davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (IL)

XX/XX/XXXX " I received an email XXXX XXXX at XXXX titled, " Your brokerage and crypto accounts are restricted ''. I am told that my account is restricted, I can only sell my stocks, crypto, and transfer my stocks to a new brokerage. I am contacting XXXX  Since I have asked multiple times for a statement detailing the date, time, and what exactly was broken under the terms and conditions to have my account restricted. They do not have a direct phone number you need to open a chat a request a call back. Once restricted I can no longer request chats thus I can not speak to them. I have been emailing XXXX to try and get an answer to my inquiry. On XXXX @ XXXX I sent them an email stating, " I am unable to call into your support, or make any chats. Please let me know why my account was banned from your platform. It has not been stated in any email, call, or chat I have received. If I am only temporally banned please let me know when this will be lifted. At this point I am unable to create a new chat or request a call on your application. I appreciate your time and honesty '' ( My Email ). On XXXX at XXXX I got a response from stating, " As I stated before, the decision is final and binding. There is no option to appeal this decision '' ( representative named XXXX sent via email ). Which tells me I can not appeal there decision and its final yet they never told me the decision, why, and how long it lasts. Big picture I opened a chat saying I could not trade a stock since it was frozen stock named XXXX. It was right after a large volume dip and I was unable to place an order. I sent a screen shot to them. They said, " it must be a glitch ''. No this is a FTC violation and I'm starting to think thats why I got banned. If you read this entire thing I appreciate your time. As of now I have transferred my money out and my stocks. My crypto is sitting in my robinhood account. '' I can not request a call. The only response I get from XXXX is ; the decision is final and binding. There is no option to appeal this decision '' ( Robinhood ). If its final then tell me what your decision is based off of when it happened and why. Then tell me what is happening to my account and for how long, please. Thank you
Consumer complaint received 2022-09-07
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. (TX)

In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A 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 a account without my written instructions.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX {$4100.00} XXXX left them multiple emails regarding this situation and I had someone throw paint on my door. Someone destroyed my apartment and claimed I did it just like my neighbor next door got into an argument with me and the paint on my door and they did nothing. I had to pay for a hotel because I didn't feel safe. i'll came to the front office and they aren't there or it's closed early or they don't answer their phone I leave messages I leave emails at this point there is nothing else for me that I can do they refuse to return any of my phone calls or respond to any of my emails in regards to XXXX issues that I have in regards to this apartment since I've been there I've had XXXX XXXX XXXX  XXXX from this carpet that it took them a month of me contacting and begging them to clean and i eventually ended up in the hospital I now had birds in the walls of my apartment and I've looked outside on the side of the house and there are holes that they have constantly made a noise pecking at to get into the building and now they are living in the walls I started getting pest issues from all the trash that is constantly left around the entire neighborhood I now have pictures of proof of everything from the dirty hallways the overflowing trash the dirty disgusting breezeways the amount of times that I've tried to contact them with no luck and on three different occasions now there have been gunshots near my apartment in my home and my safety is now questionable I also have recordings of one of the shooting incidents they are refusing to do anything the gate has been broken for almost 6 months now and no one is caring about the safety of the people that live here and I am expected to give rent when I do not feel safe living here i ended up losing my job due to me being XXXX XXXX XXXXXXXX XXXX  This was a very toxic living situation. I can not pay
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

Comenity bank/EXPRESS has posted inaccurate information to my consumer report. I have not received a correct and true statement since November 2021. I have attempted to contact them but haven't received a response. This is a billing error and needs to be fixed so i can pay my credit card. This inaccurate information on my consumer report needs to be fixed so i can apply for more credit. This adverse action on my consumer report has affected my ability to move into my apartment. I want to continue to do business but i haven't received a statement at ALL.
Consumer complaint received 2022-12-29
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: SYNCHRONY FINANCIAL (SC)

XXXX XXXX  XX/XX/2022 i got a hard inquiry that i want deleted. 

By XXXX XXXX XXXX XXXX i got a hard inquiry that i want deleted also. 

I say this because as you can see i have nothing on my credit report before that, because i never knew anything about it. I jus started working on my credit in XXXX  with credit lines i have on my account now thats the only thing i recognize. I gave No consent for those other inquirys
Consumer complaint received 2019-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX )
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$750.00}
Consumer complaint received 2019-01-31
Product: Credit card or prepaid 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: SUNTRUST BANKS, INC. (NV)

I bank with Suntrust filed a dispute on unauthorized charges on my credit card which was denied. 
There were 2 charges on my card for gift cards at a gas station in XXXX XXXX at that time I was in XXXX which triggered a fraud alert and my card was subsequently shut off after i verified they were not by me this caused me severe harm as I had no access to funds in the middle of nowhere in Montana heading back to XXXX The second charges were from XXXX XXXX XXXX XXXX authorized charges for a car rental which my wife rented and paid for by her own credit card for several months prior to the charges that showed up on my card her card was shut off for fraud entterprise wanted a card on file for the rental till she got a new one we were in XXXX at the time couldnt return car so I gave them my credit card info on the premise they would not charge it the rental was not in my name until my wife got her new replacement credit card These charges are around {$1600.00} subtrust has extremely poor customer service I had to wait hours on the phone filing complaints they just dont care
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

On XX/XX/2019 I snail-mailed a letter request to Equifax to create a credit file for my minor ( XXXX-year-old ) son and then instantly freeze his report. ( He has no credit file. ) Following information available at equifax.com, I submitted the appropriate form and pieces of documentation ( including copies of my son 's social security card, birth certificate, and my driver 's license ). 

On XX/XX/XXXX I received a form letter from Equifax saying my son did not have a credit file and offering no further advice. 

On XX/XX/XXXX I sent a follow-up letter to Equifax 's Minor Child department, explaining what I had tried to do and again asking Equifax to do it. A week later I received a second form letter. Once again, it said what I already knew : my son has no credit file. 

On XX/XX/2019 I phoned Equifax 's main Customer Service number. The rep ( who gave her name as XXXX  ) seemed confused at first, said she had to ask someone, and finally explained to me that Equifax can not create a credit file where none exists -- that they can only freeze an existing file.

Information at https : //www.equifax.com/personal/education/identity-theft/child-identity-theft/ appears to contradict what she told me which also appears to be in violation of Public Law 115-174.
Consumer complaint received 2019-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On the evening of XX/XX/XXXX, I electronically transferred {$78.00} from my Bank of America ( BOA ) checking account, to my daughter 's BOA checking account. The internet stalled as I waited for XXXX ( the entity that BOA uses for online transfers ), to zap that {$78.00} from my account to my daughter 's. I got an error message about XXXX not being able to make what XXXX stated would be a duplicate request. But XXXX slowly confirmed my transaction was done. As I checked to see what was done, I saw XXXX had made THREE {$78.00} transfers totaling {$230.00}! So I called the BOA customer service number of XXXX, only to get that now usual recording of live agents being busy with other customers. I hung up and asked my daughter, who lives with me, to try to correct the error by just returning {$150.00} back to me, though XXXX/BOA. My daughter did that, and got a BOA confirmation notice of the {$150.00} going to me. {$150.00} was taken out of her account. But MY account still just showed {$230.00} missing! So I called BOA again on the XXXX, and again on the XXXX, and again, again, again on other dates/times. I got different, ineffective, inefficient responses each time. Here 's what was said : I needed to set up my XXXX service to include my e-mail for transfers ; did that, to no avail ; so it was then, I need to speak directly to XXXX ; got transferred to XXXX, just a talking robot, no live person who could help me resolve the problem ; then it was, I need to let BOA investigate ; at some point I had sense enough to say I neeeded to file a dispute/claim ; BOA said my claim was filed, but I see no such claim ; and an agent said during BOA 's investigation, I would have my {$150.00} restored to me today, XXXX XXXX, but of course, not so ; now BOA agents say I'll have to wait until maybe Friday, XX/XX/XXXX, for their investigation to end and for me to thus, get back my {$150.00}! This is outlandish, since when customers have disputes outside of BOA, customers get fast results - missing monies are quickly credited while BOA investigates. But when BOA or its XXXX entity is at fault, customers wait, wait, wait, to no avail. And customers can't even see any evidence of claims filed! Sounds like BOA just likes to cover up its mess-ups, at its customers ' expenses!
Consumer complaint received 2022-08-18
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. (CA)

I pulled my report XXXX XXXX ; and I noticed quite a few inquiries that I did not give written instruction/consent to. These inquiries are an invasion of my privacy 1. ) they have harmed my reputation ; I keep getting denied for having inquiries 2. ) I am emotionally harmed and will not extend credit or apply to anymore financial intuitions, 3. ) I have not been able to physically get a job Provide me with permissible purpose including my written instructions, the recipient source and the purpose ( credit, insurance or employment ) list inquiry or inquiries
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may provide a consumer report in line with the consumer 's written instructions. I would like to state that TransUnion is in breach of this provision. The following accounts were never reported on my consumer report by TransUnion with me as the consumer 's express authorization. 

Consumer : XXXX XXXX Last 4 of Social : XXXX date of birth : XX/XX/1990 TransUnion file number : XXXX Accounts 1. XXXX XXXX XXXX account # XXXX 2 XXXX XXXX XXXX XXXX : all accounts associated with this company 3. XXXX XXXX XXXX XXXX : all accounts associated with this company Identity theft occurs without consent. I've included a report on identity theft that claims they are being falsely provided on my credit report. I demand that these errors be taken out of my consumer report. I would start to lose trust in the financial system if these mistakes weren't fixed. In accordance with 15 USC 1681 ( a ) ( 1 ), I would like to state that the banking system dependent upon fair and accurate consumer reports. TransUnion is breaking the law by allowing these accounts to appear on my consumer report. Once these illegally furnished accounts are removed ; TransUnion must inform the other two credit bureaus. Hopefully this can be done without me having to file litigation.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My name is XXXX XXXX and I am writing to you with hopes that this is a topic that can further be invested and light can shine on the discrimination against business owners with a criminal background in the past. 

I am co owner of a small business trucking company in Texas. My business partner ( also my significant other ) have started this business from the ground up. We are licensed by several governing bodies and growing. I mention this to lay the foundation of the steps it has taken to get to where we are. 

My partner and I have been banking with USAA over 8 years. I have utilized their car insurance policy for over 10 years. In recent days we received notification that USAA has decided to no longer provide banking to him and has threatened to drop me as my insurance provider if I refuse to sign a letter of exclusion. They gave no reason as to why and after several phone calls- no one was able to give me answers. 

Finally, XXXX representative was able to transfer me to the underwriter for the USAA auto insurance policy. Due to my partners criminal background. He WAS a felon and has done his time with the justice system over 7 years ago. NOW they decide to no longer do service with us ( even though they have been doing service with us for almost a decade ). When I asked to review this clause or stipulation, she said I wouldnt find XXXX. They have the power to make that decision ; regardless of the sacrifice his grandfathers have made and the promise they make to their military customers and loved ones. They can discriminate against anyone when ever they choose base on whatever background they may have had. 

After reviewing this 'exclusion clause it would signify that should there be a car accident and our family is in it- everyone EXCEPT for him will be protected. How is that not discriminatory? What happened to a fair chance? Or the simple fact that his civil rights and mine are now being taken away and the bank is getting away with it? 

The underwriter also said that it was a good thing we arent married because they would immediately terminate my coverage. Why is it their business who I marry? Why should a long standing member be clumped in with this discrimination? I am not paying for his auto policy. Why does the past of a successful business man matter? 

I bring this to your attention with hopes that it can be investigated further- I do intend in seeking a civil rights lawyer to fight this injustice. I know many other families who have unfortunately been discriminated against for a past that no longer defines them or a past their loved ones have and it has directly affects them- like myself. Thank you for taking the time to read this. Please feel free to contact me if you have any questions. 
Have a great day, XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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. (NY)

Experian refused to remove an account that is not mine. 

I have despites 3 times already with supporting grantor documents of account in dispute
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Company report me late during XXXX and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with XXXX XXXX
Consumer complaint received 2019-01-31
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. (CA)

I am not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports XXXX  XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX   XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Company report me late during XXXX and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with XXXX XXXX.
Consumer complaint received 2019-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

Sent {$150.00} using XXXX ( Chase XXXX with XXXX to a person I was supposedly buying concert tickets from. 
They gave me their name and email. 

XXXX XXXX email : XXXX within minutes of the transfer I suspected fraud and called Chase right away. They said there was nothing they could do and don't even know who the money went to or where. 

Chase was no help at all.
Consumer complaint received 2019-09-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

Santander is reporting a { {$21000.00} } debt on my credit report. This debt is Santander 's tactic to defraud the United States IRS. I requested validation of debt over 3 times with the latest being less than 2 months ago via certified mail. I NEVER received any type of correspondence to even validate the fraudulent amount nor verify the debt. They have violated many FDCPA rights. Santander has use my personal information to receive a tax write off for a fraudulent debt. Santander has reported payment history that can not be verified also.
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX, MrCooper received my qualified written statement ( written XX/XX/XXXX and acknowledged it on XX/XX/XXXX ) regarding Force Placed Flood insurance on my home. FEMA updated the maps in our area on XX/XX/XXXX but our portion of the zone was re-validated from prior XXXX submitted by the developers of our neighborhood in XXXX. All this information was sent to MrCooper, but MrCooper still paid the Force Placed Flood insurance on XX/XX/XXXX iao {$1900.00}.