davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ROBINHOOD MARKETS INC. (NJ)

Dear Robinhood, I am writing to express my frustration with your recent restrictions on my ability to purchase and withdraw money from my account over a simple repetitive transaction ; it's not like it's a foreign or out-of-state or first-time transaction. It's a transaction I make every day. As a loyal customer, I have always relied on your platform to manage my investments and complete trades quickly and efficiently. However, I was recently informed that I am being restricted from purchasing stocks and that my ability to withdraw funds from my account has been limited. This has caused me great stress and inconvenience as I rely on these funds for my daily expenses and investments. I understand that Robinhood is responsible for protecting its users from potential risks. However, these restrictions are unfair and unnecessary, limiting my ability to make informed decisions about my investments. I urge you to reconsider these restrictions and work with your users to find a fair and equitable solution for everyone. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XX/XX/2023. I reached out to XXXX XXXX on XX/XX/2023. I reached out to Equifax on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (GA)

I began the journey to repair my credit in XXXX of XXXX. As a single parent my funds were limited and going through Lexington Law to have my credit repaired made total sense. I pulled my Credit Report Initially and along with a rep from the company. We had a consultation over the phone of what needed to be removed and the cost. I was told that initially it would cost XXXX a month. That would cover the fees and a removal, and that i should have a card on autopay to be charged because items would be removed. Not only was i charged XXXX monthly, i was charged that amount about 2 times a month and also an amount of XXXX a month as a subscription amount that i had no idea about. To add insult to injury nothing at all was removed from my credit whatsoever. I have been paying this company since XX/XX/XXXX and have not received not 1 result. I have reached out to the company and have been told that the subscription cant stop. They are continuing to charge my card XXXX XXXX times a month and the XXXX ( sometimes twice a month ). 
I do have supporting Documents.
Consumer complaint received 2023-06-26
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. (DE)

4. Third Party Supplemental Information ; Supplemental Consumer Credit Information ; XXXX  Teletrack  ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) ( XXXX ) Requested by XXXX  XXXX XXXX on XX/XX/2017 I never applied for a loan. Called the company and was never able to resolve the issue. They were rude.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have obtained a copy of my credit report and I noticed that there are inquiries on my credit report that I did not authorize. This has become extremely stressful and scary considering someone has been applying for credit with my information.
Consumer complaint received 2023-06-27
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Account Number XXXX  XXXX ( XXXX XXXX XXXX ) Account Number XXXX  XXXX ( XXXX  XXXX XXXX ) Account Number XXXX  XXXX ( XXXX XXXX ) Account Number XXXX  XXXX ( XXXX  XXXX  ) Account Number XXXX  XXXX ( XXXX XXXX ) Reference number XXXX  XXXX ( XXXX  XXXX XXXX. XXXX ) 15 U.S.C 1681 SECTION XXXX A. XXXX i have a right to privacy. 

15 U.S.C 1681 SECTION 604 A. States a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I signed up several months ago for a credit card with XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. I was approved for XXXX in credit from the XXXX XXXX XXXX XXXX XXXX XXXX card from FNBO. I spent about XXXX on the card and was making regular payments. 

Then one day I got contacted from my bank and was told that there were 2 suspicious charges against my account. When I looked at the charges they both had the same payment number and did not mention where they were from, they also looked different from any of the previous payments sent. Because I was not able to identify the charges my primary bank, XXXX, reversed the payments as potential fraud. 

After this occurred I did get notified from FNBO via an email that there were 2 reversed charges and I would be hit with 2 fees for the reversal. At this time I tried calling but no answer from the phone so I reached out to their online chat. Came to find out they charged me twice for my monthly autopayment. I was told that they would credit me back the fees for the reversal. So I went on the website to apply the payment and was met with an error message that said try again later. 

So I went back on the online Chat I explained what had occurred and was told that I would have to call to make a payment since the last charge was reversed. But they don't answer the phone and It's been months now that I have not been able to make a payment and they keep adding fees. In addition they lowered my credit limited to right about the current balance and they significantly increased my minimum payments. When I tried to apply for any relief on their website they claim I'm not eligible but then they send me letter telling me to apply. 

I did receive a letter but it did not state why the limit was applied, why the min payments were raised and then tried to claim that they did not take 2 autopayments, when in fact they did, I feel trapped by this bank and my credit keeps dropping.
Consumer complaint received 2023-06-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-26
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 please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (IL)

XX/XX/XXXX or XX/XX/2019 - my American Express Bluebird prepaid debit card was closed for no reason. I called several times to the Bluebird customer service number, only to receive an automated message saying that an email explaining the closure will be sent. I received an email for each time I called. The email only stated that I had followed rule # 22 ( d ). However, I never misused the Bluebird prepaid debit card in any manner. I was a good customer. I also had over {$1000.00} in funds remaining on my account. 

XX/XX/2019 - I wrote to Bluebird customer care demanding an explanation of closure and that my remaining funds be sent to me immediately. No reply since then. 

XX/XX/2019 - I wrote to Bluebird customer care again demanding an explanation and that my remaining funds be sent to me immediately. No reply since then. 

XX/XX/2019 - I called American Express credit card, asking for assistance in obtaining my remaining funds. AmEx informed me that they do not service the account nor know who do service the account. 

XX/XX/2019 - After researching online, I found that a company called XXXX actually owns and services the American Express Bluebird accounts. Their phone number is XXXX. I've left a message with XXXX XXXX ( the person who the operator forwarded me onto ), but have not received a return call. Now, when I try to call XXXX, even the operator will not pickup the phone. 

I truly find this very suspect. They closed my account over 22 days ago, without any information or manner to obtain information. Then they are holding my money essentially hostage. I am very fearful that this is a scam or criminal, and that the Bluebird / XXXX will keep my remaining funds.
Consumer complaint received 2023-06-26
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-25
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. (TX)

I have been disputing this account for years and they keep saying it's verified but the address is not mine that is attached to the report nor is that my name that is also on the report.. the company refuses to Delete the report off my credit.. 

Also... It's against to report to credit bureaus while I am disputing this information
Consumer complaint received 2023-06-25
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 (KY)

Between last year of XX/XX/XXXX my identity was stolen. Any account opened since then is a fraudulent account. XX/XX/XXXX to now of this year XXXX I have had multiple accounts opened under my name.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXX OF XXXX XXXX Owed : {$190.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX A ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-27
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. (FL)

I submitted dispute with both Transunion and XXXX invoking section 609 through dispute with multiple debt collection companies requesting verification of debt and proof of wet signature from the original creditor. I never received confirmation of my request and no proof of information was ever provided or an explanation.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

To my surprise, this afternoon I discovered accounts on my credit report that dont belong there, and I cant understand why. I regularly monitor my report, and this is the first time Ive ever seen something like this. I even tried refreshing my browser, thinking it might be an error, but the inaccuracies didnt go away. Because of this, Im asking for a complete review of the documents I provided, so I can stop worrying about this ever happening again.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

PNC Bank operates in the most unethical and illegal manner to boost their profits and injure their clients. My mortgage payment was adjusted ( up to cover escrow payments ) and they failed to inform me. They have my phone number and email address -- they never left a voice message, no text, and no email. When I sent my monthly mortgage payment, they deducted funds from my escrow to cover the changed amount -- I was not informed they took this money from my escrow that pays property taxes and insurances, not the bank itself. Still unaware of what's going on, I sent my next monthly payment. This time they did not apply my payment, I am unaware for several weeks. It came to my attention when I received an email from a credit reporting agency that the PNC Bank account was late. When I called the bank, they told me they returned my 2nd payment -- however, several weeks had passed and I never receive a check. When I became aware of this problem, I immediately called the bank and resolved the matter on the phone ( paying a trivial $ XXXX ) to bring the account current. Yet, PNC bank charged late fees and withdrew funds from my escrow to enrich themselves and damaged my credit with late payment reporting. All this happens because they ( intentionally ) failed to notify me. This practice is a business process to enrich their bottom line -- they have several methods to communicate with their customers instantly and intentionally disregard them to enrich themselves. This has happened to me before, PNC Bank is ripping-off their customers across the board using non-communication as a business practice to trigger fees.
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/2023 Midland Credit called and threatened to sue me for a debt that should have already been paid. When speaking with the manager I asked for a letter of debt validation and he proceeded to tell me that he did not have to provide that as this was my debt and I owed the money. I asked again and he started yelling and screaming at me that they have sent multiple letters and he didnt have to send anything else. I explained that I have not received any correspondence from them. After he continued to yell, scream and threaten to sue me I eventually just had to hang up because he would not listen to me.
Consumer complaint received 2023-06-26
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-10
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. (FL)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

On XX/XX/XXXX I initiated a $ XXXX online transfer from my Citizens account requesting they debit my XXXX account On XX/XX/XXXX, the funds were debited from my XXXX account. 
On XX/XX/XXXX, I received an email from Citizens stating my transaction was canceled and that I should call XXXX to have them return my funds. 

On XX/XX/XXXX, I called XXXX but they had no record of why the transaction was canceled and couldn't do anything. I then called Citizens bank on four different occasions to try and resolve the issue. Each time, I got different answers and nobody could explain to me why the transaction was originally canceled. Some of the reasons given were because I had canceled a previous transfer, the transaction was rejected, and I couldn't initiate two transfers on the same day. I was informed there was a hold on my account and since I had called in, they would lift it and the money would be in my account in next 2-3 business days and no later than Tuesday, XX/XX/XXXX. Because of the delay, I had to have a manager called XXXX initiate a separate wire transfer of $ XXXX because I needed the funds by Friday. I spend over 4 hours that day, making multiple calls, being left on hold for over an hour twice in trying to resolve the matter. 

On XX/XX/XXXX, I checked my XXXX account and the funds were still not in the account. I called Citizens bank, after being on hold for over an hour, and spoke to a Tech support manager named XXXX. He stated that XXXX had to file a Debit leg error claim in order for me to receive my funds. He stated that the bank that initiated the debit, is responsible to file the claim in order to get my money back into my XXXX account. He stated that the funds were being held by XXXX due to a change in processing funds dating back to XX/XX/XXXX and that it was not Citizens fault that the transaction was canceled. He blamed the issue of XXXX, their third-party vendor. This was the first I heard of this and the process doesn't seem right. I initiated a three-way call between XXXX at Citizens and XXXX at XXXX to resolve the issue. XXXX stated that the debit leg claim that XXXX requested be filed can not be processed because the transaction was not fraudulent or an error on XXXX 's part. Also, XXXX had never heard of a debit leg claim. XXXX had stated he would talk to back office operations and call me back, which he never did. 

I am beyond frustrated because it's been over a week since the funds left my account at XXXX and due to an error on Citizens part, they refuse to return the funds, claiming its XXXX 's responsibility. At this point, I am out $ XXXX with my funds floating around in cyberspace and Citizens taking no responsibility for their error, which started with them canceling my transaction without notifying me.