davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (VA)

On XX/XX/2024, I opened an account with Robinhood. I transferred {$1000.00} by debit card to my account and then deposited {$12000.00} by wire from my bank account. These deposits were accepted by Robinhood as were the subsequent purchase transactions for XXXX. As soon as the XXXX was purchased, Robinhood restricted my account and removed my XXXX and my remaining cash from my account, also on XX/XX/XXXX, as shown on the monthly statement. I contacted Robinhood immediately and numerous more times during the subsequent XXXX  weeks. I explained repeatedly that those funds were for a dire medical emergency and needed to be sent immediately. For XXXX  weeks now they have ignored my pleas to release my funds. Now they say they will send me a check which I should get in another XXXX  weeks. Robinhood apparently has been using my funds/XXXX  and meanwhile, it has caused costly XXXX  interventions to try to keep the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Robinhood is responsible for these costs and will be held accountable for wrongful death. 

I am XXXX XXXX XXXX and Robinhood 's handling of my finances has been devastating. In addition, I was informed that I had to add more funds to a XXXX XXXX  connected to my Robinhood account in order to get my original funds. I had to send my bill money and borrow additional funds at high fees. Despite sending an additional XXXX XXXX it was still not enough but everything I deposited, Robinhood removed, even from my XXXX XXXX 

The person needing the XXXX remains in XXXX XXXX yet Robinhood won't return my funds to my bank account. This is a matter of life or death and Robinhood 's handling of this matter has been unconscionable.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (CA)

I got an apple card, where i tried to make payments from my savings account. apple card which is a mastercard from goldman sachs kept pulling the money from my checking account, because of which my account went negative and i was charged NSF fee of {$32.00}. I have spoken to multiple people from apple support and submitted bank statments and yet no resolution yet. It been 3 months and nothing yet. I need the money reverted as its apples internal error not mine. It also dinged my credit scores as the payment got declined for non sufficient funds. Their texting feature to resolve cases usually hangs up on customers.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (GA)

On the morning of XX/XX/24, we tried to have money wired from Citibank to an attorney 's office for closing on a house. Why had originally planned to use another institution for this, due to Citibank 's reputation, however the night before, without notification, Citibank chose to invalidate a check to our other bank, hours before it would have cleared, despite having had six days to process it. No explanation was ever given as to why Citibank clawed back these funds from our other bank account. The amount of money we needed to transfer was in excess of the {$50000.00} wire limit and when we called to try to bypass this limit we were told that the only way to do so would be to upgrade our account to one with a higher minimum balance requirement. We were, however, assured that the transfer would be completed by XXXX XXXX  that day if we did so. This is still an excessive amount of time for a wire transfer, considering that just that morning XXXX XXXX had been able to do a wire in under an hour. 

When we subsequently called to try to check on the status of the transfer, we were told that it would take " four to eight hours '' ( later we were told 24-48 hours, which is probably what was meant originally, but the call center in XXXX had XXXX call quality ) and there was no way to speed this up whatsoever. We were given no explanation as to why an alternative timeline way given. Upon escalating the call we were told they would prioritize our transfer but still given the same timeline and no explanation as to why the timeline had changed. The Citibank representatives suggested we could use a check, XXXX, or ACH transfer to move the money sooner, which is not how closing on a house works in the US, though I do have sympathy as the laws and customs are likely different in XXXX, where the representatives live. 

We are writing this more than 24 business hours later ( plus a weekend ) and the prioritization seems to likely have been a lie as the funds are still in the " pending '' stage, apparently not having even begun processing.
Consumer complaint received 2024-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to follow up on the negative items that I have been disputing with your department for some time now. Despite previous communications, I have yet to receive a satisfactory resolution to my dispute.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX 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 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CO)

NewRez LLC took over management of my mortgage from XXXX XXXX XXXX in XXXX of XXXX. I had auto debit set up with XXXX from the start and never had any problems. The auto debit process transferred to NewRez LLC with no problems and remained that way ever since. 

Then on XX/XX/XXXX NewRez LLC has sent an email notification that I am delinquent on my monthly mortgage payment of {$1000.00}. They followed up with a USPS letter received XX/XX/XXXX. 

I sent an email on XX/XX/XXXX requesting clarifications on the delinquent payment notification. I have never received a reply. I have continually tried to call them via the phone number they provide ( XXXX ) and I get the error message " your call can not be completed at this time, please try again later ''. In the meantime, they continue to take money from my account to cover my mortgage. This feels like a scam and I'm questioning the legitimacy of this company. Are they attempting to pad their revenue with bogus collections?
Consumer complaint received 2024-01-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NH)

XX/XX/XXXX I paid {$100.00} at XXXX XXXX for a Vanilla gift card. The money was scammed out of the card before I received it. The card could not be used upon arrival. I called the company on XX/XX/XXXX. Per company I wrote out a complaint and received another Vanilla gift card with XXXX balance on XX/XX/XXXX. The company said on XX/XX/XXXX when I called again, the money will be uploaded. On XX/XX/XXXX I asked for a supervisor as still no money was added to the new replacement card. He told me I would have the {$100.00} added to the replacement card in 2 to 3 business days. It's XX/XX/XXXX and still no {$100.00} Vanilla gift card. It's important to note my original gift card was given to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX tel XXXX given to her as gift. She gave card back when it wouldn't work and I gave her cash. The replacement card came to me who was the purchaser. They may have some info under her but always acknowledge the money {$100.00} will come to me and has not and has NOT gone to her either. I have " empty '' balance replacement card mailed to me at my home!
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (MI)

I have two insurance claims currently showing on my auto insurance history report by LexisNexis and I'm unable to find the correct path to dispute these claims. There was not a XXXX dollar paid out to the insurance company or involved parties on either claim, and one of the dates of the " claim '' on my file I don't even recognize so that may be completely inaccurate. Neither of these instances should have been reported as claims on my history, as neither of them had police reports involved or involved the insurance companies in any way from a financial standpoint. My vehicle has always been in great condition and it continues to be in great condition to this day and this is costing me a lot of money on my car insurance rates which are over {$600.00} per month for myself and my son! Thanks for any help and/or direction you can provide me with. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Klarna AB (MI)

Complaint XXXX was submitted on XX/XX/year> against XXXX and Klarna. Klarna did not provide proper disclosure that a hard inquiry would be made on my consumer report through XXXX. 

Klarna has not responded. 

XXXX responded on XX/XX/year>. It is now XX/XX/year> ; More than 30 days have lapsed and the inquiry must now be removed as required by law.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

CREDIT IS NOT REPORTING ACCURATELY. MULTIPLE CREDIT AGENCIES ARE REPORTING INACCURATE CREDIT REPORTS ON MY ACCOUNT. I SHOULD NOT HAVE A BALANCE WITH ANY COLLECTION AGENCY. XXXX XXXX XXXX IS UNLAWFULLY REPORTING DEROGATORY REMARKS ON MY CONSUMER CREDIT REPORT. PLEASE HELP ME OUT
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX  XXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have been keeping a close eye on my credit and am incredibly disappointed at the inaccuracies I have been seeing. This is now my second time reaching out to get the errors and inaccuracies removed from my credit report. This is causing me tremendous stress and XXXX especially since my concerns are continuously being ignored. I need these errors, at the fault of the bureau, corrected at once, since they were the ones who failed to ensure that the information being reported is in fact accurate
Consumer complaint received 2024-04-05
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a Bank of America credit card with a balance on it. All payments are up to date and I pay above the minimum. About half of the balance is under a 0 % interest promotion the bank provided. The other half has a 24.2 % ( usurious if you ask me ) rate. I pay above the minimum and notice all that money goes to the 0 % balance and none to the 24 % balance so every month, my interest payment rises even though I have made above-minimum payments and charged nothing more to the card -- my overall balances are lower. 

Is this legal? Do the banks decide where they want to apply the money sent to them so they can maximize the interest charged to me? It certainly seems unfair.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

Hello there, I requested a consumer report from LexisNexis which they provided, then I requested a review of my record due to multiple inaccurate items on XX/XX/XXXX, they responded on XX/XX/XXXX saying that the items turned back as verified. I then requested they delete the items because I personally went to the courts and requested proof that the items are in fact incorrect ; which I mailed them copies as proof that they never investigated anything on my file. This request and the proof was mailed and received by certified mail on XX/XX/XXXX, am still waiting to receive a response from them confirming the deletion of the inaccurate items on my report. 
The items in question are two public records : a property Deed and a bankruptcy.
Consumer complaint received 2024-04-05
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. (VA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2023-08-07
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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
Consumer complaint received 2024-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I sent a late payment removal request to Capital One to remove the one and only late payment from my credit report. I have been on time for the last 4 years and this is taking a toll on my credit report. 

I sent the letter to them on XX/XX/year>.
Consumer complaint received 2024-06-21
Product: Credit reporting 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. (NY)

I have on going identity theft issues where someone or some group is using my information to try to obtain lines of credit and loans. I have tried to get Transunion, XXXX and XXXX to remove this false info and It has been a struggle. The below items are all inaccurate because I did not authorize or provide my information for a hard inquiry to any of these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

In accordance with XXXX XXXX XXXX, this creditor has violated my rights under XXXX XXXX XXXX XXXX, XXXX  XXXX states I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it also states a consumer reporting agency can not furnish an account without my written consent. Under XXXX XXXX XXXX XXXX, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CT)

On XX/XX/2023, I tried to apply for XXXX XXXX and a cell phone 2 days Later I canceled the previous order. After a couple of months, I started receiving bills from XXXX and called them to address the issue. XXXX I was being charged for the equipment they sent to me. Happened I never received the equipment bc the order was canceled. Went to the XXXX store in person. The account was closed in the problem was supposed to be fix. On In the month of XXXX a collection agency started harassing me I talked to them And called XXXX again to fix this issue. Last XXXX a week ago on my credit report a derogatory mark created by XXXX XXXX XXXX for XXXX $ XXXX
Consumer complaint received 2024-01-20
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

Multiple emails sent this morning ( XX/XX/2024 XXXX XXXX ) stating a Chime account was created and phone number that was not mine was updated on the account. Called the companys phone number XXXX and was asked sensitive questions including DOB and SSN to identify and close the account. Hung up and realized there are many others who have experienced this and worried about my sensitive information. Company not to be trusted.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have submitted multiple documents regarding being a victim of XXXX XXXX I was asked to provide more information ; however, every time I try to upload documents, the system does not allow me to do so. The ability to submit is impeding a timely deletion of adverse information on my credit report that was a result of XXXX XXXX