davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

After a failed attempt to transfer {$500.00} from my online savings account with Marcus Goldman Sachs to my personal checking account, I was advised to call their support team. On XX/XX/2024, I contacted Marcus Goldman Sachs and encountered difficulties with account authentication. I answered the first verification question but needed clarification on the second question, which asked, " What are the names of the tolls near your home? '' Since the tolls near my residence do not have names, I was unable to understand the question. 

The operator was unable to provide clarification and instructed me not to guess. As I was at work, I requested to call back later. Upon my return call, I discovered that my account had been placed on hold. 

I was informed that I would need to receive a verification form by mail, which would take XXXX business days. I expressed my concern about the length of this process given the misunderstanding regarding the verification question. The operator assured me that a manager would follow up with me, but I never received a call. 

As of XX/XX/2024, after speaking with XXXX operators and XXXX supervisors, I was told that my account could not be verified with the phone number or drivers license I have on file because I am currently in Florida. With over {$6000.00} in my Marcus Goldman Sachs account, I am facing a significant financial crisis due to this issue.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (TX)

My new Experian XXXX XXXX checking account was hacked. Several fraudulent transactions were pending on my account when I checked my balance today. Yesterday I could not access my account balance at all from the Experian app. A representative advised me last night there was an ongoing issue with not being able to view the account balance and try logging in later or tomorrow. So I logged in today only to find that my account balance was almost entirely drained from several micro transactions made by XXXX XXXX XXXX, XXXX XXXX, XXXX. I reported it to Experian XXXX XXXX but the agent said she couldn't do anything because the transactions were still pending and had not posted yet. Agent could not help with adding a fraud alert either and could not get me to a supervisor.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC. (IL)

Hello, I had my credit card and cellphone ( same pin as credit ) stolen while out late in the city of XXXX. The thieves had full access to my cellphone, and they got my PIN after I typed it in at the bar. I reported this as soon as possible when I got home and got access to my XXXX. 

The thieves ran up several fraudulent charges, which were then reported to Robinhood that very same day, XX/XX/XXXX, I was able to lock my card manually. Robinhood thought the initial charges were fraud and blocked them correctly but approved them on the second attempt.

I submitted a police report and all the information I was asked to send by Robinhood. Then Robinhood violated my rights and federal law by refusing to protect my account from fraud and cover these charges. I asked for detailed reasoning, and they refused to provide it in their tech-support chat. I asked that they do a complete investigation, yet they claim to have done so in less than XXXX weeks. It says the claim was submitted on XX/XX/XXXX, and the investigation was completed on XX/XX/XXXX. 

I spoke with a member of the financial crimes unit of the XXXX Police Department who was shocked at this ; he instructed I continue to be persistent with XXXX, who has yet to explain the specific reasoning for the decision but also has given false reasons, for example, they wrongly claim that there was no additional charge after I locked the card, but this is not true. There was a charge at a XXXX for {$100.00} at XXXX PM on XXXX the XXXX. My card was locked within XXXX hours and I reported it promptly. I did everything in my power correctly. 

There was a delay in reporting, but this couldnt be the case when customers have 90 days to report. XXXX was reported to the firm asap within XXXX days, and the first couple of days, I was changing the passwords to all of my accounts because since they had access to my phone login PIN, they had access to my iPhones saved passwords and notes app list. I was also getting a new cellphone from XXXX and went through XXXX process of reporting the phone stolen so that they could lock the device and block it from being activated in the future. 

They talk about transaction history, but only XXXX of those stores had any transaction history, and that was a big box retailer, XXXX. But the thieves hit multiple targets, including ones I didn't have purchase history with. The other charges take place all over the city, but mainly on the south side, which again is a place I have no long history visiting or any purchase history from. 


They say there was not enough information given. Yet, I provided an entire police report, screenshots from my email of the finding my XXXX and it being removed, and the fact that I had to order a replacement phone and report the other phone stolen on the same date I locked my cards.
Consumer complaint received 2023-12-15
Product: Credit card — Store credit 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: CITIBANK, N.A. (PA)

I have ordered XXXX XXXX XXXX  from XXXX. XXXX Upon opening the package, I discovered the screen has a crack and ordered the replacement on XX/XX/XXXX after reported to XXXX. I mailed back the damaged package with tracking #. A day later XXXX XXXX  was order was canceled by XXXX with no reason giving. When I asked why the replacement was cancel the agent has no answer for me. Then I decided to order from another vendor XXXX. I ordered the same phone with XXXX instead. Same price XXXX. 
The following week it was XXXXXXXX XXXX the same exact phone was reduced to the price of {$850.00} I have returned back the XXXX order and purchased the lower price one from XXXX again order #. 
Until XX/XX/ I have discovered on the credit card investigation package of tracking # that was sent to my address. I immediately report to XXXX that I havent never received any notification or any type of communication. XXXX agent refused to help and ask me to contact XXXX for a missing package that they sent. When I contacted XXXX I was told only sender can request credit and from receiver. XXXX refused to file a missing package on my behave and refused for refund along with the BestBuy credit card company. I have paid my credit card, {$1100.00} with fee and interest due to the failure of XXXX not filing the missing package.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax Inc. is headquartered in XXXX  GA. Equifax Inc. is a for profit traded company under symbol EFX in the business services industry. 
Equifax is regulated by the FCRA and in occurrence with the FCRA. Equifax must comply with The Privacy Act of 1974, and 15 U. S. C 1681 a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers ' right to privacy. 
I have not verbally or given any written agreement to Equifax that allows them to report or provide any information on any report pertaining to XXXX XXXX. 
They have violated 15 U. S. C 1681b, 15 U. S. C 1681c, 15 U. S. C 1681e ( a ) ( b ) and being as though Equifax has not received any written instructions from a federally protected consumer. Equifax has stolen my identity under 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
I have the right to make sure my private information isnt shared, which is backed by 15 U.S.C 6801. 
These are the accounts I want removed from this credit profile : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (MD)

on Sunday, XX/XX/2020, i realized that i had lost my debit card, my phones and my wallet. i contacted my bank immediately the next day with my mother 's phone to contact my bank. the name of my bank is current. i explained to my bank that someone had used my debit card and that this person was still using it. he wanted to charge me almost {$5.00} to send me a new credit card but then they changed their mind because they realized that another person was using it because when i contacted him via chat. their phone number doesn't work. i explained to current the transactions i didn't recognize and they said they would look into it. they contacted me today via my email address and told me they saw no error. i am shocked by their response as i showed all the evidence i had in my possession to show them that i was a victim. i hope you can help me get the refund of about {$1800.00} that was stolen from me. thank you in advance for your help. have a nice day.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (NY)

My current student loan servicer is with XXXX and EdFinancial was my previous servicer. My student loan was transferred to XXXX from EdFinancial. However, EdFinanacial is still reporting my balance that I have an open account with XXXX. I have XXXX also reporting my balance to XXXX too. My student debt balance is now reported as double on my credit report on XXXX, one from XXXX and one from EdFinancial. Ed Financial refuse to close my balance with them and indicate it was transferred to XXXX. The double reporting of student debt has a negative effect on my credit score. 

I've attached a copy of XXXX report that EdFinancial justified that my student loan debt is still with them.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A dispute was submitted on XX/XX/year> and the investigation was completed XX/XX/year> ; and investigation results are not viewable or accessible online as TransUnion stated they would be.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION (MI)

For the past 2 months, I have been trying to transfer my individual traditional IRA savings account money ( my life savings in retirement funds ) from Everbank to my local bank XXXX as a normal, standard procedure -- a trustee/custodian-to-trustee/custodian transfer of funds. 
For two months, Everbank sent me wrong forms to fill out, then they sent more wrong forms to fill out ( I had all their forms filled out and submitted with notary stamps/witnesses just as Everbank asked . Each person I spoke with told me that the previous person made an error. The procedures were not followed and erroneous information and instructions were given to me by atleast 7 employees This kept happening for almost 2 months. I finally gave up nad had my local bank initiate the IRA transfer process. I filled out all the appropriate forms with my local bank XXXX, which forwarded the documents to Everbank. I receive a written email from the special processing unit of Everbank on Tues. XX/XX/XXXX that Everbank had sent a check for the full proceeds ( money ) in my IRA to XXXX by XXXXThe money has never arrived from Everbank. XXXX says it was never sent. My account was closed. My money has disappeared. Everbank employees hang up on me when I call. Or they put me on hold for an hour at a time and never pick up. Everbank has stolen $ XXXXfrom me and Everbank will not help resolve this. HELP! HELP! Please. P.S. Everbank is not a real bank -- it is a savings association and NOT a commercial bank.
Consumer complaint received 2023-07-13
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. (GA)

I want to inform the 3 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 ) 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently raised concerns about the inaccuracies in the provided information with Equifax, XXXX, and XXXX ; unfortunately, the matter remains unresolved to date. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF HAWAII CORPORATION ()

on XX/XX/year>, I filed a complaint to bank of hawaii ( XXXX ) stating that they have made an error in my letter that they requested of em to close my savings account only. I was to send a letter to them describing what account to close and there reasoning, hand written. I have written this letter to them, stating to only close my savings account, not my checking account, I underlines, highlighted so it could be well read and not have this mistake be made. I took precaution, which the company, did not. I was to receive a phone call for identity purposes before closing my savings account, as I was on the phone, the woman told me that she will shut down the account, which I asked her, two times to make sure, " just my savings account, correct? '' She said yes. Later that day I was to transfer money and it did not work, and I checked to see my whole entire account was closed, along with the money, which they did send by check. I have tried to contact them numerous times by phone and email and nothing has been materialized into solving my problem. They said they have tried to call me, but they did not. I have emailed them and received no email back since XX/XX/year>.
Consumer complaint received 2023-12-15
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. (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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (FL)

In XXXX of last year, I contacted XXXX to inquire about the amount I needed to pay to end my contract, as I was unable to use my phone at home and had consistently poor service in my area. I was informed that I only owed {$85.00}. I expressed concern that this seemed incorrect and asked multiple times for confirmation. The representative assured me that {$85.00} was the total amount required to cancel my service. 

Based on this information, I switched providers, trading in my phones with a new company. Shortly after, I went to a T-Mobile store to settle my balance and was told that I actually owed over {$2000.00}. I spoke with the store manager, who provided me with a phone number to contact XXXX directly. During that call, I was escalated to a higher-level XXXX named XXXX. He acknowledged that I couldn't use the service in my home and agreed that I should only be responsible for paying off the devices, with the promotional discounts applied. This would have reduced my monthly payments to less than {$50.00} until the devices were fully paid off. 

However, soon after, I started receiving wildly inconsistent chargesone month {$100.00}, the next {$300.00}. As I dont have time to be on the phone constantly, I let it go until XXXX charged me {$1200.00}, which overdrew my bank account. I called customer service and had the charge reversed. I was assured that they would contact XXXX to ensure the original agreement was honored and that I would receive a detailed payment history in the mail. Neither of these things happened. 

The following month, I was charged {$1200.00} again. Frustrated, I called to have my card removed from the account and was again promised a resolution, but nothing was done. I visited the store twice after this, only to be told that they couldnt assist me. 

To make matters worse, XXXX  has since sent my account to collections for an amount I do not owe, without any transparency about how much Ive already paid. They refuse to communicate with me directly and now forward all calls to a debt collector. This situation has severely impacted my mental health, causing significant stress and XXXX 

I believe this is unacceptable and potentially unlawful. XXXX lack of transparency and unwillingness to resolve the issue is distressing, and Im concerned this could be happening to others as well.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Entrata Inc. (GA)

Ive noticed unauthorized inquiries on my credit report that I would like to get removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (MI)

Discover Card made claims that I was indebted to their company. I disagree with this claim. Discover Card misrepresented material facts that would have lead me to make other decisions based on our business relationship. My endorsements on the contract gives it value and Discover Card then sold the instrument for cash value and then assigned their liability to me for repayment. This is fraudulent misrepresentation because Discover had a duty to disclose this would happen when I endorsed this contract. They did not and will not take responsibility for their actions. I have filed arbitration against Discover and hereby give notice.