BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
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:
I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XX/XX/2022 account number XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: PA
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:
Hello Im trying to buy a house. This information on my credit profile is holding me a tried numerous times to have these account from Experian Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.Im demanding this be remove

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 2023-06-07
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- [ ] XXXX mortgage statements and foreclosure notices immediately XXXX originally al payment, the accidental death insurance we were charged for never enrolling, enrollment form included. 
XXXX mortgage statements from XXXX MD XXXX 
XXXX begin seeing statements from XXXX NJ, every month no payment received notice on the XXXX th! Coming from yet another Wells Fargo company in SC. Also no payments sent on the XXXX of each month no matter. XXXX day grace period. Multiple mortgage statements for XXXX month with h conflicting amounts. How can you receive a monthly statement dated the same as the payment noted on mortgage statements? XXXX along with the XXXX accidental death insurance, not authorized, the late payments on top of late fees, and out of no where random amounts due in the other charges on the mortgage statements XXXX the numerous payments made to Wells Fargo, to be told to login to the email address ; XXXX. Its yet another law and reason Wells Fargo has been fined multiple billion dollar fines on top of the multiple million dollar fines for all the illegal activity and actions by Wells Fargo and employees and their sub companies. This is just a minuscule amount of paperwork we were bombarded with by Wells Fargo home mortgage, in MD, NJ, SC, ID, CA, thats only a few states they have operations in.

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 2022-02-09
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX continues the systemic Institutional racist oppression, and racial inequality treatment of my personal credit profile ordering a hard credit inquiry WITHOUT my signed authorization. Either provide a signed by me ( XXXX XXXX ) application, document with my signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports!!!

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 2021-02-06
Company: ROBINHOOD MARKETS INC.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I am a Robinhood customer with a new XXXX XXXX account. I initiated a full account transfer ( ACATS ) from RH to XXXX on Monday XXXX after calling XXXX and going over everything with them. I expected the transfer to be complete within 5 business days, ok if longer. At time of transfer my account was positive, had never used margin, and contained only stocks, a small cash balance, and a few options to transfer. The approximate value of the account is between {$45000.00} and {$50000.00}. On Tuesday XXXX RH closed my account and I could no longer access it. By Friday XXXX I received shares and options that showed up in my XXXX account. 

At time of writing all my shares have shown up except for fractional shares left over and my cash balance on my Robinhood account. I received no messaging about the account or the process or when to expect my money. 

During the business day on Friday XXXX two withdrawal/debits appeared in the account that put me negative and on margin. One withdrawal is for XXXX dollars which is the Robinhood transfer fee. The other is a charge for - {$4900.00} that XXXX has recorded as a negative charge and put me on margin. I believe I am now at risk of a margin call and will start accruing interest on the negative amount with XXXX on Monday. 

I called XXXX and investigated it with them, describing the transfer and reviewing the charges. They identified the - {$4900.00} charge labeled " Cash Movement of Incoming Account Transfer '' and they do not know what it is. They've asked me to take this up with XXXX. I asked management to make sure my account is noted properly for later investigation so I can keep track of this and fight for the interest accrued later. Robinhood does not have a phone desk, only an email address. I have emailed them requesting attention and tweeted at their app account on twitter. I am filing this urgently with you as well because so many people are having issues and RH support is nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX ; XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-02-09
Company: BARCLAYS BANK DELAWARE
State: MO
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:
I have a hard inquiry through Barclays Bank in Delaware on XX/XX/2021 but I have never even heard of Barclays Bank nor I have I been to Delaware!

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 2018-10-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On or about XX/XX/2018 I changed the terms of my loan repayment ( I made it such that I was able to keep making payments at around {$120.00} for the next two years as I had been doing already rather than having the payments increase ). Since then, Navient has called and emailed me constantly telling me my loan is due. I make my payments timely ( they are automatic ). I've made 3-4 requests to the company to opt out of communications but they ignore my requests. I feel this is harassment to continuously contact me when I am already making timely payments. The dates Navient has contacted me include : early-XX/XX/2018 - via phone : automated recording ( I have an " important message regarding my loan ''. When I called Navient told me I had an upcoming payment. My payments are due on the XXXX of every month ).

XX/XX/18 - via email - " We haven't received your loan payment - please make it soon '' ( again, my payments are due on the XXXX of every month ).

XX/XX/18 - via email. " Thank you for your payment, it posted to your account. Amount is {$120.00}. '' XX/XX/18 - via email. " Your student loan payment is due. Your last payment was made on XX/XX/18. We're sending you this payment reminder. '' I called Navient in or around late XX/XX/XXXX requesting to opt out of all communications. I spoke with a woman who told me that I wouldn't receive any further communications.

XX/XX/18 - via email. " We haven't received your loan payment - please make it soon. '' The email explains ways that I can pay.

XX/XX/18 via phone : automated recording ( I have " important message regarding my loan ''. When I called in a male rep told me I had an upcoming payment. When I asked to speak to a supervisor I was on hold for 30 minutes, got hung up on and no supervisor ever came.

XX/XX/18 - via email - " We've sent you information about your loans that are past due. '' XX/XX/18 - via email - " Thank you for your payment. Date posted XX/XX/18, {$120.00} ''.

XX/XX/18 via email - " Your student loan payment is due. Your last payment was made on XX/XX/18.

XX/XX/18 - We haven't received your loan payment, please make it soon. '' XX/XX/18 - Called Navient and spoke with a male customer service rep. He confirmed my account is current and not overdue. I told him about these issues and he advised he is taking me off the email and phone lists. It wasn't done before.

I want to ensure moving forward Navient actually removes me from their lists and I won't be harassed by Navient in the future for payments on my account since my account is current.

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been attempting to establish tax escrow on my loan for over a year. I have provided all documentation requested multiple times, but never received a reply, and tax escrow is never established. I do not think my servicer is compliant with requirements under Reg X/RESPA and at this point have no faith they will ever establish tax escrow on my loan. 

I have included a copy of the most recent set of documents provided in XX/XX/XXXX along with all the information requested by their online form they require I use every time. 

I last provided and communicated this to them a final time with all possible information in XX/XX/XXXX after making another tax payment myself, and they again did not establish the account. I received another noticed from my county tax office that a payment is due for XX/XX/XXXX. When I called my servicer today, they advised they " see multiple requests in the system- but it wasn't being done for some reason ''. They advised I would need to pay it again, send the receipt and all information again ( now the 3rd or 4th time information will be provided ). This call was over 30 minutes long, as all the others have been. 

- multiple occasions requested ( and noted in their system ) tax escrow added, most recently XX/XX/XXXX. 
- provided all required documentation requested by servicer, by submitting to their website - provided documentation on multiple occasions, including every possible document available to me from my county tax agency- was never contacted as to any issue or defect with submission, never received any reply - multiple phone calls 30+ minutes in length, most recently XX/XX/XXXX - no information, documentation, or response available online to reference this issue at any point - no phone call received about this matter, only contact ever from them is marketing and ads- again advised XXXX pay it myself and call back with a ticket number so they will take care of it- in XXXX, advised the company that their failure to establish escrow over multiple requests was a servicing violation and advised i wanted to file a complaint and escalate the matter, but nothing was done

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 2019-07-31
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
The company that has caused a problem to me is PayPal. PayPal has permanently limited my account without giving a temporary limitation to show proof of ID, I have 100+ in my account at the moment, and I can not withdraw it or use it due to them limiting my account. I have called PayPal, let them know Im reporting them, and theyve told me that I am stupid for thinking I can report them. I have then asked if they can unlimit my account, or release my funds but theyve told me that they cant because their system doesnt allow people to be unlimited which is a lie. I then asked when I can withdraw my money and they said 180 days! Thats too long and I got to pay fees for other services, so I need my money desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I responded to the most recent denial letter I received. The denial letter states that I was denied due to a negative NPV test. Since they could not bring my payments down, i was denied for a loan modification. Well, in reviewing the inputs, I have realized that the calculations are inaccurate. I would understand why this would lead to a denial. The current interest rate is incorrect. I am currently at a 4 % interest rate and the rate that you have is 6.5 % which will not be occurring until next year. This would make sense why they couldnt bring my payment down. They are not using the correct interest rate.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Please remove it from 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 2023-03-01
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had autopay set up on my Apple Card since the day I opened the card. Today, I got a notification that I was " Past Due '' on my payment. Goldman Sachs failed to process my automatic payment and is trying to blame me! Every single month the automatic payment has worked until now. With absolutely no warning, Goldman Sachs either canceled the automatic payment or intentionally did not process it in order to charge me fees or otherwise attack me financially. 
When contacted, I was simply told I could not be helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I gave my credit card number to a fake moving company which took out a XXXX XXXX on my card and never performed the moving service. I never agreed to a XXXX XXXX  and I try to resolve this with capital one. They failed to refund me for the fraudulent purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have three reps from bank of America said there are no fraud charges on my account and the recovery supervisor said I did which three reps said recover miss gave XXXX XXXX inaccurate information and under THE FARE DEBTS COLLECTED ACT if find to be inaccurate it must be removed I would like it removed and if when someone listen to the tapes of my phone calls you will see my Evidence my phone XXXX I can supply date and times I called

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 2018-10-05
Company: Debt Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They've sent me a resolution agreement letter offering me to pay a lesser amount in order for them to stop harassing me ... ... .Here is the information of the offenders ; When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. 
Between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is DEBT REC SOL. The original creditor was XXXX XXXX XXXX.

Company response to consumer: Closed with explanation