BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: ROBINHOOD MARKETS INC.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1- I opened robinhood spending account, brokerage account, and roth IRA in XXXX of XXXX 2 - On XX/XX/XXXX at XXXX I received an email from Robinhood with subject line " We received your message '' - ( I did not send any message to prompt this ) 3 - Shortly after email received noted above, I received another email also at XXXX stating that my accounts have been suspended, and I am not allowed to make any withdrawals to any of my linked accounts. 

4 - I had set up my employer to direct deposit a portion of my earned paycheck into my Robinhood account and was not allowed to access the money I counted on for day to day spending. This money was not accessible to me during the " investigation '' process. 

XXXX - I assert that Robinhood 's resolution process put me through undue burden and duress. I was forced to provide a bank statement for an account that was closed in XXXX of XXXX, copy of driver 's licence, and multiple calls made without adequate explanation or resolution. ( I was told they couldn't tell me the reason that prompted the whole ordeal in the first place ) 6 - Above issues were MOSTLY resolved after an incredibly frustrating process, however Robinhood still will not release/make available the funds that still remain in my roth ira account XXXX They have asked for a bank statement which was provided over a week ago. Then they asked for a copy of my driver 's license. It has been over a week since both were sent in, and no follow up from Robinhood. 

7 - I submitted 4 requests for customer support today through the Robinhood app. The first two requests got cancelled from their system and I wasn't called back. My third request for a call back resulted in a message on the app saying that the team I need is only accessible via email, and that I had to reply to an email he was going to send. 4th attempt at a call back resulted in someone calling back from the options trading team, who again said the team that could help me is only accessible via email, then became annoyed with me when I was asking how long it would take to hear back from them, and then he threatened to lock my account for being an irate customer. 

Not only have they effectively taken my money hostage, but they are making me jump through hoop after hoop without even telling me when they'll get back to me, or not even replying at all. How can a financial institution actually dodge a customer 's phone calls?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: UT
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: FIRSTBANK PUERTO RICO
State: PR
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:
I have a mortgage loan # XXXX with Santander Bank in Puerto Rico. Firstbank purchased Santander Bank a few months ago and when they did, they messed up the reporting of the loan to the three credit bureaus and because of their mistake they caused significant damage to my credit scores, reducing them by 48 and 52 points. I have tried by all means to get the bank to correct their mistake, but even though they wrote to me saying they'd fix it, they never did it. They just don't understand how to change the status of an account that they already closed ( they closed the Santander mortgage account and opened a new one under the Firstbank name ). I've tried to explain it to them over and over again, but their staff lack the necessary knowledge to correct credit reporting errors. I am in the process of buying a new home in Florida and the mortgage bank pulled a new report this month, and because of the 52 point reduction in my score, they increased the interest rate on my loan. Firstbank has caused me irreparable damage through their actions. They also haven't complied with federal laws that regulate how banks must handle and fix credit report errors. They were supposed to fix their mistake no later than 30 days after being informed of it. I am pretty sure this mistake happened with most of Santander Mortgage customers who took advantage of Covid-19 forbearances, some of which as of this day have no idea their credit score has been affected negatively by Firstbank. I know about it because I pay a monthly fee to XXXX  for credit monitoring. But most XXXX XXXX  don't monitor their credit. The mistake in the reporting by Firstbank has to do with the fact that they reported incorrectly Covid-19 forebearances as " not more than two payments past due '' and/or " 30 days past due '' in the payment status. This is illegal because the CARES ACT explicitly says that if a loan was current when the forebearance agreement was finalized ( and mine was ), the creditor needed to continue to report the loan as being paid on time or being current during the forebearance period. I include copy of a letter from Firstbank where they acknowledge their error and let me know that it's been corrected ( it never was ). I also enclose a copy of my most recent credit reports from XXXX and XXXX that show payment status as " not more than two payments past due '' and " 30 days past due ''. This is the line that they need to correct to " Pays account as agreed ''. PLEASE SEE PAGE 26 of XXXX  CREDIT REPORT where the only red alert in the report is shown. In the XXXX  REPORT the account also shows incorrectly a payment status of 30 DAYS PAST DUE. PLEASE SEE PAGE 21 OF XXXX  CREDIT REPORT where the only red alert in the report is shown. I also include screen shots of the XXXX  page where the 48 and 52 points drops in my scores are shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: REVERSE MORTGAGE INVESTMENT TR
State: OH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I am the executor of my mothers estate who passed away XX/XX/19. We sold her home and closed on the loan XX/XX/19. She has a reverse mortgage. The bank that closed the loan has been trying to get a payoff from the reverse mortgage company since XX/XX/19. At first they told the bank it would take 5 days but when the bank contacted them again today they said it would take 10 days. Now they are going to have to request another payoff XX/XX/19 and wait another 10 days. Every day longer they take costs the estate more money. They should not be allowed to drag their feet like this.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-09-08
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a loan which I learned to be a PREDATORY LOAN from Santander on XX/XX/2019. I decided to look to see if all was true and come to find out... they have only counted under {$400.00} as paid and I've paid over {$4000.00}. A massive lawsuit has happened and I feel they gave me a predatory loan and I want loan forgiveness, a waiver of deficiency for my title release to me and my credit report to not be harmed by them. They know my internal score was too low for the predatory lending they was offering. I need help urgently as a XXXX single mother struggling to now pay my car payments and they denied me extra time. Please help me; please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: ABSOLUTE CREDIT  LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: World Acceptance Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Was aghast at paying 66 % interest. I decided to pay the loan off within 25 days, yet was charged {$100.00} in interest and service fees. Local clerks and managers at the local store only referred me to their manager and refused to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: VA
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:
I filed a complaint in XXXX for XXXX XXXX XXXX and it has not be responded too. I have sent letters to XXXX XXXX XXXX  and to all 3 credit bureaus and have not received a response. It is obvious this company is committing fraud and list erroneous things on my credit reports. 

My initial complaint is as follows : In XXXX on XXXX  I refinanced my home loan from XXXX XXXX XXXX to a new lender, XXXX XXXX XXXX XXXX. My closing date was set for XX/XX/XXXX  and payment for payoff was sent to XXXX XXXX XXXX on XX/XX/2023 ( a XXXX  ) via a wire transfer. XXXXXXXX XXXX XXXX sat on my payment for almost 2 weeks and listed my payment for the month of XXXX as " Past due over 30 days '' on my credit report. That erroneous status has dropped my credit score of over 150 points. I have attached documentation from my closing disclosure that shows when the payment was sent. I has also attached my conversation with my new lender that shows the payoff amount was sent when it was. It seems as if XXXX XXXX XXXX is practicing some shady business as a vendetta for loss of business. I am not sure if this was a mistake on their part or plan to ruin my credit since I took my business elsewhere. I would like the status of " past due over 30 '' and the late payment removed from my credit profile ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card thru Citibank on XXXX XXXX I agreed to a payment plan of {$57.00} to be automatically drawn from my checking. I have had the auto payments taken out but still received numerous collection and emails I was past due. After calling 3 months in a row they said yes I am on a payment plan and they would have to escalate this and get my account fixed I wouldnt owe any of the interest or Late fee charges. They still have not fixed this. It has been reported each month to the credit bureau that I am late and missed payments which then resulted in my credit scroe dropping 21 points each month and just continues. This is absolutely disgusting how it takes this many phone calls and months for them still to get my account correct.

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 2023-07-13
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2021-06-04
Company: Winklevoss Exchange LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I have an account with Gemini XXXXLC crypto exchange. 

With no reason, I am not able to access my account with money worth of {$40000.00}. 

I have tried to contact XXXX without any response. 

Please can you help? 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have XXXX XXXX and XXXX there are over 15 inaccurate things on my credit in was XXXX  from XX/XX/XXXX, until almost XX/XX/XXXX, so all my stuff that's on those years were not me I had a fiance at the time who I knew could and would have done all kinds of stuff including spending all money in my XXXX XXXX selling my car, etc XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a new flood insurance and was given to the company weeks ago this is a new loan with new flood insurance, on XX/XX/2019 Loan Care received the information and has not updated my monthly payment which is to be lowered. My mortgage is due in 2 days and still no new monthly payment. I have reached out to Loan Care many many times and still no conclusion. I also sent a request through Loan Care website as instructed to by a representative of Loan Care. Have been told it will be updated by XX/XX/2019 and as of today XX/XX/2019 payment has not been updated.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXXXXXX 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 XXXXXX/XX/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 explanation
Consumer complaint received 2021-12-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with Chase. I am having trouble sending an XXXX payment to my son. I keep getting locked out. I have spent four hours on the phone with Chase. I wait for long times to speak to someone and when I do there is a long process to " qualify '' me. Some agents quality me and some don't. Some refuse to let me speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Financial Business and Consumer Solutions.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is FBCS Financial Service was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, FBCS Financial Service failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) FBCS Financial Service failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FBCS Financial Service is  held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FBCS Financial Service is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this  collection account to be removed from my credit report. XXXX XXXX XXXX # XXXX**** has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: SC
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX has still not been deleted from my reports.

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