BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was recently assessed a fee by Wells Fargo that was invalid. I was assessed a fee on XX/XX/XXXX for transferring money to my savings account out of my checking on XX/XX/XXXX. The fee is invalid for 2 reasons 1. if my account were to have gone negative on this day Wells Fargo would not have let me transfer the funds because my account has always been set to pull from my savings If my checking does not have the funds.

2. On the day I made the transfer I still have money to left in the checking account. 

What really happened was I had a an authorization for a charge that I thought was XXXX so I had that amount in my account the same day that it posted which was XX/XX/XXXX I saw it was for XXXX more so I went to the atm before XXXX and deposited XXXX to cover the transaction so I would not get an overdraft fee, but somehow Wells fargo managed to charge me a fee anyway. 


I contacted the call center to inquire about the fee and I was given a bogus answer, I requested to speak to a supervisor and was told the same thing so I requested to speak to that supervisor 's supervisor and she transferred me not to her supervisor but to wells fargo customer service department. I spoke with the customer service rep and after conversation with her she did over me partial refund of the fee, thats not acceptable because I was not in overdraft period to have a fee, so I requested to speak to her supervisor after holding for more thna 30 minutes she tells me her supervisor says he is too busy with other customers to talk to me and that I needed to be transferred to his voiccemail to leave him a message, i declined the transfer and preferred to wait a little longer, I had already been on the phone over an hour anyway, the rep came back to the line again stating her supervisor says he was not going to speak to me regardless of how long i wait so i told her to let me leave him a message, instead of her transerring me to his voicemail she transfers me to an outside phone of a truck driver that has no affiliation with wells fargo at all.

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 2021-12-01
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2021 I wrote to Experian to bring to their attention multiple accounts they have furnished on my consumer credit report that were false and/ or inaccurate. In my letter, I explained the reasons for the accounts being false and the reasons why they require removal. In accordance with the FCRA, a federal law, I was very clear and gave them ample time ( 30 days ) to reinvestigate these accounts and provide me with specific information from their investigation - also in accordance with federal law. Although federal laws are also public knowledge, I also explained to them in my letter that if they did not conduct a proper investigation as required by law within the 30 day window, these accounts would need to be deleted from my consumer credit report. To add to my certified mail receipts, I have sent them a demand to comply letter on XX/XX/2021, 31 days after the dispute was initiated. It has now been 32 days. Federal law states, that credit reporting agencies have assumed a vital role and there is a need to insure they exercise their grave responsibilities with fairness and respect to the consumers privacy. Federal law also states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner which is fair and equitable to the consumer. At this point, this is not fair or equitable and it has caused me much distress to still have these inaccurate and false accounts attached to my credit report. Please, as the CFPB, please support the consumer agencies in doing what they already must do- comply with federal law and treat consumers fairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Date- XXXX-2021 To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, 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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My identity was compromised and someone used my social to apply for several credit cards under my name where I never applied for new credit cards or lines of credit. I called and spoke with all 3 credit bureau agencies and the creditors to get this matter resolved and I was unsuccessful in getting them to remove it. I explained to them my identity was stolen and I was not the person applying for credit when I asked the credit card agent at the fraud department to tell me what address they had on these applications they told me that they didn't have that information to give me. 

According to the FCRA, my credit report must be accurate and I definitely didn't apply, authorize, or give consent to run any inquiry on XX/XX/XXXX, XXXX, of XXXX for credit. All of these inquiries from Trans Union, XXXX, and XXXX Must Be removed and deleted immediately as follow : XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2017-08-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting XXXX, Equifax and XXXX to accurately reflect the account status o my Credit Reports!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Subject : Urgent Complaint Regarding Service Approval Delay I have diligently attempted to resolve the pressing issue at hand with XXXX XXXX. Since XX/XX/XXXX, I have made numerous calls to obtain approval for service at XXXX. To expedite this process, the service advisor at XXXX reached out to XXXX, the service manager at XXXX XXXX, but regrettably, we have encountered persistent roadblocks. XXXX, a manager at XXXX XXXX, gave me assurance on Wednesday, XX/XX/XXXX, that my approval would be granted by Friday, the XXXX at XXXX XXXX coinciding with the return of XXXX, the finance manager. 

It is crucial to note that my active and in-effect warranty policy, known as " portfolio protection, '' was an add-on service contract that I purchased for {$2400.00} on XX/XX/2021. This service contract has been in effect, and I rely on it for necessary repairs and service coverage. 

The urgency of this matter is amplified by the fact that my car was overheating, rendering it impossible to drive to the purchasing dealer. The nearest authorized service center was XXXX, which I had to turn to for immediate assistance. 

Despite the assurance given, it is now Monday, XX/XX/XXXX, and the issue remains unresolved. This ongoing delay has been incredibly frustrating and has caused severe disruptions in both my work and personal life. The negligence on the part of XXXX XXXX has resulted in significant punitive damages. 

I urge you to take immediate action to resolve this matter and provide the necessary service approval. The continued delays and inconvenience caused by this situation are unacceptable and have caused undue harm. I expect a swift resolution to rectify this situation and prevent any further damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 reviewed my consumer off report and noticed there are inquires that I never authorized. Consumer reporting agencies have assumed a vital role and have a duty to report consumer information with MAXIMUM accuracy. I have been a victim of identity theft and would like an investigation on who gave permission to authorize the following inquires XXXX employees XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX Please investigate and provide the proof that I gave permissible purpose aka hand writing consent to authorize these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX : XXXX : XXXX XXXX XXXX  / XXXX :  XXXX XXXX XXXX : has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Bluebird American Express suspended my account on XX/XX/2020. I recieve my unemployment and other financial deposits into this account. I have called all morning and tried to log in my account. Everytime I call they tell me my account is suspended but disconnect the call. I have children and no money to get to. Just because I have deposits coming from the government doesn't mean I do not need my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-06-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started refinancing with original lender, Chase. Chase started the refinancing by charging {$500.00} good faith deposit. 

After submitting all required documents, was conditionally approved. This is when the progress stalled. Chase became unresponsive. Called multiple people on my loan team, nobody answered. Asked questions on their web dashboard, nobody answered. 

After a month or so, I gave up and contacted different lender. Chase finally responded when I told them I want to cancel. Chase refused to refund the initial deposit, even though Chase did not provide the service it promised. Chase cites their Application Disclosure, which I have signed : > * If your application is denied, these funds will be returned to you minus the amount of any out-of-pocket expenses incurred on your behalf. A conditional approval or request for additional information is not a denial. 
XXXX XXXX XXXX Except where required by state law, these funds are not refundable if you withdraw your application or if we cancel your application because you didn't provide required documents to us in the time period we indicated. 

However, I only cancelled my application because Chase was neglecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i purchased my home XX/XX/XXXX i have the deed to show as well as the county. PHH mortgage is saying i purchased my home XX/XX/XXXX, i did a modification w them in XXXX my balance was 215k they advised me that they were going to put 55k  on the back of my loan but instead it was added to 215k which increased my balance they said after the modification my balance is 313k i have been going back and forth with them for awhile. i have been trying to do a refi but my balance is so high from the modification that i can do a refi. So I've been trying to get someone to assist me with this issue or help me understand. I've been in my home for XXXX  yrs and never missed a payment or did a refi. I did the modification for a lower payment which it was lowered by XXXX XXXX but that cost me 55k to my balance. my mortgage company is not helping me understand I've sent several emails and letter and i'm not getting anywhere. I did the forbearance this year XXXX so i understand this amount will be put back on my loan. but its not 55k I've never done a refi but even if i tried the mortgage company will take it XXXXyrs i should have plenty of equity but the mortgage company will be taking it. can you please assist 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 2021-09-13
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We Mailed via XXXX to XXXX XXXX and LoanCare LLC ( Mortgage servicers ) two checks we receive for XXXX XXXX XXXX for our roof repairs. We mailed check to XXXX Because their name was also on the checks. XXXX XXXX and LoanCare LLC sold the Mortgage service to XXXX XXXX  during the process and stated that the funds for the roof repairs was forwarded to XXXX XXXX  on the XXXX of XX/XX/XXXX. However XXXX XXXX and LoanCare LLC Customer service also stated the they released payment to on the the XXXX of XXXX, XXXX. We contacted XXXX XXXX  customer service customer service and we understand that they did not get any roof repairs funds from XXXX XXXX and LoanCare LLC The following documents was also sent to XXXX XXXX and LoanCare LLC on XX/XX/XXXX as per their request via Fax : 1 ) Contractor W-9 2 ) The signed contractor agreement 3 ) State Farm Estimate for roof repairs 4 ) The Contractor 's Estimate 5 ) XXXX Contractor Waiver 6 ) Contractor 's License 7 ) Contractor 's License These Documents are also attached In good faith the contractor repaired the roof on XX/XX/XXXX, but we are not able to pay the contractor because XXXX XXXX , Loancare LLC and XXXX XXXX  are pointing their hands on each other as to who need to released payment of the State Farm checks that was sent to XXXX XXXX , LoanCare LLC . We are in the middle like a tennis ball batting around by these Mortgage servicing companies. Can you 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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-13
Company: Synovus Bank
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation