davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CA)

On XX/XX/2021 I attempted to withdraw {$1000.00} of the roughly {$2000.00} in " Withdrawable Funds '' listed on my Robinhood account. This transaction was declined, and the error message was listed as " Account withdrawal disabled. '' with no other reasoning given. I had not made any deposits to Robinhood since XX/XX/2021, and I had no pending trades or unsettled funds. I attempted this transaction again on the following days : XX/XX/XXXX - 3 times XX/XX/XXXX - 1 time XX/XX/XXXX - XXXX Time XX/XX/XXXX - 1 Time XX/XX/XXXX - 2 times XX/XX/XXXX - 3 times XX/XX/XXXX - 1 time I did not deposit any funds, or make any trades during this time. I have never had a failed deposit to Robinhood, I've never traded on margin, and I've never had a negative balance. The funds were listed as withdrawable funds. I reached out to Robinhood about this on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and have received zero correspondence back as of XX/XX/XXXX. 

On XX/XX/XXXX, I initiated a full account ACATS transfer to XXXX XXXX. On XX/XX/XXXX, that transfer was rejected by Robinhood. According to XXXX XXXX, the reasoning was that there was a restriction on my Robinhood account, and that I needed to contact Robinhood support to lift this restriction. 

I've received zero communication from them via email, which is the only way to contact them as they have no support phone line. 

My funds and my holdings are fully restricted from leaving the Robinhood platform in any way for almost a full month now, and I have nobody to communicate with to fix this problem or receive any additional information about why this is happening.
Consumer complaint received 2021-02-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (NJ)

There are 3 late payments on my credit accounts that have happened on XX/XX/2020, XX/XX/2020, XX/XX/2020 on my CCB/XXXX 1 Account with XXXX XXXX through Comenity Bank. These are incorrect. The company was doing COVID forgiveness at the moment and lied to me. Please investigate these late payments at your earliest possible convenience, as I do not recall being late on the account in question and I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score shows an accurate depiction of my creditworthiness.

Please update me with a full report on your findings and how the item was validated within the next two weeks. I look forward to having this situation rectified as soon as possible.
Consumer complaint received 2021-02-16
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: RateGenius Loan Services Inc (AZ)

XX/XX/XXXX, rategenius rep XXXX XXXX pulled a hard hit on my credit score without authorization. I applied originally XX/XX/XXXX and refused the loan. I did not agree to have my credit score pulled or checked again. I do not want this loan. He had no permission to incur another hard credit hit and offer another loan I do not want. When I tried to contact credit union west I was on hold for 20 minutes and hung up on. Tried calling XXXX directly and went to voicemail instantly.
Consumer complaint received 2021-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Collections-I, LLC (AZ)

Hi, I was sent to collections because I moved and never received the medical bill. As soon as I found out about it, I paid it back in XXXX. The collections company ( see below ) informed me that they sent all 3 credit bureaus a letter back in XX/XX/XXXX asking them to remove the collections from my credit file. XXXX  and XXXX  have done so, however XXXX as not. I've sent them numerous letters over the past 6 months asking them to remove it, and even put in a formal request with the CFPB on XX/XX/XXXX, in which they closed it without informing me or removing the incorrect collection. 

Healthcare Collections Phone number : XXXX Representative : XXXX I've had to open a new complaint with them which they now say they're going to sort out. I need this incorrect mark on my file removed ASAP. They need to check their records from XX/XX/XXXX when they received a letter saying that this was done and removed.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (AZ)

Exeter Finance has continued to be untruthful about the status of my account by reporting that there is a balance due of {$1600.00} and that the account is in a charge-off status. The account was settled in full last year in XX/XX/2020 and I was told it would take time for the status to update on my credit report. I called back to follow-up on the status of my account about every two weeks since then and was told to keep waiting as the account would be closed. After two months, i disputed the account as inaccurate status with the XXXX  credit bureau and had to wait 30 days for the investigation to take place. 30 days later the investigation was complete and they were able to confirm with Exeter that my account was still active and that I had a balance of {$1600.00} due immediately and the account was charged off. All of this was continuing to be updated monthly on my credit report even though we had an agreement in place and they already took my money. I continued to call every other day in XXXX to ask why this was being reported when we had an agreement in place and the account was already settled. I finally spoke with someone who acknowledged that the account should have been closed out in their system long ago, but they could not tell me why this was the case. It took them getting a manager involved ( XXXX XXXX ) to comprehend their own information showing the account should have been closed already. I was then able to request a letterhead proof of my account status be emailed to me since they offered nothing and I had to ask for everything myself. The manager ( XXXX XXXX ) called back a week later to thank me for my time. The damage has already been done to my credit as I have a job that requires I do not have unexplainable debt on my credit report and I am now without a vehicle since I am not able to obtain a new vehicle loan due to apparently still owing Exeter Finance for a vehicle that was totaled over a year ago in a hit and run accident, which they for some reason were also not trying to collect and never reached out to me to pay this mysterious past due balance. I fail to understand why I had to invest any time at all into this situation and was not given any explanation as to why this occurred. As of today, Exeter is still reporting inaccurate information to my credit report simply because they are allowed to as that is how the system is designed to work. Whatever the creditor states must be accurate, so I unfortunately have to face the consequences of their lies and jump through hoops in an attempt to resolve their errors.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

According to Law False information must not be furnished XXXX XXXX XXXX continues to report my account as Trade with False Information This was a Secure Account which required a cash deposit which was never accredited to the account before or after the Charge Off Therefore the Balance is incorrect
Consumer complaint received 2021-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (TX)

1.On XX/XX/XXXX, through Discover Online Saving 's Transfer Money function, I initiated an ACH deposit of {$50000.00} from my XXXX checking account to Discover. Due to the insufficient fund in my XXXX checking account, this tranfer failed. ( From XXXX transaction : RETURNED ITEM FEE FOR AN UNPAID {$50000.00} ITEM - DETAILS : DISCOVER BANK ETRANSFER XXXX WEB ID : XXXX ). 

2. On XX/XX/XXXX, after I saw the transaction of XX/XX/XXXX transfer failed showed in Discover account, I made a {$50000.00} ACH deposit transfer from XXXX to Discover, and this time the {$50000.00} fund left XXXX ( XX/XX/XXXX DISCOVER BANK ETRANSFER XXXX WEB ID : XXXX ) and arrived Discover Saving on XX/XX/XXXX. 

3. On XX/XX/XXXX, I noticed from Discover account, Discover issued a reverse ACH deposit of {$500000.00} to XXXX without my authorization. I called Discover in the same day to check, and was told the reverse deposit is for the transaction I made on XX/XX/XXXX, even though they did not received any fund due to insufficient fund, they still somehow posted it in my account. Therefore, I was told nothing need to do as they already received the {$50000.00} ACH deposit on XX/XX/XXXX. Note : I never received any Reverse Deposit from Discover in my XXXX checking. 

4. On XX/XX/XXXX, I noticed that Discover issued another Reverse Deposit of {$50000.00} to my XXXX checking without my authorization again. I called on the same day again, and this time I was told a different story : The Reverse Deposit of {$50000.00} on XX/XX/XXXX is for the failed transfer on XX/XX/XXXX and I should received it in up to 3 business days. The previous Reverse Deposit on XXXX is for the transfer on XXXX! Again, I waited a week, no any Reverse Deposit hit my XXXX checking. 

5. I made 3 more following up calls to Discover to try to locate my {$50000.00} fund and the latest one is on XX/XX/XXXX with ref # XXXX. The latest they told me is that the {$50000.00} has left Discover and is with their " middleman '', and I have to ask XXXX to request it from this " middleman '' to get my money back! This is so ridiculous to me and to XXXX ( I talked with XXXX, they do not have such procedure ) .I tried so hard to ask help from Discover and ask them to escalate this BIG SYSTEM ISSUE to their upper management, and was told that all XXXX upper leaders at Discover provided the same solution, which is no solution and Discover has nothing to do to get the money back to Discover or XXXX. They refused to continue on my case. 

6. During the time of long conversation with Discover representatives, I also learned the similar SYSTEM ISSUE happened not on myself, but also other customers. I am so worried about my missing {$500000.00} day and night. As of today ( XX/XX/XXXX ), there is no any help from Discover and my money is just gone!!!
Consumer complaint received 2021-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

On XX/XX/21 I made online payments to my student loans held by Navient. I selected the option of specifying the amount paid on each loan separately. I paid a total of {$570.00} dollars to Navient. This amount was posted to my checking account on XX/XX/21. On XX/XX/21, I received an email from Navient stating that I had paid {$430.00} and that two of the loans I had paid, still had balances due. Neither this email, nor my account information on their website showed the additional {$140.00} that I had paid in. I contacted Navient, and they were unhelpful. I contacted my bank and reported this payment to their dispute resolution department.
Consumer complaint received 2021-02-16
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: Experian Information Solutions Inc. (CT)

There is an account showing on my report from XXXX  XXXX XXXX. : account # XXXX. It is showing as PAID IN FULL but also as a CHARGE OFF! The account was NOT VERIFIED! I would like to have the item removed from my report.
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Venmo user over here : I got scammed by a lady tried to sell me a fake watch, I felt for the deceiving pictures and send her the money within 10 minutes I found something fishy and I told the lady I wanted a refund, in that time spam the lady pull the money out of the account instantly and she refused the refund. Got scammed, I paid with XXXX XXXX and obviously they refund me. 

Now, Venmo refuses to acknowledge the situation and says to file for a police report when they authorized the scammer to pull the money right away. 

I am afraid to being send to collections due to their inability of pursuing scammers.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Right before XXXX my debit card was used to make 13 charges for {$79.00} within seconds apart. I never authorized these charges and the bank gave me a provisional credit. Now they are saying after reviewing the documents that charges were authorized. Have threaed to take the money back. I have requested documents they say was used to prove it was authorised.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

Promotion is misleading and predatory. Advertised as no interest or interest free for 12 months. I bought furniture in the amount of {$1800.00} in XX/XX/XXXX. Promotion expired XX/XX/XXXX. Since I did not pay off the balance. I was charged {$420.00} dollars in Interest. The interest was deferred. I was not award that the interest was deferred. It was not stated on their promotion. The company could have advice their customers that their promotion is about to end and if they want to avoid the interest charged they have the option to pay off the balance. I was not aware that it was expiring. I was making my monthly payment on time even though I was jobless due to the pandemic. To charge their customers {$420.00} for 12 months period is outrageous and predatory.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (FL)

I received the below email regarding change of email address on this account I never opened up nor have any knowledge of. I called the number and was informed the account was placed on a block order per my request. The number raised my alertness as its requesting an SSN to verify your account. I didn't provide this but none-the less was advised the account will be blocked on their end. 

Dear Netspend Cardholder, This email is to notify you that your email address XXXX was changed to XXXX today through the Netspend Web site, XXXX. 


If you have any questions or concerns about this change, please contact us immediately at XXXX. 

We appreciate your business and look forward to serving you in the future. 

Sincerely, Netspend Customer Service Team This message was sent to you because of changes, updates, or transactional activity on your Netspend Prepaid Card account. Netspend is required to send you such notifications regardless of your unsubscribe status. Please do not reply to this message. 

E-mail XXXX XXXX XXXX intended for : XXXX. You may update your profile at XXXX  : XXXX 


Netspend Corporation XXXX. XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-12-23
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: Experian Information Solutions Inc. (NJ)

THE DISPUTED ACCOUNTS LISTED DOES NOT BELONG TO ME, I AM NOT LIABLE TO THIS ACCOUNT AND IT HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM UPSET THAT THIS ACCOUNT IS ON MY REPORT. PLEASE REINVESTIGATE AND HAVE IT REMOVE. ATTACHED IS MY DISPUTED LETTER.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have purchased a home and Wells Fargo is the financial institution servicing the loan. I pay roughly an extra {$500.00} to be specifically placed in my escrow account. In XXXX of this year my home insurance was renewed by the lender and they sent me a refund check for the rest of the money in the escrow account. I called and I spoke to someone letting them know that the refund was a mistake since the property tax and the mud tax were not paid and the escrow balance is now XXXX. The person assured me that they had the money in the account once again I reemphasized I did not think that is correct. The bank subsequently went ahead and paid the mud and property taxes now the escrow is negative almost $ XXXX, I called and I was told they advanced me the money which I clearly did not need hence why I paid extra into the escrow account. I was further informed that their intention is to add the total cost of the taxes divided by 12 to my note beginning XXXX. I find this practice to be dishonest and unethical it is a sly and cunning attempt to force me to use the institution funds in order for them to charge me some ridiculous amount of interest so they can maximize their profit. I went into a branch to speak to a branch manager, I was told she was busy and could not see me I could not speak to a mortgage specialist they said there was not one onsite. I spoke to an investment banker who could not help me to resolve the issue and prevent it from reoccurring. I tried escalating with Wells Fargo but everyone I spoke to is just trying to push me around saying they have limited access and they can not see the account, they do not know why it happened just everyone acting clueless when I am sure to cut the refund check there had to be multiple layers of approval before the refund check could be issued, no one had the common sense to say wait a minute it is XXXX why are we refunding this money taxes have not been paid yet.
Consumer complaint received 2020-12-23
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: Experian Information Solutions Inc. (GA)

I have sent in several letters to XXXXXXXX, experian, and XXXX to verify XXXX that are on my XXXX XXXX and to show proof of verifcation and how exactly did they verify it. They refuse to show how they verified the bankruptcies to prove that they are mine. As a result it is affecting my credit score and causing damage to my reputation. I also sent in a letter from the courthouse to each bureau which states they do not release any information to third party companies.They still refuse to show how they verified the bankruptcies that are reporting to my credit report and damaging my reputation. This is willing negligence on their behalf and a violation of the FCRA. If they can't show proof of how they verified the bankruptcies are mine they should remove them immediatly as I have told them at least 3 times already.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I XXXX XXXX XXXX entered into a consumer credit transaction with Capital One Bank NA. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash. if the finance charge does not include cash why is there alleged Late Payments reporting on my consumer reports this is false and inaccurate information.Capital One Bank NA is in violation of the Fair Debt Collection Practices Act pursuant 15 USC 1692j for furnishing deceptive forms they are also in violation of 15 USC 1692e ( 10 ) for false and misleading representations.
Consumer complaint received 2021-02-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to get my name change for months now and nothing i have proof my name is XXXX XXXX NOT XXXX or XXXX. I have also been to get XXXX XXXX  off my report it over 7 years old and need off now
Consumer complaint received 2021-02-16
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: Credence Resource Management, LLC (NY)

On XXXX XXXX, 2020, CREDENCE RESOURCE MANAGEMENT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGEMENT has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have two accounts both were suppose to be given hardship help, they did one but the rep never filed the other. We did not know and when we got our bill and no relief so my wife called I am XXXX at first they allowed her to help me but after they made the mistake refused to talk to her, so I paid what I could each month. Sent them a certified letter to stop calling and ruining our excellent now horrible credit because of one card. We paid what we could they refuse to help now charged it off and we can't pay anything. Afraid of what they will do next I have sent two certified letters My husband is sick and we own nothing but one vehicle and afraid they will take it and we have no way to get medical or food. 
We want to pay always have but with COVID needed help. We pay all out debts and want to resolve this but they refuse to work with my wife. I have XXXX XXXX XXXX and XXXX they now won't let us even try to pay. 

Thank You We are in Dire need of help. I have no problem talking with them through my wife but they just kept calling for the entire amount due which became a nightmare as they charged late fees and interest rate not reduced as they said. The enclosed documents explain in detail what they have done and what we have done.