davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (NV)

On XX/XX/2023, I had the proceeds from the sale of my home transferred to Robinhood financial LLC. 
Due to accumulated debts that I was paying through XXXX XXXX  and XXXX, I reached the " monthly spending limit '' by XX/XX/XXXX of 2023. I had no access to my funds, my life savings if you will. I begged and pleaded Robinhood to allow me some way to access my money and they denied me access to any of my money. I told them I was hungry and didn't have money for food and had gone days without eating. My dog needed veterinary care and medicine and died a horrible death with pain and suffering. I emailed pictures of my dog laying in his own XXXX due to his inability to stand. It hurt me so much to watch my dog suffering when I had money with Robinhood and they wouldn't allow me access to it. I was getting evicted and expressed this to Robinhood staff and they didn't do anything. I was upset and cursed at them. They told me they were going to close my account and sold over XXXX XXXX dollars of stocks without my authorization. A clear violation of the laws that govern brokers. 
Finally on XX/XX/XXXX or so they lifted the restrictions like nothing had ever happened. After I had to pick food from the trash, after my dog suffered until the apartment I live in called animal control because I was being evicted. After I accrued debts with friends and family and relationships were torn apart because I wasn't able to pay them back when Robinhood had told me ; 7-10 business days.

After my reputation is damaged. They're actions and then inactions and negligence caused me to suffer greatly financially, emotionally, my mental health has been damaged, reputation tarnished. I had to stop pursuing custody of my son because I needed my attorney to refund me money for bills.

Robinhood is responsible for so much suffering in my life. They sum it up to the fees and losses that are on paper they refuse to acknowledge all the injury that they must be held accountable for.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/XXXX I received a settlement check for {$12000.00} from XXXX XXXX from a cashiers check. I called XXXX XXXXXXXX and verified the check was legit and negotiable, and I could go to XXXX XXXX and get the check cashed same day. Before doing this, I called Citizens bank and a representative told me that I could cash it at Citizens which is where I bank at, and I would have no problems since it is a certified check. 

The next day I come to find out the check is going to be on a 7 day hold, which is fine. 7 days later when the hold was removed, my debit card was disabled and my online banking access was terminated. I was told by a Citizens rep that my account is under review but it is not closed and I could access my funds through a cash withdraw at a branch with my photo ID ( this was a Friday ). On the following Monday, I took time off work to head to the nearest branch 45 minutes away, and called to confirm that I could withdraw money at a branch and again I was told I would have no issues.

When I get to the branch, after about 30 minutes of waiting I was told no I could not withdraw any funds from my account and the banker will reach out to the back office to see what is going on. She then comes back and says this whole issue is due to the check from XXXX XXXX. 

It took me about 15 minutes to be able to call XXXX XXXX and verify this check by giving them details, yet for some reason Citizens bank still has not done anything to clear whatever problems they are having with the check. 

Its now 2 weeks later and my account is still locked and I have missed multiple bill payments, had to get short term loans from friends and family, and scrambling to make ends meet when I have plenty of cash being held by Citizens bank. Every time I call, a customer service representative says my account is in good standing and I can withdraw cash from a branch with photo ID. 

I just get wrong information all the time from this branch, first I am told a cashiers check would be no problem to cash when I first got it, which was clearly wrong. Then I am told to travel 45 minutes to a branch and leave work, just to waste my time and be told I can not withdraw any money. Its almost like Citizens Bank feels as though the money in my account is their money. I do not know what to do, or who would give me correct information. I was told a letter would arrive in the mail, and I have not received any letters in the past weeks. I have no spending money and am going through an extreme amount of stress due to all the lack of communication/misinformation/clarity. 

I hope nobody else has to go through this
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I am writing to bring to your attention a matter of great concern regarding the multiple attempts made to rectify the issue of a late open account at your esteemed institution. I would like to express my disappointment with the handling of this matter, and I believe it is imperative to address it formally. 

I initiated the process of opening an account with your bank. Unfortunately, due to circumstances beyond my control, there was a delay in completing the necessary documentation, resulting in the account being opened later than anticipated. 

I contacted them to explain the situation and inquire about the necessary steps to rectify the delay. The representative assured me that the matter would be promptly addressed, and I was given a timeline for the resolution. 

To my dismay, despite the assurances provided, the issue persisted, and I found it necessary to contact your customer service department to follow up on the status of the correction. Regrettably, each time I contacted your institution, I received conflicting information, and the matter was not resolved within the promised timeframe. 

This continuous inconvenience has caused me considerable frustration and has raised questions about the efficiency and reliability of your institution 's customer service and account management processes. As a customer, I believe that timely and accurate resolution of issues is fundamental to maintaining a positive relationship with a financial institution. 

I request that you investigate this matter thoroughly to understand the root cause of the delays and provide a detailed explanation of the steps taken to prevent such occurrences in the future. Additionally, I expect a formal apology for the inconvenience caused and a clear outline of the measures that will be implemented to rectify this situation promptly. 

I appreciate your immediate attention to this matter and expect a comprehensive response within the exact timeframe of receiving this letter. Failure to address this concern adequately may compel me to escalate this issue to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$10000.00}.
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Recovery One, LLC (CO)

THIS IS A NEW COMPLAINT Recovery One collections  agency continues to fraudulently use my credit report as retaliation for my complaints with CFPB. On XX/XX/XXXX they responded that " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, Recovery One in fact submitted a " New Collection '' on my credit report. They then responded on XX/XX/XXXX " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the item remains on my credit report. Using my credit report as a retaliatory response to my filing complaints with CFPB is fraudulent.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have consistently made sure that payments on this account are made promptly, never allowing them to be overdue. I'm uncertain about the rationale behind the reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the presence of fraudulent charges and collection accounts on my credit report, which are negatively impacting my creditworthiness and causing distress to my mental health. I recently obtained a copy of my credit report from your bureau, and upon careful review, I discovered several items that are inaccurately reported.

I am a victim of identity theft, and I have taken the necessary steps to report the fraudulent activities to the relevant authorities. However, I am deeply troubled to see that these fraudulent charges and collection accounts remain on my credit report, despite my status as a victim. 
Below are the details of the disputed accounts : XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXXXXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I request an immediate and unexempted removal of these fraudulent charges and collection accounts from my credit report. The inaccuracies in my credit report are not only affecting my financial standing but also causing undue stress and XXXX. As a law-abiding citizen, it is disheartening to face the consequences of identity theft when I am the victim.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CBC Companies, Inc. (TX)

I spoke with the lender on XX/XX/2023, about doing a soft credit pull before I started completing the loan application. The mortgage lender agreed that he was only going to do a soft pull. I completed the application on XX/XX/XXXX and discovered that the lender lied and pulled a hard pull on my credit. I called the lender immediately once I found out. The lender said he don't recall us having the conversation about just doing a soft pull on my credit. He showed no remorse. I called the bank the next day and spoke with the manager and was told they was going to take care of it and pair me with a new lender, and yet I still haven't heard back from the bank.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be removed according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Consumer complaint received 2022-09-30
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. (GA)

Experian is reporting that I owe {$220.00} to XXXX XXXX which was settled back in XXXX for {$520.00}. They are also reporting a late payment for this year starting in XXXX which has significantly dropped my credit score. I have provided the settlement letter and the receipt for which I paid in my documents as proof.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Trans Union LLC has been notified by certified mail regarding inaccurate information reporting to my credit report i have contacted merchant as well as trans union requesting validation of debt bearing my signatures and dates i do not recognizes these accounts and demand they be deleted immediately per FCRA and FDCPA you are violating my rights and the law XXXX XXXX XXXX -late updated AUTO PAY NEVER BEEN LATE XXXX ) XXXX XXXX XXXX UNKNOWN ACCT In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 NO UPDATES TO DISPUTES NOTES MADE TO MY REPORT DELETE AND UPDATE XXXX ACCT NOW
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (AR)

The bank is Fifth Third bank. I have been trying to set up auto-billpay for 3 months now. I thought it was set up in XXXX when I worked with an agent in the auto bill pay department and enrolled. I expected my loan payment to be auto debited from my checking account for the XXXX loan payment. Instead I got a call from Fifth Third collections department 5 days after the payment due date. Again, I paid over the phone, but the guy I talked to said it takes 2 to 3 months to activate auto bill-pay ( which I knew was soundly incorrect ). My XXXX payment was also not debited from my checking account, and I talked to 5 different people today to resolve this, 2 of them being " managers. '' I heard a different story from each one of them as to why my bill pay is not active. Again, I paid my payment over the phone. I have never heard of this bank and plan to shop for a different lenders. Some of the reasons they gave were absurd, but all of them different. They definitely do not have their ducks in a row. The only thing I could think of for not setting up auto billpay immediately, this is a way to collect additional late fees or something. I worked as an XXXX XXXX a financial institution and knew what they ALL told me was garbage. So I told them I was filing a complaint today with the CFPB.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On all  XXXX  credit agency reports, it is listed that I filed Chapter  XXXX  bankruptcy on  XXXX -2013. I have filed a dispute with all  XXXX  agencies several times and they have come back with the decision that the information is accurate.   XXXX  It is NOT accurate as I filed a Chapter  XXXX  bankruptcy on that date and NOT a Chapter  XXXX . If they truly did investigated the dispute, they would have found this information was inaccurate and should have been removed from my credit reports.   XXXX  However, I do not believe that it was investigated, and this is fradulent activity on the credit reporting agencies part.   XXXX  I would like this bankruptcy information on that date removed immediately.   I have the paperwork of what type of bankruptcy was filed and am able to provide that to prove that this is inaccurate and should be removed from my credit report.   XXXX  Thank you
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX  I sent Equifax a statement explaining every violation in my complaint. I also included a copy of my social security card, driver 's license & utility bill. Please review the attached documentation. I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports. The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so Equifax is required to make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations. All information must be reported accurately and according with Metro 2 regulations or else the reporting agency can face fines, so the reporting agency is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why Equifax and the company who provided the data to Equifax to consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that Equifax verify permissible purpose was provided for each account and inquiry.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo stole money from me. They gave me a credit for some car repair services that were not performed on my vehicle. Then they took it back. It was not my fault they revived everything by from me they asked for by the time frame they told me. They messed up not me. Then they closed my account and filed with collections. Now I can not open another checking account and they are harassing me to pay them more money. 

They are bullies! Please someone help me with this, Im desperate.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX  XX/XX/2024 two new accounts appeared on my consumer report that I do not recognize and Im not liable for. There was previously a fraud alert active on my account from previous identity theft. No account should be open under my good name. Please remove fraudulent accounts by XXXX. Place fraud alert on my account if one does not exist already. Thank you for your time in this matter is of extreme attention to me.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies have a duty to report accurate and complete information. In light of this, I would like to address a late payment that was recently reflected on my credit report.

The late payment in question occurred due to unforeseen circumstances beyond my control, which temporarily impacted my ability to make timely payments. However, I have since rectified the situation and brought the account up to date.

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), it is mandated that furnishers of information must promptly update any information that is found to be incomplete or inaccurate. Given that the late payment no longer accurately reflects my current financial standing, I request that it be updated to reflect the positive status of the account.