davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CT)

Filing a complaint against Robinhood for restricted access to my account, preventing me from withdrawing my available funds, and the inadequate response from their customer support team.

Robinhood restricted my account on XX/XX/year>, claiming suspicious login activity on my account. I explained to them that I was using a VPN, which likely caused this issue. Despite my explanation, they requested that I submit utility bill with my name and address to verify my identity. I provided the requested document on multiple occassions but each time it was rejected without give any specific reasons, and they proceeded with the restriction. 
I have reached out to Robinhood multiple times via email ( XXXX ), explaining my situation, but I have only received automated bot responses and most of the times just been ignored. 

I am seeking the CFPB 's assistance to urge Robinhood to ; 1. Review my documentation thoroughly and accept it as proof of identity Although I have changed my address on Robinhood previously, they're still reporting my old address on the monthly statement. This is most likely why the submitted documents got rejected but they didn't provide any reason so I can't confirm 2. Restore access to my account and allow me to withdraw my funds Current balance : {$2000.00} determined by daily stock market price. Funds invested in XXXX XXXX. Provide a direct and responsive customer service channel to resolve these types of issues efficiently. 

Thank you and I am counting on your support
Consumer complaint received 2024-10-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (SC)

I entered a contract with Santander Consumer USA and then did a refi with the my credit union. They have mailed me a gap refund check and an overage payment but have not refunded my Service Contract Warranty. I have reached out to the dealership and was informed that Santander received a check on XX/XX/year> but Santander has not refunded me all of my money only the gap and overage payment was received. I have called in several times and keep being told to wait. I am tired of waiting I want my money NOW
Consumer complaint received 2024-10-23
Product: Credit 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: GOLDMAN SACHS BANK USA (OH)

Unfortunately, i have no access to transaction dates regarding this disputes filed as my account has been locked with Apple Card and i can't access any of my previous transactions and related account information/correspondence. All that I know is at one point there was numerous account disputes made on this account for transactions i either did not make or where the service/product was not delivered. The disputes were filed and the balance was restored to {$0.00}. The account was then closed per my request. Sometime after the account was closed and without any communication back to me, these dispute/fraud credits were reversed and the corresponding amounts were applied to my balance. There was no notification sent to me about this and no supporting documentation regarding why this occurred or requesting my assistance in resolving any of these disputes/fraudulent transactions. I've since learned through pulling a credit report that there's balance of {$4800.00} on my account and after speaking with Apple Card 's fraud department today they said all they can do is reopen the disputes for another investigation. I asked if they could just send me the findings or past notifications regarding this matter and they stated they could not. I then asked why there would be a change in the findings from the initial investigation if they reopened these again. They stated there likely wouldn't be any change. At this point, i wasn't sure what more to say or do beyond asking them to escalate internally to address this matter. They stated they were the last point of contact but they would file a " complaint '' and someone will reach back out to me only if there's something they can do. Otherwise, no outbound communication would be made. I advised them of my awareness of the following findings and they said they couldn't comment or assist with this matter any further. 

https : XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but due to a clerical error on the part of the creditor, it was recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP (GA)

The said representative of XXXX XXXX files a lawsuit against on XX/XX/2024. No notification of lawsuit was given to me. Additionally, I requested validation on XX/XX/XXXX and mailed by certified mail. The representative of XXXX XXXX mailed their response on XX/XX/2024, the same day the lawsuit was filed. I received the response on XX/XX/2024 by USPS. I was not given the opportunity to confirm validation, request verification or dispute their response as a lawsuit was filed the same day their response was mailed out. please see attached photo showing postal stamp of date their response was mailed and date the lawsuit was filed. 
I was also given insufficient validation as I was not provided the account number related to the debt they are trying to collect. I also requested proof that I made the transactions myself documents with my personal signature documents confirming consumers are responsible for transactions related to identity theft and/or scam a copy of the agreement between the creditor and collector proof the collector is licensed to collect in the state of GA, date of license include license number, the name on the license, AND the name, address and telephone number of the state agency issuing the license. 

None of the requested information was included in their response to my request for validation.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've submitted multiple certified letters to XXXX, I was told that they did not receive the letter countless of times when I have time stamps showing it was received I was told by an agent at XXXX that they do not investigate any disputes their is Hard inquiries on my report that I did not authorize and every time i send XXXX a letter they claim they never received it
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified items stated below continue to report on my credit report in violation of federal law despite numerous written requests. The 3 credit bureaus never responded to my letter, which I sent to them. In line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), this items must be verified. I will file a lawsuit against them if they refuse to verify these items. So that this situation can be rectified as soon as possible, kindly abide by the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2021.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made the payment on time, but it was incorrectly reported as late due to a processing delay by the XXXX XXXX. I have attached my bank statement showing the transaction date, which clearly indicates the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

I Had purchased my house and have a mortgage with XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. XXXX sold the loan to XXXX XXXX, XXXX ( Lakeview loan Servicing , LLC on XX/XX/year>. 
I did refinance my loan with another lender on XX/XX/year> and on XX/XX/year> my new lender paid XXXX XXXX mortgage fully and I were supposed to recive my XXXX balance in the amount of {$5600.00} after 15 days. 
I called XXXX XXXX  after 20 days and ask about my escrew and they said that they will issue the check to me and mail it and i should get it in the next 5-7 days. 
It has been 83 days and I di n't recive my escrew amount from my previouse mortage servicing XXXX XXXX XXXX

They Lie to me and what they do is a deceptive behavior and unhonest practice of holding consumer 's money and use it for their own benifits without my consent or any legit reason. I were supposed to get my escrew account after 15 days when they received a full mortgage payment from my new ll ; ender! what they did until this moment is not an acceptalble behavior from a mortgage compay and someone must be held accountanble for wasting my time and holding my money! 
logged in to my online portal and it said that they issued the payment to me on XX/XX/year> BUT this is NOT TRUE! 
I need to know why this compay did that, and to be punished by the law to the fulliest and they help accountanble for theior reckless behavior with consumers!
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (AZ)

XX/XX/year> I received notification from my XXXX credit monitoring service that a indigo XXXX that I closed several years ago had new activity and was reopened. I logged into the account and it showed a {$3.00} monthly fee on an account with a XXXX balance. I called the customer service line XXXX and really was not able to get much assistance or explanation as to why I was being charged a monthly fee for an account with no balance, and for an account that was previously closed. She tried to explain something about new terms and conditions but this made no sense given the fact that the credit card should have already been deactivated.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (TX)

Mosaic sending me emails regarding a loan which was never received. I've addressed this with them previously. They acknowledged they had several complaints of the same nature through XXXX and XXXX XXXX XXXX companies. Mosaic asked if I had signed an agreement for a " credit check '' which I had. Mosaic said this was a trick being used by XXXX and XXXX XXXX for loans. I've never seen anything on a loan, never received money/check/etc. and have never received services or a product. I do not know how much that loan is supposed to be for however I've received an email stating " In order to reach you XXXX XXXX XXXX, the balance must be at or below $ {$32000.00} by XX/XX/XXXX. Your current balance ( as of XX/XX/XXXX ) is {$18000.00} '' And then it goes on to list interest rate of 4.2400 % and that the monthly payment is XXXX. XXXX and XXXX XXXX  disconnect me each time I've attempted to call regarding this matter and Mosaic stated I must deal with XXXX and XXXX XXXX despite the fact we've never even seen this loan.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC (TX)

Late XXXX I experienced theft from various areas that were a result of stolen cards and Identity Theft XXXX ( which has been reported on here ) that resulted in the theft of {$290.00} from my Dave Spending Account through XXXX ; however that is not my Account - there have been fraudulent XXXX Accounts currently struggling with as a method of theft this year. I have not given authorization, not myself for these transactions on my Dave Spending Account : XX/XX/year> {$200.00} XX/XX/year> {$91.00} Which occurred the same timeframe as other proven cases of Identity Fraud have before, most notably someone renting a car under my name and successfully picking it up with my stolen Id and a XXXX Credit Card. 


I have disputed the two fraudulent XXXX charges through Dave but my claims have been denied as no error occurring. I have little information to share back with them other than this was not my authorization, nor did anyone else have them ; but especially there have been more unauthorized charges and occurrences in other institutions and areas- that have been investigated and noted as fraudulent. All within this week of XX/XX/year>XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 a 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 and purpose.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

XXXX XXXX is sending me text messages claiming my XXXX account owes money, but when logging into my account I do not show a negative balance. Moreover, the text messages do not tell me what is owed or to whom. I have not received any communication by mail ; only via text. 

Text messages have been sent on the following dates XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Messages all state the following : " Make your payment before your XXXX XXXX ( XXXX ACCOUNT - for which the current creditor is JEFFERSON CAPITAL SYSTEMS XXXX ) account is returned to our client. Check out your options at portal-shepher.com or call XXXX. This text is from XXXX XXXX, a debt collector. 

The law limits how long you can be sued on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC can not sue you for it, and JEFFERSON CAPITAL SYSTEMS LLC can not report it to any credit reporting agency. ''
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to request the blocking and deletion of fraudulent accounts and inquiries on my credit report, as I am a victim of identity theft. These entries were not authorized by me and should be removed under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ). The details are as follows : Fraudulent Accounts XXXX. XXXX XXXX - Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$560.00} XXXX. XXXX - Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$530.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$55.00} Fraudulent Inquiries XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I opened an account with citi bank on XX/XX/year>, upon opening my account I used my account successfully for XXXX weeks with my debit card and checking account. I received a ACH transfer from my insurance company, XXXX for an accident I was in. I walked into a branch in XXXX California, showed my drivers license and my debit card and tried to withdraw money to purchase my new vehicle. Upon trying to do this they closed my account because they could not verify the funds, even though the ACH was successful, and I provided them proper documentation that the ach was from XXXX XXXX XXXX XXXX XXXX XXXX, and even gave them my claim adjusters number who issued the funds and my claim number and a receipt from them. Citibank is keeping {$44000.00} from me, and there is nothing I can do when I really need my money.