BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated a bank deposit for {$1800.00} on XX/XX/23 from my linked bank account using the Robinhood ( RH ) app. The money was deducted from my bank account on XX/XX/23. I wake up in the morning on XX/XX/23 to a restriction on my RH account which prevents me from accessing my {$1800.00}. Keep in mind this is the only money i have to my name. I transferred it to RH because i trusted RH and never had any issues with RH the XXXX years Ive been using the platform. I received a notice from RH asking for bank statements of bank accounts I used in the past to deposit/withdraw money on RH with. The problem is that the accounts theyre requesting information about was accounts that i had linked to my RH account about 3 years ago and accounts i no longer have access to. I called customer services and the lady basically was telling me theres nothing they can do and that i have to provide the requested information in order to lift the restriction. I requested to close my RH account and she said that i would have to get the restriction removed first. I told her one of the accounts theyre requesting information from is an account thats been closed for years. She told me i would have to get a account closure letter from my bank. Thing is, that account was with XXXX which does not exist anymore. I called XXXX to see if they can help but after giving them my info they told me they don't have any information in there system about my old account with XXXX. How can a company do this? They wait till my deposit is in their system and then lock my account. Why not request that information before i the deposit money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a payment schedule with Citibank for my general purpose credit card scheduled for an amount of {$300.00} on XXXX and received a confirmation email on XXXX stating this is the amount that would be drawn. Citibank drew the full statement balance for {$5700.00} from my account on XXXX without authorization. Citibank posted this as a payment to my statement even though the financial institution who holds my checking account declined the transaction as it would have significantly overdrawn my account. They have charged me a returned check fee of {$30.00} and have sense removed access from the card. I contacted Citibank on XXXX through their online chat and the agent was not helpful and said I can only resolve the issue by calling the bank myself. I then called the bank to address with them their error that was made and asked them if it is legal for them to draw an amount greater than what was authorized and confirmed through email by them ; to which no agent would answer. I demanded they supply to me a copy of the terms of agreement of my auto pay to review. After being transferred multiple times and being placed on hold multiple times as well. I finally ended with an agent named XXXX XXXX employee # XXXX ) who told me he was unable to provide me with the terms and conditions of this agreement. I bluntly asked him if a financial service provider is legally required to provide the terms and conditions of a contract to the consumer upon request and he would not answer the question. I told him that we both know the answer to the question is undoubtably yes and it is clearly stated on the CFPB website that this is a requirement. Ultimately I spent over an hour on the phone with Citibank, who has given me no answer to why they charged a significantly greater amount than what was unauthorized and Citibank has refused to provide me with a copy of the terms and agreements I accepted when enrolling in their autopayment program.

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 2020-02-16
Company: TRANSWORLD SYSTEMS INC
State: DC
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 recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Any automated responses or E-Oscar verification is unacceptable. 

Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant and can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account : XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXXXXXX XXXX-Date of inquiry XX/XX/2021

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 2020-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, between XX/XX/2020 till now XX/XX/2020 Chase and I have been dealing with an unauthorized withdraw out of my account of {$1000.00} in another city. I followed the necessarily procedures in calling my bank in a timely manner like I was informed by my friend who is a personal banker at Chase. They immediately took action by shutting the card down and sending a new one and promising the return of my money as a small portion of it was suppose to go to another bill. I patiently waited for the return of my card and did not receive it until after I got more information from Chase that they were shutting my account down WHILE a claim was under investigation. When this whole situation went down, they recommended I get the law enforcement involved. Not only did Chase close my account with no reasoning, they also decided to decline by claims days later stating that the card that was used has a unique chip code that cant be duplicated. I expressed how my identity had recently been stolen and how I had to go to SSA to obtain new documents and that anything could have happened. They had no sympathy towards my situation and basically insinuated that I was responsible for the authorization of a transaction that I could not have possibly made due to the fact that I was just getting over a terrible virus and hadn't eaten in two days. I was clearly incapable of pulling an act and instead of giving me information on how I could get this claim re looked at it because I am a broke XXXX XXXX who can not afford to just lose {$1000.00} because the bank didn't reach out and ask if it was fraud, they hung up. This situation caused me to be late on a bill because they froze my other funds with them and have delayed their time in sending me a check for my closed account funds. My friend told me that I did nothing wrong except communicate with them and that there is some federal law for banks following bad practices like this. I can't afford to just let this situation go, I deserve to know who took my money and have the opportunity to get my money back. I was told telling my story here may get me the help I need because of some law about not being responsible for these things especially when you are already going through identity theft. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Freedom Mortgage Company
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We are in the process of selling our home, and buying a new one. 

Originally Freedom Mortgage told us about the Covid Forbearance. They said it would not effect us trying to move or sell. I called repeatedly on this topic with them. I had talked to multiple people. They even told me I could stop paying my mortgage. It didn't matter that I was selling my home. The price we owes would just come off the pay off amount at closing. 

Come to find out, none of that was true. I have called repeatedly to fix this problem. We are trying to close on our home XX/XX/XXXX. 

No one will help me resolve the forbearance issue. They keep telling me it will take a couple months. It is not big deal. I can sell my home and buy my new one. My lender is telling me that Freedom Mortgage are lying or don't know the process. We can not have forbearance on our credit report in order to buy or sell a home. It will still say in forbearance on the report. The will forbid us from going further.

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 2021-07-26
Company: EQUIFAX, INC.
State: MS
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:
XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX two unauthorized checks were drawn against my small business account for my company XXXX XXXX XXXX : Check # XXXX in the amount of {$1900.00} and / check # XXXX in the amount of {$1900.00}. The payee was unknown to me, and the check numbers appeared to have been chosen at random, as they had already been issued more than a year prior to other non-related payees. I notified my bank immediately and they agreed to investigate, assigning case ID # XXXX to this matter. Following nine more rounds of correspondence, on XX/XX/XXXX my bank provided me with copies of the bogus checks, stating that they had been force paid via mobile deposit through an account at the XXXX Bank XXXX XXXX. The checks were poor forgeries, including errors in our account number printed at the bottom. My bank took the position that they would have to wait for the fraud department to investigate prior to taking any action. I followed up seven more times, including with the fraud department as well as an in-person meeting with bank personal including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I emailed the XXXX XXXX XXXX XXXX, asking to receive provisional credit of the amount stolen while the investigation is ongoing. The last reply I received from the XXXX branch was We recommend that you follow up with fraud as XXXX and myself are no longer in the loop on this matter. It is clear that after 17 months, Capital One has no intention of taking responsibility for the forged checks they funded out of my account with recycled serial numbers, incorrect account number, and a bogus payee with no history of prior payment. I own a small business and that {$3900.00} loss is significant to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander Consumer USA provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment was {$390.00} as on the sale contract too. but on my XXXX report the monthey payment is {$390.00}. 
Also the terms on the letter & on the contract are 60 months but on my experian report 62 months. 
The address on the sale contract was incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: GA
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:
This XXXX account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. Its paid off and should be removed from my report, its verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. 
Account Details : Creditor : XXXX XXXX  Account Number :, Account ID # XXXX Date of Last Activity : XXXX XXXX Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. 
As per the Fair Credit Reporting Act ( FCRA ), I understand that the credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. 
I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. 
I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX, XXXX, transunion will not remove a fraudulent charge off account that was opened using my social security number. My wallet and tablet was stolen out of my car and later that month a installment loan, along with a buch of inquires for request for credit cards was opened using my social security number. The account was opened XX/XX/2018. Amount {$310.00}. The company is XXXX  XXXX. I have sent them a police report for the fraudulent activity and they still will not remove the negative information. I have been disputing this account for over a year now without any luck. Why am I suffering for someone else 's wrong doing? It's against the law for them to report negative, fraudulent accounts. I need this account removed. Each time I disput this account I ask for some kind of documentation liking this account to me. They always send a letter back verified without any signatures, drivers license, or some kind of contract agreement. I never had a account with these people, nether have I ever defaulted on anything. I have perfect payment history and pay all my bills and credit cards on time.

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 2023-03-27
Company: Experian Information Solutions 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX  ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX  ) the information is, in fact, inaccurate.

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 2022-11-21
Company: EQUIFAX, INC.
State: TX
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:
Equifax is showing 1 account in collection that does not belong to me. I have asked 3 times to get it removed but they dont ablige. 
The collection account is from XXXX  reported by XXXX. Equifax has reported back that there is no such account, but its tight there.

Company response to consumer: Closed with explanation