BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: UNITED COMMUNITY BANK
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Starting XX/XX/2023 my partner and I had started the process of accessing this account, which belongs to my father. ( He is unwell and moved to assisted living. ) We obtained a POA and have been using it since XXXX to get my father 's financial affairs in order. This bank has dragged its feet every step of the way and took months to even read the XXXX and accept it. On XX/XX/XXXX, almost three months later of back and forth, they have accepted the XXXX but say it only gives me the power to change his address and order checks. They will not let me get online access to the account, issue a debit card, or close the account. I can not even see what's in it or coming out. They want a notarized letter to do any of that. That is not how the POA works. My father 's other bank, XXXX XXXX, accepted the XXXX in a week and granted me full access which is what the XXXX does. Every other account, from banks, retirement accounts, pension, debt collectors, and utilities has accepted the POA except for this bank, United Community. 

Like I said, they have dragged this on since XXXX. It's hard to get them by email or phone and there are no branches near me. They are going against a notarized POA and what it lays out and says. They are telling me to get a notarized letter which doesn't make sense. In telling me that, they also said to make sure any recurring charges are handled, and when I asked how I'm supposed to do that without having access to the account, they ignored me. 

I have no idea what's happening to my father 's money in that account. Neither does he because he can't access it and keeps forgetting that he even has it. It has money in it and recurring charges. Are any of them fraud? Is it over drafting the account? Is it junk he doesn't need? I don't know because they're ignoring my POA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2023-07-28
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a new high yield saving account on XX/XX/XXXX with XXXX, part of the Key bank. I transferred some money. The fund has been being locked and under review. I am not able to log in the website. I tried over 20 times to log in and it always says system error. In the past 38 days, I called XXXX customer service 3 times and it is still not resolved. 

I got a letter from KeyBank on XX/XX/XXXX stating my account could be a fraud. That's rude.. What makes you think it's a fraud? The frustration of opening account and irresponsiveness of review process make me think this bank is a fraud. 

I called KeyBank customer service but they asked me to call XXXX.. OK then why did I receive a letter that says to contact XXXX This bank, in my experience, fails their cirtical operations with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
In applying for a mortgage for my new home, it was brought to my attention of an old mortgage collection with two different mortgage companies that are actively reporting to my credit report from XXXX. Aurora Bank # XXXX is reporting with XXXX and XXXX XXXX XXXX & XXXX # XXXX with XXXX. Both of them have the exact same loan amounts, open dates and past due balances. When attempting to reach XXXX Bank, no one single number listed on the report or internet work. All numbers ring until disconnect or just hang up. With XXXX XXXX, when I call they can not locate any file under my social, name or address yet they are still actively reporting to the bureaus. These accounts have now dropped my credit score over XXXX points and I no longer qualify for my mortgage that was set to close on XXXX/XXXX/2016. My disputes with XXXX and XXXX have yielded no results and I can not obtain a reasoning for this. Please help me with the removal of these accounts as I have never owned a home in my life and am trying to obtain my first one this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this mortgage company AMERIHOME MORTGAGE XXXX XXXX XXXX XXXX NJ XXXX MY LOAN NUMBER XXXX HAS MISAPPROPRIATED MY MONEY IN THEIR ACCOUNTING {$170000.00} ON XX/XX/2018 PRINCIPAL BALANCE ONLINE {$160000.00} ON XX/XX/2018 PRINCIPAL BALANCE ONLINE {$3500.00} DIFFERENCE MISAPPROPRIATED TO SUSPENSE DESPITE MAKING A REPAYMENT TOWARDS PRINCIPAL, PRINCIPAL HAS INCREASED INSTEAD OF DECREASING AND NOT GIVING ANY SATISFACTORY EXPLANATION FOR THIS FRAUDELENT MISAPPROPRIATION AS PER THE ONLINE CHAT TRANSCRIPT WITH THEIR CUSTOMER REP ON XX/XX/2018 ATTACHED HEREWITH BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Experian Information Solutions Inc.
State: NJ
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 has failed to provide me with validation of the below accounts made pursuant to the fair debt collection practices act and fair credit reporting act, along with the corresponding state laws. 

I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Please be aware that any negative remark found On my credit reports ( Experian ) from your company or any company that you represent, for a debt that I do not owe is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, uou must request that all credit reporting agencies delete the entry.

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 2016-08-12
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage was in forclosure. Our account has been caught up and in good standing since XX/XX/2016. We are continually getting approached outside our house from companies wanting to help with our foreclosure. Also, today someone put a sticker on our front door stating that this property is scheduled for final disposition. I have made several phone calls to our mortgage company to make sure we were in good standing and today is the first time someone offered to add a privacy code on our account so no 3rd party companies can access it. Unfortunately, it will not go in to effect for 30 days. I do not want my kids being approached outside my house! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: EQUIFAX, 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:
Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at XXXX XXXX indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through XXXX XXXX XXXX XXXX, 2021 One credit card applied for online through XXXX  XXXX on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for ( XX/XX/2022 & XX/XX/2022 ). 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 ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In accordance with The Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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. 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 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimea which antedates the report more than 7 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 2023-06-20
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a US Bank XXXX XXXX credit card, which offers trip delay insurance, as advertised here : https XXXX XXXX 

I filed a legit trip delay claim through US Bank 's partner XXXX on XX/XX/XXXX, requesting ~ {$400.00} reimbursement. Additional documents were submitted as required on XX/XX/XXXX. However, it has been over 4 months, I haven't received any feedback & payment. Today, XX/XX/XXXX, I noticed that XXXX closed my claim without payment & notification. Additionally, US Bank refused to act on behalf of me. 

This is a false advertisement of the benefit. I request US Bank 's response.

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 2023-11-29
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX EXP DATE : XX/XX/23 CVV : 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 2023-04-06
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 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 XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Phone calls from this number - XXXX, which is a scam number stating that extended family members have debt and that I am implicated. Most recent call and voicemail received on XX/XX/18 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not liable for this debt ( charge off ) with Citibank and do not have a contract with convergent. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX EXP DATE : XX/XX/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 explanation
Consumer complaint received 2023-06-20
Company: Netspend Corporation
State: AZ
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:
I charge my card for XXXX for flights with XXXX XXXX  XXXX and cancelled the transaction immediately. I spoken to XXXX/ XXXX and its a voided transaction and after 30 days the bank hasnt been able to return my money. Please help its an abuse!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: AR
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:
As I investigated my credit report, I found out that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Kindly ensure the accuracy of the account mentioned here in my complain. As a matter of fact I am not agree with this. I demand for your immediate correction and please investigate this unverifiable account : XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: NV
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 reported identity thief due to lost of ID and Social security card and rerouting of mail. I reported it to the FTC more than once and my credit is not being protected. XXXX until XXXX I still have someone applying and paying credit in my name. I have attempted several times to inform the credit reporting agencies, of this issue in which in return they have told me my social name and address was to to create the profile. I also provided the FTC report in return they told me was not vaild, now i have several debts on my credit report that does not belong to myself. In return I only own 2 credit cards which belongs to the company XXXX XXXX. The credit freezes on my credit report is not being use as the attempts are still being made to apply for credit by the unknown persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo deducted {$150000.00} in XX/XX/2017. 
Is from then that they don't give me my money from complaining and everything. 
They took in the last two months more than {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation