BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
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:
XXXX XXXX XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX.A. ) XXXX XXXX : {$720.00} are reporting on my personal credit file with 3 Bureaus credit reporting agency. These accounts was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by 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 non-monetary relief
Consumer complaint received 2021-09-03
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  is who we were with until XX/XX/2021 that's when we got our notification in the mail that they were selling our Mortgage to Freedom Mortgage starting on or effective by XX/XX/2021 Freedom Mortgage will become our new service provider of our Mortgage. I have tried and tried to call and get a new Account number to pay our Mortgage and they say they don't have one for us yet. And that it could take awhile to get us one. NO NO that doesn't work for us. Both of these Mortgage Companies are breaking Laws Period. First we Never got a reasonable notice of transfer of our Mortgage with Homepoint under 15 days Not Legal at all. and then our new Mortgage Company Freedom doesn't want to give us a new account number so we can pay our XXXX 's Mortgage payment now. They said it could take awhile to get into the system No Way can this be Legal to Not Take a Payment from a New Customer or to Not provide us with a new Account number at all is it? How come wee can't pay on our Mortgage Now or even get an account number from Freedom Mortgage at all? 
In 12 days they could show us as we payed Late. We have NEVER paid Late. In fact our Mortgage has always been taken out Auto pay on the XXXX day of the month for 10 years. 
They will not give us an opportunity to pay on our Mortgage at all. Please HELP us in this matter in anyway possible to get resolved. Thank you.

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 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 closed an account with Bank XXXX XXXX and it 's been inaccurately reporting as closed by credit XXXX when I disputed it with credit bureau they did n't correct it even when I sent them proof as Bank XXXX XXXX sent me a letter clearly stating that I requested to close it

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 2023-09-23
Company: Paypal Holdings, Inc
State: TX
Product: Prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
This was a scam calling about getting a prepaid PayPal account caught up saying we were behind went down and bought a gift card and XXXX gift card to give to them. It was all a scam. We found out later been on the phone with XXXX support they created a case, they said Im gon na need to get some type of report or number to give to them. We immediately stopped. The gift card has not been used yet, but the funds are still on there but unable to retrieve them if theres any questions please feel free to call me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2023 Unknown Hard Inquiry placed on my Equifax credit file from XXXX XX/XX/2023 Unknown Hard Inquiry placed on my Equifax credit from XXXX Neither of these hard inquiries are ones that Ive authorized or even have any knowledge of. I have submitted disputes on both of these 4 times each to Equifax. They are not even looking at them and only using an automated system which is NOT checking the validity of these Hard Inquiries nor are they reaching out to the source to verify as the dispute cases are being automatically closed within a few hours. Within their dispute results they do not provide ANY type of documented proof or source of the reason the company drew a hard inquiry on my credit. I have no clue where or why these were placed on my credit and have yet to be provided with any factual information. 

The ONLY hard inquiries that I authorized in XXXX were for my auto loan for my truck and thats it. 

I am not sure if Im a victim of credit fraud or what but Ive placed a freeze on credit with all XXXX credit bureaus. I really need this looked into by an actual person to help resolve. 

Disputes Submitted to Equifax : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX I asked to do a transfer of funds from my account to my son which I have been doing for over 10 yrs. with Bank of the West now BMO. All we were doing was asking for the transfer funds from my account to his ( they are linked together ) which we have done for yrs nothing new the rep. got angry and hostile and told us we have to go to the bank for them to id us. Which made no sense. We had gone through the id process through the automatize system even to get to that point which we told her that was ignored. Told her to get her boss that was ignored. We ended up drive XXXX XXXX one way to the bank which we have been going to for yrs about 10 or more the same day this happened. Which we try to avoid because of problems we have had in the past. Instead of doing the transfer and opening up her account they acted as if they didnt know us and gave us the third degree which they also ways do which upset us and we left. All we wanted was to take funds from her account and transfer it to mine THAT IS IT, SIMPLE. Then we received a letter last week saying they are closing her account period, no discussion!! Leaving us in a Hardship it's not many banks area. We are XXXX hate crime victims in XXXX, KS and it is orchestrated by the XXXX police and law enforcement. We ask to be treated like human beings ; this a simple thing should not be kicked out just because they have the power to do so. We need help. Anytime we get some done we are treated like this on everything we do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This is a Home repair loan from Wells Fargo Bank that was forged with a fake digital signature from their partner in business XXXX XXXX XXXX XXXX XXXX Company. It was a setup with the intent to finance the project with a Predatory XXXX. The interest rate is near 30 percent, my credit score is around 840. There was no full disclosure, no truth in lending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Unknow account from XXXX XXXX XXXX  Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2023-02-06
Company: WELLS FARGO & COMPANY
State: CO
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:
Someone withdrew money from an ATM in XXXX CO- I live in XXXX  XXXX CO ( 120 miles away ) and my fianc was in XXXX Kansas XXXX it was not us. 
XX/XX/2023 ATM Withdrawal {$300.00} XX/XX/2023 ATM Withdrawal {$700.00} and then someone use XXXX- which we don't have- we don't have any XXXX products at XXXX XXXX XXXX in XXXX CO XX/XX/2023 XXXX {$370.00} XX/XX/2023 Purchase {$2900.00} Wells Fargo claims they investigated and they will not give us back our money

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$260000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be repaired or deleted as soon as possible. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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:
I am a victim of identity theft because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on my credit report

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 2022-08-10
Company: Diversified Adjustment Service, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustment Service , Inc . 
XXXX XXXX XXXX XXXX MN XXXX Received notice that my " account '' with XXXX XXXX is in arrears in the amount of {$210.00}. 

Reference # XXXX Person named on the notice, XXXX. XXXX, has been deceased for 25 years. 

The account number on the notice is not an XXXX account number. 

I checked my bank records, and called XXXX to make sure my account is, and has been, current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/18, I signed up for a Citi Bank offer that promised {$400.00} bonus if 1 ) both a new checking account and savings account were opened and a combined balance of {$15000.00} were deposited within 30 days, and 2 ) maintain the {$15000.00} balance for 60 consecutive calendar days. As of today ( XX/XX/18 ) Citi Bank is still offering this promotion. See https : XXXX? XXXX XXXX  XXXX for more details. 

My application for both a checking and a savings account was approved and activated on XX/XX/18 and I deposited {$15000.00} ( {$14000.00} in checking and {$200.00} in savings ) on XX/XX/18, which means I should qualify for the {$400.00} bonus after XX/XX/18. I reached out to customer service in XX/XX/2018 and was told that it takes up to 90 days after the requirements were met for the bonus ( which I did meet on XX/XX/18 as mentioned above ) to be deposited which would put it at XX/XX/18. I reached out again on XX/XX/18 and was told that it will be deposited after XXXX 's billing cycle or by XX/XX/18. 

The bonus failed to show up again and I reached out for the third time on XX/XX/18 and this time I was told a case is open with their back office to investigate the issue and they will be in touch within 2 business days. No one got back to me at all and I decided to reach out one last time on XX/XX/18. This time I was told that the case had been worked on, but not resolved and there were no updates. The representative said she marked the case urgent and promised a resolution, but at this point I have no patience or confidence left and I also don't believe they're serious about getting me an answer or the bonus. I've seen numerous other complaints here about the same offer and this is borderline fraud! 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 explanation
Consumer complaint received 2024-01-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Credit 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 met the promotional terms for the sign on bonus for the XXXX XXXX  card. I met the spend threshold in the time allotted. The promotional sign on bonus points remain in pending status and no one is able to tell me when they will be available for use.

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 2023-09-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I wired XXXX  XXXX from my bank account at XXXX - XXXX XXXX ( XXXX ) to my bank account at CHASE ( XXXX ). The amount was sent on XXXX, XXXX  and was received on XXXX, XXXX. 
According to the official exchange rate ( XXXX  was oscillating around XXXX ) I should have received approx. {$21000.00}, while I only received {$20000.00} ; while the XXXX exchange rate was oscillating around XXXX, my money was changed at XXXX ( 2.5 % lower than the official rate ). I called CHASE Customer Service in order to rectify the transaction, however the associate replied that the exchange rate is automatically calculated and nothing could be done about that. Therefore I made an appointment with an associate at CHASE local branch, XXXX XXXX, who understand my question and called the headquarters from his office. Again, I was explained from a different representative that the exchange rate is automatically calculated, however she could not explain the notable difference from the official rate and the rate that was used. I asked to escalate my complaint and, after speaking to three more specialists, I was finally answered by supervisor XXXX XXXX XXXX XXXX, who explained that the originating bank ( not the receiving bank ) was responsible for deciding the exchange rate. I respectfully ask her to put that statement on paper so that I could contact the originating bank, however she answered that she was unable to do so. I expressed my disappointment and told her that I would take my complaint to CFPB. I already paid two fees for the transaction ( XXXX  XXXX to the originating bank and XXXX XXXX to the receiver ) : I shouldn't be " taxed '' using a manipulated exchange rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have been a customer with Chase Bank for about 12 years. 
I have a personal checking a business checking a merchant account a savings account and a brokerage account. All in good standing. 
I have an over all credit score of XXXX across the three big bureaus. 
I have an income of about XXXX dollars I have a number of XXXX XXXX all in good standing. 
I have NEVER missed or been late on a credit card or loan payment. 
I have always kept my Credit Utilization low. 
And yet I have been turned down ( Even though the application said I have and " Outstanding '' chance of getting the card ) I just went to this page today to try again. It is a preapproval application which says there is not hard pull. 
I filled in the requested information and when I clicked on " Submit '' I was told you may have opted out and there are no offers for you.

I called Chases and spent a total of about an hour and a half ( 90 Minutes ) being bounced around from one department to the other and no one... absolutely no one could or would tell me what the problem is. I asked for supervisors and they told me the same thing. 
I asked if they could help me to figure out how I could get a credit card with Chase. 
I told them I have been with Chase for about 12 or more years and yet I could not seem to get a credit card. I told them I tried to Preapprove but was not told that either there were not current offers for me or that I was declined for a particular reason. 
I all but begged them to help me. 
No one would. They could not give me a single reason that I was not offered a card or what went wrong with the Preapproval process. ( See below ) https : //www.chase.com/preapproved I asked them to help me to figure out what I need to do so that I could eventually get approved for a card. A game plan if you will. No one would answer or advise of help me in any way at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have had a number of recent unauthorized credit inquiries added to my credit report and needed a correction or removal of all inquiries from XX/XX/XXXX  to recent to be deleted from my credit reports immediately due to unauthorized hard credit inquiries. Companies told me that this would be a, " soft credit check. '' I did not authorize any hard credit checks and ask for their immediate and permanent removal from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023 they charged me for three {$60.00} transactions in overdraft fees. I checked on the fees and they corrected it to {$35.00} and there were only two overdraft transactions. There was not a notification or apology. the event makes the Wells Fargo Bank untrustworthy. I collected information on how to file a complaint. The process seemed daunting but to my surprise it was not too bad.

Company response to consumer: Closed with monetary relief