BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw 2 unknown accounts opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
U.S bank fraudulently charged me for items that were never purchased. the transaction was rejected and the money was returned immediately due to there fraudulent and illegal banking practices they charged me several times multiple fines and fees for a transaction that never happened that is now being eported to chex systems, this violates many laws and many of my rights. including but not limited to The Electronic Funds Transfer Act ( EFTA ) : This law requires banks to accurately reflect all transactions on your account, and to provide you with a periodic statement that details all transactions. 

The Truth in Savings Act ( TISA ) : This law requires banks to disclose all fees associated with a deposit account, including overdraft fees. 

The Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations : This set of regulations prohibits banks from engaging in deceptive or unfair practices, including charging fees for services that were not provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I deposited a check in person with a branch teller inside Chase at XXXX XXXX XXXX XXXXXXXX, TX XXXX. I have my printed receipt copy for that deposit in the amount of {$10000.00}. That check deposit is missing from my bank account. 

The following day on XX/XX/2021 at XXXXXXXX XXXX  CT when I noticed the deposit was not pending my account, I called the general Chase Customer Service line who then transferred me to Chase Claims Department. I was told that because the deposit was made in person at the branch, I needed to reach out to the branch directly. That call lasted 15 minutes. 

On XX/XX/2021 at XXXXXXXX XXXX CT, I called the branch directly and spoke with a representative about my missing check deposit. The representative took my name and number and said a manager would need to look into this and would call me back. That call lasted 10 minutes. 

On XX/XX/2021 at approximately XXXX XXXX CT, after not receiving a prompt call back, I walked into the branch in person and spoke with XXXX XXXX XXXX, the associate banker who was looking into my account. She said she filed a claim regarding the missing funds, handed me a claim number on a sticky note, and said to expect a temporary credit to be in my account within 1 day. She gave me her business card and the business card of the branch manager and said the branch manager wasn't here but has been made aware of the situation. 

On XX/XX/2021 at XXXXXXXX XXXX CT, I wrote an email to XXXX XXXX and the branch manager/VP, XXXX XXXX XXXX, informing them that the funds were still missing from my account. 

On XX/XX/2021 at XXXXXXXX XXXX CT, I promptly received a call from the branch manager/VP XXXX XXXX XXXX. She informed me that the teller made an error with my deposit and had accidentally voided my transaction. She informed me that my check was on it's way into storage and that it would take approximately 2 weeks to locate my physical check. She said she was working to expedite a temporary credit on my account for the missing funds. 

On XX/XX/2021 at XXXXXXXX XXXX  CT, XXXX XXXX XXXX called me to inform me that the Chase Research Department denied my claim for a temporary credit. At that time, she informed me that my best action may be to contact the issuing company to stop payment on the check, request they mail me a new one, and start over with a new deposit. There was nothing further they could do for me at this time other than apologize and offer to cover any fees I may incur to try to expedite a new check from my vendor.

I have my receipt showing proof of deposit, Chase has my check, and I am missing {$10000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was sent a {$100.00} promotional offer from Marcus by Goldman Sachs on XX/XX/2023. The offer required a minimum of {$10000.00} in new funds to be added to my existing Online Savings Account within 10 days of enrollment and to hold the required dollar amount for 90 days afterwards. 

I enrolled on XX/XX/2023 and added {$85000.00} on XX/XX/2023, to meet the minimum required dollar amount. By the end of the 90 day holding period, I had kept my pre-promotion balance plus the $ XXXX minimum in the account, but did not receive the {$100.00} promotional bonus. 

I chatted with Marcus customer service who told me I did not qualify for the bonus because I had to keep the full {$85000.00} + the pre-promotion balance in the account ; and I had only kept $ XXXX + the pre-promotion balance. This was not enough according to their reading of the Terms and Conditions.

I attach the Terms and Conditions which is highly ambiguous - and ask that these Ts & Cs be amended to be clearer in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX Dear XXXX, XXXX, I am responding to your regarding this debt that I was never contacted about. On my credit report it says I opened this account on XX/XX/2020 that I never opened any XXXX XXXX Account. I have not had cable in a very long time. 
I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have  already done so ), also report that the debt is disputed. Delete this account that is not mine. Also, why would you make up dates is that illegal according to the fair credit reporting act? 

Thank you for your cooperation. 

Sincerely, 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 2019-03-25
Company: Dynamic Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company won't stop sending me letters about a debt I do not owe. I have paid all of my debts in a timely manner for longer than any statute of limitations that may apply. I don't recognize this debt, and if it were ever mine, it is way beyond any statue of limitations and is time-barred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank has continued to call me on a " Restricted '' line that I am unable to block, after having been asked to stop calling me. When I answer, and I do not speak ; they just hang u : p. When I let it roll to voicemail they do not leave a message. They start this process at XXXX XXXX, 7 days a week!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
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.

The letters are stated with items and issues.

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 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 2023-02-20
Company: EQUIFAX, INC.
State: MD
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:
Remove XXXXXXXX XXXX  account from my credit report for inaccuracy. The date last active shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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 sent a letter on XX/XX/XXXX to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XX/XX/XXXX Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have disputed the late payments XXXX XXXX, XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2021-05-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXXXXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX # XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. I did not give written consent to report this account. XXXX CHILD SUPPORT ENFORE,. This account is also showing a past due/late payment which also violates my rights. Send proof that this account belongs to me and that the courts gave you permission to report 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 2020-03-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my husband reapplied to refinance a home equity loan for {$80000.00} - he was rejected and as he and Wells Fargo argued over the rejection he refused to pay the current loan. In XX/XX/XXXX Wells Fargo foreclosed on our {$400000.00} home for {$80000.00}. After much trouble, it was reversed in XX/XX/XXXX. In the meantime, Wells Fargo seized our banking accounts ( in excess of {$100000.00} ) and our safety deposit box. After continued back and forth, we finally received a letter XX/XX/XXXX stating they would release our funds and deposit box. As of today XX/XX/XXXX, we have not received our funds. 

I am a XXXX XXXX who works with XXXX XXXX XXXX with XXXX XXXX should I contract the XXXX and can no longer work I will not have funds to cover our expenses while awaiting XXXX. I am desperate to get access to our funds. We have been in contact with a XXXX XXXX XXXX but so far no funds have been released.

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 2020-03-19
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been enrolled in Public Service Loan Forgiveness program since XXXX and the U.S. Department of Education/Fedloans.org will not tell my how many qualifying payments I have made. I worked for the XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX as a XXXX and since XX/XX/XXXX as a XXXX XXXXXXXX XXXX, my loans are Federal Direct loans, I am in an Income-Contingent repayment plan and my employment is certified every year. I meet all of the requirements but their customer service repeatedly told me I had no qualifying payments. After my last inquiry, I emailed customer service again in XX/XX/XXXX and asked why. I received a reply that they needed to conduct a manual review but to continue making payments and they would get back to me. I finally received a " reply '' today which told me nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
My Debit card is been compromised multiple times over the month, someone is purchasing with my card even right after I activate my card or right after I use it in some stores/grocery near my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-02-20
Company: EQUIFAX, INC.
State: MI
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 have multiple fraudulent accounts listed on my credit report that do not belong to me. I have submitted multiple ftc reports and multiple police reports and the accounts are still on my credit report. I have also pointed out that the XXXX XXXX fraudulent was reporting different balances on on the reports and then two weeks later they didn't remove the account like they were supposed to, they just updated the balances to all match. This is in violation of my FCRA as a consumer. I will be pursuing litigation on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Saturday XX/XX/XXXX a lending agent Mr. XXXX XXXX from Amerisave contacted me in regards to my inquiry online to refinance, That same day they emailed me what they call a chart that showed their current rates I reviewed the chart and choose to refinance for {$120000.00} Loan amount at 4 % a closing cost of {$2700.00} these numbers came from the chart that provided that day, the balance on my home was {$950000.00} and the closing Cost would come from the amount financed I wrote these numbers in my email back to him and that based on those numbers I would proceed with an application.

I also spoke to him that due to the small amount I was refinancing I did not want to pay anymore on my closing and I did not wish escrow my Insurance and tax these were the issues I was adamant about.

I filled in the application that evening the next morning I get a .PDF File with my loan information the closing cost is now {$3400.00} I emailed Mr XXXX That I was not paying this closing cost it was not what he provided me with less Than 24 hours before, his reply was that he must have sent me Thursdays Ratings and it must have changed on Friday?? Wish he did not provide He has also become very assertive on the phone to the point I no longer want to deal with this person he was to the point of harassing and not allow me to finish a statement And just kept cutting me off, at that point I no longer felt confident in dealing with Mr XXXX and the answers that he was giving me nor the bedevilment I no longer wanted to proceed with my application.

Also on the statement that he emailed me made no sense the estimated pay off on my mortgage was {$100000.00} as The original mortgage was only {$100000.00}. And a balance of {$95000.00} were was The additional {$6400.00} going?

In only a few hours of dealing with Mr XXXX  I no longer felt confident and Was to the point being bullied by the man I requested that my {$500.00} application be returned. His response was It is not refundable unless you close your loan.

I have since called their main office and spoke to a XXXX  that stated the same Response NO REFUND under any circumstances but closing there company did nothing to justify not returning my {$500.00} as they were negligent in provided incorrect information.

In less than 24 hours I stop my application my reason for not proceeding Is that the numbers they sent to me were incorrect I am providing the email they sent that show the cost that I had agreed to proceed with and the file that Was emailed the next day with the increase.

The consumer is not aware when they pay their {$500.00} application fee That no matter what fraudulent actions or harassment Amerisave does or say they simply get to keep your money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company response to consumer: Closed with explanation