in 3 days. It has been almost a month. 
I have emailed almost every day.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I settled a XXXX  XXXX collection balance with a law firm. ( Account number XXXX ) I attached the SETTLED IN FULL letter to the disputes at the bureaus. The bureaus left a balance on the file. This is a violation of my rights under the Fair Credit Reporting Act. 

According to Section 611 ( a ) ( 1 ) ( A ) of that law : Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The key phrase in that paragraph is : " RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE '' The current status is that the balance is XXXX.
Consumer complaint received 2020-01-24
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. (WA)

I contacted both Experian, and XXXX multiple times since paying off an XXXX XXXX XX/XX/XXXX. I provided documentation from XXXX to Experian on XX/XX/XXXX showing the account was paid in full XX/XX/XXXX. Experian contacted XXXX XX/XX/XXXX, despite my documentation, who incorrectly reported that the balance was correct, when it was already paid and closed, reflecting it paid and closed in both confirmations sent to me, and in my XXXX account management. I re-disputed the account, providing the documents again. Experian re-closed the dispute XX/XX/XXXX, claiming again that they " confirmed with the XXXX lender that the information is correct. ". I again reported it as closed/XXXX  balance, providing the documents a 3rd time. I contacted XXXX on XX/XX/XXXX, requesting they update the information immediately. They sent a confirmation of receipt of my written request stating they would respond in 24 hours. They did not respond. I have submitted a 4th dispute with document with Experian. This is getting ridiculous. When a consumer provides proof, how can they unilaterally ignore it and go with a dishonest report from a company? This account is closed and XXXX balance. Furthermore, another account by XXXX is reporting XXXX paid off when 3 payments have been made. These companies are adversely reporting incorrect information and the credit bureau is not fixing their error when the have been provided proof 4 times. How are they doing this? I want my information corrected, and ignoring a dispute with documented evidence is unconscionable. They also refused to remove 2 inquiries that were not mine or authorized by me, addresses I have never resided at nor used, incorrect names that I have never used, and they refuse to correct the information. I can not believe that companies like Experian, who have control over consumers lives, have no accountability to the consumer. I think this is something that needs to be addressed. When a consumer provides proof that information is incorrect, it should be corrected.
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

The collection agency is Fair Collection and Out. I have disputed the amount multiple times with no help. Recent dates include XX/XX/2021, XX/XX/2021 and today. I have spoken with two representatives on the phone and even left a message for a manager. I have informed this company that the paperwork submitted to them from the original debtor is false and they are still not willing to help me. The original debtor no longer exists. I am trying to get this taken off of my credit but they are basically telling me I have no choice but to pay it or leave it on my credit. I just want this problem resolved.
Consumer complaint received 2018-02-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BREMER BANK, NATIONAL ASSOCIATION (MN)

Bremer Bank, XXXX, WI had safety deposit box for my mother, closed it and sent back 2 keys, 3 years ago but they keep charging me. 

Couldn't open a bank acct here because of it. 

Thrtough my mothers probate through a court they asked for debts for 60 days and no one filed claims yet I'm not allowed to open my own bank acct now.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian has continued to report an account after being given all necessary documentation and proof that the debt is not owed to the company. The matter has already been to court and a letter was provided from the courthouse. No money is owed to the collector. It was an illegal eviction.
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: URS Holding, LLC (LA)

On XX/XX/2019, and employee of XXXX XXXX called my place of employment, XXXX XXXX ( XXXX XXXX XXXX ). I have never allowed nor given permission, and always denied permission for any of my debt holders to contact my place of employment. I have repeatedly asked them to stop contacting my family, friends or anyone other than myself on my personal telephone, and would rather them only reach out through mail. She provided my co-worker with information regarding my personal debt collection matter that should not have been disclosed. She shouldn't have even provided that she was a debt collector. I can not receive communications from anyone at my job that is not a medical or family emergency. This company should be reprimanded for harrassment and disclosure of personal information. As a note, my employer also notified her that she is not to call work with my personal matters.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUSTMARK CORPORATION (MS)

I bought this house on XXXX XXXX in XXXX Mississippi in XXXX. Trustmark shows a purchase date of XXXX. This is taking away 10 years of my credit history as I'm trying to buy a new home. Trustmark says that I have to locate my paperwork from XXXX to prove that was when I bought the house. I bought it in XXXX and not in XXXX
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. (GA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights as a consumer : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXT Account Number : XXXX XXXX XXXX  Account Number : 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
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: 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 USC 1681. 
DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX  ( Original Creditor : XXXX ) XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-09
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: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my account has been diligently neglected by XXXX Credit Bureaus. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, XXXX Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX
Consumer complaint received 2021-11-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

First, I had problem getting my credit report. They ask questions and I know that I answered them correctly. Then they wanted me to verify my identity by uploading my drivers license and a bank statement via online. The files were well under the size limit this did not work Subsequently, they did send me my credit report.

Now, I am trying to lift a security freeze on my account temporarily. I know that I answered the questions correctly. I called my bank and got the term length of my auto loan. The second question was the bank of my auto loan. Obviously, I knew that because I just called. The last question was the last four digits of my cell number. I certainly know that. 

Now, they want me again to mail in documents to verify my identity.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (OH)

I am a XXXX with credit score ( FICO ) of XXXX and credit utilization of less than 2 %. My credit history is since XX/XX/XXXX. I have never been late in making payments responsibly inmy entire life.I earn close to {$480000.00} annually and am a credit worthy customer. 

10 days ago, I applied for credit card for XXXX XXXX company as I had become their customer as of XX/XX/XXXX and obtained insurance on my three XXXX XXXX cars and three XXXX  XXXX vehicles and our personal property. The card was through XXXX XXXX of XXXX Ohio. I wanted to give my full loyalty and business. 

Today, on XX/XX/XXXX, I received a letter from XXXX XXXX that I have been declined for credit citing reasons that I have high credit utilization and low level of authentication indicating identity fraud. 

Bank never confirmed my income as a XXXX working for more than four XXXX and serving as XXXX XXXX who was trained at XXXX and has never had a negative credit event. 

I tried to approach te bank however as you can see from the attached letter that bank does not publish its phone number. I called the bank and its representative refused to give me phone number of the approval/denial department citing that I need to call XXXX which we all know, does not make creit granting decisions. 

I believe that bank violated Federal laws under Federal Equal Credit Opportunity Act and State laws in Ohio which prohibit discriminationagainst a person of foreign descent who is a US citizen. My last name is the reason for refusal of credit. XXXX XXXX failed to comply with teh laws that require that " all creditors make credit equally available to all credit worthy customers.
Consumer complaint received 2023-01-18
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$5400.00}.
Consumer complaint received 2023-03-03
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. (MO)

Im submitting my first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  MO XXXX XXXX XXXXXXXX Balance : {$630.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$3700.00XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-03-03
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. (MD)

This XXXX XXXX  account ( account # XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report , and has been well over 4 days since XX/XX/XXXX.
Consumer complaint received 2023-03-03
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)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine {$3300.00} FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} FCRA Violation : other loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation : collection not mine XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2023-03-03
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. (NC)

I recently check my credit report and was surprised by multiple account and information that doesn't belong to me. I never applied to these companies or gave them my information. I don't know how this fraudulent information got on my credit report. 

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
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I XXXX XXXX have a credit card with XXXX XXXX I have reached to them they have reached out trans union about the fact I have an authorized use my husband XXXX XXXX on my card but I cant get them to report the fact he is an authorized user to his credit
Consumer complaint received 2018-04-02
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: CORELOGIC INC (NC)

I have mailed a letter certified and not received anything back letting me know that they had in fact permission to run my report I had I dont need that and I believe this is part of it
Consumer complaint received 2021-08-18
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. (WA)

1. XXXX is my student loan servicer. 

2. They are reporting my student loan status to XXXX  and XXXX  as " Paid or paying as agreed. '' which is correct BUT to Experian as " Was delinquent 180 days or more past due date. '' which is NOT correct! 

3. I wrote XXXX in XX/XX/2021 and asked for a summary of the months where they claim I was 180 days delinquent. Their attached letter is dated XX/XX/2021 (? ) and addressed to someone named 'XXXX '. It is not responsive to my request. 

4. I wrote Experian to dispute the incorrect information. They responded saying that XXXX has confirmed the entry.