davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (MD)

My account on Robinhood was restricted with no response. And it doesnt fall under any of the reasons that would cause them to restrict my account. I have lost several days of my trading opportunity and I also needed to withdraw my cash for financial reasons and can not do so either. One lady who i talked to named XXXX said she would provide info regarding the issue via email but never got a reply from them. They have simply restricted my Robinhood brokerage account with no cause.
Consumer complaint received 2023-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX My XXXX auto pay draft always goes out on time!! Citizens Bank somehow told me I missed a payment and charged me a late fee. I wasnt late as it was their problem they didnt get a payment. I was told by a banker at XXXX there is a number that all financial call for routing?? They never seemed to call. If they charge {$9.00} late fee to one million customers they get XXXX XXXX dollars!! I think they need audited and fined like you guys did in 2015. They are trying to use a glitch to get revenue from customers. Also their account fees are high. I never got {$300.00} to start with my new account?? They wanted XXXX and I dont want an IRS audit on a big transfer!! Thanks!
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (TX)

Contributor : XXXX XXXX XXXX XXXX XXXX Incident Date : XX/XX/2022 Principal Loss : {$410.00} ( Please remove this from my file as this is inaccurate and not correct ) XXXX XXXX XXXX XXXX XXXX No additional information is reported. 
( Please remove this from my file as this is inaccurate and not correct ) Early Warning is reporting negative information to my check system report that is inaccurate. I am requesting that this information is removed from my file.
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (AR)

I have filed numerous FTC reports and disputes with the credit agencies. They are not being processed correctly and I am not getting copies of the verification process. Results are not copies of the verification process. The FCRA is not being followed correctly and I can not get help.
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. (TX)

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.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NC)

On today, XX/XX/2023, I called my Bank Wells Fargo to find out why I am unable to make any online payments or transfers and was finally told that they decided to close my bank account on XX/XX/XXXX so there is currently a hold on my account. I asked why this is happening as Ive never had any issues with them since becoming a customer the beginning of this year and I was informed only that it was an executive decision that they can not disclose to me the reasoning of why. When I asked if I could go to a branch to withdraw my money ( {$290.00} ) they told me I can not do that and I have to wait until they close my account on XX/XX/XXXX and I will receive a cashiers check in the mail within 2-3 weeks. I obviously can not wait that long for access to my own money as I have bills to pay and other responsibilities that are coming up. It is completely unfair that not only did they never contact me about this decision ahead of time, but that there is no explanation as to why AND I cant have access to my own money for that long. If someone could please help and contact me I would more than greatly appreciate it. Thank you in advance for your help and time.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

My Chase credit card was closed by Chase with no explanation. When I called to ask, they would not let me know why they closed my account. I would like the following : 1 ) An explanation of why my account was closed, and 2 ) Credit of the {$95.00} annual fee that I paid and now do not have use of this card. 

Thank you.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has charged me {$150000.00} twice ( for a total of {$30000.00} ) for a credit card dispute. Want to note this whole claim started because a BOA employee left my XXXX checking account details in my customer profile and another employee used that information to conducted wheat was by then an unauthorized transaction. This was told to me by BOA employees BOA refuses to provide any info on where the XXXX {$15000.00} went to and also refuses to properly close the claims in a timely manner. This has been happening since XX/XX/2023 ( XXXX  months total ). The original dispute was opened in XXXX and after no action on the dispute for months, BOA charged me twice to close the dispute in XXXX of XXXX  I have called and sent multiple letters. BOA even refuses to give the correct balance of the account to all credit reporting agencies and is stating my balance is XXXX over its {$29000.00} limit on credit reports My credit score has gone down XXXX points. I have never made a late or missed payment in my 17 years of credit history. My lines of credit for my small business have been dashed along with limits on personal credit cards due to Bank of America 's negligence.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

I mobile deposited a check on XX/XX/XXXX and as of today XX/XX/XXXX the funds have still not been pit in my account. I called chime on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have now told me my funds are still pending until the XXXX. When I told them I was filing a complaint she said she would try to have it deposited by XXXX today.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (KY)

In XXXX I opened the Chase Credit Card XXXX. This card gives me miles when I pay for stuff with the card. 
When I opened the card they promised me to pay for my XXXX fees. I used the card to pay for the XXXX fees and I have not received any refund. The total amount is {$70.00} dollars. I contacted Chase on XX/XX/XXXX and they said that I should get the refund soon. Until today, I have not received anything.
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NY)

I reported an issue regarding a late payment and overcharge to Victoria 's Secret from Bread Financial. Since then, they have been calling me from various private numbers, which seems suspicious and unprofessional. I requested they contact me using their official number, but they refused, suggesting I call them back on another number that I couldn't verify online. I informed them that I already reported this issue to the Consumer Financial Protection Bureau and would wait for their response. Their customer service has been very annoying and unprofessional.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I've tried to cancel my Experian account several times but I keep getting XXXX alerts from them. I told them to delete all my information and not contact me anymore while speaking to an agent and they assured me they would cancel my Basic account but I still get dozens of emails from them every month. Its beyond infuriating.
Consumer complaint received 2023-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (RI)

This complaint has been previously submitted and a copy of the previous complaints shall be uploaded for your review. However, a new issue of complaint arises for each and every time these crooks falsely believe they can change their company name or whom they buy/sell the debt to and attach a false debt claim to my credit history. I will say it again the initial creditor was not authorized to open an electricity account in my name nor did I ever make application for such an account! Inclusively the electrical work was illegally wired in such a way that usage could not be fairly calculated between multiple units as proved in a courtroom of law and by a licensed journeyman! I want these accounts removed from my credit report immediately please. Thank you for your time and consideration!!!
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i was denied my updated credit report.. that i requested because of new information that is incorrect and in error. when i go online i only get garbage same thing when i call the phone number for TransUnion
Consumer complaint received 2023-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (PA)

Made timely payments. But PHH held onto payments each month after giving me a conformation number saying it was paid on the phone. Each month I pay by phone and the prompts never said anything about missed payments. Now I have negative reporting and must wait 2 yrs to refinance. When the problem was first discovered in XXXX, I went to my bank and wired the entire amount do as told to us by the manager handling my case. {$15000.00} XX/XX/XXXX. Everything owed. {$3700.00} XX/XX/XXXX, {$3700.00}. XX/XX/XXXX. 

Now I have a statement saying I owe {$10000.00} for XX/XX/XXXX. How? The {$15000.00} paid was supposed to have included XXXX 's payment. My XXXX and outer was me paying early, I thought. 

Also, when I pay by phone, it never let 's me in and I ha e to get assistance to be put in the system. The phone system never tells of any back pays owed.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened a new account and it was immediately locked. I tried calling a few times, after 45 mins on hold one time I was told there was a security issue with my phone ( not sure what this means ) and that I needed to go to a branch. I took an afternoon off work and went to a branch, waited for an hour and after showing several forms of ID was told my account was unlocked. I tried to access and it's still locked. I can't spend any more time on this and just want to close the account and get my initial deposit back.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. 

These accounts are fraud. 
XXXX XXXX  {$120000.00} XX/XX/2023 XXXX XXXX {$110000.00} XX/XX/2023 XXXX XXXX {$49000.00} XX/XX/2023 XXXX XXXX {$52000.00} XX/XX/2023 XXXX XXXX XXXX {$22000.00} XX/XX/2023 These inquiries are fraud. 

XXXX XX/XX/2023 XXXXXXXX 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

I have been trying to fix this problem for almost 2 years now. every time I apply for credit no one is able to pull my report from Experian. I have a free account with Experian and I'm not able to see any updates since XX/XX/2021. 

I have called numerous times for over a year and the problem is not solved. I've even updated all of my information per their request, they claimed that it would be fixed and I will have access to my credit report, but that was almost 2 years ago.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

on XX/XX/year> XXXX limited closed my account because I used wise to trade XXXX. I wrote a complaint to them to get the remaining money in my account but they did not accept it. They said there was a claim against that amount and it would be returned to the claimant. However, as of XX/XX/year>, when I asked them to send me a statement, the money still remained in my account and had not been returned to anyone else. I will attach their final decision and my account statement as of today XX/XX/year> below
Consumer complaint received 2023-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

My mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) to Select Portfolio Servicing as of XXXX. Property taxes were due to the XXXX XXXX XXXXXXXX  XXXX on XXXXXXXX 
- XXXXXXXX  : knowing that SPS had not yet paid my real estate taxes, I notified them of the omission. 
XXXX XXXX  : I paid my taxes myself and submitted the receipt from the XXXX XXXX XXXX XXXXXXXX tax assessor to SPS - XXXX : I spoke to XXXX, a customer service representative from SPS, to request a escrow refund to reimburse me for the taxes I paid. She told me that everything would be resolved by XXXX. I received no further communications from SPS. 
- XXXXXXXX  : I spoke to XXXX, another customer service representative from SPS, to request a escrow refund to reimburse me for the taxes I paid. XXXX assured me that she would research the issue and to call be back by XXXX. I never heard from XXXX nor did I receive an escrow refund from SPS.
Consumer complaint received 2017-08-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (CA)

This is a general complaint and observation. XXXX XXXX XXXX # XXXX has conducted very shady business for quite sometime. Whether loan app dates, loan apps, XXXX  decisions, closing, tolerance cures, many of their practices are not compliant.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I transferred XXXX Litecoin ( worth aprox. USD {$38000.00} as of today XX/XX/XXXX ). I did this transference on XX/XX/XXXX from Exchange company Coinbase.com to another Exchange company and the money is still stuck in " Pending transaction ''. It 's been 9 days without having access to my money. They promise that transactions may take as long as 24 hours but it has been 9 days already. This is inadmissible. I contacted them and asked if at least they could cancel the transference and they told me they ca n't which is a lie. Other Exchange companies even provide a cancel button for the user to cancel transactions like this as long as they have n't come through yet. My transaction is stuck in " pending '' with zero conformations, which means it has never left Coinbase yet, however, they refuse to give me back my XXXX Litecoin.
Consumer complaint received 2023-04-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (SC)

The account Grain Technology locked my account and would not return emails or calls. I tried for months, which has been documented. I had 22 months of on time payments and thats when my account was locked. They have closed my account and reporting several months of late payments. Those should be removed due to the inability to make payments because they locked my account and I could not get in touch with them. My record with them shows the payments would have been paid on time. Im asking for removal and report updated account to all credit bureaus.
Consumer complaint received 2024-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (OH)

On XX/XX/2024 a debt collector online information services. opened a collection account on my credit report. I am not aware of this debt. I was not given proper notification of this debt nor the opportunity to dispute this debt prior to it being put on my credit reports. If in fact this company believes I was given proper notice prior to this being placed on my credit report, I would like a copy of the certified notice with my name and signature on it making me aware of this debt and the opportunity to dispute before it was placed on my credit reports.
Consumer complaint received 2023-07-08
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. (MI)

XXXX XXXX XXXX XX/XX/XXXX Last Four SSNXXXX Account Number : XXXX Date Opened : XX/XX/XXXX My rights as a consumer has been violated by Experian. 15 USC 1681a ( 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 sent multiple letters to Experian regarding this account on my credit report. Instead of addressing my concerns specifically, they send me an automated response saying the information being disputed is accurate. I do not care whether the information is accurate or not. I do not want my private information on my consumer report. 15 USC 1681a ( 2 ) ( a ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Account XXXX should be in my consumer report at all. I would like Experian to delete this from consumer report immediately.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : ACCOUNT # XXXX Subject : Formal Complaint Regarding Violation of Consumer Rights and FERPA Rights Dear XXXX Customer Service, I am writing to formally lodge a complaint against XXXX for the apparent violation of my consumer rights and the Family Educational Rights and Privacy Act ( FERPA ). I have discovered that XXXX  has reported my student loan information without obtaining my explicit permission, thereby breaching both legal and ethical boundaries. 

As a consumer, I have the right to privacy and control over my personal and financial information. FERPA, a federal law, further protects my educational records from unauthorized disclosure. Despite these protections, I have been subjected to an infringement of my rights, as XXXX has reported my student loan information without my explicit consent. 

This violation is not only concerning but also unacceptable. I want to emphasize that by disregarding the laws safeguarding my rights, XXXX has opened itself to legal repercussions. As a result, I want to make it explicitly clear that I reserve the right to pursue legal action against XXXX for this violation. The unauthorized reporting of my student loan information not only breaches my rights but also potentially harms my financial standing and credibility. 

In light of the aforementioned violations, I demand the following actions : Immediate removal of any and all references to my student loan information from my credit report. This action should be carried out promptly to mitigate any further damage to my creditworthiness. 

A written confirmation, sent to my address mentioned above, acknowledging the removal of the aforementioned information from my credit report and any other databases where it might have been shared or stored. 

An official apology from XXXX acknowledging the oversight and detailing the measures taken to ensure that such violations do not occur in the future. 

I expect a timely response to this complaint and action on the aforementioned demands within " 14 days '' from the receipt of this letter. Failure to address this issue promptly and adequately will leave me with no option but to seek legal recourse. 

I trust that you will treat this matter with the seriousness it warrants and take immediate corrective action. I look forward to your prompt attention to this pressing concern. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX I was sent XXXX via XXXX. As usual I was sent a text saying the funds were on the way and would be deposited into my account. The transaction was later cancelled by my bank because they hadn't turned on my " instant deposit '' and I am told there is no way for them to recover my money. Spent nearly and hour TWICE on the phone with the bank and got nothing resolved.