davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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. (MA)

In accordance with the Fair Credit Reporting Act any inaccurate date, information, reported account history, and addresses 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. 

I pulled my entire credit report and noticed inaccurate dates, addresses, missed payment info and account history, remarks and information. I decided to write 409 letters to each credit agency on XX/XX/2022 to fix this. As well as a verification of method used letter on XX/XX/2022 to follow up and verify information that was verified. I also wrote a demand and comply letter to continue to try and resolve the matter.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (OH)

I have been fighting with Robinhood to get them to unrestrict my spending and investment accounts for 11 days now, since they restricted it for " suspicious activity '' on XX/XX/31 when I tried to use my debit card linked to my spending account at a grocery store XXXX mile from my house. I had the correct PIN to use the debit card, because I tried twice, and I had used the card before multiple times before that. I have provided the following documentation to Robinhood to verify it was me : picture of my driver 's license, pictures of myself from multiple angles, picture of SS card, and two bank statements. That's a lot of documentation for something like this, it seems. Especially ridiculous since I talked to them on the phone and verified my identity several times. There is zero sense of urgency on their end to resolve the issue, all the while my money is locked up. It's not an insignificant sum of money for me either. I get that suspicious activity happens and Robinhood has to protect me and itself. Those documentation requirements are seemingly a bit onerous, but, setting that aside a minute, there needs to be some timely resolution of these issue. Robinhood advertises that you should go direct deposit with them. Imagine if I had done that? I'd be 10 days without access to my pay! I have no idea why things are so messed up there, but they are. Someone needs to look into Robinhood and their practices before someone gets hurt.
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE (NY)

Barclay Bank Card retained a law firm XXXX XXXX XXXX who brought action against me in a court with no jurisdiction from a city court we do not reside in. My husband was served papers by a process server who was dressed like law enforcement. When my husband told the server that what he was doing was illegal. The process server became argumentative & my husband told him to leave. The server sat in his car in my driveway for over 5 min on the phone. He then peeled out of my driveway striking & damaging my gate & drove off. This happened on XX/XX/XXXX. My husband filed a Police report with the NY State Police on XX/XX/XXXX. I have wrote & called numerous times to both parties & have been ignored! The process serving Co. Paid {$100.00} for the gate, but the cost is {$300.00} for repairs that we have demanded from both the law firm & Barclay Bank to pay the balance. Plus they have violated the FDCPA of using a process server simulating law enforcement, Sued out of court with no jurisdiction, and have failed to report the alleged debt as disputed with the credit Bureaus that I have disputed many times with both parties.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

RUN SCREAMING NEVER GET A CARD FROM THIS COMPANY!!!!! It's such a fraud they build your trust and just snatch their credit cards back without any email or explanation. Play games with your credit and then I got the run around. My bank made an error XX/XX/18 and Capital One tried 7 times 8 including the other card without contacting me once. I'VE NEVER EVER had overages or late charges. They had me get a letter from the bank mgr. I did that stating their error, sent me a secured link XX/XX/ llike 10 times that DID NOT work and the customer service person kept asking me about my email address. I tried from 3 different phones and my desktop. WHAT A NIGHTMARE finally they tell me to fax it they'll get it in XXXX hours because their faxes get answered by a company even though their located in Virginia. I call back XX/XX/ the lady said get it current which mind you it was before it was negligently cancelled. Pay {$100.00} on one {$50.00} on the other. All the while I'm being treated like a criminal and not the long standing customer I've been which is why my credit was increased twice. So I call back NO ONE seems to know what is going on and I get told something different I have to add all the while. NO FAULT of my own the money was in the account and then some. They made sure to keep telling me we'll review it, you " might '' get your accounts reopened. I must've heard that atleast 50 times. AN AWFUL WAY TO BE TREATED! Even the bank mgr was shocked. SCAM, SCAM ALL THE WAY they keep tacking on miney to a " Closed accout '' I guess its only closed to me. Interest all these extra fees that had I be allowed to pay there would be none of this..I CRIED MY EYES OUT NO SYMPATHY, NO ASSURANCE AND NO FEELING AS A VALUED CUSTOMER. I was treated like a common criminal I guess it's because my name is XXXX, but I DESPISE HOW THEY TREATED ME THESE ARE AWFUL PPL. DO NOT GET INVOLVED WITH CAPITAL ONE THEY'RE A BUNCH OF QUACKS WITH NO CIVILITY.
Consumer complaint received 2018-03-21
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (CA)

My mortgage on my personal residence is being serviced by Shellpoint Mortgage Servicing. They have incorrectly stated that I have an escrow account for my mortgage. Further, they have incorrectly reported to credit agencies that my XX/XX/XXXX payment was 30 days passed due. All of this has prevented me from getting my mortgage refinanced. I have called them on numerous occasions with regard to the escrow account. They have repeatedly told me that I do not have an escrow account and they have corrected the problem only to find that the next months statements continues to indicate that I have an escrow account. In addition, on Wednesday, XX/XX/XXXX and Thursday, XX/XX/XXXX, per their customer service, the only way to deal with this was to send an email to their loan servicing department with full documentation of their errors requesting that they immediately correct my account and remove the 30 day notice from my credit report. To date, they have done nothing.
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - 11/19 15 U.S.C, 1681section 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 XXXX 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 XXXX years. XXXX5 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I have a recurring charge from XXXX XXXX that I've tried to cancel repeatedly. The business is in XXXX California, where I used to live, but haven't been since 2021. 

It's a gym and I've emailed, called and written to stop the charges. They did not reply. 

US Bank said that i could dispute a credit card charge but didn't offer any help because this is an XXXX withdrawal.
Consumer complaint received 2018-03-21
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. (FL)

I have sent Experian several identity theft reports with proper identification and Federal Trade Commission identity theft reports about XXXX XXXX XXXX account. This is NOT mines and asked them several times to remove accounts from XX/XX/XXXX to present through various official agencies including the federal trade commission, police reports, etc. Experian failed to remove XXXX XXXX XXXX account and is considered to be in violation of the fair reporting act. I would like this to be investigated and XXXX XXXX XXXX account to be removed from my Experian credit report immediately.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit Reporting, Victim of TransUnion inquire issues. I called and spoke to customer service and they were n't willing to take of the issue. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX.
Consumer complaint received 2020-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I have been victim of an online rental scam. I was wondering if you can please assist in accessing the information including finding out the tracing the funds between XXXX and USAA to identifying owner of the XXXX number, I called XXXX and USAA refused to get involved without an official police report. Both banks have full details of the transaction, but would not act on it without a police report / local law enforcement involvement. Police precinct # XXXX in XXXX refused to take a civil case. Can you please help trace the funds at USAA so I can recuperate the money back? I can provide transaction details. XXXX XXXX   claims department is XXXX. 

I was interested in an apartment ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) on XXXX in XXXX, XXXX XXXX XXXX with a XX/XX/2020 start date. I reached out to the owner ( XXXX XXXX XXXX ) via XXXX XXXX XXXX. Due to covid, the owner introduced himself and said he is unable to show the apartment in person. He mentioned he is currently in California and is renting out the place in XXXX. Due to covid, most sellers have been reluctant to show the apartment in person, so I can understand why. After several phone conversations ( XXXX - a XXXX  number ), he said that I can see the apartment once I put down the security deposit of {$900.00}, which was refundable if I do not like the apartment. 

I spoke to the owner on the phone asking detailed questions about the property. I went to see the outside of the property to make sure the description matches his listing. He had promised that as soon as I sent the payment, he would send the key via XXXX overnight. In order to secure the apartment, on XX/XX/2020, I ultimately paid the {$900.00} via XXXX at XXXX. He noted that this was his late wife 's account. 

I had requested a tracking number, picture of contents of the envelope, and a photo ID. It's been over 24 hours. He has not provided any of these items. I asked him to return the deposit, but he disappeared. 

On XX/XX/2020, I told both XXXX and USAA that it's a scam and hold the funds immediately, but they did nothing. They also refused to provide any information on the transaction. Under XXXX, there is no ability to reverse the transaction.
Consumer complaint received 2020-11-20
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: Consumer Adjustment Company Incorporated (DE)

I recently challenged the validity of XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXX - XXXX ( Collection ) account and CONSUMER ADJUSTMENT CO ( Original Creditor :XX/XX/XXXXXXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Consumer complaint received 2018-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

To preface this is about the tenth time this has happened. XXXX XXXX/Navient has mis-allocated my student loan payments, ( again ) making certain loans become past due. I have called them over and over to solve the problem. As a customer, this is extremely frustrating as I have fixed it so many times, yet it still continues to happen. I can not include dates because I get several phone calls/emails a week regarding the matter every time it happens. I also have no idea what actions can be taken by the company because they obviously don't pay attention to this mistake as it has happened over and over and not just for me. This company really needs to have some sort of protection against it. This is just the problem of the week and I seem to have problems all the time with them. This is the worst company I have ever dealt with yet no corrective action has taken place. I would love the single payment they take out of my bank account directly every month to be correctly allocated to each loan that is due.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

This complaint is regarding Synchrony bank 's unfair and deceiving information reported to the credit bureaus. I have several accounts with Synchrony bank, however I have had problems with them lately, which resulted on negative impact on my credit. First, m y PayPal account was upgraded to a paypal MasterCard, a nd it did not mention anywhere that this was a separate account, unrelated, and now financed by Synchrony bank. They reported this as new credit, which i never auth orized a credit score to be pulled . I contacted them and was told ut would be removed from my credit report within 30 days. It is still there. I called every month, the same story. Unbeknownst to me, it appears that my automatic payments I had set  up with PayPal did not transfer to this, and Synchrony did not  send me a bill until late  XXXX   XXXX  telling me i was late on my payment. They reported this to all  XXXX  credit bureaus. I contacted them and was told at first that I was late only 1 month, and they do not report until 60 days. So they did not know why. Then superviser stated that I had been late since  XXXX . My account has been under investigation for theft, yet they did not notify me of anything being due until late  XXXX . Also Synchrony manages the Walmart card. I had identity theft, and someone applied for the Walmart card fraudulently. I contacted Synchrony several times, and gave them all police reports, and each time they promised they would remove this hard inquiry from credit reporting agencies. This was in  XXXX   XXXX . The inquiry is still there. Therefore I have now  XXXX  items from Synchrony that have negatively impacted my credit, a late payment due to misleading practices, a fraudulent inquiry not removed due to incompetence and disregard or else, and an added new account for which  my credit score was pulle d without my authorization. In addition, it is worth noting that that they approved me for furniture purchase credit, and I only used half of it. When however I went to use another {$500.00} they said they would need to get a credit report first even though i had over {$6000.00} available credit.
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Union Home Mortgage Corp (OH)

I applied to get a loan with XXXX XXXX XXXX at the beginning of the summer XXXX She requested I give to her a picture of my id and a picture of my social security card. She also recommended that I get a new credit card because when I applied my credit did not show on their system. 

XXXX does not have a license. She hasn't worked for a bank in over a year and yet she is still doing business under her cousins name : XXXX XXXX who is an LOA at uhm. I do not understand why she asked me for my id and my social security card. Thats not how people usually apply for a loan. Her husband XXXX is also a realtor. she is abusing her power, and her husbands license to not only work with clients but abuse their personal information. I am scared they will steal my identity. 

I am only one person. You should really see how many loans does she do for XXXX speaking people who do not know better like myself. I feel like she keeps working on this because of greed.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint will be my follow-up to ensure that these items are thoroughly removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-27
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-07
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: Experian Information Solutions Inc. (CT)

XX/XX/22 Received a notification from Experian that there was a hard inquiry added to my credit report. I did not apply for any new credit cards so I checked my report and found that someone tried opening a credit card with XXXX XXXX XXXX. I contacted the bank that same day and they canceled the application and did not mail out the credit card. The credit card application information was fraudulently completed and the thief used my maiden name to try and open it. 

XX/XX/22 Contacted all three credit reporting agencies and put a credit freeze on them. 

XX/XX/22 Was unable to file a police report in my town of XXXX CT because I do not have transportation ( someone stole our car recently ) and the police need me to file the report in person. 

I need the hard inquiry removed from my credit report as I am trying to buy my first home and need the best possible credit score. Per the letter from XXXX XXXX XXXX, in order to get the hard inquiry removed, I must file a identity fraud report with FTC and provide them with a copy.
Consumer complaint received 2022-07-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (LA)

I called about get information on how there car loan program works sounded good applied only for that I was denied the loan told that I qualified for XXXX secure loan. I was assured no money would be on HOLD. BUT 24 hour hold on funds TO MOVE TO A SAVING ACCOUNT AND WOULD BECOME AVAILABLE ONCE THE FUNDS IS IN MY ACCOUNT LONG STORY SHORT THE REPRESENTATIVE MISLEAD ME AND SEVERAL OTHERS UNTIL IT WAS TO LATE
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Altisource Portfolio Solutions, S.à r.l. (AL)

I received correspondence from XXXX XXXX regarding an alleged debt from XXXX for {$1000.00}. I spoke to several people from XXXX including XXXX his manager XXXX and another representative back in XXXX of XXXX that assured me this issue was resolved. All of these people advised me that there had been three accounts set up under my name in error and the extra account showing a balance of over {$1000.00} would be closed immediately. I have continued to do business with XXXX and pay my account faithfully. I have not received any notifications or heard anything from XXXX regarding this fraudulent account until i received this collections notice on XX/XX/XXXX. I attempted to contact the company directly to discuss but the representative XXXX was more interested in being unprofessional then resolving my issues. I am disputing this balance because I never owed this balance nor have I signed any paperwork regarding this account. From day one XXXX  has been deceiving and untrustworthy and they NEVER do what they are supposed to do. This account has been opened up in my name and ss # fraudulently. I demand that this account be verified and validated and removed from all three credit bureaus immediately.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (HI)

I closed my Target bill and paid the balance on  XX/XX/17    for sum of {$320.00}. I asked that all documents be mailed to my mailing address on file.   Now they are reporting that I still owing money to the credit reporting agencies and it 's negatively impacting my credit report.
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NM)

XX/XX/2019 XXXX XXXX XXXX  Tried to dispute the charges of XXXX to credit card company I was never given any products or services from XXXX XXXX XXXX