BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: ROBINHOOD MARKETS INC.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2023 I made a transfer of {$10.00} I made a transfer to Robinhood Financial with the intention of purchasing XXXX and to make sure I could make the transaction successfully. The transaction was successful. On the XXXX of XX/XX/2023 I transferred {$50000.00} to Robinhood. On the XXXX of XX/XX/2023 I transferred {$4700.00} to Robinhood. These funds were to be available to me on the XXXX and XXXX of XXXX to enable me to purchase stocks or crypto assets. On the XXXX of XXXX I purchased crypto ( XXXX  ) for {$50000.00} at the price of {$25000.00} after which I tried sending the assets out of Robinhood to my personal wallet. Error messages came up stating that the amount exceeded how much I could send. When I tried again an error message came up stating my account is restricted from withdrawing crypto at this time. I gave it a 24 hour wait time to retry again but still got the same message. At this time I had {$49000.00} as my crypto assets and {$4700.00} as my cash holdings. This was on XX/XX/XXXX. I tried several times that day but the same message kept popping up so I had to contact support about the situation.I was told that my account was under review and would be processed within 3-4 days max. On the next day ( XX/XX/XXXX ) I got an email requesting my bank statement which I sent them. I didnt get any messages from them until the XXXX of XXXX when I contacted them to ask about the process. I got no response until the XXXX of XXXX when they told me they were waiting for me to send the bank statement. I resent the statement to them. They said it would take 7-10 days. On the XXXX of XXXX I called them again because it was taking too long and because I am a XXXX XXXX  I wanted to make sure that I got my money back. On the XXXX they sent me an email saying they were closing my account with them and they would be selling off my assets to refund the money. On the XXXX I received an email that my stock was sold on the XXXX of XXXX I was told they would be in contact about how I could withdraw the money. I also got another email that my Crypto was sold for {$26000.00}. The market value on that day was {$27000.00}. After that I didnt get any messages from them so XX/XX/XXXX I tried withdrawing from the account but the restriction was still there. I contacted them on XX/XX/XXXX to know when the funds would be available in my XXXX XXXX XXXXXXXX account in XXXX, Utah and was told it would take 15 business days or whenever they got around to it. Meanwhile my bank account was closed at XXXX XXXX XXXXXXXX probably due to lack of funds. I will need to have other arrangements made to send the money to me. I have read stories from others who have had difficulties getting there money from Robinhood and I believe without your help they intend to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed my credit score went down. I checked XXXX and XXXX and saw a collection in my credit report. It is from a collection agency ( AMSHER COLLECTION SERVICES ) related to some XXXX account. I never had an account with XXXX This is either a mistake or an identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : CBNA/BEST BUY : # XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XX/XX/XXXX, XX/XX/XXXX. I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. 

REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX  : XXXX REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX  : XXXX I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. Again please resolve this by removing all late payments reporting on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX asked FFCC XXXX contacted with me for debit collection, XXXX is all conversation with XXXX : I have downloaded all Claim history from XXXX website XXXX stated very clearly what is my responsibility for payment XX/XX/XXXX XXXX my portion is {$3.00}, XX/XX/XXXX my portion is {$380.00} XX/XX/XXXX my portion is {$5.00} Actually I paid whatever they asked me pay on XX/XX/XXXX for {$420.00} by my Master card Please notice On XX/XX/XXXX claim Met life willing not to pay it since no support documentation they requested then Proder push me pay all then I contacted with XXXX millions times alsoseveral times provider, I and XXXX XXXX XXXX person talked together I begged XXXX to pay whatever they think they can pay, after XXXX year Met life paid {$640.00} on XXXXplease notice two things it is my effort to let provider get the money They insisted on not pay since no support documentation provider sent to them, Secondly, As you can see XXXX did not mention my responsibility since no support documentation and also failing XXXX. 
Remember also I have two insurance companies. Not only XXXX got money from XXXX but also they charged my second insurance XXXX as well. 
So I think XXXX should not charge me that kind money at all Total I sent XXXX emails to XXXX she was very very rude I never met such rude person in my life she just repeated same words not listen my voice at all Today XXXX sent a threaten email tome as following sentence : The creditor, XXXX XXXX XXXX XXXX, has signed an Authority to Litigate against your property. Please be advised, if you would like to resolve this issue before it is forwarded to our house Attorney, I can assist you. If this does go to the Attorney you may incur court costs, fees and interest. 
Thus XXXX enforced me to pay {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ON DATE XX/XX/ I SENT A LETTER TO MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX # XXXX TRACKING # XXXX FOR VALIDATION OF THE DEBT. THEY REPLIED TO MY LETTER ON XX/XX/XXXX  WITH A LETTER " RESOLVE YOUR LEGAL COLLECTIONS ACCOUNT ''. THEY GAVE ME 3 OPTIONS TO PAY BUT THEY NEVER SENT ANY DOCUMENTION SUPPORTING VALIDATION OF THE DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was out of the country since XX/XX/2021 and could not return due to XXXX. When I returned a few weeks ago, I found out my bank XXXX no longer exists in American and I involuntarily banking with Citizens bank. I wasn't able to receive any notifications because the country that I was in block websites like XXXX and XXXX where I have my emails with. The bank product that Citizens assigned me without my consent is so awful, not only that no interest is given to me, they stole my money by charging me maintenance fees and service fees, while there was no service provided. The bank frozen my money, after I reactivate it, they only refunded a portion of the fees. I am at XXXX fault and I do not consent to any of the fees nor the account type that they assigned, but the bank just kept saying " this is bank policy '', and refuse to be fair and reasonable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I was contacted by a debt collector and they claimed I am responsible for a debt with a cable company. I told them that I dispute the alleged debt and that all further correspondence with me shall be put in writing. Then on XX/XX/XXXX the debt collector called me again. I reiterated that I am disputing the alleged debt and that all further correspondence with me is to be put in writing. On XX/XX/XXXX, I received the first written correspondence from the debt collector. 
On XX/XX/XXXX, I responded back to the debt collector, in writing that I was disputing the charges and asked that they provide me with a " valid basis for the debt, such as the original contract between me and the original creditor. Tell me the date the debt became delinquent and the date the last payment was made. '' as well as all invoices for the past several months where ongoing service charges, late and restoration fees were being applied to my account. 
The debt collector only provided me with the last invoice from the cable company. 
In a subsequent call with the debt collector on XX/XX/XXXX, the debt collector agent told me that I had to pay the debt otherwise they would negatively impact my credit score even though I had told them that I was disputing the debt and had done so in writing within the 30 days for receipt of written communication with the debt collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didnt authorize any or these inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Purchased an Xbox financed by Citizens One in XXXX XXXX. Returned the XXXX after a couple of days. Loan was supposedly closed out. XX/XX/XXXX I received an alert that one of my credit accounts was in derogatory status. Per credit report, account was never closed. Called Citizens One, they claim they told the credit agencies to remove derogatory remark ( because they claim they didnt even know why it was there ). Now all of my credit scores and reports have taken a huge hit over the derogatory account status. Not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I opened a  XXXX   XXXX  in  XXXX  of  2017 . Upon reviewing my hard inquiries, they did two credit checks on   XXXX /17  -  one  with Experian and one with   XXXX  . I was told that there would be one hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When Nelnet took over my Great Lakes balances, they stated they would not issue account statements without payments. After a manual payment, Nelnet refused to provide a statement. Contacting customer service and other 'contact us ' options led to no response or an immediate closing of the issue with an automated email. 

The manual payments never posted nor credited my account. I do not know where that money has gone. 

The statements were required to continue an employer benefit for loan repayment. Nelnet refused to provide statements, and I was unable to receive my employer benefit. Nelnet 's refusal to provide an account statement has personally cost thousands from missed employer payments over multiple months. 

When Nelnet finally created a statement, my employer applied benefit was not posted to my account. I do now know where that money has gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reached out to Experian on XX/XX/XXXX in regards to inaccurate information on my report that was not validated. I let them know that I reached out to the furnishers like the told me to, but the furnishers failed to investigate and failed to validate as well. Experian did not complete their investigation in XXXX days and I still have not received the results. They and the furnishers are violating the FCRA by not conducting their investigation in XXXX  days and continuing to report inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: Genesis FS Card Services, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX, Account numbers : XXXX, XXXX, XXXX, have violated my rights. 15 USC 1681 Section 602 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I opened a  XXXX    XXXX   in  XXXX  of   XXXX  . Upon reviewing my hard inquiries, they did  two  credit checks on   XXXX /17    - one with   XXXX   and one with Transunion. I was told that there would be  one  hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a customer of Bank of America and its predecessor banks for over XXXX  years. I opened a business account over the weekend. I made my initial deposit of {$1000.00} over the weekend. They informed me that my funds will not be available until XXXX  XX/XX/23. 

This is a violation of Reg CC. I have attached a copy of the check. As you can see it is a pre-printed check drawn on XXXX XXXX  out of New York. There is no reason I should have an extended hold time in violation of Reg CC as I am an existing customer ( They verified my personal information at the time of account opening so they know this ).

According to Reg CC, the first {$100.00} of this deposit should be available to me XXXX  morning. The remainder of the funds should be made available Wednesday morning. I base this on your Board of Governor 's web site [ XXXX XXXX XXXX XXXX Section XXXX " Availability schedule States that proceeds of local and nonlocal checks must generally be made available for withdrawal by the XXXX XXXX XXXX business day following deposit, respectively. '' Therefore, a New York check is considered local to XXXX  Massachusetts and should be available XXXX.

Further, Section 229.13 Exceptions, lists the only reasons a bank could make an exception to this policy. Non of those exceptions applies to me- especially as I am a customer of 33 years.

Further, Section 229.10 ( c ) ( 1 ) ( vii ) clearly makes the first {$100.00} available the next business day so I want {$100.00} of this deposit available XXXX  XXXX  ( XX/XX/23 ). 

" the depositary bank must provide next-day avail ability for withdrawal of the lesser of {$100.00} or the aggregate amount deposited to all accounts, including individual and joint accounts, held by the same customer on any one banking day. '' I want you to force them to make my {$100.00} of my funds available XXXX  XXXX  ( XX/XX/23 ) and the remaining funds funds fully available on XXXX XXXX XXXX XXXXXX/XX/23 ) and fine them for not doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief