davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of XXXX, my card number was stolen and many instances of fraud were captured. Bank of America 's system alerted my phone to the transactions and I responded saying none of them were mine and to cancel them. 

A few transactions on XX/XX/XXXX were not refunded including {$240.00} at XXXX XXXX and {$74.00} at XXXX. I called Bank of America to dispute these and they filed a claim. Unfortunately, the attendant at the call center misheard me and also included a charge from XXXX XXXX XXXX at XXXX for {$7.00} which is a transaction I made and told them. They denied my claim saying that I made the purchases. I called to appeal and told them to remove the XXXX XXXX XXXX purchase but that the XXXX XXXX and XXXX purchases were not mine. 

Later, I went in to a Bank of America branch in XXXX XXXX to follow up and a XXXX there helped me appeal again but now it just says online that is has been " researched '' for the last 5 months and for some reason the Marshalls charge was dropped so they only think they owe me the {$240.00} from XXXX. I am still looking to be reimbursed for the XXXX and XXXX fraud which would be a total of {$310.00}.
Consumer complaint received 2020-05-27
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. (NC)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX  XXXX {$10000.00} XXXX XXXX   XXXX {$18000.00} XXXX  XXXX {$25000.00} XXXX  XXXX {$380.00} XXXX  XXXX {$270.00} XXXX XXXX {$1800.00} XXXX XXXX
Consumer complaint received 2023-02-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (MI)

1- I opened robinhood spending account, brokerage account, and roth IRA in XXXX of XXXX 2 - On XX/XX/XXXX at XXXX I received an email from Robinhood with subject line " We received your message '' - ( I did not send any message to prompt this ) 3 - Shortly after email received noted above, I received another email also at XXXX stating that my accounts have been suspended, and I am not allowed to make any withdrawals to any of my linked accounts. 

4 - I had set up my employer to direct deposit a portion of my earned paycheck into my Robinhood account and was not allowed to access the money I counted on for day to day spending. This money was not accessible to me during the " investigation '' process. 

XXXX - I assert that Robinhood 's resolution process put me through undue burden and duress. I was forced to provide a bank statement for an account that was closed in XXXX of XXXX, copy of driver 's licence, and multiple calls made without adequate explanation or resolution. ( I was told they couldn't tell me the reason that prompted the whole ordeal in the first place ) 6 - Above issues were MOSTLY resolved after an incredibly frustrating process, however Robinhood still will not release/make available the funds that still remain in my roth ira account XXXX They have asked for a bank statement which was provided over a week ago. Then they asked for a copy of my driver 's license. It has been over a week since both were sent in, and no follow up from Robinhood. 

7 - I submitted 4 requests for customer support today through the Robinhood app. The first two requests got cancelled from their system and I wasn't called back. My third request for a call back resulted in a message on the app saying that the team I need is only accessible via email, and that I had to reply to an email he was going to send. 4th attempt at a call back resulted in someone calling back from the options trading team, who again said the team that could help me is only accessible via email, then became annoyed with me when I was asking how long it would take to hear back from them, and then he threatened to lock my account for being an irate customer. 

Not only have they effectively taken my money hostage, but they are making me jump through hoop after hoop without even telling me when they'll get back to me, or not even replying at all. How can a financial institution actually dodge a customer 's phone calls?
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

Lakeview Loan Servicing In XXXX, after dealing with them since XXXX, stated that they would not sign a security interest document ( I did not need a partial release ) until one year of payment citing " guidelines '' ( after they agreed to sign this document several times, passing me to several different departments and citing excuses ranging from lost notary stamp, manager not in, needing my trust, etc etc ) in order to get my one parcel split into 3. 

I then paid off my loan, in full, on XX/XX/XXXX. They have acknowledge the payment, I have received a letter saying it was paid, received my refund for overpayment, but have not received the reconveyence ( Lien release ). Each time I call, a manger gives me a different time frame. I have called at least once a week since XX/XX/XXXX. I was told 2 weeks, 45 days, that it was mailed XX/XX/XXXX, then mailed XX/XX/XXXX. Now I'm being told that to process the lien release will take up to 120 days. 

At this point, my map expires XX/XX/XXXX. Due to the 9 months of inaccurate info, I will not only have damages in excess of 10K for the map, but also two cancelled escrow in excessive of 300k as well as the penalty of taking the money out of retirement to pay off the home. I was originally told that once I paid the home off, I would get the release in 2 weeks. The inaccurate information they are giving clients is atrocious. 

I have emails and have logged the dates of my calls if further info is needed.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

XXXX XXXX originally sold an account that was opened in my name by someone who stole my identity to XXXX XXXX XXXX reported a delinquent account on my credit report for {$70.00}. Now they sold this fraudulent account to IC System Inc. and claim that I now owe {$770.00}. I told them that this was identity theft. They said that it's for a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska. I told them that I have never lived there or visited there in my life. I called XXXX XXXX myself and they said that they only do online disputes with a police report. That since they merged with XXXX XXXX XXXX, they can't file a complaint over the phone and that they only have limited access. I filed a police report with the XXXXXXXX XXXX XXXXXXXX and already sent it to XXXX XXXX. IC System says that there's nothing that they can do. The collection company refuses to delete this account from their files. The collection company should be able to verify and dispute the account themselves, since they are the ones who now are trying to collect this debt. I am in the process of applying for a home loan and this has derailed everything. This is a living nightmare. XXXX XXXX XXXX XXXX should be held accountable for not fully verifying the identity of the person when this account was opened. I'm sure that I'm not the only victim. I have also filed a dispute with XXXX XXXX and the case # is XXXX. It is impossible to contact XXXX XXXX by phone.
Consumer complaint received 2021-11-30
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)

Several of the Bureaus have not responded to me at all on this issue however, XXXX specifically claims to have verified information that does not belong to me and I know can't be verified because I contacted the source of the information that they have listed on their website and they are not reporting this information nor can they verify it. 

The information that I am referring to is the item " XXXX XXXX  Bankruptcy ''. 

XXXX and Equifax have completely ignored my request with XXXX communication to me. I am attaching supporting detail here as well that shows there is no Bankruptcy on " XXXX XXXX ' " Consumer Report for me. XXXX XXXX is the Agency all of which use to verify such information per their very own websites.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (KY)

XXXX XXXX, 2023 To : Chase XXXX XXXX XXXX XXXX XXXX RE : Fraud Case # XXXX During two calls I had with Claim Team Representatives XXXX and XXXX, I was given the following information regarding two debit card claims that were presented for payment on XXXX/XXXX/2023 : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX During the time of these purchases, I was at work. I have included my audited time sheet from that day and the verification letter from my supervisor. 
Also, I was told by the reps that my card was presented with a PIN at each business. That would be impossible to present the card in person to both businesses, because the transactions time is only 12 minutes, but the travel distance between the two locations is roughly 19 to 24 minutes during that time of day. I have included a XXXX XXXX showing the distances. 
I would like the money from these two fraudulent transactions returned to my account and any losses suffered due to the funds reversal and investigation to also be resolved and any fees reversed. 
Ive been a Chase customer for more than 20 years and have never felt so abandoned. I keep my card secure and am careful during transactions. And yet, I was victimized by Chases handling of the situation. There was no effort to believe me as a customer, and I was left to prove my innocence and told to file a report with the policetheres nothing we can do. Information contradicted between the calls, and I had to ask several questions to find out my options.
Consumer complaint received 2024-10-16
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXXXXXX XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( address, accounts or Bankruptcy : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

My Citi Best Buy Credit Card was closed by the grantor due to returned payment on XX/XX/2022 for {$340.00}. This payment was not initiated by me and was attempted to be withdrawn from a XXXX account with insufficient funds. I was told the account can not be opened back up.
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I was offered a balance transfer in XXXX XX/XX/XXXX from citi cards ( XXXX XXXX ). I accepted the offer at {$15000.00} with XXXX interest until XX/XX/XXXX at fee at {$450.00} ( 3 % ). Subsequntly, citi broke the contract by charging me interest XX/XX/XXXX {$100.00} and then XX/XX/XXXX {$40.00}. I informed the bank of mistake. They offered a refund of XXXX It was not acceptable. I borrowed from another card ; XXXX ; made the full repayment of all outstanding balance at XX/XX/XXXX {$13000.00}. The bank only reimbursed me for the wrongly charged interest rate of {$14000.00} but never offered either apology or reimbursment for wrong advertising ; enducing me into the deal ; breaking contractual arrangements or my additional costs. I asked for a refund of {$450.00} fees. It was not given - no explanation from the bank. They made {$450.00} on a 6 - month loan for XXXX - outraougous 6 percent interest - something i would not agree beforehand as i had other attractive means of funding in XX/XX/XXXX. 
XXXX XXXX
Consumer complaint received 2023-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (SC)

My name is XXXX XXXX and I am a living woman making this complaint without any influence from any third party or its agency. I was contacted by US mail from Nationwide Credit , Inc ( NCI ) on XXXX XXXX demanding payment for an alleged debt that is not owed and in active dispute/arbitration. I did not consent to a signed binding contract with NCI nor agreed to pay them. NCI having my personal identifying information was obtain by way of aggravated identity theft. NCI is violating my federally protected rights under FDCPA, FTC and the United States Code/Statue. I have reason to believed that NCI is engaging in unlawful extortionate means theft by deception by knowingly/willfully furnishing to me false and deceptive documents. I also have reason to believe that NCI is also in violations of the false claims act and is engaging in racketeering activity by attempting to collect on extension of credit by extortionate means. NCI contacting me in my private capacity without first validating if their claim is indeed true and accurate to demand payment from me has caused me severe mental and emotional distress. Please review my attached correspondence and documents addressed to NCI.
Consumer complaint received 2020-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (TX)

I contacted AmerAssist A/R Solutions to delete a collection off of my credit report and was provided with a resolution to make a payment to delete off my report. After my payment, the collection was not deleted. 

I contact their office and left a VM that was never returned. I later spoke to a representative who transferred me to 3 different people who were unable to listen or resolve any issues. The first person listened but the issue was outside of her control. The second person was extremely rude without taking the time to even listen she already was screaming for no apparent reason. The last representative transferred me to a VM line to get rid of my call. They offered to abide by their initial agreement but only if I made an additional payment which is completely unethical. I left a VM on the line that I was transferred to which again has resulted in no resolution. 

AmerAssist A/R Solutions has deceived their client by providing misinformation and then back peddling on their promises. I am requesting a letter/email confirming this collection is deleted from my report. 

Thank you
Consumer complaint received 2023-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dobberstein Law Firm, LLC (IA)

Debt collection company obtained judgements and is trying to collect a debt from a credit card. The documents the debt collector has sent me when I requested validation of the debt, would place the opening of the account whilst I was a minor child. I have explained this to the debt collector whom then has attempted to garnish my wages and levy my property for said debt. Judgement is over 15 years old. Therefore, it is my firm belief this debt is either identity theft, or this debt collector is attempting to collect a debt that does not belong to me.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

My Citi Credit Card payment on XX/XX/XXXX, was XXXX I made a mistake forward a check in the amount of XXXX. When I realized that I made this mistake I chatted with CITI at that time requested that the payment be returned to my checking account. this was XX/XX/XXXX. I received a letter dated XX/XX/XXXX, from the customer Service Team this letter stated " If this payment is refunded, your balance will over your assigned credit limit. If you want us to send a refund, please call us. Take into account that my minimum payment was XXXX which was it seems that Citi Card was holding my money hostage the XXXX refunded to me was my funds not Citi Card how is it possible legally to use my funds to exceed the limit. Citi Card reduced my credit limit after I made a XXXX in XXXX, they also stop all cash advance. When I made this error XX/XX/XXXX, Citi Bank took the same action against me for reason unknown my account was paid on time usually schedule. I question Citi Card authority to review my account twice in the 2 past years each when I was within my contract, as mentioned before I have never missed or been late on a payment. I presently have a dispute with Citi concerning this issue I am waiting for Citi Card response. I filed my dispute with the CEO in New York. I want to file a complaint against Citi Card for violating the Fair Credit Reporting Act. Citi Card send misinformation that I am over credit limit to each Credit Reporting Agency. This information is lowered my credit score. I feel that is s violation of my Civil Rights along with Racial Bias based on my AGE XXXX XXXX XXXX Race XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (FL)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. 

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, XXXX is NOT the original servicer of XXXX Account # XXXX, Account # XXXX AND Account # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

XXXX has also failed to properly secure and safeguard personally identifiable information for more than XXXX XXXX borrowers, including myself during a recent data breach of its servers.The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from XXXX ( 1 ) failure to secure the data, ( 2 ) failure to comply with industry standards, ( 3 ) unlawful disclosure, and ( 4 ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the following XXXX Accounts : Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.