davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ROBINHOOD MARKETS INC. (PA)

Robin Hood hasnt verified where my money went. They continue to lie by saying my disputes are out of their hands when I didnt receive full credit for returns. XXXX XXXX, XXXX, or pay fees that werent in our terms and conditions. Ive reach out several times. However, they still continue to direct me to the app even though they closed my account for suspicious activity, which makes perfect sense given the fact I sold all my stock. The app has never protected my identity, they sold my stocks for more than the actual price and refuse to provide a written explanation. Ive tried everything except legal action. They owe me money and need to pay it back. None the less, they shared my personal info with XXXX parties, all of which wasnt my consent. The damages cost nearly {$100000.00}
Consumer complaint received 2022-10-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

When my adjustable rate mortgage adjusts due to the change in the interest rate, the Mortgage Company unfairly and inaccurately calculates the new payment. They do not adjust the payment to reflect the new interest rate. They adjust the new payment to where the mortgage will never be able to be paid off. 

I am certain that I have over-paid Mr. Cooper in interest by tens of thousands of dollars over the past 15 years. I would like that overpayment of interest refunded to me.
Consumer complaint received 2022-04-25
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. (OH)

I had a medical bill placed on my report that was already paid due to an automobile accident. I have submitted the paperwork and the company and the bureaus have refused to update and remove this from my credit report. I even went to court with the company showed my proof to the judge and it was dismissed I sent in proof from the court with my complaint to the bureau yet on my current dispute they said it was accurate and didn't remove it.
Consumer complaint received 2021-03-15
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. (NY)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I have a XXXX XXXX branded CITIBANK credit card that I enrolled in XXXX at the advice of the local salesman 's advice. I've used the card numerous times and never been late in paying the balance in full since inception until XXXX. I had made some purchases as XXXX   XXXX  using the card. A few weeks later, I was forced to leave the state for a while due to my daughter ( a minor ) being in an accident with 17 other youth. Once out of the hospital, I returned to the state and got the CITIBANK invoice. It has a late fee and interest on the charges. I called CITIBANK and the gentleman agreed to waive the late fee but would not waive the interest of {$9.00}. I accepted his offer as it was my responsibility to pay in a timely manner. However, I pointed out to him that it was a ridiculously high interest rate. We got off the phone XX/XX/XXXX per CitiBank notes. I submitted a check payment via the XXXX online bill pay which defaults to clearing the bank on cashing. CITIBANK and my XXXX XXXX account both state the payment was processed/cashed on XX/XX/XXXX which is past the XX/XX/XXXX due date. While they have an extremely high interest rate, CITIBANK also has a policy where the minimal finance charge is never less than {$2.00} per month. So, they're continuing to charge me interest at {$2.00} per month. When asked about the charges, I get different replies like it is an interest fee, a late fee, etc. For example, it says 4 months but shows {$10.00} with the representative saying that she'll waive the {$2.00} late fee. So they appear to be charging even more than $ XXXX/month at certain times. This is all for a purchase of $ XXXXoriginally that has been paid in full including the original {$9.00} in interest. 

I've attempted to resolve this matter with CITIBANK to no avail and get continued harassment during any discussions with them about payment. 

This appear to be an example of anti-usury lending.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. Equifax these inquiries has violated my rights. 
( XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Please validate this information and provide with me the copies of any documentation associated with these accounts, bearing my signature.

In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 






CC : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau via fax ( XXXX ) XXXX CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX CC : XXXX CC : XXXX CC : XXXX CC : XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

We moved to a new address after building a home. XXXX added our new address over the phone after confirming identity. XXXX added the new address after receiving written correspondence with a copy of our drivers licenses and a utility bill with the new address. The same written request and documentation was provided to Equifax. In response, they sent correspondence on XXXX XXXX saying they had to have a drivers license or utility bill ( they had already received that ) and copies of our full SS # s in the mail to add/change the address. I would not mail a XXXX or copy of our SS cards to anyone since that could easily be intercepted. I called the same day to tell them that and asked them to change the address. As part of the call, I had to input my full SS # into the phone, so they knew my identity. The representative refused to add/change the address without receiving the full SS number in the mail. Perhaps you can reason with them and make them realize what an unsafe and unrealistic mail request this is, especially since the other XXXX credit bureaus are smart enough not to endanger their customers personal identity information. Our address has been changed everywhere else and needs to be correct on all XXXX of our credit reports.
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I am a XXXX mother who recently tried to buy house. I was denied for my house because of my credit. That inspired you check my credit report, and to my surprise there were several accounts that were Unauthorized by me.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (MI)

Account was locked//frozen when I attempted to transfer my money off of the debit card. I attempted to email and chat with customer associates. I also called. No one could give me a reason my account was frozen or the correct ways to unfreeze it. The manager responded it is out of her hands even! As a private practice XXXX, my clients trusted this Platform when they sent their payments and copayments to this account.
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2020, there were a sudden amount of withdrawals from my account through Citibank through XXXX. I received a text alert and an email requesting if I had authorized these and did in fact respond saying " No. '' Then all of the funds in both my checking and savings account were wiped out. I contact Citibank and they made me feel as though it was in my error that this occurred and having opened up an investigation but I am unable to support myself with no amount of funds since they state it can take up to 10 days to investigate this issue. XXXX was removed from my account without a phone call from Citibank and then I went into the bank today only to be told- they could not assist in any fashion. I am protected under the Electronic Funds transfer act and they should protect me from such occurrences.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Settlement check deposited on XX/XX/XXXX by remote mobile deposit. 
Check placed on hold for 15 days to be released on XX/XX/XXXX. Chase claimed the company who released the settlement check out a 15 day hold. 
XX/XX/XXXX Chase claims an ID needs to be shown and funds to be released. Brought in ID to branch, only to find out the account was closed due to fraud. Chase cashed the check, took their {$70.00} that was owed due to overdraft and fees put a freeze on funds of {$2800.00} and will not release the money. Finally found out after 2.5 weeks the reason as to why, The company who wrote the check XXXX XXXX, XXXX XXXX XXXX XXXX did not put their name at the top of the check, instead put XXXX XXXX XXXX XXXX and put XXXX XXXX phone number and address. XXXX XXXX being the employer who was sued, reason why I received the settlement check ) We have spent countless hours on the phone and in person, given the run around, told this would be settled and I would receive the funds back and to wait x amount of days. Only to be told another and denied funds. I have been told that Chase will contact XXXX XXXX XXXX to have check verified and funds released. Only to run into another wall with Chase to be told that it is against their policies since XXXX name and phone number isnt on the check. My complaint is about XXXX XXXX as well, they made an error when writing the check and will not fix the issue. The refuse to file a claim with their bank, to stop payment on check and have Chase release the funds back to XXXX XXXX, so another check can be sent to me. XXXX admitted to us that they have had this issue before with checks not being made out correctly. At this point i am out of {$2800.00}, no bank account since Chase closed the account, and have spent countless hours dealing with this situation. I need a resolution and help doing so.
Consumer complaint received 2022-08-10
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (TX)

Called to do a skip a payment.. it was approved i paid the required fee and was told to sign a paper i would receive within 10 days.. never received the letter so i called and i was told i would have to resubmit the application and that i would not have to pay the fee again since i already paid it well 30 days later my credit gets hit with a late fee and my credit dropped dramatically i called them and Ally said that its because i never paid the XXXX that was due for the skip a payment because the old fee of XXXX was applied to my account but not to the skip a payment so now it put me as XXXX past due and it keeps putting me late.. they are supposedly looking for the conversion where their employee told me I wouldnt have to pay it again since i already did but the executive team ( who I cant for the life of me reach in any way ) told me their associate was wrong but they where gon na look for the conversation where their associate told me I didnt have to pay its been a little over 3 months and no resolve my credit has been affected very very badly due to this i need help.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NC)

I requested a copy of my report from LexisNexis. When I review the report, I was shocked to find as many as XXXX reporting errors, including insurance information, public records, addresses that were not mine and other information that clearly indicate that I was a victim of identity theft. Unlike the credit bureaus, this information was inaccessible to me and the agency is not required to provide an annual report. A family member informed me of LexisNexis, instructing me to request a report.
Consumer complaint received 2022-08-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I have reached out to the credit bureaus about negative items showing my credit report and they have not responded in the 30 day time frame based on the FCRA. 

Account Name : XXXX XXXX XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

XXXX XXXX XXXX XXXX Name : EQUIFAX MORT Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account EQUIFAX CREDIT BUREAU Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Account Name XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Unverified account Creditor Name : EQUIFAX MORTGAGE XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Also, please remove all non-account holding inquiries over 30 days old and add a XXXX Suppression to my credit file. 

Creditor Name : EQUIFAXXXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account
Consumer complaint received 2021-09-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc. (VA)

On XX/XX/XXXX i sent by certified mail to Receivables Management Systems a letter to validate a debt they have been reporting on my Credit Report Since XXXX. They failed to respond to me at all. On XX/XX/XXXX, a dispute was started with XXXX, they quickly verified this account with XXXX and continue to damage my credit with this unvalidated information. On XX/XX/XXXX Received a letter from RMS SAYING THEY NEEDED TIME TO VALIDATE THE ACCOUNT BY REACHING OUT TO THE ORINGINAL CREDITOR, ON XX/XX/XXXX I CALLED RMS AT XXXX A.M TO DISCUSS THIS, RMS CONFIRMED ON THE PHONE TO ME THEY COULD NOT VALIDATE THE ACCOUNT, BUT STILL REPORT THIS HARMFUL INFORMATION ON MY CREDIT ACCOUNTS. I SHOULD NOT HAVE TO CONTINUE TO SUFFER ANY LONGER BECAUSE OF THEIR FALSE REPORTING PRACTICES. I REQUEST THE NEGATIVE ACCOUNT BE REMOVED DELETED FROM ALL CREDIT BUREAS IMMEDIATELY. ALSO THEY SHOULD BE FINED AND I AM REWARDED MONETARY DAMAGES. RMS ALSO LIED AND SAID THEY DID NOT RECEIVE MY ORINGINAL XX/XX/XXXX REQUEST BUT IT WAS SIGNED FOR BY THEM. THEY ONLY RESPONDED TO THE XXXX DISPUTE ON XX/XX/XXXX.
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (MA)

Hi, I try to send {$400.00} in my account from XXXX, in that day I cancelled the transaction and they asking me for a refund, I gave them all my account details, after that they send me an email we paid you refund in XX/XX/XXXX you have the money 10 working days ... ..of course I don't have the money.. yesterday I call them and ask them what happened with my money, they told me money should be in you account, and asking me for my bank statement from XX/XX/XXXX until XX/XX/XXXX to check me if I have the money ... .and after that they told me ohhhh your money should be in that XXXX  bank account... there is know way ... because that account is not a USD account is XXXX  XXXX account ... I can't reserve in there only XXXX  money ... ..I tell them if you said that ..where is the fee which I have to pay for the refund because is considering international tranzaction ... after I told than that they don't answer anymore... Thanks XXXX XXXX
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

the bill was for {$16.00} to XXXX  XXXX and it was paid on XX/XX/2022 check number XXXX and today I receiv ed this transworld systems inc trying to collect the debt reference number is XXXX. 

I have a copy of the check that has already been cashed.
Consumer complaint received 2017-12-28
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: WELLS FARGO & COMPANY (CA)

To Whom It May Concern/ ( CEO ) Wells Fargo Card Services I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft.

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 


Wells Fargo Card Services Account : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA. 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Consumer complaint received 2021-09-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chaplin & Papa, P.C. (MD)

On XX/XX/2021, I spoke with a representative by the name of XXXX at this location and she stated that I had a judgement of more than {$60000.00} for a default judgement that is not in the court system and has never been in the court system. This representative was very disrespectful and let me know that they could do what they wanted because I never showed up in court. I had been improperly served and will be disputing this in the general court system. She also stated that I not taking my responsibilities serious and is the cause of the balance happening. She also included that they can find me and garnish my work checks.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I received a Loan from the SBA, prior to receiving that money, I called citibank to ask them if they were confortable with that money deposited in my citibank checking account and the Agent said YES. 
4 days later, citibank put my account on hold requesting additional information. 
I provided those information and they released my account. 
2 weeks later on Thursday XX/XX/XXXX they put my account on hold again asking me the exact same question. 
I provided all the documents on monday XX/XX/XXXX. 
Citibank told me they will be done reviewing my account on Friday. 
Today Friday XX/XX/XXXX, I called them and they say my account is still under review. 
Honestly i dont know why are they doing that. I filed a complaint at first and received a document from citibank saying the issue was resolved but i dont know why Im still not authorized to use my account