BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been with USAA for decadesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I took out {$1200.00} on the credit card to start another bank account. My attempts to repay it failed, and I have been unable to access my account on their website. They have charged me XXXX XXXX dollars of bogus late fees, and ruined my credit rating. Which was good, since I repaid {$10000.00} in loans last year. 
I have been absolutely unable to pay them, or access my account. I have spent hours on their XXXX phone system listening to theiXXXX XXXX XXXX XXXX only to be cut off or transferred to people who don't answer. They give me numbers that don't answer, send me emails that can't be replied to, and tell me to go to the website that I can't get into. It's making me nuts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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 XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an 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. Furthermore the above accounts were created without my knowledge and I demand that the attached account be permanently removed from my credit file.

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 2023-03-24
Company: Experian Information Solutions 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:
I went to an auto dealership and they told me that they were only doing a soft pull on my credit but as soon as I check my credit report, I realized that there were many hard inquiries reported on there. These inquiries are 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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: CA
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I contacted Amerisave Mortgage to refinance my home. 

I signed a disclosure on XX/XX/2021. Due to inept mortgage broker, I closed on XXXX XXXX. My lock ran out in XXXX : however this broker assured me, as well as his supervisor, that they would honor the terms of the original disclosure. 
When I went to closing, Amerisave increased my cost for points from {$6500.00} to {$14000.00}. I objected to this increase and they reduced the points to {$10000.00}. Using the same interest rate in all cases. They would not honor the original points as verbally agreed upon. 
I had problems with this company : from the start, they had 2 applications open for me, One was a refi, the other was a refi with refi with cash out. I gave them my visa credit card info for the {$500.00} application fee. This was returned to my bank because when they cancelled the refi they cancelled both applications. I received an email stating this ; I immediately called to have them correct this. I verified with my bank that I had not cancelled this fee which the bank verified that I did not. It had come from Amerisave. 

I also had to remind them several times that the appraisal was not done. It appears that when they cancelled the refi this cancellation caused a problem with their scheduling department and everything was in disarray.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Im a XXXX citizen who wanted to wire money to XXXX, an equity administrator for the company I was formerly employed with to exercise my stock options. 

XXXX had provided me with detailed instructions to wire money to their checking account at Wells Fargo Bank. The amount was {$67000.00} USD. On XXXX XXXX, I initiated this wire transfer from my bank named The XXXX XXXX XXXX XXXXXXXX in XXXX. 

After waiting more than 7 business days and no acknowledgement that XXXX received my money in their Wells Fargo checking account, I contacted my bank to issue a wire trace. My bank informed me that Wells Fargo had refused my wire transfer and has also refused to disclose the reason. 

Wells Fargo Bank also refused to return my money to my bank as well. This lack of transparency is extremely frustrating and now I have lost {$67000.00} USD. 

Can someone please help me with Wells Fargo Bank to resolve this issue?

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 2021-01-20
Company: Firstsource Business Process Services, LLC
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:
I have stated that I am a victim of an identity theft, and the alleged fraudulent account that FIRSTSOURCE ADVANTAGE is attempting to collect the debt from me is not my account. 
I have submitted a following documents to FIRSTSOURCE ADVANTAGE back in XX/XX/2020. Please cease FIRSTSOURCE ADVANTAGE attempt to collect the debt is not mine and fraudulent. 
1. PERSONAL IDENTIFICATIONS 2. FTC IDENTITY THEFT REPORT 3. POLICE REPORT 4. FCRA SECTION 609E 5. FCRA SECTION 605b Also, FIRSTSOURCE ADVANTAGE failed to provide me with the following documents that I have requested on the date of XX/XX/2020. FIRSTSOURCE ADVANTAGE has to validate and verify that the account is mine if FIRSTSOURCE ADVANTAGE want to collect any alleged debt. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications A sworn statement from the person who witnessed myself applying for this account Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-04-01
Company: SANTANDER HOLDINGS USA, INC.
State: MS
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:
Santander Consumer USA is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Santander Consumer USA to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Santander Consumer USA did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking Santander Consumer USA to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: KEYCORP
State: NY
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/2023 my debit card was used in Ohio to purchase {$600.00} worth of carpet. I live in XXXX  XXXX, where I made a purchase earlier that day. Key Bank did NOTHING to protect this fraud from happening, and instead my account was over drafted by {$300.00} ( I had {$300.00} in the account ). 

I called Key Bank immediately to report the fraud, and they claim that they are investigating and it could take up to 90 days to get my money back. They also take 7-10 business days for a new debit card. 

This isn't the first time I've been a victim of fraud, this is the fifth time in 2 years that this has happened to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was unemployed for 2 months due to COVID-19 and I requested an extension from Navy Federal Credit Union and although they advertise that there are options for relief, they did deny me. They close my credit card and kept adding {$29.00} late charges to my account which amount to XXXX XXXX now. I am current with my credit card now but my installment loan remains past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$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 2022-05-26
Company: OneMain Finance Corporation
State: RI
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
incident date : XX/XX/2023 Bank of America. XXXX Amount : {$2000.00} I found out that there were 2 unauthorized transaction via XXXX in Bank of America. 
Total amount was {$2000.00}. The money was sent to XXXX I never had a transaction history with this recipient.

Company response to consumer: In progress
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: AR
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:
THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, and on XXXX the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my XXXX Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof and there is no middle name or initial in my name. I have always lived at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL/SSC for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the XXXX Police Report of proof of my identity theft.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/2022, I received in the mail a debit card for a checking account that I did not open with XXXX XXXX. I called XXXX XXXX Fraud Department and informed them that this was fraudulent activity and to please close the account. The account is showing on my credit report with Transunion as being an active, valid account. XXXX XXXX would not disclose any information as to the email or phone number listed to the account. I asked them to inform me when the account had been removed from my name and they said they would send an email to the email address listed on file. Duh. So the person that fraudulently opened this account is going to be receiving the email. Being the victim of identity theft and having to work with the IRS, SSA, and the credit bureaus, this is the very last problem I need.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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