davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (NC)

I attempted to reset my multi factor authentication profile today XX/XX/2023. In doing so, I was locked out of my account for no reason. I was asked to submit a picture of my ID, a selfie, and a picture of the left and right sides of my face. I did this multiple times and it kept getting rejected. I submitted a ticket with Robinhood and they refused to help any other way, stating I took the picture wrong ( I did not ). I resubmitted it 3 times while on the phone and they said I still submitted it wrong ( I didnt ). I asked for a manager and they told me to hold. I waited 20 minutes to be told the manager would email me to setup a call. I said no, stating that every time I was previously told this by Robinhood, I never received an email back after I replied. I said I would hold for a manager on the phone. I waited another 30 minutes and was told the same thing. I replied the same thing as above, I would hold for one. I wait another 10 minutes and then they tell me they cant do anything without me replying to an email to setup a time. Even after the rep hung up on me, even if I did want to do the email method, they did not send me anything. So I now can not access my checking or brokerage account through them.
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC (FL)

In XXXX, the company known as BROCK & SCOTT , PLLC contacted me about an alleged debt that I do not owe in the amount of {$12000.00}. I have No prior or existing relationship with this company and its affiliates and/or assigns known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company and these individuals have obtained my private and confidential non-public personal information without my consent or knowledge and are attempting to defraud me into paying them alleged debts that I do not now nor have never owed to the,. This company and these individuals have no right to contact me or to attempt to collect any alleged debt from me. This company 's and these individuals business practices violate my right to privacy as a consumer and also the Fair Debt Collection Practices Act 15 USC 1692. I have demanded several items as proof of the allegations and claims yet this company and these individuals were unable to provide ANY documentation to support the allegations. I am confused as to how this company was able to obtain my private and confidential non-public personal information without my consent or knowledge since I have never done any business with it.

This company exhibits practices that are non-consistent with the laws that regulate debt collectors in the FDCPA. Since the company is clearly intent on violating my rights and ignoring my demands to Cease communication with me I am making is clear that I want this company to CEASE AND DESIST ALL COMMUNICATION with me IMMEDIATELY. Due to these events and the acts of this company I am emotionally distressed and traumatized due to the violation of my privacy and my rights as a consumer. This company has embarassed me in front of my peers and family in it's attempts to collect this alleged debt not owed to it. The way the last letterhead from this company was written also uses a style used by lawyers and is the company 's attempt to scare me into paying an alleged debt I do not owe by impersonating a lawyer. This company has not provided proof that it even has a right to collect in our state as demanded in previous communication as well. I am demanding that this company Cease it's hostile tactics and its communications with me immediately.
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (GA)

This is with Remitly I had an account with them to make money transfers to friends and family since XXXX. I did not use it for the last few years. 
I tried to schedule a transfer in XX/XX/XXXX and logged into the account and scheduled a transfer and was promised the delivery in 2 hours. 

I then got a call from them that I need to provide passport for compliance as there was a second account created in XXXX. No further details were provided. I had no idea of what constitutes a second account ( Is it SSN based or combination of some other information ). 
I then provided the passport copy and asked how long it will take. 
I was told it will take 24 to 48 hours. I told her to go ahead with compliance but not with transfer as I will look into alternate arrangements for the money transfer. 

I then made alternate arrangements by sending the money using friends. 

I then got a call after a couple of hours and was told that the compliance is approved. 
I said I will need to confirm by logging into my account on my computer. 
By the time I did that, they went ahead with the transfer anyway and debited my bank account. 
I am concerned that they talked about a duplicate account only after I logged into my account and started and completed a transfer request and not when the duplicate account was created a few years back.
Consumer complaint received 2023-02-10
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX 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 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-29
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. (AZ)

FTC IDENTITY THEFT REPORT ATTACHED.

All 3 credit bureaus have not removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that were severely compromised by XXXX XXXX since XX/XX/2023 after my disputes and XX/XX/2023 legal size envelope with proof mailed to XXXX, XXXX XXXX Transunion. 
XXXX XXXX closed XX/XX/2023 both cards and continues to lace false billing line charges to these cards.

37 times false billing line entries is identity theft and FCRA violations.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

Td bank is denying my claim for fraudulent activity on my debit card, I went to a branch on XX/XX/XXXX asking for help on my account they told me that theres nothing they can do until the pending transactions post on the account. When I went to the branch again on XX/XX/XXXX they were able to help me close my account and issue me a new debit card. They told me it takes 7-10 business days to be given a provisional credit. I called in to customer service on XX/XX/XXXX and they had messed up the transactions that were disputed, they told me that the claim was denied as there was no incorrect pin used. Then they told me they can refile a claim for me and told me the same it would take 7-10 business days to get refunded. Then I called in again the following week on XX/XX/XXXX and they told me it was denied again and that I should get a police report. I went to the police and they informed me that Td bank is aware to give their customers an affidavit, to come with that affidavit with the police report. I went back to the branch on XX/XX/XXXX and they printed out the statements and affidavit for me. They said that Td bank never filed the claim initially and thats why I was having these issues. Someone needs to hold Td bank accountable. Td had also said that my card was not used after reporting it but it was used at XXXX XXXX for XXXX on XX/XX/2023. At the branch on XX/XX/2023 they told me that the other branch didnt file the claim initially. I am awaiting a police report number from the police they told me it can take 2 or 3 days. TD Bank has told me that once I get the report number that the branch will fax it to them and that this can take anywhere from 14 days to one month. Td bank and its representatives have been extremely careless, they do not care for their customers yet we entrust them to hold onto our money. 

ATM XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Total Amount due is XXXX
Consumer complaint received 2017-01-09
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: MEI AUTO FINANCE INC (TX)

Called threatening to pick my vehicle. Told me I need to make someone loan money in order to become current. 

Did not ask me no information. Told my information to a family member that called from my phone number. Did not ask any info to verify if it was myself. 

These people are very very very rude and not professional. 
MEI AUTO FINANCE
Consumer complaint received 2023-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

I am writing to delete the following information in my file. The item ( XXXX ) I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge, I ask that the item ( XXXX ) are deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item ( XXXX ) as soon as possible.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (NY)

I made a purchase in XXXX via XXXX using my Chime XXXX XXXXr card. Unfortunately I never received the product ( it was sent back to the merchant ), but I was still being charged. XXXX couldn't do anything & the vendor was refusing to refund my money, so I did a dispute with Chime. Even after providing proof that the item was sent back to the merchant, they closed the dispute in the merchant 's favor. Due to this, I closed the card. A few days later, the merchant FINALLY credited the money back, but since the account was closed, it was sitting in " limbo ''. I was told by multiple representatives and even a supervisor that once all final charges hit ( which made no sense because I couldn't spend what wasn't available on the card ), the funds will be sent to me. First, they said it would be transferred to the checking account that I have open, but then I was told it couldn't be. I was later told a refund check would be sent.. and I'm still WAITING. I filed a complaint with the XXXX and Chime went in circles & the XXXX dispute specialist suggested I make a complaint with the CFPB as well.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (GA)

I have sent several complaints to the credit bureaus on XXXX, XXXX, XXXX XXXX with XXXX and XXXX There is inaccurate information listed on my account with NCB Management systems. The company is stating that I XXXX XXXX dollars to them. I have never been extended credit from NCB. However, In XXXX I did have a car repossessed by XXXX XXXX The care was repossessed and sold at an auction for XXXX. 
Not only is the amount owed to XXXX not matching the amount that the car was repossessed for the debt is showing as if it is a new debt on my credit report with different amounts showing. I have call the company, I have called the credit bureaus and they have not been able to resolve this issue. They keep saying it is investigated. This is not the case. This debt is reporting like a new debt and NCB refuses to show me proof of what I owe. Please help!
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (TX)

Information on credit report inaccurate, please remove all inaccuracies. 

Inquires : XXXX XXXX on XX/XX/2022/ this does not belong to me
Consumer complaint received 2016-04-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX XXXX, XXXX Finance company : Santander Consumer USA Issue : Financed my car for 1 year XX/XX/XXXX to XX/XX/XXXX/Car paid off/ Unauthorized withdrawal. 
- I made another deal for a new car. XXXX was notified on XXXX XXXX not to draw anymore money from my bank account for monthly payments, because the account should be closed right away. They were notified in writing, email, and telephone. 
- Despite all those notifications they debited my bank account for {$340.00}, on XXXX XXXX, XXXX and are still keeping that amount hostage, despite the fact that they have been paid in full by the new dealer. They cashed their payoff amount and still refuse to refund my money taken with no authorization. 
- I have been told that with their predatory lending practices include a form of retaliation for suspending a financing transaction, even when properly and timely advised. 
- I believe that they should refund my money, and I am appealing to you for assistance. 
Thanks XXXX
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

I received communications from the IRS showing that I owed taxes on a debt discharge of {$3900.00}, and received a Synchrony Bank tax form 1099-C for the year XXXX showing that same amount. 

However, I paid a total sum of {$2400.00} as full and final settlement of Cause No. XXXX to the plaintiff XXXX XXXX XXXX, XXXX, Assignee of Synchrony Bank ( XXXX XXXX ). 

As a result of that payment of part of the debt, the final amount that should have been discharged by XXXX is {$1500.00}. 

I sent Synchrony all supporting documentation on XX/XX/XXXX and they haven't updated the 1099-C or submitted it to the IRS. I am receiving intense letters from the IRS stating I owe almost {$900.00} in taxes for that full discharged amount of {$3900.00}. 

I have provided the documentation of the debt settlement agreement and the actual settlement of the debt.
Consumer complaint received 2018-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COOLEY ENTERPRISES INC (TX)

I purchased a vehicle ( XXXX XXXX XXXX XXXX - White ) from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX ) on XX/XX/XXXX. 

I noticed that a couple of weeks had passed, and that my original loan from my trade-in, had not been paid off. I made several attempts to contact the dealer, to inquire about the loan pay off. Every time I called, I was either placed on hold, with nobody returning to the phone, or was told that someone would contact me. Each time, no response. I eventually reached out to my sales rep, who said he spoke to someone in Accounting, and that the check had already been mailed. He even assured me that it would reach my lender by XX/XX/XXXX. I even gave it a couple of days, and on XX/XX/XXXX had checked with the lender to see if the check had arrived. They explained to me that they had not received the check for this loan pay off. I was finally able to reach someone in Accounting on XX/XX/XXXX, who told me that they had, in fact, had not mailed the check. 

I have purchased several vehicles and have never experienced a loan pay off as slow as this one. I have even had to make an additional payment on the prior loan, so I could avoid late fees and a negative hit to my credit. It's not so much the fact that it has taken so long, but the simple fact that I have been lied to repeated times about the situation. I'm genuinely concerned that this dealer will not pay off my pre-existing loan, even though they have contractually agreed to do so. 

It's now XX/XX/XXXX and there are no signs of things loan being paid off.
Consumer complaint received 2023-02-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prizm Financial Company, LLC (OH)

On XX/XX/2023 Prizm Financial ( The Lender ) sent a repo agent to my home to pick up my vehicle that was at that time still within the 10 day grace period. The agent stated it was for no insurance, so I sent proof of coverage and the repo agent was told that it was ok to leave the car. 
The Lender ( Prizm Financial ) never re-took possession of the vehicle ; however, they have charged a repossession fee of {$440.00} to my account. When I made a payment on my account today, I was told I still had a balance of over {$500.00} which was due now and was already 11 days past due. ( This is because they are trying to collect the repo fee instead of adding it to the timed balance of the loan ) per Ohio repossession laws. 
My complaint is, lenders and repo agents can usually charge a repo fee if they come into possession of the vehicle ; however, this did not happen. My account should not be {$440.00} past due for a repossession that never happened. Also, this is showing on my XXXX report as a repossession and has dropped my score drastically. This needs to be corrected in their system so that my credit report is also corrected. 

Lastly, I have waited for three weeks for documents that I have requested from several employees which was never emailed nor mailed to me. 

Please resolve the repo fee issue.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX  All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.al inalienable rights reserved.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

My wife and I shared a checking account with Citizens bank. In early XX/XX/2019 my wife passed away. She had previously authorized Citizens Bank to withdraw automated payments of {$16.00} per month with a Vendor named XXXX, as I recall. ( Note : I was not involved in this commitment at all ). I went to Citizens Bank several times over the past few months, first with her death certificate to have them stop these withdrawals, yet they continued to take the money from my bank account every month. They suggested I take her name off the account, which I didn't do as this would have messed up the Social Security deposits. Recently, I went in to close the account and they told me that if the {$16.00} withdrawal requests continued to come to the bank, they would have no option but to reopen the account and charge me for these unauthorized withdrawals. Meanwhile, they have already withdrawn 4 payments that were not authorized. Its bad enough that I've had to deal with the passing of my wife, having this added stress is so disrespectful, discourteous and heartless. Note : I relocated to XXXX XXXX, CO and wanted this resolved before I moved, however, they have refused to cooperate despite all my attempts the past several months.. Please also note, I am a Senior citizen, XXXX years old, retired and also a Veteran.
Consumer complaint received 2017-03-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ACCELERATED COLLECTION SERVICE, INC (WA)

I tried to verify the company name and license number which they were unwilling to give. I tried to verify the name and amount of the creditor which they were unwilling to give. I tried to verify the name and address of the person they were trying to contact and they were unwilling to give. I asked for the first and last name of the collector contacting me and they were unwilling to give. After repeated attempts ( asked for each piece of information 6 times ) to verify any information, they became abusive and threatening, telling me if I did n't verify my identity they could take legal action.