BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
Company: U.S. BANCORP
State: MN
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:
I sold a townhouse and purchased a condominium on XX/XX/XXXX. Only the condominium was financed through US Bank Home Mortgage. 

In XX/XX/XXXX US Bank Home Mortgage erroneously paid property taxes on the townhouse I had previously owned. This put my escrow account in the negative. It appears that they didn't figure this out until XX/XX/XXXX. Since then I've been charged penalties, late fees and received certified letters threatening 'additional action '. 

I have called customer service about 24 times to discuss this. As the arrearage was not due to an error on my part, I disputed their assertion that I needed to pay for their error. 

I've talked to actual customer service personnel ( in the Escrow department ) a dozen times and have been promised a resolution by their specified date each time. 

They have currently fixed the underlying issue about their error paying property taxes for property I do not own, but not the effects of that error. As you can imagine, my Credit Scores have fallen 150-200 points. I called 'customer service ' again today because their online system now says that my loan balance is {$0.00}. I'm blocked from viewing any details because of the status of my account. Customer service didn't answer but I was given the option for them to call me back within 15 minutes. It's been an hour and they have not responded. 

I'm sending them an Error Resolution Notice under 12 C.F.R. 1024.35 via certified mail today but I have little faith that they will correct the 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 2022-12-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've been had Wellfargo for years they been taking my money and charging me free ... I just think it's wrong the way this bank do there value customer and how much they get away with stuff so this time all my money got Missing and I put in a deputie but they denied the reason was they didn't see fraud but they reached out to me about the activity they think was fruad they told me I was at these places some places didn't have no return address but this the part I failed XXXX is when I had to tell them my personal business Im on house arrest they had me to send a picture of my legs to show proof and they still denied me I shouldn't never had to do that at all that's alot ... I shouldn't have to had to put my personal business out ....

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 2018-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion failed to respond to my request for debt validation ( not verification ) on an alleged account reported to them by XXXX XXXX ( Not XXXX XXXX ) within 30 days as required by the FCRA. I submitted this request to Transunion on XX/XX/XXXX and did not receive the information required to validate the alleged debt from Transunion by XX/XX/XXXX as required by 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 2020-05-21
Company: Kriya Capital, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credence Resource Manage ran my credit and it drop I don't owe them or anyone thing from them to run my credit my score drop because of it. It shows inquiry no company or debit I owe on it. Haven't apply for anything or use my social or anything for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureaus XXXX and Transunion are violating my consumer rights as well as personal data is not safeguarded by these two bureaus, they are allowing a collection agency that bought a debt from XXXX  that, I never had, as well XXXX and TransUnion to validate this debt, they received 1 statement well over 45 days ago, after not received competent evidence that I ( XXXX XXXX ) handsome contractual obligation of any kind about the trade line, I have another30 days the 45 days that was notaries and sent certified mail to the bureaus and the so-called collection company ( XXXX XXXX  ) acct # XXXX in XX/XX/2022 to now. Nothing has been produced. I have also explained that my data is being sold and that can't get a police report without a contract and a copy of # id and signature to report 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 non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my monthly XXXX credit report it keeps showing a JPMCB credit card account. I have no such account! Currently it shows a balance of {$16000.00} and a credit limit of {$38000.00} on the card. I have tried calling the Chase number listed on the report but because I can't give them a card account number and refuse to give them my SS # they refuse to help. I have made this call more than once. Because of purchase activity on this card my credit rating fluctuates monthly. The information on my report reads as follows : Company JPMCB Address XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Account balance {$16000.00} Credit limit {$38000.00} I do have one credit card through XXXX XXXX XXXX XXXX but it has no connection with JPMCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
American Express ( the company ) has repeatedly refused to resolve a dispute in my favor in spite of extensive evidence being provided to them. The charge in question is for {$1300.00} which was charged on XX/XX/2018. The purchase was a non-refundable airline ticket. This ticket was canceled with the merchant on the XXXX in accordance with DOT regulations and was made more than 7 days prior to departure. In spite of providing this evidence and evidence from the merchant 's website and the full Department of Transportation 's regulation but the company has refused to resolve in my favor. They declined my dispute and stated, " the ticket was non-refundable ''. After providing further evidence that the ticket was due a refund, they have changed their story stating the ticket was not canceled within 24 hours. This unfair practice violates UDAAP. After calling the merchant and stating the call was being recorded, they acknowledge asked for the electronic ticket number and agreed that the ticket had been canceled within 24 hours and was due a refund. The company refused to accept this evidence and has continued to deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I received a text message from Wells Fargo asking me to confirm a transaction made for {$420.00} at a XXXX in CA. I replied XXXX as instructed as it was not me making this transaction. This was followed by another text message saying that a representative would call me shortly. I immediately received a call from XXXX, I XXXX the number immediately and saw it was Wells Fargos number. My XXXX XXXX XXXX had just gotten sick all over and I was in the process of cleaning this up as well as trying to get out the door to pick up my other daughter. The individual on the phone was a young man with an American accent. He already had a lot of my information and asked me a series on questions to confirm, he informed me that someone in California was currently hacking my account. He had me change my password and once I logged in a wire transfer was being processed for all of my money, {$4000.00}. He said he was able to stop it and it would be back in my checking account within XXXX minutes. Immediately following the end of our call ( within XXXX minutes ) I called Wells Fargo and asked to be transferred to their fraud department and realized it was a scam. The wire transaction was still pending when I reported the claim. I hadnt heard anything regarding the status so I called back in on Monday, XX/XX/XXXX, where I was told that my claim was denied as by the time WF reached out to the receiving bank ( XXXX XXXX ) the funds were no longer available. They informed me that WF has a XXXX business day investigation window to attempt to receive the funds. Of course the funds were no longer available toward the end of the XXXX business days as it was a scam and the scammer would have moved the money right away. I asked to speak with a manager and was transferred to the escalation team, I again asked to speak with a manager and was told they put in a request for a callback and I should hear from a manager within XXXX business days. On XX/XX/XXXX I went into the closest Wells Fargo branch and sat down with a representative and explained the situation. They then called the fraud department on my behalf and was transferred to the escalation department and then another request was submitted to speak to a manager. I have yet to receive a call and today is XX/XX/XXXX. Ive been a Wells Fargo customer since XXXX and it is just mind blowing the lack of respect and urgency in such a situation. Im submitting this complaint to highlight their negligence in this instance, hyper focusing on their lack of security, lack of urgency / slow resolution times and lack of support in fraud disputes.

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 2022-11-26
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: PA
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681Section 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA banks refuses to assist my elderly father in getting access to his bank account online. We have informed them several times that their request to send a code to the phone and email on the file will not work as my mother has changed his information to her personal email and phone. We have used their own system to try and recover the account but it did not work and does not say why. We have been trying for over a month to get assistance. On XX/XX/2023 we called and were informed our request for accommodation was denied and were refused the right to speak to a supervisor about out issue. They have been rude and staunchly refuse to even try a different method to assist us even when informed my father is elderly, does not currently have a computer, can not get their system to work and is XXXX due to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have an XXXX credit card. Months ago I was advised that I was being charged from a gym every month and I tried to stop my account with them but they keep charging me. I disputed the charges and XXXX said charges are legit and the only way to stop the gym from using my card is to replace my card with a new card number, which I did. This month I was charged again. I advised XXXX credit card about that and asked them how can a company still use my credit card to charge me when they dont have the new card number. They couldnt explain how and said via text message that somehow the gym got my new card number, which only I know and I have absolutely not provided to them as thats the whole reason why I changed my card number, per XXXX credit card advise. At this point they are telling me they can not help me and refuse to refund the money and to block any further unauthorized companies to charge my credit card, or to explain how it is possible for a company to charge my card without anyone providing them with my account card number. XXXX is at fault here for not protecting my account and my personal information and also refusing to refund the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
So I sent a letter on XX/XX/2021. To remove personal information that i don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No Financial institution is not suppose to share my informant ion to third party people,

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Request for Immediate Removal of Fraudulent Account [ XXXX ], Account Number : [ XXXX ] Dear Sir/Madam, I am writing to inform you that I have recently fallen victim to identity theft, which has resulted in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b. My FTC Number is XXXX. 

I kindly request your urgent assistance in rectifying this matter. Specifically, I am requesting the immediate removal of the fraudulent account associated with XXXX, Account Number : XXXX. The fraudulent activity occurred on XX/XX/2018. 

I understand the gravity of identity theft and its potential implications on my financial security and personal well-being. As a responsible consumer, I have taken immediate action to report this incident and rectify the situation. I sincerely hope that you can expedite the process of removing this fraudulent account from my records. 

Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: BMW Financial Services NA, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Received a letter from BMW Financial dated XXXXXX/XX/2022. Demanding {$16000.00}. Under Title 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. 
My vehicle was Repossessed and BMW Charged off the amount due as income.

Notice, it is a fact, there was a repossession, that I, the affiant have proof of in Attached letter from BMW Financials which is a DIRECT violation of 15 U.S. Code 1692e ( 4 ) and was fraud and illegal in the collection of any debt. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution.

I for a fact know that my credit financed the entire amount of loan and per SEC documents attached will show the assignment information needed to assign the not under the Security and Exchange Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Mid-Atlantic Finance Co., Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I've contacted MidAtlantic Finance about this bad debt on multiple occasions ; my last attempt being Monday, XXXX XXXX. When trying to discuss this debt, I spoke with customer service rep XXXX XXXX ext. XXXX ) who hung up on me mid conversation 3 times in a row. She was extremely rude and unhelpful. I told her multiple times the laws broken by the company in reference to the TILA, FDCPA, and FCRA. She told me she did not care about the laws. I sent in a cease and desist letter. Ultimately, I spoke with the manager ( ext. XXXX ). He was a lot less rude, however, his ultimate answer was that he could not help me, and told me I need to sue the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Remex, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
collection added to mycredit report. contacted remex multiple times for proof that i owe this. received a ledger that does not prove anything and includes medical information but no proof that i signed for them to have my medical info. possible hipaa violation? sent another request asking again for validation. Received a final letter from remex stating that they will not send anything else.

Company response to consumer: Closed with explanation