davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (TX)

On XX/XX/2024 I opened a brokerage and bank account with Robinhood Securities LLC., on XX/XX/XXXX I made a transfer in the amount of {$4900.00} From my external account to my Robinhood spend account with an avaliable date of XX/XX/2024. 

On XX/XX/2024 I received an email saying my Robinhood accounts had been restricted until I submitted documentation proving my identity, they requested a copy of my external bank account statement, a copy of my driver 's license, and a selfie of myself holding my driver 's license. 

On XX/XX/2024 I called Robinhood customer service to verify they had gotten my documentation, but Robinhood customer service preceded to asked me a series of questions that lead me to believe my account may have been compromised and at that point I requested the deactivation and closure of my account, and to be allowed to transfer my {$4900.00} that they were keeping me from accessing out of my Robinhood account and into my external account, the agent informed me due to the account restrictions this was not possible until the investigation was completed in 5-7 business days I could not. 

On XX/XX/XXXX I only received auto-generated email responses from Robinhood, so I proceeded to file complaints and request mediation and Arbitration from the following government agencies. 

XXXX SEC XXXX XXXX On XX/XX/XXXX I received an email saying Robinhood was closing out my account due to terms of service and my funds would be transferred to my external account but this could take up to 15 business days, when I received this email I immediately logged into my account to discover that without my permission or knowledge Robinhood transferred my {$4900.00} from my Robinhood spend account over to my Robinhood brokerage account, I believe to incur interest that they would earn and keep until they transferred the money to my external account. 


On XX/XX/XXXX I emailed Robinhood customer support informing them I had filled complaints with the listed above government agencies and sent them my letter for ARBITRATION. 

On XX/XX/XXXX Robinhood sent a email response saying they were reopening the investigation and it would be 2 business days before I would get an email with there final decision.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (WA)

As of yesterday I received my direct deposit through work as of today my account was closed. I've received several different letters stating why my account was closed but none of them are legit. Chime also says that it's gon na take 30 days for me to receive my money.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Neon Newco Corporation (AL)

If you can send me an email I will send you the info of how much and everything it is fraud and I can get no one to help me I'm a senior citizen and NetSpend took money from my Social Security checks for 2 months and they will not give me my money back and they closed my account without me knowing it back in XXXX of 2022 please tell me that you can help me this is very upsetting and I just didn't know where else to go thank you and have a blessed day
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

There are three accounts that exist on my credit profile that was opened up fraudulently by someone that stole my information due to a Data Breach that I have been involved in. The three accounts are, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now I have contacted Equifax several times about these accounts in question and have sent several legitimate and legal documentation that was required and requested by Equifax to do so, but still these account have yet to be removed and deleted from my credit profile as they should already be. These same documents will be included in this complaint for all to see. I didnt open any of these accounts nor did I benefit from these fraudulent accounts. I am a war Veteran that fought in the XXXX XXXX XXXX and countless missions in XXXX and was wounded physically and mentally because of these battles that I endured. I have been diagnosed with XXXX  XXXX and I shouldnt have to deal with problems like these that should easily have been solved without having to go thru so much red tape. I didnt open the accounts nor did I benefit from them so why should I have to pay for something I didnt even do. Its very shameful how Equifax has treated me concerning these fraudulent accounts. This is how a war Veteran is treated after fighting for this countrys freedom and rights but my own are denied.
Consumer complaint received 2024-01-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (LA)

I have been disputing this account with the three credit bureaus since last year. The company was deleted last year off my credit reports and now it's back on my credit report. I have filed a police report and a FTC report. I called the company a few months ago to get the problem resolved and it still remains on my credit report. I even sent them a debt validation letter requesting them to send me documents but they failed to do so. I am a victim of identity theft and I never opened this account.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX I noticed 2 fraudulent inquiries on my credit report from XXXX and XXXX. I sent a certified letter to Equifax to have them removed. Equifax received that letter on XX/XX/XXXX, see attached the confirmation from Post office. I was told that they could not remove the inquiry and I should submit a dispute online. I disputed as they instructed me but still, the inquiries were not removed ( the 30 days ' deadline passed but I did n't receive any confirmation from Equifax. The dispute XXXX was submitted on XX/XX/XXXX. It shows PENDING XX/XX/XXXX ( Estimated ) ). 
I contacted XXXX and they confirmed that the inquiry was fraudulent and told me that they informed Equifax to remove it. Equifax still refuses to remove those fraudulent inquiries even knowing that XXXX has informed them regarding this matter. 
On XX/XX/XXXX I pulled my report and noticed another surprise. My good standing account from XXXX opened XX/XX/XXXX limit for XXXX $ ( I am authorized user ) disappeared from my credit report. I contacted Equifax customer service and the customer service representative lied to me saying this account never reported on Equifax which actually did till XXXX. I contacted the another representative and was told to contact the creditor to ask them report one more time. 
I did what I was instructed and creditor told me that they were still reporting and there were no issues or changes and everything was fine with XXXX and XXXX and the error was related only to Equifax. The same day I noticed that I was not able to access my Equifax account and I called Equifax one more time. I spoke with a supervisor and he suggested me that it could be related to my credit file split issue and I should contact fraud department. 
Today I called Equifax and found out that they refused to help me with restoring my account and investigating what happened to my report and my disappeared account from XXXX, the customer service representative also informed me that there were some issues accessing to my online credit report that was why I was not able to access myself. 
Then I contacted the Equifax Consumer affairs officer XXXX. She told me that she did n't understand what did mean my Equifax credit report split and there were no accounts reported from XXXX on my report. I told her that I have a confirmation number and actual reports from XX/XX/XXXX, and from XXXX XX/XX/XXXX showing the account on my report. She was surprised and asked me for the confirmation number which I provided and then she just refused to investigate and help me. 
I am attaching my ID, SSN and current bill, my credit report from XXXX dated XX/XX/XXXX, confirmation from USPS, a summary of my disputes with Equifax, my Equifax credit file dated XX/XX/XXXX.
Consumer complaint received 2017-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (FL)

I have a student loan with MyFedLoan.org. I am in the XXXX and have been for almost 5 years. I 've always paid my monthly loan on time. Every year MyFedLoan requests that I submit my pay stubs so that they can calculate my monthly payments, and up until 4 months ago I and neither has MyFedLoan had an issue with my financial documentation. Now, they are telling me my paystub is invalid, illegitimate, and can not be used because it is not the same as the paystubs from the other XXXX branches. Now they have me paying a very high monthly payment that I in-fact can not make because somehow they were able to obtain my yearly income, which is very off from I 'm actually making, and thus causing the high monthly payment. I 've contacted them very many times and tried providing other types of financial documents, but they persist they can not help me or do anything about it. It is almost to the point where they wont even pick up or answer my calls. I was told my case went before a board of advisers for review, but they denied my petition. So here I am reaching out for help, desperate to get a low monthly payment and hopefully not have to worry about this. I have too many worries at work with the XXXX and this should be the least of my problems. Thank you for hearing me out and for your help. If I could I would stop using MyFedLoan service to pay my loans. Thank you once again and have a nice day.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (GA)

This creditor ( Columbus Bank and Trust ) as made an inaccurate report to the 3 bureaus, upon contacting said creditor they have refused to make to proper adjustments. In accordance with the fair Credit Reporting Act this creditor violated by privacy rights. 15 USC 1681 section 602 states I have the right to privacy, by disclosing my information they have violated my rights. 15 USC 1666B States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681 section 604A section 2 States that a consumer reporting agency can not furnish a account without my written consent. I never instructed them or gave authorization to furnish my account information.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (DC)

I APPLIED FOR A CREDIT CARD ON XXXXXXXX  AND XX/XX/year>XXXX  AND WAS DENIED FOR BOTH THIS IS SECURITIES FRAUD. I GAVE AMEX A SECURITY INTEREST WHICH IS AN OBLIGATION OF THE UNITED STATES. WHICH MAKES IT CASH AND I WASNT IN RETURN GIVEN VALUABLE CONSIDERATION FOR THOSE SECURITIES AND THE CONSIDERATION CAN NOT BE MINUSCULE CONSIDERATION EFFECTIVELY MASKING A GIFT AS A CONTRACT.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Citizens Bank has been mailng me offers/, promotions to open an account since I moved to my address several years ago. I have no interest in opening an account, mailings need to stop. I did not sign for these mailings, did not provide my address.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 items. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC 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 XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

On XX/XX/year> I had an appointment in branch with XXXX XXXX XXXX XXXX. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, XXXX XXXX XXXX XXXX ran a inquiry on my ChexSystems report on XX/XX/year> without my permission
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I canceled my service with my TV provider correctly in early XXXX. That company charged me in error for another month of service on XXXX/XXXX/XXXX. I contacted the company to complain, and when I did not initially receive an adequate response, I contacted Capital One to initiate a dispute. Capital One credited my account XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, my TV provider also provided a credit. This essentially left me underpaid to that company for my final payment and they sent me billing information. 

On XXXX/XXXX/XXXX, I used a credit card with a different company to pay the TV provider in full. 

On XXXX/XXXX/XXXX, Capital One reconciled statements and realized I had received XXXX credits for the XXXX payment. They added another transaction for the payment to forward to the TV provider. Because the balance owed had been with the TV provider and because it was settled using a different financial institution, Capital One did not need to charge me again. The company did so and then refused to offset the transaction stating that they do not have an option to remove the charge. As a result, Capital One has cost me {$100.00} that they did not provide a service for ( paying the final payment for my TV provider ). The company has refused to make me whole.
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (FL)

I looked over again my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting Act this creditor XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ) has violated my rights. 
15 USC 1681 section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Consumer complaint received 2023-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (TN)

XX/XX/17 : received debt collection call from. " XXXX, a manager '' ; advised him to do not call my number again. 

XXXX called again, declined call XXXX called again, spoke with XXXX reiterated XXXX request , advised reporting violation
Consumer complaint received 2022-02-19
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: ATLANTIC UNION BANKSHARES CORPORATION (VA)

On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that XXXX of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.
Consumer complaint received 2023-10-03
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. (NY)

I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 


XXXX XXXX XXXXXXXX & XXXX XXXX
Consumer complaint received 2018-08-08
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)

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EXPERIAN has been reporting incorrect information on my credit report for XXXX XXXX/XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EXPERIAN regarding the XXXX XXXX/XXXX  account, which was received by the EXPERIAN on XX/XX/2018. On XX/XX/2018, EXPERIAN responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EXPERIAN that any automated response or e-oscar verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EXPERIAN has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.