davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (VA)

I attempted to login to my Robinhood account. I was told that the password was incorrect when I attempted to reset the password I received a message that stated I needed to email Robinhood because my account had been attempted to be accessed outside of the US. I emailed and stated I no longer wanted to unlock the account I wanted to close it because of the breach I no longer felt comfortable. I received an email from Robinhood asking for all my personal information the same day it was requested. I received an email today stating that they were going to close my request because it was not received. I emailed back and stated that I had sent it and I was concerned that my PII was not tracked properly. Later today I received an email stating that in order to close my account they need me to take a picture of my ID and send it to them. This is unacceptable. Robinhood does not protect their consumer and puts the consumer at further risk by requesting PII over an non-encrypted email. Consumers should know that Robinhood does not protect their information. It is not a safe platform to use.
Consumer complaint received 2024-03-22
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P. (NC)

I was notified by phone of this debt, and was told if I went on a payment plan they would not report to the credit bureaus. They still reported to XXXX and my credit went down XXXX points. All calls are on a recorded line so they lied to me, the consumer, just to get some type of payment out of me. I am XXXX and live on a very limited income. I feel like they took advantage of me.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

I have tried multiple times to show them that my trip was cancled XXXX the remaining XXXX is fraud i have sent email after email and they still keep saying i owe money i also have tried contacting original issuer they say they cant verifiey my identity they said i set up pass code and i did not i also have sent them email after email and email cancelation of trip and still nothing!!
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

To Whom IT May Concern My name is XXXX XXXX. On XX/XX/2022. I submitted a dispute letter to Experian. I saw many addresses that were not mine as well as other information. So, as a consumer, I sent a certified letter to dispute this information. I asked them to please send me my report after the investigation and how they verified it but, nothing ever came. I just happened to log on to my profile and saw that all my information was verified. How though when nothing was sent to me in regard to what they did to verify my dispute. I asked for the credit report in my letter and the means they used to verify this information was mine. 
I sent a utility bill to show my address as well as my ID. Still nothing. Two proofs of residence and they still refuse to remove all the other addresses besides the only one I currently live. My current address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX GA XXXX. As of today XX/XX/2022, I still do not have an updated credit report from them. I called as well to ask them about their verifcation process and nothing has happneed. They told me they verify with their source and then I asked them what source casue these addresses are not mine they didnt say anythign but ok we updated and thats it. I take my credit very seriously and with these collections that are not mine as well as, addresses and phone numbers that are not mine are disturbing. I hope that this issue is taken seriously and that my character as well as my credit report will be reported moving forward.
Consumer complaint received 2024-03-22
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a dispute for the amount of {$18000.00} and they divided that in to different claims Claim # XXXX for {$10000.00} Claim # XXXX for {$4800.00} filed and sent them police report and they keep saying I gave permission for those transactions but yet they credited me for {$900.00} claim XXXX thats part of the same claim so I dnt understand how they approve one part of the claim but not the other of they are all the same incident
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (IL)

As of XX/XX/XXXX, I had applied for a home loan mortgage for a new home purchase through Better Mortgage ( NMLS ID XXXX ). Within the submission of my application, I have indicated my income sources, including future income source of converting my currently primary residence into a rental property and collecting rental income to offset some/all of the expenses. The new home purchase expense would be covered by my XXXX XXXX income. On the application, I had indicated my intent to convert my current primary residence into a rental and indicated future rental income as a potential source of income as well. Upon accepting my application, I did not get a single email or call to clarify or review my qualification profile. Instead, I was provided a link to start uploading documentation which would allow mortgage underwriter to review my application. I had followed the steps and uploaded all the required documentation. In addition, I was required to submit a non-refundable appraisal deposit to perform an appraisal inspection. Weeks had passed and I was notified in XX/XX/XXXX that I would not qualify for the loan application. One of the reasons outlined was that I do not hold rental income history and such income could not be used to be qualified. Such information did not take weeks to be addressed. Such information may have been reviewed and clarified by a loan officer upon reviewing my application. My initial application indicated my intention to rent my current primary residence and use potential rental income as future income source to assist me in qualifying for the new home mortgage. A trained loan officer can identify such potential 'red flag ' upon reviewing initial loan application and review potential outcomes or issues with a customer upfront. It does not take weeks, lists of documents, and delays in loan process to determine such issue. If a trained loan officer would have reviewed the application in detail on Day 1, an appraisal order may not have been even placed given my inability to meet Better Mortgage future rental income guidelines.
Consumer complaint received 2021-11-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Recently i received a copy of my Experian credit report and noticed multiple unauthorized opened accounts from XXXX added to my credit file, i did not give permission for Experian or any one else to run my credit, i did not apply for loans or any credit cards with XXXX. Experian gave XXXX credit card company access to my credit file without my permission. 

there are 2 XXXX accounts that are reporting balances and late payments in my Experian credit file that do not belong to me and when ever i talk to Experian they blame XXXX and when ever i talk to XXXX the blame Experian saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.
Consumer complaint received 2021-05-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2017-12-15
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. (IL)

I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. 

Thank you, XXXX/XXXX/XXXX
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

The COMENITY BANK. Calling me every day like XXXX times. Sometimes every singel hour. I tried to pick up several times but they just hang up. They not ringing long so usually I can't even reach my phone to pick up. I tried to block the call but they using like XXXX different number. It's happening every single day.
Consumer complaint received 2021-05-02
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the creditors ( XXXX XXXX XXXX XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature
Consumer complaint received 2021-01-29
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. (DC)

The credit bureaus have failed to address an account on my credit reported by XXXX XXXX which is not being reported accurately. My disputes of this concern have not been responded to. The account being reported by XXXX XXXX has reported 120 days late each month for over 9 months while reporting the last payment date of XX/XX/2020. The account was initially charged off in XX/XX/2020 but was reopened a few months later. If you review the past due amount it will clearly show that the amount is far past due. How could this be accurate? Unfortunately, the vehicle that I was financing blow a head gasket and is in need of a new engine, financially this has put me in a bad place. However, I expect the account to reported accurately. The creditor and the credit bureaus are in direct violation of the FCRA as it pertains to reporting information correctly and responding to disputes.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

My wife received a phone call regarding medical bills and my daughter 's private XXXX XXXX XXXX that she had discharged in her BK They asked for me and then said I owe the debt for 2009 They did have a judgment against me for 7 years Now They just sent a certified letter saying I owe $ XXXX and have to be in court on the XXXX of XXXX. I would assume that the statute of limitation is up but I'm not a lawyer
Consumer complaint received 2021-10-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collins Asset Group, LLC (NY)

Years back, I brought a car from XXXX XXXX, XXXX, located atXXXX XXXX XXXX, XXXX, NY XXXX. The vehicle was financed through XXXX XXXX, XXXX was found to be a predatory lender, and I was part of a complaint filed against them in 2016. XXXX still has outstanding complaints with the XXXX. I was told by XXXX and sent a letter stating that the lone was canceled and that the information would be removed from my credit report, and it was. About two years later, I got a call from someone at Collins Asset Group , Llc, located at XXXX XXXX, XXXX, TX XXXX XXXX When I explained to them that the debt was with XXXX and that the lone had been canceled and I informed them of the ruling, I didn't hear from them. Later I found out Collins Asset Group , Llc reported me the credit agencies. When I contacted a lawyer, I was informed that XXXX XXXX went out of business and that the statute of limitations had run out to collect on this debt. Given all this information, Collins Asset Group , Llc, is still pursuing this debt, and I have written many times asking them to remove the false information from my credit profile. And in a recent phone call, Collins Asset Group , Llc did not inform me that the statute of limitations had run out to collect on this debt and instead tried to get me to agree to a payment agreement.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (TX)

I am a victim of identity theft and I never entered a consumer transaction with XXXX XXXX XXXX nor have I ever even heard of Credence Resource Management. After consulting with my legal team, I have been instructed to reach out to Credence via the CFPB and registered agent. I have mailed the registered agent via certified mail asking for certain information to validate the debt. I have the right to full material disclosure as the consumer.
Consumer complaint received 2021-05-24
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. (MS)

on XX/XX/2021 i sent letters to the CRAs about personal information being inaccurate and requested them to update on my report to keep me from being prone to identity theft.as of XX/XX/2021, i have not heard from either of them concerning my personal information.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Hello There is a lot of incorrect information showing on my credit report and after investigating I was able to confirm that I had the right to send my complaints via letter to the Credit Bureaus, well I must say im not happy with the way this has been handle since I always try to get in touch and I either get ignore or adviced that there will be an investigation open and no result its provided, its been months since i've been waiting for an answer.
Consumer complaint received 2021-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CA)

I reported fraud and sent police report. Have not received the following finds : XXXX {$78.00}. {$5.00}. {$53.00}. {$20.00}. {$200.00} XXXX XXXX {$20.00}.
Consumer complaint received 2021-05-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A letter was sent XX/XX/2021 disputing two collection agency collecting on the same account reporting open with a balance which is XXXX XXXX. 
Today date is XXXX,46 days late and I still aint heard nothing from them which is a violation FCA , section 611 ( a ) ( 5 ).
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/2024, the creditor sent two separate emails to my parents, providing them all information about my debt, including amounts owed. I never provided them with these emails as being okay to contact. 

My parents now know very personal information about my debt history and it has caused extreme interpersonal and family problems due to this, all because of the credit collector recklessly giving them this information without my permission.
Consumer complaint received 2021-11-10
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. (IN)

I Have sent over and also call this company about this matter for about 2 months. I Have accounts as well as an address that does not belong to me but they continue to call it " verified '' in which they have it gave me proper proof that what their saying is " verified ' is not actually really accurate. Having Unverifiable accounts on my credit report is against the law and they still continue to not follow the law in my case. I have file an FTC report and sent it to them with also other documents showing them what I stated is correct to proof what I am saying is correct. They still yet to give me a real investigation on my case. Again those accounts and address do not belong to me and want them situation handle the correct way. I am tired of being treated this way and I have a right to an accurate credit report.
Consumer complaint received 2021-11-10
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. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

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 : XXXX  Inquiry Date XX/XX/2021
Consumer complaint received 2021-02-04
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: NAVY FEDERAL CREDIT UNION (CA)

A credit card account was opened in my name on XX/XX/2019 by Navy Federal Credit Union with a current balance of {$7700.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have called and submitted several requests to see my credit report on their website. The representatives have said that they were escalating my issue, but no supervisor has called me back after months. They acknowledged seeing my prior calls and have been surprised I have not been contacted in all this time.