BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX  and a veteran.I have had XXXX twice. I was doing just fine paying my monthly payment until the property taxes went up considerably and virtually doubled the payment. Of course I was ill at the time.I contacted Wells Fargo and they suggested that I take advantage of their program to defer payments until I felt well enough to resume as normal. I could have up to one year of deferment. They assured me that this would not affect my credit, would not be reported to the credit agencies, would not be reported to the V.A. and the deferred payments would be tacked on to the end of the loan. they straight out lied to me. This was immediately reported to all three credit bureaus, also the V.A. I paid what I had in savings ( {$4000.00} ) so Wells Fargo would not foreclose and I am now getting notices to pay them {$12000.00} more to bring my account up to date. They have repeatedly asked me for the same documentation over and over and passed this account around to several different representatives within their organization. I'm continuing to make my normal monthly payments of {$1700.00} which they are accepting but they are threatening me with foreclosure through the U.S. Postal service and almost daily phone calls. I never know who I'm going to be talking to and continually have to go through the whole story over and over with each new person. I have repeatedly sent them everything they have asked for. This has been on going for two years.

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 2021-03-18
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Robinhood will not release my funds. I have sold all my stocks being that we were in a pandemic I am low and cash and that was my last option. Robinhood refuses to let me transfer my {$6400.00}. I have sent all documentation driver license front back social security a selfie and still nothing. I cant close the account because they wont let me transfer my funds to {$0.00}. Please help. Do not use Robinhood. I have bills to pay as we all and this is just not right. I did not sell my stock just for it to be held and stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Last 4 of SSN : XXXX I am writing to request the removal of inaccurate and unfair information from my credit report. The information in question has been negatively impacting my credit score and is not an accurate reflection of my creditworthiness. 
The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXXXXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX THE FOLLOWING COLLECTION : ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX PERSONAL INFORMATION INCORRET NAME : XXXX XXXX, XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I believe that the information is inaccurate because 15 USC 1681 section 602 A states That I have the right to privacy. This inaccurate information has been unfairly reported to the credit bureaus and has resulted in a lower credit score than I deserve.

I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report.

I am requesting your assistance in resolving this matter. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information corrected or removed.

I request that you investigate this matter and take appropriate action to ensure that the inaccurate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions to address the inaccurate information. 
Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 
Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: FL
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:
Experian refuses to remove a loan that was paid in full by forgiveness, i provided the proof of pdf rhat the federal government vis a vis servicer sent showing paid in full but Experian refuses to acknowledge ir or close the loan. I tried nnumwrous times, the service people on phone very rude and then they keep denykng request while XXXX others arw forgiven, and orhers have gotten Experian to remove it they refuse to do so for 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 2023-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Unauthorized inquiries that have been listed on my credit report. 
Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: UT
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 Account name : XXXX XXXX XXXX. Account XXXX XXXXXXXX. Account name : XXXX XXXX XXXX. Account XXXX  XXXX. Account name : XXXX XXXX. Account XXXX XXXX, Account name : XXXX XXXX. Account XXXX  XXXX. XXXX XXXX XXXX XXXX. Account XXXX 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 an 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 beleive that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called XXXX XXXX XX/XX/2023 and they could not find a credit card in the amount on my credit report. It is a fraudulent credit card someone took out in my name. The person on the phone told me to contact all the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: PA
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 am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Following up on contents received as a result of CFPB complaint XXXX. I am a victim of identity theft. XXXX XXXX XXXX, Experian, and XXXX had no consent to report this alleged account. The alleged lease agreement does not permit sharing my information with the third parties. And I never consented to share any information. 
The account cant be verified due to an inaccurate and incomplete itemized account statement. How was this verified? Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B. I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate and what method was used to verify accuracy every time I disputed this account? 
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any of their results, further damaging my credit score and financial reputation. XXXX deleted this fraudulent account months ago but experian and XXXX refuse to perform a INVESTIGATION! I am concerned that Experian, XXXX, and XXXX are coercing me to pay a fraudulent debt by refusing to perform a reasonable investigation. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company XXXX written consent to report this alleged account.

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 2023-03-31
Company: Data Mortgage Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I contacted lender to advise them of my diagnosis of a severe chronic illness and I had lost my job. They informed me they had no forbearance or any options for 2nd Mortgages. I continued to pay XX/XX/XXXX was my first late payment and I paid XX/XX/XXXX including late fee. 
XX/XX/XXXX I contacted lender to make them aware that MNHOMEHELP was attempting to pay them but had not received a response. XXXX told me to get date attempt was made. I contacted lender XXXX XXXX provided date of email then was told they get XXXX of emails they needed time also. I contacted lender again provided date and time and this agent informed me they were not able to retrieve emails. I asked for XXXX but was told there wasn't one available and they would ask for one to call me back. It took 3 weeks of constant calling to lender and MNHOMEHELP reaching out to them yet lender said they couldn't open encrypted email!!! Instructions are in the email on how to open. Eventually I was able to get an agent at MNHOMEHELP to call them and sit on the phone with an agent to walk them through how to open email. MNHOMEHELP is federal organization so all their emails are encrypted. Lender then completed form requesting XXXX and XXXX payment. They received payment XXXX. They charge late fee after XXXX of the month and they would have been paid had the experience of opening encrypted emails!! They reported late on my credit from their error!!! My credit dropped over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the same issue with all 3 credit reporting agencies for the past 6 months dating back to XX/XX/2021 on an error that was not made by my own doing. There are late payments reporting XXXX of the XXXX student loan accounts I have. I have asked them to verify the information they had with 100 % verifiable proof twice and all I received were automated responses that were generated from the E-OSCAR system they use to automatically verify an account which is a violation of the FCRA. By law the information that they are reporting " SHALL, '' meaning MUST by LAW, report 100 % accurately. Here are reasons as to why they are inaccurate : 1. ) They failed to include the transaction history within my credit report with each delinquent account on my credit report which violates 15 UNITED STATES CODE LAW 1681a ( 2 ) ( B ) " EXCLUSIONS FROM A CONSUMER REPORT '' 2. ) Dates of delinquency are reporting inaccurately across all 3 agencies. If a furnisher is reporting information to each bureau, they all SHALL report the same.

3. ) Failure to notify me of delinquency within 21 days of delinquency which is a violation of 15 UNITED STATES CODE LAW 1666B I've asked the bureaus to provide complete and maximum possible accuracy of this issue and still received an automated response of them items being verified which means they are now intentionally reporting these inaccuracies on my credit reporting after being made aware of the errors.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX 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.

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 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After, receiving an pre-approval invitation from XXXX to apply for a Capital One business Credit Card. On XX/XX/2022 I initiated a consumer credit transaction with my SSN, and business Tax I.D . number also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a business credit card account on Capital One. They claim this was a very easy process and that my business XXXX XXXX XXXX XXXX  was already pre-approved. I filled out the form online, and provided every document required. I was denied a new business credit card, due to reasons not provided nor I never received. I sent a certified letter to the company that was signed and has a return date of XX/XX/2022 with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for non-compliance pursuant XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and have not received any response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: LA
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 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 2023-02-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have an American Express XXXX XXXX that had a {$1200.00} balance prior to XX/XX/2022. I went to use the card on XX/XX/2022 and found out it had been depleted with false charges not made by me. I was told by customer service I had to contact each merchant and try to recover the funds. The card was placed on hold during this process. I did this and was able to recover {$860.00} of the amount and the merchants returned that to the card. I have been calling and requesting a replacement card for 2 months and do not receive it. The customer service tells me there is not a way for them to provide proof the card is being sent or to send it with a tracking number. They claim to have sent 3 replacement cards that never arrive. I am told a different version of the process, timeline and story every time I call. I am asked for additional information that was never asked before and told that is why I have not received it, while also being told the cards have been sent. The wait times for customer service are lengthy, over 45 minutes typically and often the call is disconnected mid conversation and no one returns the call. I can not believe American Express would have their name on XXXX XXXX card that has this horrible level of customer service and all out fraudulent behavior. The fax and email address point to XXXX which has tons of similar complaints and news stories detailing this fraudulent and evasive behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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.

Company response to consumer: Closed with non-monetary relief