BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: WELLS FARGO & COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A little background Information. Wells Fargo had a major outage in XXXX XXXX XXXX. I have been unable to access my online account since that time -- despite Wells Fargo 's claims to the contrary. 

Because I didn't have online access, I didn't have bill pay or statement access -- despite Wells Fargo 's claims to the contrary. 

After trying unsuccessfully to re-establish online access with Wells Fargo, I switched to another bank in XXXX XXXX XXXX 

In XXXX XXXX XXXX, Wells Fargo reported me to the credit bureaus for non-payment on my credit card. That was surprising to me, because I hadn't used the card in over a year. They also never tried to contact me directly -- despite Wells Fargo 's claims to the contrary. 

I immediately disputed the charges with Wells Fargo. In XX/XX/XXXX, Wells Fargo informed me in writing that " fraudulent charges will not post to the account ''. Unfortunately, they never removed the charges. And, they've never explained why they broke this promise. 

I went back and forth many times. Finally getting a full copy of my statements by XX/XX/XXXX. I sent another dispute, detailing the fraudulent charges. Hoping to get some acknowledgement from Wells Fargo. 

I am writing today, specifically because I have never received a formal response to my XXXX XXXX  letter. This is despite many communications with Wells Fargo during that time. It feels like they're just ignoring me now. 

This is a complicated issue. And I'm trying to simplify things here. Just tell me why you never responded to my XX/XX/XXXX letter. Why didn't you refund the fraudulent charges, like you said you would? 

As mentioned, I've been back/forth with Wells Fargo many times. A XXXX XXXX XXXXXXXX dollars and a single customer 's credit report may not mean much to a large bank. But, I'm not going to give up, until they make things right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: BROKER SOLUTIONS, INC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been going back and forth providing non stop documents to my lender and I feel like this process will never end. Now after months of being in review they have denied my application because they miscalculated my income by over {$5000.00} dollars. I don't even know where to begin my frustration. They have a sale date for my house in less than 3 weeks and I am just trying to save my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-08-25
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XX/XX/XXXX Insurance Claim Event occured. XXXX (? ) XXXX XXXX payout around $ XXXX was sent to me, however, unfortunately had to go through mortgage escrow. We followed all of the requirements asked of our mortgage and were able to get some of the funds release ( only about 50 % ). XX/XX/XXXX, the mortgage was sold from XXXX to Shellpoint. XX/XX/XXXX almost all repairs completed including about $ XXXX in flooring replacement. XX/XX/XXXX finally had final inspector pass us with XXXX for full funds release. XX/XX/XXXX, finally get out of Shellpoint that they will not accept inspection from XXXX and request new inspection. XX/XX/XXXX, inspector ( from MCS ) comes out without setting an appointment and XXXX contact with us, and inspection attempt fails due to not being able to get through neighborhood gate ( again no contact with me attempted. XX/XX/XXXX finally new inspector comes out from Shellpoint. XX/XX/XXXX, Shellpoint has 100 % passed inspection report. XX/XX/XXXX, Shellpoint refuses to release funds and wants a lein to happen first from the contractor ( XXXX XXXX- whom I highly recommend ) who hasn't been paid since completing amazing work on XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 41 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is fraud on my account. I did not authorize any credit reporting on my report. 12 CFR subsection 1022.3. Anything added to my credit report without my knowledge is fraud. There are a lot of discrepancies on my credit report which needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: AZ
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 am writing to formally dispute the validity of two collections accounts listed on my credit report, which were reported by XXXX  XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.

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 2023-08-25
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: WELLS FARGO & COMPANY
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Below is a copy of the letter sent to the XXXX XXXX XXXX XXXX, XXXX XXXX, at Wells Fargo Bank. 

XX/XX/2022 Dear XXXX, In response to your investigation conducted over the past couple of weeks regarding the international wire fraud of {$60000.00}, my comments are as follows : -I reported this wire fraud within an hour of the occurrence by calling the Wells Fargo XXXX branch manager and requesting a Swift recall. 
-I was told that a recall had been initiated and that Wells Fargo would involve the FBI as part of the process. 
-I put a hold on my accounts the same day, XX/XX/2022, Ref. # XXXX -The next day, XX/XX/2022, I went to the Wells Fargo XXXX branch and met with XXXX, XXXX and XXXX XXXX They assured me the wire recall was being escalated and that the Fraud Team was on it. 
-On XX/XX/2022, we changed all my accounts, opening new accounts and closing the old ones. 
-I began changing all my other personal accounts and changing usernames and passwords. 

Then, I waited, checking each day for updates. A case number was issued XXXX I did receive a couple of messages, telling me that Wells Fargo was investigating. You also sent me a message stating that a response would arrive by XX/XX/2022. But then, I received another message from you, requesting more time and your response would come on XX/XX/2022. 

When I read your email response on XXXX XXXX XXXXXX/XX/2022, I was stunned. 
You stated, " That due to a high volume of fraud cases, a recall wasn't sent until XX/XX/2022. '' This is totally unacceptable. According to your response, the FBI was not involved at all. I am extremely disappointed by Wells Fargos lack of performance, on my behalf. 

I have returned to the Wells Fargo XXXX team and expressed my dismay at the entire process. I am considering action against the bank for inadequate action and performance. 

Thank you for your time, 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 monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NJ
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:
The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i opened up a brokerage account with Robinhood XXXX and i deposited {$900.00} into the account but since i deposited the {$900.00}, Robinhood put a restriction on my account that has made me not to be able to withdraw or do anything with my own hard earned money. I have complained and I have also done every single thing that they have asked me to do but they are not doing anything about my issue of not being able to access my money, each time I call or chat with them on their live chat menu, all they say is that my case has been transfered to there email Custormer care department and that I should be expecting them to follow me on up through email. Robinhood have seized my money for no reason at all for almost 2months and counting .... I don't know what do about this issue anymore, please I need help getting my money back from Robinhood XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Bread Financial 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: Account status incorrect

Complaint:
I have an XXXX XXXX credit card through Commenity Bank. I am currently not using the card which carried a {$0.00} balance due for quite some time. Somewhere around XXXX an approx. {$2.00} -3 fee was added to the account that I wasn't aware of. I never received a statement for the amount apparently accrued late fees and eventually reported as more than 30 days late. I finally received a call from a representative about the charges. I told her that I was not aware. She, therefore, removed the two months of late fees and brought the account current. I have been working very diligently to pay al of my accounts on-time in effort to purchase a home. Although this may not have a major affect, I am requesting to have this late payment removed based on the information provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: R & B Corporation of Virginia
State: VA
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:
Credit Control Corp/ R & B Corp has unlawfully reported this debt on my Federally protected consumer report according to 15 USC 1681 ( a ) ( 2 ) Also, according to 15 USC 6802 B, there is no law that legally states you as a " person '' or " corporation '' may report ANY of my consumer transactions to any non affiliated 3rd parties. As an affiliate per 15 USC 6802 ( a ) to the corporation whom you purchased this debt from, it has been labeled unlawful to share this consumer transaction to any 3rd party affiliate in which you have unlawfully done via my consumer report. 

Per 15 USC 6802 ( B ) to collect this debt lawfully I request you provide to me, the consumer, all the written opportunities provided from the original corporation, XXXX XXXX, SENT TO ME, that my consumer transactions will be disclosed to you, corporation and 3rd party consumer transaction reporting corporations. Per 15 USC 6802 ( C ) provides to the consumer the given explanation of how the consumer can exercise a nondisclosure option. To validate the debt, I command you forward this TO ME as well from the original corporation IMMEDIATELY. 

Credit Control Corp/ R & B Corp XXXX practices have deprived my life and deprivation of my life is unlawful per the United States Constitution. All correspondents to and from you have been recorded and saved and will be used against you in a court of law with damages being requested to the full amount if this NEGATIVE REPORTING ACCOUNT # XXXX is not DELETED immediately. 
15 USC 1692 ( k ) Civil Liability - ( a ) Amount of damages, Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After reviewing my credit report i noticed a ton of errors with incorrect and false information. Also please note that I checked the source and my data was affected by the XXXX data breach as well as the XXXX XXXX data breach. Which is extremely unfortunate for me. Those breach 's have caused false account attempts ( inquires ) false addresses and even as far as accounts that do not belong to me that were open. On XXXX i sent a letter out to the said consumer reporting agency Transunion as of todays dates XXXX i have not received a response from them. in my letter i did inform them of the false and negative information and how with my credit report not reporting 100 percent correct as it is supposed to that they have violated me as a consumer which also means that the consumer reporting agency has civil liability for willful non compliance. i understand that it is the CFPB place to govern them. Please get on Transunion with doing the duty of completing the investigation within the allotted time of 30 days. I am also aware that if a investigation has not been completed in the allotted time then the items must be removed from the consumers credit report. 
the item by XXXX XXXX XXXX, that is not even mine not only is it not mine but it is reporting as an open collection, which a collection account can not be open, also again i have never did business with this said company of XXXX XXXX XXXX the, account information is inaccurate and not reporting 100 percent correct. there is not even an account number and please do not respond to say that is for the person or the consumer safety because nowhere in the book or law does it state that is to be what it states is to have the full information of an account, report it 100 correct. another collection item is listed on my credit report as XXXX XXXX XXXX XXXX, that doesn't belong to me, I have never did business with said company and of my knowledge collection company has to issue notify in writing 5 days prior which have not been done. as the original creditor i do not validate this alleged debt ; also there ar4eother items on my credit report one with XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX that are reporting incorrect payments amounts, payment status which is a billing error, payments were paid as agreed on time which is a billing error violation with inaccurate reporting information. 
I have attached the letter that i have sent to them along with my drivers license to prove who i am as well as a statement to verify me at my address. and Per my usps search the documents have been received.

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