BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/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 2020-08-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home to lower the interest, I had a check mailed to me for escrow balance.. the check was stolen out of my mailbox, the perpetrators opened a virtual wallet account at XXXX XXXX.. I contacted XXXX and XXXX XXXX right away to stop the payment to the perpetrators. XXXX listened to me and stopped the payment to the perpetrators and is holding the funds and I have a direct contact at XXXX to contact. However WELLS FARGO AND XXXX XXXX HAVE NOT CONTACTED XXXX TO RETURN SAID FUNDS TO WELLS FARGO AND REWRITE ME A CHECK FOR MY MONEY .... I have done everything XXXX XXXX has ask and nothing is happening ... This has been going on since XXXX!!! 100 's of phone calls later and nothing!! The only person I have a direct contact with and holding the funds is at XXXX they have been awesome.. I spoke with XXXX at XXXX today and NO ONE has contacted her and my money is still sitting there. Will someone please help..

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 2023-10-16
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services tried to collect this alleged debt prior date XX/XX/2023. I made an FTC and CFPB complaint on XX/XX/2023, and the results came back that the alleged debt collector closed the account. Now they are trying to reopen the account. Complaint ID XXXX On XX/XX/2023, I received a letter in the mail from Credit Collection Services for the alleged debt, to collect on a debt not owed. My supporting documents will show the CFPB complaint and the response from the debt collector.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX, I disputed this account twice which resulted in the account being removed both times. As of XXXX XXXX2020 this account now reappears on my Equifax credit report. I never received any notification that this account would be reinserted on my credit file. Why is this company allowed to remove an item then reinsert the same item with new dates. That is a direct violation of the FCRA. Please investigate this. I would like this item removed from my Equifax credit file just as it has been removed from XXXX  and XXXX. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express Airline card I called AmEx on XXXX XXXX, 2023 to request a {$16.00} late fee be removed. I have been a long time customer of theirs and in the past 12+ months have always paid on time. My account is due on the XXXX of each month. I accidentally set up my on-line bill pay to send out the payment on the XXXX rather than it be paid on the XXXX. Granted a silly error on my part and I thought AmEx would be reasonable with me to reverse the fee given my good payment record. Realize with the 1 day late payment, the account was paid on the XXXX, AmEx increased my interest rate at well. Since I typically pay this account off monthly I did not complain to their customer service representative ( CSR ) about the rate hike. The CSR advised me that the fee was automatically applied and could not be reversed. This I told her was a silly response, to say automation applied it and a human could not reverse is just XXXX. I asked to speak with a supervisor and she expressed one would call me back and repeated my phone number to me. Well its been over a week and no one from AmEx has called me back to reverse my late fee. The CRS did offer to give me 3000 airline miles to appease me but I still wanted to speak with a supervisor. I understand automation but I need for a human to review my payment record and decide whether or not they value me as a customer and to be reasonable. I am disappointed in this large corporation and their CRS area.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: GA
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:
Despite all my efforts to have the accounts corrected and or updated, for I believe they are reporting erroneous information on my Credit File, the Credit Bureaus opted to ignore my written requests and not comply with the FCRA regulations. Upon reviewing my updated Credit Report, it is clear tha the Credit Burueas have done their best at nothin! I have read that the Credit Bureaus are required to verify the authenticity and valididy of the information that each account reports. The information reported are outdates, erroneous, and misleading. I am now submitting this complaint to protect my rights from the indefference of the Credit Bureaus. I need the following accounts corrected as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00}

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 2020-07-30
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Social security # XXXX Good morning I have a little over two weeks of trying to get a new card issued for my unemployment benefits and have already fax all the information that was requested from me such as identification and proof of residency. Ive called Reliacard services and no one has helped me fix my address so that I can get a new card issued. I keep getting transfer over and over and I do not mind the wait time If only I was getting the assistant that I need. Ive tried calling different numbers and I cant get any help my benefits for unemployment have already been issued to the Prepaid Reliacard. My rent is coming up and I am having a bit of anxiety that I cant get a card sent to my correct address.

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 2022-07-26
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
FILE A DISPUTE US BANK HOME MTG XXXX The account is not in deferrement status. The account is closed/paid in full. 

Please correct comments. Please remove negative deferred comments. 

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 2021-10-23
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attempted to refinance with Freedom Mortgage and I sent them all the documents they requested. In XXXX of XXXX I was scheduled to close on the refinance and Freedom Mortgage on the day of cancelled. They claim they need more documentation. I gave everything I could provide and they continue to request more and more. I never closed on the refinance and mortgage payment remain high causing me to experience an hardship.

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 2018-11-05
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I have applied a Chase XXXX XXXX card by using the online portal of Chase. I have clearly read the terms and conditions ( price and terms ) before apply the card and its clearly mentioned like " 0 % Intro APR for the first 12 months that your Account is open. 
After that, 17.99 % to 24.99 %, based on your creditworthiness. 
These APRs will vary with the market based on the Prime Rate ''. After I have applied they approved my card with APR of 21.99 % and they didn't provide me the promotional APR which mentioned in online. I have contacted Chase customer care immediately and they " that was a computer mistake, you will get 0 % APR, please wait 2 or 3 days '' but didn't get that. So, I have contacted again, and went to Chase branch to rectify the issue ( showed them the document which I have downloaded from online, and also showed them the Chase online website, sent the screenshot ) but they are now saying " I have applied the application with APR, and they are unable to change anything ''. 

Logically : if its showing APR in price and terms, I wouldn't have apply the card. Also my friend which referred me have the 0 % APR. 

This is completely misleading a customer like me. Please review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
We requested late payments be removed during XXXX time period since we should have been protected by the CARES ACT. The mortgage company/bank did send a letter on XX/XX/XXXXXXXX XXXX XXXX XXXX to all 3 credit bureaus requesting that the late payments be removed for 2 mortgage loans ( second one was ARM/balloon ). The main mortgage loan lateshave been removed, however the second loan account lates have not been removed yet. It has been 45 days since the request to remove, and needs to be updated immediately as we are trying to purchase another home and this is keeping us from doing so. I am attaching the letters from the bank/mortgage institution for proof.

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 2022-03-30
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I closed on my first home with a two income family. I was in a same sex marriage that didnt last so I got divorced and was remarried in XX/XX/XXXX, to my currenthusband. In XX/XX/XXXX, my husband lost his job due to XXXX XXXX XXXXssues. In XX/XX/XXXX I filed for forbearance help due to covid. Thinking I was able to keep my home, but actually was not able to, I notified my mortgage co about my bankruptcy and even told them when I was XXXX from XXXX ( XX/XX/XXXX ). My XXXX lawyer has sent the info USBank as directed, multiple times. Many phone calls and many many different representatives giving replys and directions on what they want me to have done to get a deed in lieu. So XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX documentation asking for the application for deed in lieu was submittedby XXXX XXXX XXXX XXXX XXXX and XXXX. I have copied, signed and sent in every single thing I was asked to provide. I finally got the application to file for the deed in lieu. Filled it out, signed, attached documents and ink signed, I sent it all to the direct email of USBank for documentation to them ( per their request ). As of today, XX/XX/XXXX, they want something else now, that makes no sense. I submitted the quit claim deed they asked for on the house and that isnt good enough, even though that is exactly what they asked for. I have on many occasions told them I have mental illness and that THEY ( usbank ) are causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Causing an increase in my XXXX XXXX And for what ever the reason is, usbank will NOT approve anything to get this case closed. I have an fha loan and now USBank wants something that was already provided. I've been continuously Trying to resolve the issue very much so, I called today and was cut off, talked over and transferred four times, XXXX, XXXX, XXXX and XXXX are who I spoke with. None of which were able to help resolve this with them. Two managers, XXXX XXXX and XXXX XXXX have had many messages but not one return phone call. I personally asked ms.reynolds for the paperwork needed to give the house back because I was unable to resume payments, and never got those papers either. I have been on the phone with them over an hour just today. I am on XXXX XXXX XXXX and only get a monthly check to live on. This situation is causing extra stress with the bank threatening a lien on the property because a past due water bill ( that I've been trying to get help paying ) also, my electric bill was tripled due to the last bill tacked to my new bill, and I'm on a heap/pipp budget that just got approved. It has been nothing but XXXX XXXX XXXX XXXX XXXX  USBank. I am not sure how much more I can personally take, before having another 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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-07-26
Company: Experian Information Solutions Inc.
State: CT
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 into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items to be disputed : XXXX XXXX XXXX AV XXXX, CT XXXX XXXX XXXX PARK AV XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$490.00} XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00}

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 U.S.C.1681 Section 602a states that I have a right to privacy.

15 U.S.C.1681 Section 604a Section 2 states a consumer reporting agency can not furnish any account information 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
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
15 U.S.C 1602 ( g ) there is no valid proof of the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. 
Equifax removed credit transaction ( XXXX ) from my consumer report but left a furnished account that says below : ( XXXX XXXX XXXX ) The remaining credit reporting agencies have not removed this account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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:
I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal or deletion of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
there are other address and accounts and collections reporting to my credit report and i have zero knowledge of who opened these accounts and how but they dont belong to me and this really frustrating that someone was able to use my personal private info i can never feel safe again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Thank you for taking the time to help me in this important mater. I notice couple fraudulent inquiries on my consumer report. I do not recognize. Please delete this inquiries. 
XXXX XXXX  or also know as XXXX XXXX XXXX Inquiries were made XXXX XX/XX/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 2018-05-09
Company: MIDCOUNTRY FINANCIAL CORP
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Debt collector is calling 8+ times a day and is also calling and harrassing friends and family by somehow getting their private numbers. it was my understanding that I had settled with the debt collector for a predetermined amount yet they continue to call and harrass myself friends and family. if they had told me a certain amount was all they were wanting and I have paid that amount they need to stop harrassing me for more money. We had an agreement.

Company response to consumer: Closed with explanation