BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2018-05-07
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper contacted me in XX/XX/XXXX and said that because I live in Florida and our area was declared a disaster area they are offering a Forebearance program whereas they would allow you to skip from one to six payments at no penalty. The payments would extend the length of your mortgage by the amount of months you chose. I chose six months. When I went online to resume my payments in XX/XX/XXXX I was horrified to see that it clamed I owed fourteen thousand plus dollars and was ineligible to make payments.I never heard one thing from Mr. Cooper about being behind on payments between XX/XX/XXXX and XX/XX/XXXX when I finally contacted someone. For nearly a month I called and left messages and finally got a call back in XX/XX/XXXX. The rep said I did not qualify for that program and I had to pay the full amount or go through the refince process. She said there was never a forebearance program, they were told to read from a script and the goal was to get you refinanced at a higher interest rate. They ruined my credit by reporting non payments and I now have to pay over three thousand a month to get caught up. She claimed to have no answer as to why no one called me to tell me I did not qualify for this non existant program after they signed me up for it, or why they never called when my first payment became delinquent.They will not get rid of any late fees and will not contact the credit reporting agencies companies. They conned me during a time of a disaster and scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Filed prior complaint with company and am now being discriminated against and receiving retaliatory treatment when contacting the company including not filing complaints as requested and being hung up on by the executive resolution team. This is a business practice I am quite used to and expect from Wells Fargo, hence the reason I do not want anything to do with this company that is strong arming me in to servicing my loan and discriminating against me for being a good customer they can make money off of.

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 2023-05-15
Company: ALLY FINANCIAL INC.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I woke up at XXXX XXXX on XX/XX/XXXX, and received an email from XXXX thanking me for an order. I did not submit that order, it was fraud. I immediately XXXX that day to try and cancel the order. The customer service person told me they would cancel the order. I called my bank ( Ally Financial ) immediately after this to dispute the payment. They told me they could not dispute the payment until the transaction was completed and to call XXXX. I called XXXX again the following day and they assured me the order was canceled. I was able to finally dispute the transaction on XX/XX/XXXX with Ally. I received a temporary credit. I logged into my account last week, XX/XX/XXXX to see that XXXX was taken out of my account, twice. I was informed that Ally closed the dispute, and XXXX sent over " sufficient '' information saying the transaction was correct. It was not. I was not awake at XXXX XXXX. I did not receive 10 Arts & Crafts books nor the boxes of cereal that were fraudulently ordered. There is no shipping information, and XXXX is claiming they mailed me the items in questions within 24-48 hours ... which is impossible as I live in a remote, rural area. In addition, the books in question are not fulfilled by XXXX but " XXXX XXXX '' ... typically when things are not being fulfilled by the primary company, it takes time to even ship out, let alone less than 2 days. I have attached my call records, both to XXXX and Ally. I have also attached the emails that I first received when I learned that my XXXX account was hacked in. The emails arrived to me at XXXX XXXX. I work at a school and consistently wake up at XXXX XXXXXXXX XXXX XXXX as I need to be at work at XXXX. 

I also noticed that my savings account is short XXXX with no explaination. My current balance is XXXX and there are no transactions showing why this amount is missing. I have had nothing but issues trying to contact Ally to try and dispute these transactions.

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 2022-07-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX around XXXX pm EST, I spoke to XXXX in the XXXX XXXX department XXXX XXXX XXXX who informed me my XXXX XXXX XXXX XXXX account was closed due to a false fraudulent claim put in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that a wire transfer was made on XX/XX/XXXX was " Fraud ''. 

XXXX # XXXX TRN # XXXX XXXX # XXXX of XX/XX/XXXX However, the attached documents prove XXXX XXXX XXXX and willingly wired those funds to XXXX XXXX AND she received 7 months of service as well as over $ XXXX in salary while also working for XXXX XXXX XXXX Sister XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX Fraudulently filed this claim with J.P. Morgan only after her request for refund and program cancellation sent to XXXX XXXX XXXX XXXX on XX/XX/XXXX was DENIED due to the contractual agreement that XXXX was not owed any refunds. She was offered an opportunity to address this civil matter in XXXX XXXX but knew she would lose so she instead LIED to J.P. Morgan and fraudulently had them STEAL money from my account. XXXX also knew she was intentionally lying to J.P. Morgan 's Fraud Department because she wanted a refund she was not owed. 

XXXX XXXX or J.P. Morgan NEVER attempted to complete a thorough investigation of this matter which would have revealed this was a " FALSE CLAIM '' against my business which has signed contracts the person knowingly and legally entered into a business contract for services with my company and received SEVEN months of service as well as was employed THREE months with my company so any claims would need to be addressed in XXXX XXXX 

The bank is not allowed to settle civil disputes NOR is it allowed to STEAL money my business earned from my account and cause my account to be shut down over a FALSE, & Not PROVEN accusation. Furthermore under several sections of the Uniform Commercial Code Law civil matters between businesses are to be handled in civil court and here in GA this could be a civil court matter as the amount in question is under {$15000.00}. 

Furthermore, this act of aggression on the behalf of XXXX XXXX was due to being terminated by my XXXX  as an employee for stealing company time and choosing to leave the XXXX XXXX XXXX However, after 7 months of participation, she has no legal right to LIE to her bank in order to get the money paid for services. 

I have also filed a CFPB complaint against my bank regarding this matter. If this matter can not be amicably resolved my legal counsel and I will pursue this matter in XXXX XXXX and all parties involved including J.P. Morgan will be sued for damages including the business interruption this theft of funds has caused and the emotional pain and suffering this matter has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Bank of America Prepaid has made my life a living XXXX. Each time I call in, I have to go through a random verification process. Even though every single answer to their verification questions is accurate and remains the same, there are times they can't verify me. Because of this, they expect me to go to Bank of America when I'm sick and haven't left my home in months. I was advised that my replacement card was shipped on XX/XX/XXXX, and in order to get the status of my replacement card, I need to go into Bank of America. Again, I am not well, and my condition is only getting worse because Bank of America refuses to release my funds. 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 non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I previously sent a written request to the credit bureaus to block or remove all erroneous and fraudulent items. However, the request was never granted, and no feedback was ever provided by the agencies involved. Now, I'd like to ask for your assistance in getting rid of these items or having the credit bureaus contact me about the problem. Here are the issues that bother me : XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-10-30
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: Was not notified of investigation status or results

Complaint:
I wrote Experian to dispute XXXX XXXX OVER A MONTH AGO. I did not hear from them about the reporting accuracy of this alleged debt. They are in violation of 15 USC 1681c ( a ) ( 6 ) ( A ) no consumer reporting agency may make any consumer report containing any name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer. They are also in violation of 15 USC 1681i ( 1 ) ( a ) Consumer reporting agency to conduct a reasonable reinvestigation, 15 USC 1681i ( a ) ( 1 ) ( A ) Consumer agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.15 USC 1681i ( a ) ( 2 ) ( B ) Consumer reporting agency shall provide to the person who provided information in the dispute all relevant information regarding the dispute that agency received from reseller and 15 USC 1681e ( b ) Accuracy of credit report. need for Experian to Compensate me for every violation they have committed by violating my consumer rights. I have enclosed my invoice Please Make check payable to 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 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 2020-02-12
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 fraud alerts or security freezes

Complaint:
This is a complaint about Experian. 

This is absolutely a terrible experience for managing a security freeze with Experian. I froze it a few years ago, and now they are unable to verify my identity online, and require me to send physical documents in the mail to a PO box address. Not only is this a long lead time, but this also blocks me from moving quickly on obtaining a mortgage. Especially when compared to the other bureaus ( XXXX, XXXX )  who have both moved to a fully-online account-based model for security freezes, Experian 's experience is incredibly NOT user-friendly, and this makes me concerned that they hold so much of my personal information.

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 2022-08-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
they have violated 15 USC subsection 1692g ( b ) in accordance with fair credit reporting act XXXX  account # XXXX has violated my rights.

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 a open end consumer credit plan as late for any purpose.

I have also sent a request for verification of this account in which I still have not received any original contracts with my signature on it. I sent a identity theft report and letter hat request the block of inaccurate information which in this case has been ignored multiple times. this account with this alleged debt comes back verified every dingle time with no form of Verification I requested provided. This USAA Savings Bank Account # XXXX NEEDS TO BE DELETED AND REMOVED immediately From my consumer report To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 U.S. Code 1681b - Permissible purposes of consumer reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$2800.00}

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 2023-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Have had an account with Wells Fargo for 9 years and have been charged an excessive amount of overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-08-15
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
XX/XX/XXXX XXXX is report an inaccurate amount which i have conirmed with the lender they did not due. They also confirmed that they do not report before the statement closes, which in this case is on the XXXX of every month. They has sent an investiagation as well but this has affected my score and my uilization and a violation under the FCRA. 

I also have a bank statement that confirms this amount should read {$2000.00} and i spoke to a representative today at XXXX name XXXX XXXX XXXX who confirmed this an error not by them.

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