BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
State: CA
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:
Theses accounts showing on my credit report is not mines they belong to some one eles i also have inquiries on my credit reports that i never did theres also misspelling on my name showing up on my credit report

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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 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 2017-05-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My Mother,,  XXXX   XXXX   XXXX  passed on   XXXX   XXXX   XXXX  . At the time of her death, she had a checking account and a money market account with  Wells Fargo . She  di8d h er banking at the  XXXX , North Carolina Office.   I am the co executrices of my Mother 's estate, and I have attached the documents for you to have.   The account number for my Mother 's account is: XXXX  Before  Wells Fargo  took over  Wachovia,   her account number was: XXXX    My Mother always told me, my brother and I were the PODs on her accounts with   Wells Fargo.
Upon, my Mother 's passing it   was discovered my brother was the joint owner of the account as well as he and I were porth listed as PODs. I fail to understand how you can be a joint owner and a POD.   I requested the attorney 's office to get documentation from Wells-Fargo. The attorney 's office was faxed  six ( 6 )  forms with the following dates :  XX/XX/XXXX    XXXX    XX/XX/XXXX    XX/XX/XXXX    XX/XX/XXXX  and a letter from Ms.   XXXX   XXXX  , Regional Private Banker stating the following : " I realize there was some confusion with Mrs.  XXXX  failing to sign onone of the spaces on the signature card, and there being additional beneficiaries listed. " etc. I have attached the letter for you to see.   I called Ms.  XXXX  at  Wells Fargo  in  XXXX  asking her for ALL the documentation concerning my Mother 's account. She hung up on me.   With that having happened, I called the  Wells Fargo  Bank in  XXXX , NC. ( I live in  XXXX , North Carolina, and asked one of the personal bankers to please get me the documentation 's for my Mother 's Account. I went down to the bank and took him a cope of the Co Executrices information in order for me to obtain this information. He was very helpful and in a couple of days, he gave me  nineteen ( 19 )  pages. I studied them very carefully and came up with many questions about the forms.  One  of which is : on the Consumer Account Application, my Mother signed  one  page, and on the third page she only signed "  XXXX   XXXX   XXXX  '' in the blocked for the customer 's signature. Why was this not corrected was  one  of my questions to him. His answer " oh that how they sometimes do things. " .The date for this action was  XX/XX/XXXX . On the " Relationship Change Application dated  XX/XX/XXXX  she and my brother both signed the forms. Then on on  XX/XX/XXXX , on another " Relationship Change Application on she, my Mother signed the forms, with PODs being added.   I am totally at a lost about all the items not done on the forms and with the answers that  Wells Fargo  has given me- '' Oh that 's just how they sometimes do it. '' That answer makes NO SENSE to me!

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 2021-12-06
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Robinhood locked my account with almost 900.00 in it and refuses to allow me to transfer it to my bank. Refuses to give explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Fidelity National Information Services, Inc. (FNIS)
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX fl, XXXX Last 4 SSN : XXXX XXXX : XXXX Consumer ID : XXXXXXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified item listed below remains on my ChexSystems report in violation of Federal Law. You are required under the FRA to have a copy of the original source documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from ( name of bank ) does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( 15 ) business days, I will take further steps to preserve my rights.

1am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Again, let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it.

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply.

Please verify the following account or remove it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-06
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to Mr. Cooper in XXXX of XXXX. In the summer of XXXX we got notice that a reassessment resulted in an increase from {$1400.00} to {$2000.00} a month due to a tax increase. In XXXX we also received notice from XXXX XXXX that our tax payment was late and assessed fees. I contacted Mr. Cooper on numerous occasions, I have the email strings for the contacts. It took months before they would fix the assessment and Im the one who had to contact the city to verify my taxes did not go up. our monthly mortgage is now {$1500.00}. However they will not credit the escrow account for the {$500.00} plus in late fees, penalties and interest. They said they are waiting for XXXX to verify the amounts. However Ive provided the information by email from XXXX XXXX many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: MOHELA
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I received a letter from MOHELA stating that the Biden Administration paid off my stiudent loan in full. I decided to check my credit report 30 days later on XX/XX/XXXX with XXXX. The balance of {$36000.00} had not changed. I filed a dispute on XX/XX/XXXX, but when investigated, nothing changed. I then tried to see if my XXXX or XXXX account balances had changed- they did not. I filed a dispute with XXXX on XX/XX/XXXX, the report came back with the baance not changed. I filed another dispute on XX/XX/XXXX, but still nothing had changed. Keep in mind, I attached the PAID IN FULL letter from MOHELA each time. On XX/XX/XXXX, I filed a dispute with XXXX, but the results of the investigation were the same - no change in the balance. I am at the END of my rope. What can a consumer do when credit bureaus refuse to update? I have also contacted MOHELA by phone on XX/XX/XXXX, XXXX and XX/XX/XXXX -- and they claim they are sending the updated information to the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Early Warning Services, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A notice has been sent to the company addressing the CEO. this notice was sent priority express mail and delivered on XX/XX/2023 at XXXX. I have not gotten any correspondence with any confirmation as to complying with demands to remove false information violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Creditor agreed to delete account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Mr. Cooper Group Inc.
State: NY
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:
cooper bank is showing inaccurate reporting information on my credit report. they state that iam 60 days and or 2 payments late in my three credit reports, XXXX XXXX and XXXX accounts. This is incorrect. I have spoken to a representative XXXX XXXX who has stated that this issue was going to investigated and resolved. However The credit bureaus are reporting inaccurate information. My payments where kept in a suspense account and and not applied to my Morgage payment which is not correct and illegal. Secondly I had covid and was off of work and asked several times for help with this matter and no agents or supervisors helped me come with resolution. Third issue I inquired to get assistance with this matter and was told because I sent any email to the Mr. cooper MRC Research Unit email the representatives on the phone could not assist me. L if the payments were delayed why wasn't i offered a Covid program to help me or why wasn't I called to warn me about these lateness. I want these questions answered Mr. Cooper bank failed me and caused me Financial Hard ship and Pain and each agent and representative should be held accountable, with these inaccurate actions. when you are reading this " Place yourself in my shoes ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CITIBANK, N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
From XXXX when I became disable and stop working to XXXX XXXX card DID transfer money from my other credit card to a fake XXXX XXXX account! 
In XXXX I notified the credit card companies that XXXX  has set up a fake account and is taking money from my accounts with them< I canceled all my accounts with the one that kept sending money to XXXX fake account! 
There have been several class action lawsuits again XXXX for this and other violation of the laws! 
XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX took me to XXXX XXXX, XXXX XXXX  The case was XXXX XXXX 

CITI Bank took me to the XXXX, XXXX XXXX XXXX dismissed due to the above proof of XXXX card past actions!

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 2023-08-24
Company: Radius Global Solutions LLC
State: GA
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 have sent in a requests to all 3 bureau 's to investigate and provid me with signed documentation, that I in fact owe the debt collections on my report. I have not been provided this information after multiple requests and so it needs to be removed off my credit report. This is deformation od my character and causing hardship on my everyday life and I am trying to buy a home. The credit bureau investigation only comes back UPDATED. No verification that I actually own and owed on these accounts.

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 2017-05-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was approved online for a loan through  OneMain Financial  for {$12000.00}  XXXX  unsecured ) or {$15000.00}  (  secured by auto ) to purchase construction equipment for my personal use ( attachment 1 ). I later discussed the loan over the phone with  XXXX  employees who contacted me about the loan  XXXX   XXXX  and  XXXX  at bank phone  XXXX  ). I was told the financial institution did not make equipment loans, but that I could refinance  XXXX  of my cars and received {$9000.00} in addition to pay for the equipment. I told them I was not interested in their loan since it did not accomplish what I wanted and I felt the interest rate th ey quoted was too high. A few days later, I was notified online that my loan application had been denied ( attachment 2 ). An attachment to this denial was my credit report with several boxes checked indicating why I was " denied '' ( not attached due to personal information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY NAME IS XXXX XXXX XXXX FILE # XXXX .... I AM SUBMITTING THIS COMPLAIINT WITHOUT ANY INFLUENCE FROM AA 3RD PARTY OR AGENCY PLEASE SEE ATTACHED WHICH INCLUDES MY ID, FTC AND A STALL TACTIC LETTER RECEIVED FROM TRANSUNION.

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 2021-04-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX Chicago, XXXX XXXX XXXX Equifax added a account back to my report and derogatory marks to my report after I disputed over the phone and by sending in dispute letters the name of the company I'm disputing is XXXX XXXX XXXX XXXX XXXX XXXX Equifax keeps putting this account on my report after XXXX XXXX XXXX sent me a letter admitting that they were reporting inaccurate information on my report. 
It is illegal for the credit bureaus to put negative items back on your report once it has been deemed unverified or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a bank statement from Bank of America in my maiden name, for an account I did not open. Then I received a letter from Bank of America stating they closed the account since they could not verify my identity.

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 2017-05-10
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I applied for Best Buy Credit Card.. I never received it, I never got a Statement, I asked many times when I would be getting it. I was told up to a month or more. I decided something was wrong I called very early after application. Best Buy had all my information wrong. I had not made any purchases. I told them forget it close the account. The representative said that would be fine and account was closed. I started getting calls and looked number up I saw it was best Buy so I called again and said I cancelled and again was told rest assured the account was closed and no further action was needed.   They call 3 times daily I am not going to play account repair with someone in  XXXX . Best Buy is in the USA. his has gone on long enough

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 2023-10-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the evening of XX/XX/XXXX, at about XXXX or XXXX XXXX, I was in XXXX, XXXX when I discovered via email that fraudulent charges had been made from my checking account. A XXXX transfer of about XXXX $ was done - I did not do this, was not involved. It was fraudulent and unauthorized. This has been reported to the police ( XXXX - that's where I was when I learned, and XXXX XXXX, given the possible connection to shared wifi and devices on XXXX XXXX ) and the CFPB. 

Upon further investigation, I found a that USAA, my bank, sent me an alert stating that someone accessed my account from an unknown and unauthorized device around XX/XX/XXXX or XX/XX/XXXX. I learned about this recently after this fraudulent transaction. Then, I found an additional XXXX unauthorized charges from an ATM. I searched for my debut card, which I don't use often, and found it was not in my wallet. I made the bank, USAA, aware of this and I also alerted them that my PIN ( both to the debit card and the account were compromised ). I share devices and WIFI with others on a college campus, and malware was discovered on public devices as well as my personal device. 

In addition to all of this, when I called USAA, the rep told me someone had been accessing my account from an XXXX device. My device, which has not changed for several years, is an XXXX. Someone has taken over my account, based on this evidence. I have changed the pin and also changed the password after it seems someone may have changed it to lock me out. This hasn't happened in XXXX hears of being a customer with this bank, and I would like the charges reversed and my account secured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a lot of debt with ca pital one credit  card company and it 's destroying my credit.

Company response to consumer: Closed with explanation