BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I have a mortgage with XXXX XXXX and they have been denying my modification request and assistance for over 2 years. 

They keep telling me that I need to clear the irs liens on my county report but the liens are not going anywhere until I pay them and if I could pay them then I would not need a modification. 

I contacted the irs to do a subordination agreement on XXXX XXXX behalf and they never sent the irs information to complete the subordination on the liens. It's like XXXX XXXX wants me to loose my home! The irs liens are from a bad business that went bankrupt and now I have the irs lies from Im 2019 with The taxes from the business. 

I'm teuk f to keep my home and they want to foreclose on me and only offer me a short sale! 

I need a modification. Or payment plan and they will help me! 

It's just modification which means modifying my current mortgage not a refinance and I do not know why the liens ars playing a big factor on me keeping my home. 


Please have them understand the the IRS and state of Virginia liens are not going anywhere and I need to keep my home! 

Im also going to file a discrimination complaint again Truist because I'm beginning to believe they are practicing discrimination against me and my co borrower because we are XXXX! 

My co borrower is a XXXX veteran!

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 2023-10-07
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting 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:
Please see the attached documents to understand what had happened.

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 2023-06-14
Company: EQUIFAX, INC.
State: MI
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:
Well these credit companies have been using my social security number fraudulently with the banks for a while ..Ive been scammed lied to and at this point they gaslighting wanting me to believe Ive never had any credit..The banks blames the credit companies and the credit companies blames the banks.The bottom line is that my trust was broken and violated. ( MEANING ) STOP saying Im the DEBTOR on and account!!!!!!!!!!!!! I am BENEFICIARY/ XXXX on all of my accounts with my SSN number.These credit companies lied and have several VIOLATIONS that have made on my account.I hold these bureaus or the UNTITED STATES TREASURY responsible for this ..I will no longer be treated poorly and lied to like a dog.15 usc 1681 will update you on what your job is.Nothing about these companies is TRUTH OR LENDING the trust is broken and I want to be reimbursed for PERSONALLY REDLINING me to the XXXX.I can prove all the credit companies lied on my reports I have never been approved for any CREDIT until recently which was a car financial charge for my car.But besides that A BIG FAT NOdue to CREDIT REPORTING.EVERY CAR LOAN DENIEDI JUST APPLIED FOR A APARTMENT DENIED.EVERY time I apply for any type of credit card from any MERCHANT. ( DENIED )!!!!!!!!!!!!!!! I dont understand how Im denied when XXXX XXXX is ACTIVEEEEEEEWho works for the LIVING WOMAN or MAN???? Ive been lied to and DECEIVED MY WHOLE ENTIRE LIFE!!!!!!!!!!!!!!! ! Forced to sit hungry instead of receiving CREDIT CARDS TO PURCHASE FOOD or things for my family needs.This is unacceptable when THESE same CREDIT COMPANIES give XXXX  and also XXXX CREDIT CARDS n loans all day every day.WHAT IS GOING ON????? CFPB.???????????? Why are XXXX receiving CREDIT LINES AND LOANS and me as BORN N RAISED in the UNITED STATES OF AMERICA denied my whole LIFE?????!!!!!!!!??? I am not asking Im TELLING YOU GUYs to do your job and hold these fraudulent companies responsible for redlining SO CALLED XXXX AMERICANS..Im not XXXX Im XXXX to this land and will be treated like any other customer.The discrimination and racist actions needs to be investigated the banks and credit companies until they stop DECEIVING LOYAL AMERICANS that is protected thru the CONSTITUTION.Have you guys forgot the OATH you all took????? Well Ucc 1-308 just in case you forget..However get this complaint please do right by the people and please stop letting these corrupt companies ruin good relationships with honest BEINGSI want 1,000 per violations found by theses credit companies and I will be consulting legal options because this is truly unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NY
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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Ive been having issues with Robinhood regarding funds I have in a account that I cant withdraw. One year ago I deposited some money for stocks I later found out my bank rejected the deposited cause they thought it was fraud so I had to call and verify it was me the next couple of days I received a email from Robinhood deactivating my accounts and holding the funds I had in my account I repeatedly messaged Robinhood to explain why I couldnt withdraw my funds they wont explain to me or let me talk to anyone regarding the matter this is very frustrating and borderline criminal I sent in id verification but no one has gotten back to me I really want to get my money back and never use Robinhood again criminals

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My business name is XXXX XXXX XXXX. 
The case number I was given by Capital One Bank about my case is XXXX I opened a business checking account ending XXXX with Capital One Bank in XXXX. I have used this account many times for my business. 
On XX/XX/XXXX, I wired {$100000.00} to another construction company that I do investment with. On Capital One bank online banking I did the wire transfer. After the wire transfer, online banking system showed that my wire transfer was successful. I have a screenshot of the notice. However, on the 2nd day, XX/XX/XXXX, when I logged in to my online banking, the system showed that ALL OF my money is not available, I needed to call XXXX. I started to call this number On XX/XX/XXXX, that day from XXXX XXXX until XXXX XXXX., Capital One Bank transferred me many many times to many different departments back and forth, but nobody could explain to me why my money was not available to withdraw. I stayed with them on the phone for 6 hours on that day. 
On the second day XX/XX/XXXX, my checking account was not available. I called the same number again. I was TRANSFERRED by them many times to different departments back and forth again!! Many times I was transferred to the wrong department and the wait was a very long time. I answered all the questions they asked and did whatever they asked me to do, but the result was the same, my money still showed as NOT AVAILABLE FOR ME TO WITHDRAW. I am doing business with my money I am losing money each day because they are holding my money. 
I did not call them on Monday XX/XX/XXXXXXXX  because I thought they might work on my case. But the answer is NO, the restriction is still on my account. 
Today XX/XX/XXXX, Tuesday, I called the same number shown on my online banking from Capitalone Bank Again. I have been transferred 3 times. The last manager I spoke with was from their business account customer service department, he told me that theres NO restriction showing on my account, but a specific agent from the Fraud department also called the customer protection department which I or they are not able to call, that agent put the restriction on my account and it has to be that agent to take off the restriction from my account. Also, they have emailed that agent about my case many times since XX/XX/XXXX, but no one knows why theres still a restriction on my account. Sounded like The only thing they could do was just wait and hope that agent checks the email. But if that agent does not check email, my money will be held by them forever!! 
I am losing money because Capital One is holding my money and also wasting time. I need help to get my own money out of Capital One Bank!!! 
I have saved many managers ' names and ID I spoke on the phone I am happy to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: DISCOVER BANK
State: NJ
Product: Credit 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:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Request for Re-investigation of Fraudulent Transactions and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request that my case of aggravated identity theft be reconsidered and re-investigated by the respective financial institutions : XXXX XXXX, XXXX, XXXX XXXX, Discover, among others. 

I have previously disputed fraudulent activities in my accounts with these financial institutions. Unfortunately, I have not been fully reimbursed for the monetary losses incurred due to these fraudulent transactions despite presenting substantial proof to validate my claims. 

According to the United States Department of Justice, I have been a victim of aggravated identity theft, affirmed by several letters that they have issued to me as proof. This grave situation has not only caused me severe financial distress but has also impacted my credit history. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau. I kindly urge you to instruct these financial institutions to properly revisit my case and conduct thorough investigations again into these fraudulent activities and transactions. It is crucial for me to recover the money stolen from me and also to ensure that such an incident does not reoccur. 

To further substantiate my claim, I am ready to provide any necessary documentation or support that would be needed in the due process. I am keen to cooperate fully and provide any additional information as requisite to expedite the resolution of this matter. 

Your prompt attention and assistance in this matter would be greatly appreciated. Please advise on the necessary steps I should undertake to progress this issue favorably. I, hereby, also extend my sincere thanks for your service in advance. 

Thank you for considering my request. I look forward to a favorable resolution of this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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 MULTIPLE NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2023-09-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX, XXXX, and XX/XX/2023 I requested that all invalid information such as incorrect name and address be erased. As of today, they have not done it, The names aren't mine and the address is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion, Please see attached complaint - I was a victim of identity theft and need fraudulent information fix 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 non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The names and address on my credit report are wrong. i never lived at any of these address and none of these names are mine. these are the names that are wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the wrong addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX texas XXXX XXXX XXXX XXXX XXXX texas XXXX These are they wrong employers. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 informations inaccurate. 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 explanation
Consumer complaint received 2023-03-31
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:
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These creditors have 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 believe that the information is inaccurate.

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 2023-09-22
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX 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 non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 not authorized a credit inquiry nor have I solicited a credit card from your company. 
Please remove the hard inquiry from your records and update my information to all of the credit reporting agencies. Thank you!

Company response to consumer: Closed with explanation