davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (GA)

XXXX, XXXX XXXX and Experian are reporting an account with misleading information. After I reviewed my credit report online these XXXX bureau have XXXX accounts named ( XXXX ) and ( XXXX XXXX ) that is reporting false information. XXXX is reporting this as an installment loan and I never applied for an installment loan with this company. Underneath is the account information off my credit report from three bureausXXXX XXXX and Experian is reporting a different account type for XXXX. The account named ( XXXX XXXX ) is reporting different account types on my reports. Please delete ( XXXX ) and ( XXXX XXXX ) from all my credit reports immediately. 

Experian 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 XXXX XXXX XXXX EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (AZ)

I have had several issues with the robinhood platform starting with XXXX XXXX outing on XX/XX/XXXX Robinhood had an outing that of which cost me at least XXXX dollars based on the trajectory of stocks that day that I intended to buy in, and sell out on. 

I brought this to Robinhoods attention, at one point via phone, they promised me a free Robinhood gold account, I at the time declined. 

around mid XXXX, my account was suddenly switched from a CASH account to an instant settlement account upon applying for options trading. I was never notified nor was it disclosed. 
At that point, I contacted Robinhood on several occasions, via email. 

they failed to respond promptly much less at all on several Ocassions, only to finally help me get it back to a cash account after loosing several hundred dollars. 

I let it go, despite asking for the robinhood gold in which they then refused and stated despite the outing they could not do anything about it. 

XX/XX/XXXX rolls around, I apply for ROBINHOOD GOLD trial. 
Yet again, without being notified or it being disclosed I was switched to a INSTANT TRANSFER account, not a cash account. 
I traded, and built up my limitation which then was looking at a 90 day trading ban if I were to continue trading. 

At this point I was stuck with bothXX/XX/XXXX and XXXX stock which peaked significantly higher than my buy price, but it gave me an error stating I was facing a ban, which is why I first realized I was no longer a CASH account, again without my knowledge. 

at this point I contacted customer service and they stated my funds will finish the XXXX and I could have it switch. 

the XXXX came, they said my funds were pending even though I showed none, as of now I tried to sell my XX/XX/XXXXand XXXX stock, but it gave an error stating I was still looking at a 90 day trade ban. 

I contacted them again and never received a response. 
the day after I received a message requesting my phone number for a call back in which I received. 

When he contact me I explained my very frustration and he promised my funds were clearing the XXXX and it would be put into a cash account at that point. 

no transactions were done other than a cancellation. 

today it stated my transactions are complete and still will not let me switch to a cash account. I have sent emails the XXXX, with no response today. I have sent emails today demanding a response with no response today over 30 hours later. 

This is a disgusting experience that has costed me thousands.
Consumer complaint received 2021-10-07
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: DISCOVER BANK (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX STOLE THOUSANDS OF DOLLARS FROM DISCOVER DOING CHARGE BACKS. you name it restaurant food, expensive trips to XXXX XXXX, XXXX, XXXX XXXX, designer purses, and this all dates back years she is a thief surveillance tapes will show her making purchases. DISCOVER choose to ignore this
Consumer complaint received 2022-08-22
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: CITIBANK, N.A. (TX)

I called for my Home Depot Store credit card for adding my spouse as authorized user. I also asked them to increase my credit limit from {$500.00} to {$1500.00}. Why this credit limit is showing up on my spouse 's credit profile or SSN? 
Called Home depot today morning. When wanted to talk to the supervisor, the call was deliberately dropped.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NM)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX _________________________________________ TO : Equifax Information Services LLC XXXX. Box XXXX XXXX, Georgia XXXX CC : Consumer Finance Protection Bureau Consumerfinace.gov XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NM XXXX, Phone : ( XXXX ) XXXX XXXX : Acknowledgement of Equifax XXXX to Complaint : XXXX DATE : XX/XX/2019 To Whom it may Concern ( Once Again ) I had asked your company on over 10 occasions, as well as, in my original complaint and the certified letter I sent your company to please permanently lift my credit freeze. Once again THIS WAS NOT DONE? 

BOTTOM LINE : HOW CAN I UNFREEZE MY CREDIT FILE WHEN EQUIFAX SAYS I DO NOT EVEN HAVE A FILE? 

As my original certified letter indicates, your computer systems and customer service representatives have not been helpful to lift my credit freeze. Even writing you a certified letter and making a complaint with this government agency did not help. Remember, you are the folks that allowed my information to be stolen. You are once again becoming a hinderance to my purchasing a XXXX for my family. 

In your Corporate response you maintain I have no credit file and that you are unable to locate a credit file for one of the following reasons : a. may not have a current file, b. may not have applied for credit recently, or c. you have not actively used credit in the past ten years, or words to that effect ( see attached Equifax letter, XXXX, XX/XX/2019 In contrast, my Loan Officer ( see below email cut and paste ) states the following : XXXX XXXX XXXX XXXX AM ( 2 hours ago ) Yes, I know but Im just not sure what to do. All I know is that I can not process your information through XXXX XXXX or XXXX XXXX automated underwriting system until the credit report no longer reflects your Equifax score is frozen. 

XXXX XXXX : XXXX ID # XXXX. XXXX ext XXXX. XXXX. 
XXXX. ( XXXX fax ) __________________________________________________________ _____________________________________________ XXXX XXXX XXXX XXXX SWORN TO AND SUBSCRIBED BEFORE ME, THIS DATE, IN XXXX XXXX NEW MEXICO. 

XXXX XXXX XXXX Expires : XXXX XXXX
Consumer complaint received 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (AZ)

The collage I went to ( XXXX XXXX ) is no longer accredited nor did anybody receive their diploma. The loan has tacked on so much interest and the school is no longer. I feel that the whole loan should be forgiven due to the severity of it.
Consumer complaint received 2021-10-07
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Comerica (MD)

As of XX/XX/XXXX, it was XXXX in my account on direct express from ssi. I called on 6 I was told that someone had my information and made purchases. I was transferred to someone else who was to start the refund process. I was on hold for a hour then the phone disconnected. I called 3 more times and each time phone was disconnected. It sounded like someone picked up and hung rite up again.Ok called today I canceled the old card and had them issue another card. That person transferred me to someone's else who told me to go back to main menu reenter my ss number. Because the old card was canceled all they say was I get a new card in 7 to 10 days call disconnected.
Consumer complaint received 2021-10-07
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: VW Credit, Inc (TX)

Trying to dispute and remove this {$44000.00} for VW credit opened on XXXX of 2021, which is fraud and Id theft have tried to clear up with volks wagon financial but they wont give me info on fraud
Consumer complaint received 2022-09-20
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. (FL)

Account Name - XXXX Account Number - XXXX In accordance with the fair credit reporting Everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.SC 1681 Section 602 A states I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response about the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2023-03-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I have a personal account with JPMorgan Chase Bank in XXXX, California. 
On XX/XX/2023 I did a Global Transfer to XXXX, XXXX XXXX, using a Chase Bank in New York as an intermediary. I called several times Chase because the money did not reached the destination. Every single time that I called the The bank reps kept transferring me to to a different rep because NOBODY knows or have an answer. On XX/XX/2023 I decided to cancel the transaction and requested to have my money back. Again I have to talk to at least seven people and every time I had to explain the same with no answer. On XX/XX/2023 the last person that I spoke with said that I have to submit my request of cancelling the transaction using a " secure messages '' login in to my Chase account. The responses of he system are " We received your request and we will have an answer in 24 hours. I check the messages every day there is no answer from the bank. 

These are the answers from the BANK : XXXX XXXX We received the message you sent us on XX/XX/2023. 

Here 's what will happen next : - We'll respond to your message within one business day. 

- To protect your account, we'll reply in the Secure Message Center. You'll need to sign in to chase.com or the Chase Mobile ( R ) app ( 1 ) to view our response. We'll email you to let you know the message is available. 

We're here to help. If you have questions, call us at the number on the back of your card. We accept operator relay calls. 

Thank you for choosing Chase. 

( 1 ) Chase Mobile app is available for select mobile devices. Message and data rates may apply. 

The account is under XXXX Acct # XXXX Transaction date : XXXX XXXX Amount : {$21000.00} US Dollars Personal Account Outgoing Wire Issue : Transfer was made XXXX, XXXX, 2023. Money did not get to the final destination. I cancelled the transaction. I called Chase several times and there was zero answer regarding MY MONEY. I need my money back ASAP.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (IL)

On XX/XX/XXXX, I deposited an escrow refund check from XXXX XXXX XXXX XXXX  into my TCF checking account. 

The teller deposited my check, I withdrew {$300.00} from the {$2000.00} total and left the bank. 

Within an hour, my bank account dropped to - {$810.00}. I called the bank asking for an update about what could possibly be going on with the funds? They said that there was a " double hold '' on the account and that by the next day the remaining funds should clear as my available balance was {$1700.00}. 

Later in the evening, my account we down to - {$2100.00}. ( More than what was even deposited. ) My account was then frozen for the week. I was sent 3 different pieces of mail. One piece said that my account had been overdrawn by $ XXXX and that I would be facing overdraft fees. 

The next piece of mail said that the bank has placed a hold on the deposit because " it had confidential information saying that the check would not be cleared for deposit. '' But, that the funds would be available on XX/XX/2020. 

The last piece of mail was a " stop payment '' slip from TCF in the amount of {$2000.00}. 

I went to XXXX XXXX XXXX XXXX  and asked them if they stopped payment on the check. They did not. I did not stop payment on my check and TCF claims they did not stop payment, but to go back to the issue to ask. I did. They didn't stop it. 

I received a bank statement showing that {$2000.00} went into my account and {$2000.00} went out of my account. 

My account isn't shut down. I haven't been flagged for fraud. No one reported the check as fraudulent. 

I have had to go into TCF every month for at least 6 months to complain about overdrafts/unauthorized charges/miscalculations/money being deposited but taken out of my account for services I already canceled, etc.

Everytime, I received a placated answer from bank employees that literally turned my issues with the bank around on me ; ultimately making it look and sound like I just couldn't manage my finances or add correctly.

I'm done, TCF. Where did the funds from my deposited check go?
Consumer complaint received 2021-01-30
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: XOOM CORPORATION (TN)

XXXX XXXX XXXX  EST I received an email notifying me of a fraudulent money order transaction charged and processed on my debit card for the amount of {$450.00}. 
Upon inspection, it was made by the company Xoom.com by XXXX. I called to report that this was not me. I do not have a Xoom account. I wanted to know when, where, and how this transaction went through, but the company states they can not give me the information. All they offered was to debate the transaction. I agreed and asked them to send me an email or paper stating that I have a case # so I could follow up the scam. They refused to send me any kind of follow up email, but I recorded the call as proof and for my protection. I have tried reaching them through social media as well to have my case given the proper attention it deserves. I have had my bank notified of the fraudulent activity as well. 
All Xoom customer service stated was that they will restrict the recipient of the money order from further using their company but that does not return or guarantee my stolen money back. I asked for advice from a family friend police but havent reported it yet.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank handles credit transactions for a number of gas stations and retail stores. I enroll in auto-pay with them ( an all my accounts ), but it seems every year they cancel my auto-pay, wipe their records, showing all my online payments as " one-time payments '', and attempt to charge me a late fee. Every year I call and they are very quick to refund the late fee - no questions asked - and I re-enroll in auto pay. 

I suspect that Synchrony is engaging in " digital check shredding '' in order to collect fees from their customers. This should be investigated by the appropriate authority.
Consumer complaint received 2018-02-09
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: DISCOVER BANK (PA)

I was XXXX from XX/XX/XXXX - XX/XX/XXXX and while XXXX  someone used my identity to open up a DISCOVER credit card on XX/XX/XXXX. The account charged off in the amount of {$720.00} and is still reporting negatively on my credit report. I have fought with DISCOVER & all 3 credit bureaus to try to resolve this issue since XX/XX/XXXX. To date XX/XX/XXXX they are still saying its verified as mine. This is so wrong. I'm a man trying to get my life back together and really did not do what they are claiming " I '' did and its ruining my life. I keep getting denied for everything. I even sent proof of my final discharge paperwork. Please help me rectify this problem that is giving me XXXX XXXX
Consumer complaint received 2021-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (TN)

XX/XX/2021 Discover Bank called me to alert me about suspicious activity on my checking account via mobile deposit. After confirming that I did not make an attempt to deposit the item for {$2300.00} the agent recommended closing the account & opening another. I explained that a deposit from TN department of labor was due to be deposited the next day for {$3600.00}. The agent ( XXXX ) then said that she could freeze the existing account & wait to close it until after the deposit. I agreed. I called to follow up yesterday as the deposit hit as expected. The agent I spoke to was unable to close the account due to items not fully posted. I was instructed to call back today. I called back today & not only am I not able to open a new account. The agent closed my existing account & will not return my money. 
The balance prior to the {$3600.00} deposit was {$130.00}. My total funds due to me are {$3700.00}. I expect this to be expedited immediately as this is work compensation & federal funding. I do not care to do business with them anymore, they can close whatever they want. I want my money immediately. They can not garnish my money & do not have a court order. Since I no longer have access to the account I can not see what is being done with my funds which are exactly that, my funds.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (TX)

i have contacted XXXX  on several different occasions to remove this information because i went to court twice and showed proof to the judge and he dismissed the case in my favor that i owed this apartment complex nothing now i have a pending lawsuit against them. XXXX  is the only credit company that has not remove this from my credit report stating that it is accurate.
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (SC)

I have previously told this company that the debt in the amount of {$130.00} is not mine and stems from fraudulently using my personal information. The company acknowledged my claim in the past but for some reason decided to once again place this amount of {$130.00} in my credit file/report at the credit bureaus. I have never had an account or did any type of business with XXXX XXXX. I have contacted Enhanced Recovery Company to inform it that this debt is not mine, however the company refused to pay me any attention or try to help me in this situation. Additionally, this company claims that I opened this account in XX/XX/2019. Not only is there inaccurate information, but this company directly contributes to the act of identity theft that was commuted against me by placing this debt in my credits file/report at the credit bureaus. It seems as though the company re-added this debt to my credit file/report in a sneaky manner and out of the blue, thinking that I would not notice.
Consumer complaint received 2021-11-04
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. (GA)

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP A MOBILE PHONE ACCOUNT, A PERSONAL LOAN, AND INSURANCE IN MY NAME WITHOUT MY KNOWLEDGE. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED EUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.