davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (IL)

Identity theft! 
Somebody used my personal information to open a bank account and open an account at Robinhood, i reported straight away that this is a fraud, i sent emails to robinhood suport and i was communicated that theyll closed the application attached with my details, to find next day that there was activity going on, some ordered placed and executed.Its so hard to get In touch with someone from customer services in order to do that, i had to use the forgot password option to log in to that account that was created by fraud with my details and only by signing in you have the option to request a call, I explained the situation that happened with me, they restricted the account, and removed the devices that were logged in.Few days after i receive an email that congratulations youre level 3, so i sent emails again, submitted all documents necessary, logged in again with forgot password option worh a different device to requested a phone call back again and unfortunately nothing, havent receive any phone calls or response about this matter.It is so frustrating, i never been put in situations like identity theft, that is stressful enough, and to find that company is not helping you in this matter even you reported about it straight away and also that they even allowed money transactions to take place, and the account cant be closed until all the transactions are finalized. 
Robinhood.com
Consumer complaint received 2022-08-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-01
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

I have been dealing with fraud, as well as identity theft for months now. The dispute process has been a nightmare. I have resubmitted it with police reports and a written statement this was 100 % not me and I am unsure at all why am I liable for any of these charges! I put specific dates and amounts in my follow up letter to them. I have proof that my information was compromised, not sure what else I can show you guys. There is no fax numbers, and the people that I speak to dont have extensions to follow up with.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

On XXXX XXXX, I sent a certified letter to National Recovery Agency. This company did received my certified mail and failed to validate this debt. 

Name : National Recovery Agency Address : XXXX XXXX XXXX XXXX, PA XXXX Re : Account Number XXXX Amount : XXXX I have requested that National Recovery Agency verify this debt and send me all contracts and documents between myself and them bearing my signature. I don't have or have had any business with this company in the past or currently. Instead of sending me the documents requested. The National Recover Agency committed a clear HIPPA violation. I did not sign a HIPPA form authorizing National Recovery Agency to access any of my medical records. My HIPPA rights and privacy has been violated. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act and HIPPA. This company failed to validate this debt and put this item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit files with all 3 major credit reporting agencies not to resurface on my credit file again.
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (IL)

Two rounds of dispute letters were sent to Equifax on XXXX, XXXX, 2022 and XXXX XXXX in regards to XXXX XXXX reporting a collection account which has not been validated with signature as requested. This collection account remains on my credit report despite not being fully validated.
Consumer complaint received 2022-08-01
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. (NY)

It has been affirmed that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-08-01
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. (CA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Experian, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX XXXX XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I closed a credit card with Bank of America and it has a credit balance of {$25.00}. I also have a checking account with Bank of America. I called on XX/XX/XXXX to request the credit card credit balance be transferred into my checking account with Bank of America. They have not transferred the funds as of XX/XX/2022. I called to asked why the funds have not been transferred and the associate said that they were researching the account. Both accounts are held at Bank of America so I don't understand what they could be researching and they would not tell me.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$40.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (MS)

A fraudulent account was opened online, in my name, with Barclays Bank Delaware on XX/XX/XXXX.I have opened disputes with credit bureaus, reported to Barclays Bank Delaware fraud department for investigation on XX/XX/XXXX when I became aware of the fraudulent account. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft.I received a collection letter for a separate, fraudulent account. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with Barclays Bank Delaware in the amount of $XXXX. I have never received a card for the account with this company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the account. I did NOT apply for the account!!!Barclays Bank Delaware also never contacted me to verify my identity before the account was fraudulently opened in my name!Barclays Bank Delaware has been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get this removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report.
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

**This is a continuation of CFPB complaint XXXX that was not completely resolved** The Escrow account on LoanCare mortgage XXXX is not accurate. 
The annual taxes are {$1800.00}. During XXXX LoanCare made County Tax Distributions on XX/XX/XXXX {$930.00} AND XX/XX/XXXX {$1800.00}, which has caused an escrow shortage due to this over distribution. 
I talked with the XXXX County Tax division and they did not receive a payment of {$930.00} on XX/XX/XXXX. Where is this money? 
I've left 3 messages for XXXX XXXX at LoanCare Office of the Customer ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and he has not called back.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Ive discovered inconsistent and inaccurate information with my credit report on file. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting this issue with Equifax for a long period of time. Equifax is obligated by the FCRA to report accurate accounting/information ; however, they have failed to do so and is in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681b ( Permissible purposes of consumer reports ), and 15 U.S. Code 6802 - 6805. Equifax was advised that ALL inquiries reported was fraud via phone, however they refused to remove any of the items. I have disputed several items that are currently being reported ; particularly XXXX XXXX XXXX XXXX Account XXXX which is a charge-off account. Per the LAW a charge-off is a certification of indebtment, which means is it is income and must be removed. The law also states that it is illegal to report any transaction history. I was advised by Equifax, that the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). However, the information reported is still inaccurate and inconsistence with all other credit agencies. Under the SEC Equifax is liable to follow certain rules under the Equifax XXXX File Number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX. Equifax is securitizing my consumer data ; however, they continue to refuse to provide a copy of of my CONSUMER FILE, not the CONSUMER REPORT. I have attached a copy of what is being reported for this XXXX XXXX " charge-off '' account from Equifax, XXXX well as XXXX and XXXX.
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IA)

In XXXX I attempted to setup Auto Pay, it has yet to start working. In XXXX we had a family emergency and my daughter spent a couple days in the hospital, I was not monitoring my mortgage for our lake home and auto pay did not process we received a late notice by mail, this was the first contact I had about a late payment for the month of XXXX. I called and confirmed and made two payments as a sign of good faith to attempt to correct this issue. Amerihome submitted a 30 day late notice to mine and my wife 's credit history. I have attempted to correct the issue with both auto pay and the hit to my credit. I feel this was not an error on my part has I have a letter stating my account was setup with auto pay, to this day when I login to my amerihome account it states auto pay is enabled. This is the only negative mark on my credit and I feel this is in error and I should not have to suffer with a delinquency mark for the next seven years because auto pay did not work as intended.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WA)

I had been receiving promotional letters by mail and email from Citi Bank for about 2 months. Promotion term were to switch or apply for a new Citi AA Advantage card spend XXXX $ or more to get the benefits and bonuses. I had a different Citi credit card already. Finally in XX/XX/2021, I decided to call Citi agent to find more about the offer. During the conversation I asked and clarified that if I SWITCH from old Citi card to new Citi AA Advantage card then I will receive promo bonus miles in amount of XXXX for spending qualified amount of money plus 1 year free from membership fee which was XXXX $ and XXXX $ for another qualified spending and she said YES to everything. I met the requirement in 1 month and after 90 days I did not get any bonus miles but instead they charged me XXXX $ membership fee. I called them to complain about the charge and missing bonus miles to what they did is they refunded XXXX $ fee and said that I did not qualify for bonus miles because according to promo terms I had to be a new customer. I escalated the case to executive office manager who called me twice and I requested the phone conversations with agent happened in XX/XX/2021 to be mailed to me as a proof. Last time she called to inform that she listened to my recorded conversation with agent in XX/XX/2021 and that during the conversation we talked about everything except bonus miles which is total lie, we spoke about every single promo detail. I insisted on getting my bonus miles for the last time over the phone but unfortunately they declined my kind requests. 
It is absolutely insane how they can treat their valued customers but I bet we are just numbers for them. They did not honor their own promises, advertisements and guarantees. 
Please be aware. 

PS : When I called Citi Bank for the third time about my bonus miles they switched me to XXXX XXXX line and when I explained the situation to XXXX agent she shockingly replied saying Citi did awfully wrong for pushing the responsibility for bonus miles to them. They did not provide me with my phone conversation with a Citi agent that happened in XX/XX/2021.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act, the following companies have violated my rights : XXXX XXXX XXXX ; Account # xxxxxxxxxxxx XXXX for {$580.00} XXXX XXXX XXXX ; Account # xxxxx XXXX for {$7200.00} XXXX XXXX XXXX for {$850.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (TX)

This is from CFPB case number XXXX XX/XX/2021 Discover - Executive Office Customer Advocacy Per the letter received from Discover that clearly does not address any of my concerns was an epic fail and disappointment. The letter indicated me speaking to reps in the in the customer protection services department. On each call I gathered information and indicated my concerns with the Discover process. On either calls the reps advised they were notating my concerns, and would forward them to the Executive offices which I never heard from until I contacted the CFPB. My concerns are simple.. Why do you need every page of my tax return to validate income? Why would you use XXXX, a company which has proven reputation that has been recorded having a LARGE breach that had the consumers information compromised. In addition to that the algorithm that XXXX  uses and how they are collecting information. How is that information being used beyond the alleged verification. Discover is using XXXX  as a third party and can not vouch for what is happening with my information once given. YES, I am aware that certain information is already provided to credit bureaus monthly. However, my children and additional assets that I may not want considered is listed on my tax return. NOT limited to their social security numbers, dates of birth, & colleges. I cooperated with the first request of verification of my SSN which required me sending in photo ID and my social security card also completed by XXXX through the social security administration. Is this a form of discrimination based on race, gender, and or employment status ; full time vs self employment? 

" Card issuers need income information to offer an increase in your credit limit, under the Credit CARD Act 's ability to pay rule. You can choose to skip questions by your card issuer about your income, but that may affect offers to increase your credit line. '' To be clear yes I elected to close the card because had I did not oblige your request. DISCOVER would have closed my card and that would have HURT my credit rating " Closed by card issuer '', in addition it is bad enough that once the account is closed you loose the payment history that was EXCEPTIONAL even if I close it myself. DISCOVER has adopted this policy and has not considered what it would do to the consumers and their credit rating. 

Again- XXXX XXXX  I appreciate your attempt to respond as required by the CFPB however the questions were left unanswered and there are forums regarding the Discover practices and many concerns because personal information is not treated with care and concern.

Although customer surveys state Discover has great customer service, survey those consumer accounts that were never late, and were given only 2 options. Expose all your information or we will close your account by X DATE & X TIME.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, 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. (PR)

Equifax is blocking my credit report, I tried to do business with XXXX, XXXX, XXXX and they report that they can receive any information from Equifax, also my credit monitoring agency, privacy asset ca n't retrieve information from Equifax since twoyears ago. I called, wrote and try to solve the problem and always tell me that there is no problem, and unhelpful answers like I have no lock or freeze or sending me credit report when I just ask them, with all the documentation to give me a solution to the problem.
Consumer complaint received 2019-12-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: KEYCORP (WA)

Contacted two different phone numbers at XXXX XXXX PST. This resulted in my wife getting a XXXX  from being awakened in the middle of the night and my XXXX  being worsened because I was awakened in the middle of the night.
Consumer complaint received 2023-01-16
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)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.