davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (TX)

I am writing to report an issue with my account on the Robinhood trading platform, which has been unexpectedly restricted. The initial restriction occurred without a clear explanation from Robinhood, prompting me to contact their support team for clarification and resolution. 

Timeline of Events : Day XXXX : I noticed that my Robinhood account was restricted, preventing me from conducting any trades or withdrawals. There was no prior notification or explanation provided for this action.

Subsequent Days : Over the next several days, I made multiple attempts to contact Robinhoods customer service for an explanation and to have the restriction lifted. During these interactions, I provided all requested materials and information to demonstrate my compliance with their terms of service and to rectify any potential issues that might have led to the restriction. 
Day XXXX : Despite my repeated efforts and compliance with all of Robinhoods requests for information, my account remains restricted. I was informed that it would take another 5 days for the restriction to be reviewed and potentially lifted, extending my inability to access my funds or trade to a total of 15 days.

Throughout this process, Robinhood has not provided a satisfactory explanation for the restriction or a clear timeline for resolving the issue. This lack of transparency and prolonged restriction period has caused me significant inconvenience and concern regarding the safety and accessibility of my funds. 

I kindly request your assistance in addressing this issue with Robinhood, ensuring that my account restriction is reviewed and resolved promptly, and that measures are taken to improve communication and support for Robinhood users facing similar issues. 

Thank you for your attention to this matter.
Consumer complaint received 2017-10-05
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: BARCLAYS BANK DELAWARE (OR)

1 ) I purchased a train ticket for XXXX 
2 ) My connecting transportation was delayed and consequently I missed the train.
3 ) I dispute the transaction with barclay, give details and wait.
4 ) After 2 months of waiting, I call Barclay and ask for an update on the dispute. 
They inform me the dispute is over and the the provisional credit is now permanent. 
5 ) 1 week later I receive a letter in the mail saying I lost the dispute and have to pay the XXXX 
6 ) I speak with Barclay twice and to a manager. They refuse to do anything for me.
Consumer complaint received 2019-10-26
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: M&T BANK CORPORATION (GA)

I have contacted all three credit bureaus to corrected a fradulent file on my account which is from company by the name of m & t bank. They have received funds from the VA and from over 400.000 from me, VA and the State Banruptcy department. They pretended to be a mortgage and then did not except mortgage payments. Would not dispense escrow money account.This company has been pretending to be a mortgage company from some time. They shown up in the courts hand have provided illegal documents to take our home with the XXXX County Court system. I Ccan be reach ed at XXXX XXXX XXXX
Consumer complaint received 2020-04-24
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. (PA)

Disputed a chap XXXX bankruptcy with all 3 credit reports. Transunion, XXXX and XXXX failed to verfiy within 30 days the items disputed, in addition not provide results of the investigation within 30 days.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (MA)

Its all with the same issue I had before having my cards stolen and unauthorized charges on my cards. I have reached out to Moneyline and they have tried to deny my claim without telling me why which also makes no sense because it was a store so clearly someone isnt doing their job to actually investigate these matters.
Consumer complaint received 2017-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (CA)

I have a Discover student loan current under repayment. The loan has increased the APRs that are now around 8.75% and the minimum payment is coming to a total of $XXXX per month. The company was providing me with a lower monthly payment ($XXXX) that was basically only paying the monthly interest but not decreasing the total debt at all which is extremely frustrating but at least I was being able to keep the payments on time. Now, they have stopped the lower payment and are demanding me to pay the total minimum of $XXXX. Just to better explain my entire situation, I have another student loan that is paid directly to XXXX University on a minimum payment of $XXXX. So, with both student loans combined, I am required to pay a total of $XXXX in student loans repayment every month. I just graduated from college 1.5 years ago and I'm an XXXX XXXX starting my professional career in XXXX XXXX. This total amount of $XXXX  already corresponds to more than 50% of my monthly salary. I would love to pay the entire amount or even more to get rid off this debt as soon as possible, but right now I just can't. I don't have the financial means to keep up with such a high bill. I still have to pay for other expenses that are necessary for my personal well being such as rent, utilities, food... I have tried to talk to Discover to lower the payment and reduce the APR so I could continue to struggle but at least keep the payment on time but they have refused to provide any help.With an APR 8.75% for the past 5 years, they have already accumulated such a big amount of interest on this loan and they are still extremely greedy about reducing the APR or providing help. I haven't even started to repay the original amount yet. Every payment has been towards interests only. I really don't want to fall behind my payments but I really can't pay their minimum of $XXXX.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, BOA unilaterally closed my bank account without any notice, and seized all account funds in it ( approx. {$22000.00} ). BOA sent a letter notifying me of the account closure, but no reason was given. After a visit to my local BOA branch office, and repeated calls to BOA, I finally learned that my account closure was due to " Suspected ACH Deposit Fraud '' on the account ( there was none ). BOA never reached out or communicated to me in any way before closing the account. The funds in this BOA bank account were my California Employment Development Department ( CA EDD ) benefit, which I have been regularly transferring into this checking account. BOA has now closed this account for no legitimate reason, and the funds are gone. I emphasize that my CA EDD benefits are all qualified/legitimate, as is all activity on this bank account. There is absolutely NO FRAUD in this matter.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My mortgage was paid in full on XXXX/XXXX/XXXX. As of today, XXXX/XXXX/XXXX, I have not received reimbursement for my escrow account nor the overpayment of interest. The bank, Bank of America, closed my account on XXXX/XXXX/XXXX so I have no way to see what 's happening to my account via the internet. Additionally, trying to call the mortgage department is a frustrating waste of time. Each time I 've tried, I was never able to hold long enough to talk to someone. 

XXXX days to settle this account is obscene. Any payments to BOA that are late are charged a late fee but banks get a free pass?
Consumer complaint received 2024-03-14
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: Bread Financial Holdings, Inc. (IA)

I was trying to buy a house and realize that I had damage on my credit report According to the 15 U.S.C 1681G law violation there should not be any damage on my report
Consumer complaint received 2019-10-26
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 — Was not notified of investigation status or results
Company: Capital Accounts, LLC (SC)

Capital Accounts LLC reported to XXXX, XXXX and XXXX that I owed an amount of {$420.00} from a creditor named XXXX XXXX XXXX XXXX. On XX/XX/2019 I sent my dispute via certified USPS mail to Capital Accounts LLC,  XXXX, XXXX and XXXX. In my dispute letter, I requested validation of the debt from Capital Accounts LLC. The  debt validation that I requested was : Who was the original creditor on this account, and what was the account number? What was the original amount owed? I asked them to provide a complete payment history, starting with the original creditor. I requested documentation that indicates that I agreed to pay the reported amount of money. I requested the original date of delinquency for this account. I requested a written agreement that grants Capital Accounts LLC the authority to collect on this alleged debt, or proof of acquisition by assignment. I requested how much Capital Accounts LLC payed for this account, and how did they calculate the current amount owed. Capital Accounts LLC has never responded to my dispute by mail, email or telephone. Capital Accounts LLC has been non-compliant with with the Fair Debt Collections Practices Act by not responding  to my dispute neither have they validated to me the debt that their company reported to the XXXX, XXXX, XXXX. Capital Accounts LLC reported to Transunion in response to my dispute that the reported debt was paid off and the balance was currently {$0.00}. This is proof that this debt is invalid, fraudulent or was payed off to the original creditor prior to this collections being reported to the three named credit bureaus. I've attached documents of my dispute that I sent to Capital Accounts LLC via certified mail and the documents from XXXX with their findings in response to my dispute. I am requesting that Capital Accounts LLC remove  this debt that their company has reported from my credit report from all credit bureau agencies permanently as soon as possible. Thank you.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CT)

The company had a limited time {$170.00} Referral bonus promotion in which I completed all requirements to receive! The company did not fulfill their promotional guarantee! Ive tried reaching out on many occasions to no avail!
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Good Afternoon, I am writing to file a complaint regarding a situation involving Bank of America that has significantly impacted my finances and my family. I have been making regular, automated payments to my two credit cards since XXXX. On the XXXX and the XXXX of each month, a set amount has been withdrawn from the same checking account. These withdrawals appear in check form on all of my bank statements as they have since XXXX. As of XXXX, XXXX, Bank of America has been kicking back these scheduled payments without my knowledge. When I finally figured out this was occurring, I called both XXXX  and XXXX who both said Bank of America is kicking these back for unknown reasons. When I approached Bank of America, they stated they do not take payments in ACH or check form. This is not true, as evidenced by my payment history of three years where this method was always accepted. I have made zero changes to my account and have only used this method for the entirety of my payment history. Because of these kick backs, it appears to the credit card companies that I have been missing payments, therefore my Husbands credit score dropped XXXX points! ( I pay his discover card with this joint checking account ). It has also significantly dropped my credit score as XXXX is under my name. I have worked for many years to build our scores to good and almost excellent standing and now both of our scores are fair-poor. 

This is in no error on our part. We have been making auto payments for three years and have always had sufficient funds. Because of this random claim made by Bank of America declaring they do not accept this payment form, our finances are ruined and we are no longer able to qualify for a mortgage, nor refinance our vehicles or renew a lease. I am a XXXX  and am currently in school to become a XXXX  XXXX, therefore I have many student loans and am concerned this will impact that as well. 

I reached out to Bank of America in person to request a simple letter stating the issue at hand so that I could present that to the credit bureau in hopes of restoring my earned credit score. They denied my request stating I am at fault for not knowing they dont accept check form, which is simply a false statement of which we have evidence to support. 

I would like for them to take accountability for this error. This would cost them nothing accept a moment to write a letter. I work very hard as a XXXX  and in school, I have XXXX babies and we simply can not afford to take the blame and the large financial hit due to the lack of accountability from a historically criminal bank. I truly hope this can be resolved in some possible way as this was and is completely out of our control. I have attached images of payments made in check form to Bank of America over the years. 

I look forward to the resolution of this situation and would appreciate it more than one could understand. 

Thank you. 

Kindly, XXXX XXXX
Consumer complaint received 2021-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have reached out to Capital One Auto Finance and XXXX XXXX XXXX XXXX by Phone, certified mail, and email regarding the inaccurate information and missing information in my balance history in my credit file with Capital One Auto Finance. I have been trying to get the inaccurate and the missing information correct, since XX/XX/2020. I am extremely appalled by how the investigation has been handled. I have filed five disputes with XXXX XXXXXXXX XXXX XXXX regarding the inaccurate information within my credit file with Capital One Auto Finance and every single time the results that have come back stated that the data was updated and is completed. But, the information has not been corrected nor updated!!! In the meantime, I kept losing points on my credit score due to filing a dispute. 

I have gone back and forth between Capital One Auto Finance and XXXX XXXX XXXX XXXX, both keep giving me different information. Capital One Auto Finance has shared that they send out payment information monthly to all three credit bureau. XXXX XXXXXXXX XXXX XXXX are sharing they are not getting the information. Instead of correcting my credit file, they keep blaming the other. 

I have never been late on my installment loan. All the inaccuracies started in XX/XX/2020 of last year. Within the balance history on my credit report with XXXX XXXX XXXX XXXX for my account with Capital One Auto Finance, there are six ( 6 ) months missing and for some of the months that are listed, it shows I paid {$0.00}. I have provided payment to XXXX XXXXXXXX XXXX XXXX but they stated that the information has to come from Capital One Auto Finance. I have submitted proof that shows these inaccuracies to Capital One Auto Finance and I was told that they have sent the information but they can not make XXXX  put the information into their system. This is the information from XXXX  If your creditor reported your account balances to us, we list them in this section as additional information about your account. This section includes the scheduled payment amounts, amounts actually paid, and the dates those payments were made. This has not been done!!! 

The payment history is correct but it is my balance history that is not correct. There are figures missing out of the equation within my balance history that make a big difference when it comes to your credit score. I have lost 39 points due to the missing information within my balance history. 

I really did not want to file a complaint against XXXX or Capital One Auto Finances with the Consumer Financial Protection Bureau but it is affecting my credit score.

Please see attachments 1 and 2
Consumer complaint received 2019-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want to file a complaint with Transunion credit bureau because there are a few errors or items that I have hard evidence to have removed or edited. After creating and submitting disputes with evidence and or letters the company generates a reason to not investigate. It states that the items disputed are proven not to be on my credit report, however that wouldn't be the case if I was able to create a dispute. 


Please look into the matter, I would like to have you investigate before taking legal action.
Consumer complaint received 2017-10-05
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. (MS)

I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX  regarding debt validation of an account that is reported on my consumer credit report with XXXX Transunion, and XXXX No one has yet to validate this debt! 

Also, I have requested for XXXX to remove hard inquiries from my XXXX XXXX that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (VA)

I have attempted this complaint twice now regarding Chase Bank. They are calling me so many times, they are making this website crash so they can push the call through. 
I had identity theft in XX/XX/2023. It took 90 days to get about 75 % of the money stolen from. XXXX accounts. The credit card company refused to listen and now they are calling from XXXX to XXXX sometimes 15-20 times a day and calling from different numbers. The balance is to {$1800.00} and the limit on their card was {$1500.00}. I asked for a limit change and they refused. Now their fees are well over the credit limit and I owe 100s of dollars more. 
If they call again during this session, I can not keep repeating the issues and typing all this on my phone.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

Last XXXX XXXX XXXX XXXX XXXX closed one of our accounts and made no mention of the issue to myself via any means. Text, email, USpostal service, phone call. Nothing. When our merchant provider attempted to deposit over {$7000.00} into the account, it was closed unbeknownst to anyone that it was closed. It turns out that XXXX XXXX XXXX XXXX charged a fee that put the account in the negative and then continued to charge over {$300.00} in additional fees based on their first fee. Since the deposit was not able to be made, the merchant provider closed our account on their end, perpetuating the problem. When I contacted XXXX XXXX XXXX XXXX, branch manager XXXX XXXX from the XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. Phone number XXXX, apologized and stated he would rectify the problem. He would make the fees go away and reopen the account. What he did was submit the fees as a charge off to the Chex system which taints our business record and makes us unable to open any other accounts. He never informed me that we were to be further blindsided by his ineptness at dealing with this issue. 

Upon discovering this in XXXX, I have made more than 30 attempts at contacting him and fixing this issue. No one answers the phone at the branch. XXXX. So I am unable to leave him a message or contact him. I am an hour and a half away from that location so I can not just drop in. I have made phone calls to XXXX XXXX XXXX XXXX XXXX number and they eventually are able to go through some back channel and get someone at the branch to answer a secret phone line. Us lowly customers don't have access to. Upon doing so, he of course is never in the branch. He's the branch manager but he's never in the branch. I was finally able to get one return phone call from him and he promised he would fix the issue 3 weeks ago from today XXXX. Since that day, I have made a plethora of phone calls and emails and he returns none of them. At this stage I have so many dozens of hours vested in this and the stress associated with it that it has become a very substantial issue. And of course, I've been unable to open the initial account that made me realize their mistake in the first place. This has become a very, very serious issue and he knows this, yet refuses to fix it in spite of stating multiple times that he would. This has rapidly become the most inept bank I've ever had the misfortune of dealing with. And I had been with them for 35 years to this point. Something has changed and people need to be aware of it.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (PA)

Almost XXXX was used on my credit card its a few dates but they all occurred while I was arrested from XX/XX/XXXX until XX/XX/XXXX I even provided proof I was arrested and my phone was taking as well as my wallet you can pull it up free online to see my arrest and release dates