BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted all of my documents to United Wholesale Mortgage for my VA loan modification on XX/XX/2023. Then on XX/XX/2023 I was told that I needed more information to upload to satisfy the underwriting requirements. On XX/XX/2023, I was told that they were not able to open a single document and told me to upload them again. I even was told to email them to ensure they were received. They put me on hold and was speaking with someone and once they got back on the line, they assured me that they were able to open each document and view them and I should be good to go from there. They stated that they escalated the issue to upper management and it should take 3 to 5 business days to resolve. Then on XX/XX/2023, they rejected the documents stating they were not able to open any of the documents, but when I spoke to someone just two days earlier, they assured me that they were able to open each document.. I uploaded them again and were able to open each document on the website after I uploaded them. They asked me to make sure they were in PDF format. 
on XX/XX/2023, I spoke with someone and they said that it should be resolved that day. 
I would get letters stating that I have submitted all of my documentation and it has gone to underwriting. I received over 5 of these letters. On XX/XX/2023, I spoke with another person who stated she was not able to open any of the documents. She then spoke to someone in another department and was told that they were able to open the documents. At this point, I have no confidence that they want to help, and are intentionally not approving my modification on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
An account was disputed and removed due to non validation. It was transferred and re reported even after being removed previously. 

Requested a debt validation and contract in writing with wet signature

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 2021-12-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a case that reveals why identify theft is so rampant -- because it has high reward and low risk. 

My new Wells Fargo XXXX XXXX  was intercepted before getting to me. Approx. {$3000.00} worth of charges were put on my account. After filing a claim with Wells Fargo, they refunded a small portion, but refuse to refund {$1900.00} of fraudulent charges. The reason cited was simply that " the transaction was authorized ''. No other explanation was given. 

I called the XXXX  department 3 times ; each waited one hour and had to give up. I then called up Wells Fargo customer service. The XXXX said she will bring on a XXXX  department staff, but returned with only an explanation for the denial -- XXXX would not refund Wells Fargo on those charges. 

I explained that I never got the card ; customer service rep said they will review this fact.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I disputed incorrect information contained in my credit report in a letter date XX/XX/2023. I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. Please see the attached dispute letter that is dated, and time stamped. I thank you for your kind attention to this matter and hope to receive my updated credit report soon.

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 2021-02-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase bank is changing the terms of our credit card agreement, but the terms are all in legalese and written for lawyers. From what I can make out, they are arbitrarily assigning some things to be counted as " cash transactions '' but it's unclear what those are, in what circumstances that might apply, and so for. 

They state that I have the right not to accept the changes, but when I call in as directed they say they will close my account and destroy my credit. I've been with Chase since they bought Washington Mutual bank in the XXXX financial crisis and have otherwise not had issues with them ( and opted out the last time they changed the terms to force arbitration instead of class status for a dispute ), so I'm trying to figure out this opaque notice and them threatening to close my account if I don't acquiesce. 

Now I'm afraid because I contacted them and said I wasn't comfortable accepting the new terms that they will close my account anyway. What I really want is clarity but the phone operator couldn't provide it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2021-12-26
Company: SECURITY FINANCE CORP
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Went to a dealership where they gave false information to the lender, than gave me a faulty car back in XX/XX/2021 with Professional Finance

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 2020-11-23
Company: U.S. BANCORP
State: MI
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:
XX/XX/2020 I received an unsolicited USBank ReliaCard ( VISA  debit card ) in the mail with a welcome message asking me to activate this new card. I am not unemployed and did not apply for any unemployment benefits. I tried to call USBank twice today ( XXXX20 ) but I could not get through to anyone without first activating the card which I will not do. Nor will I give them my SS number in order to speak with someone. Someone may have fraudulently applied for unemployment benefits using my identity. I don't know of any other way to resolve this issue than to start with the bank that is issuing this debit card.

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 2021-12-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I came to a Wells Fargo ATM to deposit an amount of cash. Using my digital wallet, I gained access to my account and deposited the amount in two chunks since the ATM has a limit on the number of bills that can be deposited per time accessed. After taking the receipt for the deposit, I drove off, but a few minutes later, I received a message that told me that {$200.00} had been withdrawn from my account, and to confirm whether this was done by me. Being sure that I had not made such a transaction, I immediately called XXXX XXXX customer service, and was able to cancel the card and the transaction was flagged down. They started an investigation which continued for a few weeks, and on XX/XX/XXXX I received a letter in the mail telling me that my fraud claim was denied and that they believed that I did the withdrawal or someone that I had given permission to, which is not accurate.

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 2021-03-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
During the past 15 yrs have had synchrony account on and off seems they can close your account when they feel like it even though your paying your payments on time. 
Recently My Credit Score was XXXX had 6 Accounts With Sychrony Financial all XXXX balance but 3 had XXXX Credit Limits over the yrs had credit limit increases as most banks do for being responsible and paying your bill I Never Had A Late Payments always kept low balances so one day I wake up check one of my Accts XXXX Visa Card Found XXXX available then checked all 5 other accounts all showed Closed I Called Waited 1 HR 18 Mins For Supervisor to say sorry closed due to high risk!!!

Now Whats High Risk!!! 
Never late Always Paid My Bills Kept Low Balances Good Credit Score XXXX Dropped 96 Points Once They Closed My Accounts There has to be a law in Affect For This Bank To Stop Messing With Peoples Credit For No Wrong Doing!!!!

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 2021-12-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
tried of this co closing the jcpenney acct, ashely furniture acct to a lower cr amt, these accts are in good standing, the high limits are none of their business, as they knew of it when i open the accts, also there was nothing in the app about real estate values.

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 2021-12-26
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: Personal information incorrect

Complaint:
My current address is XXXX XXXX XXXX, XXXX, CT XXXX. 

Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CT 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 2019-01-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted a complaint against Equifax XX/XX/XXXX. They leaked my info, refused to update my name after I had a legal name change, refused to send my Credit report regardless of my sending legal documents to them showing proof of my identity. 

I filed a complaint with CFPB and Equifax FINALLY updated my name and sent me a copy of my credit report. Finally, assuming that my file has been corrected, I have called repeatedly to verify that there is no longer a security freeze on my credit file, only to be told that no one can help me, that I must speak to their consumer affairs dept. I called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told at these times that their " Systems were updating '' and they could not do anything to assist me. 

I called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX varying between the general customer service line and the security dept. The security dept, after verifying my identity, tells me that they can not assist me because my file has gone to the dept of " consumer affairs '' and that dept is only open XXXX m-f. I ask repeatedly for contact info for the consumer affairs dept and am told that there isn't any, the only way to contact them is to be transferred. I work in an office XXXX m-f. So I called during my lunch hour on XX/XX/XXXX at XXXX XXXX. I am transferred to the consumer affairs dept. I wait on hold for 40 minutes before I hang up and try again. I explain that I am on my lunch hour and have been waiting on hold for 40 minutes. I request someone from the consumer affairs dept contact me. I am told this is impossible. Again, I explain that my lunch hour is over in 15 minutes and I have now been on hold for 45 minutes. The person says to please hold and that they will try to contact someone in that dept. 

I wait for another 15 minutes until the end of my lunch hour, to no conclusion. 

My lease is up on my apartment XX/XX/XXXX and I can not get a new one without a credit check. Equifax is preventing me from getting housing due to their gross negligence and security failure. 

I filed a previous complaint XX/XX/XXXX with CFPB regarding the name change issue. Equifax stated XX/XX/XXXX that they are still working on it, and no update since. How long is this going to take?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/21 - TransUnion signed for and received a letter from me which detailed that TransUnion furnished 30 accounts with Late payments and Transactions without any written consent. These actions were in violation of 15 USC 1681b and 15 USC 1681 ( 2 ) ( a ) ( i ). I sought remedy for these actions along with remedy for inquiry and address removal with an invoice computed using 15 USC 1681n. 

No response XX/XX/21 - TransUnion signed for and received signed for and received a notarized notice of pending litigation in affidavit form and another invoice. In the affidavit, I detailed 175 actions of TransUnion that were in direct violation of the FCRA, the laws violated by TransUnions actions were : 15 USC 1681b - violated 33 times by TransUnion furnishing 33 accounts on my report without written consent ; 15 USC 1681 ( 2 ) ( a ) ( i ) - violated 33 times by TransUnion furnishing 33 accounts with information about transactions and experiences ( credit utilization ) ; 15 USC 1681a ( e ) - violated 30 times when TransUnion improperly validated and verified information that was in dispute. I am the original creditor on all accounts, and I am the only one who can validate the alleged debt, which I have denied validation on these accounts multiple times. Reference to CFPB Complaint XXXX ; 15 USC 1681c XXXX a ) ( 4 ) - violated 13 times when TransUnion furnished 13 accounts that were either charged off or in collections ; 15 USC 1681c ( a ) ( 5 ) violated 31 times when TransUnion furnished 31 accounts with adverse information on it ; 15 USC 1681i ( a ) ( 1 ) ( A ) violated 30 times when TranUnion choose not to conduct a lawful investigation into my disputes. TransUnion did not interview me, neighbors or loved ones when it pertained to the dispute ; and again, I am the original creditor on these accounts and I did not validate the accounts but somehow TransUnion was able to validate the accounts. 

XX/XX/21 - I received a copy of my credit report and some dispute stuff from TransUnion. TransUnion didnt respond to my affidavit with an affidavit ( 12 CFR 1102.33 ).

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 2023-10-10
Company: JPMORGAN CHASE & CO.
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 Creditor had No Permissible Purpose to obtain my consumer report information.

This Creditor Violated Multiple Sections of Federal Law, including but not limited to : - [ 15 U.S.C. 1681b ], Permissible Purpose of Consumer Reports - [ 15 U.S.C. 1681s-3 ], " Consumer Report '' does not include any report containing information solely as to transactions or experience between the Consumer and the Person making the report.

Transactional Information was reported to my Consumer Reports in clear Violation of Federal Law ; FCRA [ 15 U.S.C. 1681a 2 ( A ) ( i ) ] and [ 15 U.S.C. 1681s-3 ], ( ... by reporting this transaction or experience on my consumer report, which CONGRESS clearly states IS NOT included on my Consumer Reports ).

A Notice and Demand For Deletion of these Late Payments on my Consumer Reports was sent to the Creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XXXX This Creditor has not deleted this inaccurate information, nor has responded in return.

It has been well over 30 Days from the date of receipt of my Notice and Demand letter.

Please Delete/ Remove these late payments from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: OR
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:
I have been unable to get my Equifax score or updated report online for almost a year. Whenever I try to log in I get an error message of code XXXX  and I am instructed to call Equifax customer service to resolve this. i have tried multiple times to get this fixed and I'm told it is an internal problem and it will be fixed in 10 business days. that has happened multiple times. Other credit reporting agencies also can not get my updated score or history, so they are still reporting my old score from XX/XX/2022. I have had multiple credit applications denied because companies can not get accurate information from Equifax. 
i previously issued a complaint and Equifax said they fixed it, but nothing has changed and the problem still persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: CA
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:
An Unauthorized Inquiry was reported to my Consumer Reports on XX/XX/XXXX. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XX/XX/XXXX This Creditor had No Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, 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