BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am one of the many VICTIMS of WELLS FARGO HOME MORTGAGE! 

This happened XXXX years ago when I tried XXXX over XXXX months to get XXXX  to modify my loan so I could remain in my home. 

They ignored me, then after over XXXX calls made me fill out the same financial justification documents over XXXX different times and ultimately never granted the loan modification. At that point, I was forced to sell my property at a steep loss ( ~ $ XXXX below what I paid XXXX  years prior ) due to the prevailing real estate market at the time. 

These criminals destroyed me financially! 

What remedy do I have?

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 2022-12-20
Company: Experian Information Solutions Inc.
State: CT
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capital One advertised the following Merchant Offer on its website : Receive a {$22.00} statement credit for signing up for XXXX XXXX Ad-Free Monthly Plan. On XX/XX/2022, I opted-in to this offer and received reference ID " XXXX '' confirming activation. Then, based on Capital One 's advertisement, I signed up for the XXXX XXXX Ad-Free Monthly Plan using the link on Capital One 's website and paying with my enrolled Capital One Venture X credit card. However, as of XX/XX/2022, I still have not received the {$22.00} statement credit that Capital One advertised. I contacted Capital One customer service multiple times but still have not received the advertised statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: MI
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 XX/XX/XXXX Last Four SSNXXXX Account Number : XXXX Date Opened : XX/XX/XXXX My rights as a consumer has been violated by Experian. 15 USC 1681a ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have sent multiple letters to Experian regarding this account on my credit report. Instead of addressing my concerns specifically, they send me an automated response saying the information being disputed is accurate. I do not care whether the information is accurate or not. I do not want my private information on my consumer report. 15 USC 1681a ( 2 ) ( a ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Account XXXX should be in my consumer report at all. I would like Experian to delete this from consumer report immediately.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, There are late payments on my credit report. According to law, I am a consumer. Under federal law this violates my rights and should not be placed on my consumer report. 

The list of accounts is in clear violation of the law, XXXX XXXX Acct # : XXXX, XXXX XXXX Acct # : XXXX has violated my rights. 

15 USC 1681b- Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 USC 1681b ( a ) states - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( 2 ) states - 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 1681a ( 2 ) ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report.

CONSUMER REPORT - ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

PERSON - ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

This is against the law to be reporting late payments on my consumer report, please DELETE the above late payment from my consumer report, this agency is in violation of 15 USC 1681 ( 2 ) ( A ) ( i )

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 2022-12-20
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:
- NO RESPONSE TO DISPUTES I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My husband was traveling for work out of state. He went to a walk-up gas station in XXXX XXXX XXXX New York and XXXX a pack of cigarettes. I saw an unusually large transaction for {$1300.00} dollars come from our account and called him to question the transaction. He said he bought a pack of cigarettes, and it was {$13.00}. We figured out that the clerk entered the wrong amount. My husband went back to the store and the clerk told him that he could not help him and that he would have to file a dispute with the bank. We filed a complaint with Wells Fargo in XXXX, and they credited our account for XXXX and started investigation. They sent us a letter XX/XX/XXXX and stated they concluded their research and denied our claim, they stated they will be taking the money out of our account on XX/XX/XXXX. I called to reopen the claim and they will not assist us or work with us on the XXXX that they will debit out of our account. I have had to fight disputes with other companies and was never told I could not reopen a claim. I feel helpless and I feel that Wells Fargo has done nothing to advocate for their customer. They did say they would send me " documents '' that concluded their investigation, but I will most likely not receive them for another 30 days. I feel absolutely helpless, and I am being put in an awful situation. I know I am just a number to them, but I hope to advocate for future consumers. I do not have funds to hire legal services and I do not know what to do. I am extremely hesitant to use a debit card ever again.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As of XX/XX/XXXX, Ive been unable to get my credit report or score from XXXX and experian. 

Ive called and Ive emails. To include. Ive even submitted my drivers license to the specified website that they requested me to upload it on several times. 

After several phone calls to them, I am still unable to have this issue resolved as we move into XXXX I am requesting immediate attention be given to this, as it is preventing me from doing things related to my credit.

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 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX an amount of {$1300.00} and on XXXX and amount of {$1300.00} were deducted and transferred from my DEBIT account to XXXX accounts whom I have never sent money to before nor do I know who these people are. I had initially filed a claim with my bank but nothing had happened they said it was a lost case due to it being under XXXX. I had left the country and now I'm back and I still need to get these funds back. I thought this issue would be resolved. I have no idea how these funds were transferred to these people I tried contacting them but nobody answered me. I hope it wasn't a link I pressed or anything because I had never lost my phone or gave anyone my phone to use so I have no words to how this could have happened. 

The XXXX  transfer confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-20
Company: EQUIFAX, INC.
State: NY
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed dispute with XXXX, XXXX and Transunion, but i have only heard from XXXX and XXXX. Its been over 60 days and I haven't heard anything from Transunion. XXXX an XXXX reported that the information was verified and accurate but I have proof that that is not true or accurate. 

XXXX XXXX has deleted the bankruptcy off my consumer report and the US bankruptcy court verified that they do not report the the credit bureaus.

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 2023-05-26
Company: EQUIFAX, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
My payment from Equifax hasn't come in and I asked for another code as well I don't get a responds. Is there a way to get a losn??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This started in XXXX. Between XX/XX/XXXX and XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX also known as XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm. this firm promised increased growth because of their advanced bot system. 
When all deposits were made the company refused to follow through with providing the funds that was promised. As soon as I realized this I contacted Coinbase twice, they do not send any recommendations but to report this crime to the police. The police are not equipped to investigate crypto currency. As it is new and the scammers no doubt take advantage of this. Coinbase has not taken any actions to rectify this issue which is why I am filling a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: VW Credit
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX of 2022 I called Volkswagen credit XXXX  XXXX twenty times. I had paid a payment of XXXX to cover up to XXXX for XXXX and XXXX. I paid XXXX and XXXX but not XXXX. They were overcharging me and taking thirty days to complete a payment so It would be late and they would not fix the problem. Then I did not pay the month of XXXX after trying to reason with them in XXXX and get help with the loan as they were charging {$250.00} for late fees at this point without any letter of late fees change from XXXX to {$15.00} and then so on up to {$250.00} for one month for one late fee, and for being so upset for not being listened to and for paying XXXX a month in a COVID crisis. Two days before my due date of XX/XX/XXXX, they repossessed my car without any warning. In the state of Massachusetts that is illegal. There must be three letters of repossession warning before a car is taken and I got none. Then after they stole and sold my car for XXXX, they did not give me the remaining balance. As I only owed XXXX to XXXX at this point. Therefore they owe me money or the return of the same car with the same payment plan. My name is XXXX XXXX and my number is XXXX and I want XXXX!!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Exeter Finance Corp.
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:
The company is committing fraud violating my rights to privacy and accurate information on my credit report reported by the company EXETER FINANCE LLC. I submitted a complaint XX/XX/XXXX for inaccurate and false reporting by them on my credit report, they had 30 days to update my credit report with ACCURATE information, on XX/XX/XXXX i received a response saying they updated the inaccurate information and in fact when I checked my credit report on XX/XX/XXXX I noticed all the inaccurate information was there including false reporting like reporting to XXXX that I made OK on time payments 4 times XXXX, XXXX, XXXX, XXXX, when in fact the car was repossessed and auctioned off in XXXX of XXXX so reporting on time payments after that is illegal and a violation of the FCRA, I submitted a complaint around XX/XX/XXXX and they responded XX/XX/XXXX that I didnt provide any new information and what they have reported is correct which is a lie, I called EXETER XXXX XX/XX/XXXX at XXXX ( PT time ) and I spoke with XXXX who XXXX to her higher up XXXX who told me after speaking with her manager they arent sure what the usc codes in my complaint means, but they closed the complaint out. How can you close a case as accurate when you never investigated in the first place. Im trying to save this company money as well as both of us time on having to go through a lawsuit. I want the account terminated and deleted from my credit report immediately as the company has violating multiple FCRA laws and now making false responses on the cfpb complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on serval dates XXXX. XXXX, Equifax and XXXX have completely disobeyed FCRA. they have not removed personal information that needs to be removed immediately. XXXX, Equifax and XXXX have not marked accounts as disputed. So, I'm requesting that they delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
I have submitted a letter for Method of Verification Request to Experian in which I have exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : * The description of the procedure used to determine the accuracy and completeness of the information. * Name, address, and telephone number of each person contacted regarding this alleged account. * A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I have requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
They have not comply and provided under the specific time the information required under my rights.

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 2023-05-26
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received far more than 7 phone calls within a 7 day period. Woke up this morning to 4 calls back to back ( by the second! ) that rang for about 1 second and then ended. This was at XXXX they knew they couldnt legally call just 5 mins earlier and didnt waste any time once it hit XXXX. The repeated calls happened again while I was at work this afternoon. I can prove that they have contacted more than 7 times in 7 days with my phone log. It was over 8 times today alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: GA
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 # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 # 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.

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