BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX , IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6400.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello I filed a complaint with these same scammers back in XX/XX/2022 and today they are back at it calling my husband and daughter and leaving urgent text messages. The scammers are XXXX XXXX  XXXX XXXX  trying to collect from capital one credit card saying I need to pay a settlement amount before it hits the court in XXXX XXXX ohio.i have nothing of this matter pending anywhere in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022, capital one closed my account based on an accusation of one of my XXXX recipients claiming they did not send any payments to me, which they did. I wake up, I see my bank is locked and I call and try to explain everything and they literally did not care or even CONSIDER my word. I even offered them concrete PROOF that the person sent me money. They claim he is disputing the payments with his bank. I'm like how in the entire heck will I even have access to someone's bank and send money to myself on XXXX? Ridiculous. They then tell me they are closing my bank and I should get a check in 10-12 business days. I'm checking the mail, I realize I didn't even get any check yet and I call them today just to verify if it's sent yet and ask when was the check mailed out. The fraud team then tells me " A check has not been mailed out yet because we're still investigating if its fraud or not '' I'm furious and absolutely XXXX because not only did they lie and tell me my balance is going to be mailed to me after they claimed they are closing my account, they didn't even TELL me that my funds will be HELD! I am so disgusted with capital one, choosing someone's word against mine. The worst bank I've ever experienced in my entire life. The first time I tried to get this handled, the ladies I spoke to in the fraud department sounded very rude, standoffish, unprofessional, and not of any help over the phone, then asked me about payments I received from other people that weren't even disputed. Like why are you trying to solicit unnecessary information from me? The lady I spoke to today claims that they do not even know when I will get my money or when this insanely slow " fraud '' investigation will be over. I'm appalled. The email to my capital one account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Truist account online with the promo code XXXX. The bank claims that upon two direct deposit of {$500.00}, totaling {$1000.00} within 90 days will allow a {$400.00} sign on bonus to be deposited into account. So far I have met all requirements and have yet to receive my {$400.00} bonus. Seems like false advertising

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 2023-05-27
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I got sick in XX/XX/XXXX. I lost my job. I had XXXX  and was out of work for months. From day one I have been in contact with my mortgage company. updating them monthly on payments or when i can make payments. i ended up being put on a forbearance. this helped me get some payments done. I was still unemployed. i called back to see if there was anything i could do. they told me i could apply for putting the past due payments on the back of the loan when the forbearance was done. i called back and was told the fha loans program had changed and i had to wait 90 days past due to apply for this payment assistance. At this point i was working and i had told them this. i wanted to start making payments but was told i wouldnt be able to get help with the past due if i dont let my account go 90days past due. i was very scared to do this, but did it. im not even to 90 days yet, that will be on XX/XX/XXXX. i called on XX/XX/XXXX and spoke with an advisor who took all my info for the form to apply for the assistance for putting payments on the back of the loan. i called on XX/XX/XXXX and was told that i was only able to apply for either the forbearance or the other program i couldnt do both and also 90days will show up on my credit. this is the first time hearing this. i was very upset. i asked to speak with the manager. i explained my situation and he told me i have a job and im unable to apply for ANY kind of assistance. i was very upset and was crying. this was extremely stressful for my situation. i called back and spoke with someone, she made one comment let me fix your notes not sure if she was changing my notes. then told me whatever the manager told you, is what you have to do. i asked again what were my options to get my account current and she said my ONLY option was to pay my mortgage. she told me personally if it was me i would be getting a loan or selling stuff, anything to pay my mortgage. she told me at the current date there was nothing i could do. i said at what date can i get assistance and she would not tell me. at this point i have talked to multiple people everyone says different things. this is going to effect my whole family and my health. i was told by this company to stop making my payments to be able to apply for help. this is not right! i have contacted an attorney for legal help because this is my first time owning a home, i dont want to lose my home. i thought by keeping in contact and explaining my situation that wouldnt happen. i dont trust them. i feel like im being punched. i also have names of the people i spoke with as well as the manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB ; I was a Wells Fargo Mortgage customer. After Wells Fargo received over {$1.00} XXXX of taxpayer funds for delivering mortgage modifications, I requested that my mortgage be modified. 

Wells Fargo dragged my {$320000.00} mortgage modification request out for over a year, while continuously demanding that I pay my interest-only mortgage on the property. The company kept requesting more information and kept telling me that my request was " in evaluation ''. Wells Fargo never evaluated my request. 

Wells Fargo foreclosed on my property. I lost my {$120000.00} down payment, and the property. This was my entire life-saving. 

If Wells Fargo would have modified my mortgage as promised, today my property would be back to its original value.

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 2022-12-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed multiple disputes with these companies DUE TO THIS BEING fraudulent BECUASE I NEVER HAD ANY BUSINESS WITH XXXX XXXX. and they are not responding and leaving this negative information on my credit report, causing it to hurt my credit score and bring it down. I am in the process of buying a house and this effecting me bad. 

XXXX XXXX  - ACCOUNT IS NOT REPORTING 100 % ACCURATE. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I would like to submit a complaint. I am also aware that capital one may retaliate by closing my account for whatever random reason that they choose to select because of this complaint. I have 2 capital one cards 1 with Walmart and one regular capital one card. My payments are due on the XXXX of each month. I made both payments at the same time XX/XX/22. Walmart card was charged a {$28.00} late fee and my regular capital one card was not. I called and spoke with a supervisor and was told it was because I made my payment after XXXX XXXX. I do not show this stated anywhere in your payment policy. It shouldnt matter if I make my payment at XXXX on the XXXX as long as I make it on the XXXX it should apply. 
Supervisor I spoke with was XXXX XXXX she placed me on hold 3 times for XXXX minutes supposedly looking for a resolution all to get back on the phone to tell me there is nothing she could do. I also made XXXX Extra payments in XXXX to get me a month ahead to prevent late fees because I have XXXX jobs and I forget while you guys are Late fee HAPPY and I STILL ended up with one. 
When it is my Error I will pay my late fee like ive done in the past. THIS IS NOT MY ERROR.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am a victim of identity theft!! Please add a fraud alert on my credit as soon as possible to stop this!! I was researching " The Fair Credit Reporting Act '' and according to them, block all fraudulent information off my credit in four business days, thank you!!!

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hi this is XXXX XXXX XXXX, I am contacting the Consumer Financial Protection Bureau about my personal information with Trans Union, They are reporting names, addresses and phone numbers inaccurately. I reach out to them with the right information with copies of my Drivers license, social security card and a credit card statement.

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 2022-12-22
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to remove PMI from my payments, since my home value has increased way over the amount to meet the LTV requirements. I was in the middle of this process with a previous lender ( XXXX ) but during that, my loan moved to another company ( Freedom Mortgage ). I have provided the current, official tax apraisal that was done recently by XXXX county which increased the valeu of the home from XXXX to XXXX. 

I waited a few months since my last complain here and contacted them, now they are saying that my LVT is not met, even that in their own report they are listing my property at XXXX USD but apparently for PMI removal they are only considering the XXXX value. 

I also have received a few letters from them offering me to get money out of my loan, since my property value has increased, but they are also not considering that. 

I sincerely do not know what to do next since the seasoning is definitely over ( more than 24 months ) and my LTV right now should be about 60 % and not 81 %, basically dividing XXXX / XXXX and not XXXX / XXXX. 

I am attaching their last response which clearly states the value of my property ( as is ) as XXXX. 

I did also speak to a loan advisor at Freedom Mortgage and he agreed that the letter was wrong since they should be calculating the LVT against XXXX and not XXXX, however he was not able to change anything since it was a different department.

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 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone has a capital one card credit in my name and has had it for some years now. Ive been a victim of identity theft for a few years now it had gotten so bad now the IRS has to send me a pin each year to file my taxes because someone had tried that wasnt me. I have a bankruptcy case scheduled in Delaware court in XXXX and I have NEVER lived in Delaware nor filed for bankruptcy i dont know who has my information but its making my life extra hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX TV XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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 submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following items immediately : 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 BankruptcyXXXX XXXXXXXX BankruptcyXXXX XXXX BankruptcyXXXX 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 non-monetary relief
Consumer complaint received 2022-12-22
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following items immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX  XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This card reported late payment on my account on XXXX XXXX 
I was locked out of my account and I was unable to make payment online took multiple trys to get some one on the phone. Per customer service not enough staff due to Covid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22
Company: Bread Financial Holdings, 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:
I received a notification on XX/XX/2022 that this company ran a credit report. I have nothing to do with this company. 
XX/XX/2022 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief