BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: WESTERN ALLIANCE BANCORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was in the process of closing out my COVID forbearance and setting up a repayment plan when it was purchased by western alliance. 
I contacted them after I received my letter of servicing transfer and asked them about the status since my repayment plan hadn't been finalized in my previous servicer. They said they were still going through paperwork and had no idea the status but would get to it eventually and send me any paperwork that was required to get my repayment plan set up. 
I never received anything until I got a notice that my home was entering a foreclosure process because of all of my past due payments. 
I called and told them what happened and was told repeatedly that their computer wouldn't allow me to enter the Covid repayment deferral program to move payments to the end of the loan and the only way to become current was to submit a loan modification request and even then that wouldn't be guaranteed. 
I don't believe this servicer is familiar with the cares act or the requirements in that legislation. I should not have to have a loan modification to receive the protections that were set out in the cares act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. 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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

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 2017-01-16
Company: CITIBANK, N.A.
State: DC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
i WAS TRICKED INTO USING WATCH-GUARD PREFERRED FROM CITIBANK N.A . FOR SEVERAL YEARS. I NEVER WANTED IT. PLEASE GIVE ME A REFUND FOR MY MONTHLY FEES I PAID FOR SEVERAL YEARS. I NEVER GAVE CONSENT TO HAVE THIS FEE PAID FROM MY CITBANK N.A. ACCOUNT. THANKS.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-06
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:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX & XXXX  XXXX XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXXXXXX Balance {$4500.00} XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX 2021 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXXXXXX Inquiry : XXXX XXXX, 2021 ; XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX WY XXXX XXXX CA XXXX ; XXXX XXXX XXXX ( Original CreditoXXXX Name : XXXXXXXX XXXX ) XXXX Balance {$950.00} XXXX XXXX XXXX : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, 2021.

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 2022-11-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I went on XXXX to lookup XXXX  XXXX  customer support. Found a number believing it was XXXX  XXXX. Called an they pretended to be the company customer support. I didn't know that I could only withdraw a {$1000.00} a week from XXXX  XXXX. That was the reason for the call. They instructed me to place the money on another card until they fix the issue. When I did they hung up. I finally got the official XXXX  XXXX  number and told the to launch an investigation. They stole {$13000.00} from me.

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 2021-04-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was offered an upgrade promotion of XXXX membership rewards points for upgrading my American Express Everyday card to the American Express Everyday Preferred. The terms were XXXX points once I hit a spend of {$2000.00}. I agreed to this offer in XX/XX/XXXX and completed the {$2000.00} spend requirement on XX/XX/XXXX. I paid the agreed upon prorated annual fee of {$60.00} on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received the promotional XXXX points as promised. I have tried to contact the bank many times and they just give me the run around saying the points will show up next month every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2023-02-13
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
During the past XXXX months we have fallen behind paying our bills. We have been making double payments in an effort to get our monthly budget back on track. For the credit card company we are filing the complaint against the last time a payment was made was XX/XX/XXXX. The monthly due date is the eighth of the month. On XX/XX/XXXX, a large payment ( {$1500.00} ) was deducted from an alternate checking account without our consent ( Only XXXX of our XXXX checking accounts is used to pay all the bills ). The result was a negative balance and an insufficient funds fee of {$36.00}. We contacted the company and they agreed that it was an unauthorized payment made by phone ( we always pay online ) but it will take a few " cycles '' before the error can be corrected. The problem with this is that we have had a limited income, I have resumed working part-time after a period of inactivity due to circumstances beyond our control, and making payments to other credit card companies.

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 monetary relief
Consumer complaint received 2020-08-03
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calls started on XX/XX/2020. Phone number is XXXX. I answered one call. The man spoke English very badly, I understood very little, but from his speech it became clear that I allegedly owed XXXX XXXX XXXX {$120.00}. I replied that I did not and did not have any debts to this company. I am a client of this telecom operator and I solve all questions in the office of this company. I asked not to call me again, said that it was a mistake and I should not pay anything. after that the calls continued 2-3 times a day. I blocked the number. after which they began to call me from another number - XXXX XXXX and continue to call to this day. also, on XX/XX/XXXX, I received a letter to my current address. the sender is indicated in the letter. Credence Resource Management LLC at XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX tel XXXX. This letter also states that I owe XXXX XXXX XXXX  {$120.00}. I was at the XXXX XXXX XXXX office and showed them this letter. The manager checked my details. this debt is possibly tied to my first XXXX XXXX XXXX account at my first US address. I have not lived at that address for more than 1.5 years and have long since closed the account that had only home internet. I have no debts on that account. I ask you to understand why I receive these calls and letters, although I have no debts and problems with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, & STATE OF MI OFFICE 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 2023-07-12
Company: WELLS FARGO & COMPANY
State: FL
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 XXXX and XXXX of XXXX I was charged on my bank account through someone elses fraudulent use of some kind. I disputed this with my bank Wells Fargo and they have somehow denied me this I can not understand because none of these charges were mine, and the way that I found out was through an alert from the bank. The bank only alerted me on the final charge, which I called immediately after the alert and have been cooperating with them the whole way through. They never requested anything from me. They never ask me any questions they only denied my claim, which was totally not my use of the card was someone else these charges totaled in about XXXX charges the total amount was under {$400.00} many charges like I said {$43.00} {$22.00} {$100.00} so on and so forth I do have a claim that was open with them that is now closed without giving me back this stolen money I have a direct deposit to this bank of over {$1000.00} every week and do a lot of banking with them and have been with them for a few years. I have had very little disputes or claims of any kind and I do not understand why Im being treated like this.

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 2023-02-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received the letter saying they were going to force flood insurance on us for our property being in a flood zone however our property is not in a flood zone. Citizens have the same property documents that I have access to if not more. Each time I try to call I am transferred or disconnected or on hold for over 45 minutes just to speak to a person. This is frustrating as the letter they send does not include details on how to handle the situation when their research is wrong and only allows for us to purchase our own flood insurance or they will force flood insurance on us. We should be given clear direction of how to protest their flood insurance requirement. I have provided them the standard flood hazard determination form that was filled out by a company named XXXX in XXXX at 2021. This document should be acceptable as the prior rep at citizens told me that I could get a form from XXXX which is XXXX 's competitor. I have the survey which shows the property is not located in the flood zone. The county website has flood zone maps also showing my property is not in a flood zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: PA
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. I am a victim of identity theft. My consumer report is not in compliance with the Fair Credit Reporting Act 15 USC 1681.

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 2022-01-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I asked Wells Fargo to issue a cashier 's check for {$3600.00} on XX/XX/2021. This check was then mailed out and lost in transit. I went to one of their branches on XX/XX/2021, to place a stop payment on that check to prevent it from being cashed by anyone who might have possessed it. The stop payment was placed successfully, and they told me that I had to wait 3 months for the check to be reissued and paid to me. During this visit, I specifically asked the banker if someone tries to cash the check, will it affect me getting my money back in time, and they answered no. 

In XX/XX/2021, after the 3-month waiting period, a banker contacted me and informed me that someone attempted to cash this check during the waiting period. Though the attempt was not successful, I would now not be able to get the check reissued and have my money back. They told me that I had to instead wait for 3 years. 

Wells Fargo confirmed that the money is still with the bank, and I am the owner of the money. Therefore, it is unreasonable for them to hold it. Additionally, this new 3-year waiting period had never been communicated to me before. 

I filed with Wells Fargo an internal complaint, which they told me would be resolved within about 10 business days, and yet they took over a month to arrive at a resolution, which is that I still have to wait for 3 years. During their investigation, they extended the timeline multiple times and changed the case specialist without notifying me. I tried reaching out but got line-busy / unable to reach multiple times.

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