BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: AMERICAN EXPRESS COMPANY
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX. I have been a member of American Express ( AMEX ) for over 20 years since XXXX. 
XXXX. In XXXX of XXXX, AMEX via letter requested confidential corporate financial information regarding the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I'm an owner of XXXX. XXXX had a corporate card in good standing with AMEX since XXXXThere was no indication to why this financial information was needed nor what it was to be used for. I was only provided 14 days to provide the information. The letter did not state the penalties for not providing this information within the timeframe. 
XXXX. I spoke to representatives at AMEX on XX/XX/XXXX and again on XX/XX/XXXX. I was told that both my personal and corporate cards were in good standing and had no charging privilege restrictions. I was not notified by these agents of a pending financial review. 
XXXX. I reviewed my charges and balance activity several times a week on the AMEX app. There was no indication on the app that my accounts were pending financial review or in jeopardy of cancellation. 
XXXX. Approximately XXXX week after my last phone call to AMEX the Financial Department cancelled both my personal and business accounts when corporate financial records were not received. 
XXXX. I was under the impression that this was a temporary suspension of charging privileges due to a high corporate balance. 
XXXX. I failed to understand how failure to provide corporate financial records would lead to the cancellation of a personal XXXX account. 
XXXX. AMEX reported this derogatory information to all XXXX credit bureaus. This led to a drop in my credit score of over XXXX points and has affected my ability to obtain further credit either personal or corporate. 
XXXX. I was told by XXXX XXXX a representative of AMEX that I have a good case for reinstatement based on poor communication and confusion surrounding my accounts. XXXX separate departments were simultaneously acting on my accounts. Neither department had knowledge of the other 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Please HELP!!!!! 

I am writing to express my deep concern and frustration regarding an ongoing issue with my debit card account, more specifically with my bank WELLS FARGO. Approximately two months ago, I reported two transactions ( {$110.00} each ) made with my debit card in XXXX, XXXX as fraudulent, providing all the necessary details and documentation to support my claim. 

To my dismay, the bank has not recognized these transactions as fraudulent and is still holding me responsible for the unauthorized purchases. This situation is not only distressing but also places me in an unjust position of being accountable for transactions that were clearly made without my authorization. 

I have diligently followed the bank 's procedures, providing evidence and filing the necessary reports promptly. Despite my efforts, the matter remains unresolved. I kindly request a thorough reexamination of the case and a swift resolution to rectify this issue. 

I understand the importance of security measures, but as a loyal customer, it is disheartening to face such challenges when reporting fraudulent activities promptly. I believe in the integrity of your institution and trust that you will address this matter with the urgency it deserves. 

I appreciate your immediate attention to this matter and look forward to a prompt resolution.

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 2022-01-07
Company: Affirm Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have $ 10k in a savings account at Affirm. 
On XX/XX/2021 I saw a " confirm this is you '' email that was generated at XXXX. Since I didn't ask to be confirmed, I told Affirm about it the morning of XX/XX/XXXX. 
They responded at XXXX, " Hello XXXX XXXX Thank you for taking the time to speak with me regarding your claim. I apologize there may have been an unauthorized activity made in your name with Affirm. We take this very seriously and rest assured, I have already sent your information to the appropriate department to review your claim. I appreciate your patience and ask that you please allow 3-5 business days for the team to follow up on the email address you provided regarding the outcome of their investigation. If you need anything in the meantime, please do not hesitate to reach out. 

If you have any questions or concerns, contact us through the Affirm Help Center at affirm.com/help or call us at XXXX between the hours of XXXX XXXX XXXX XXXX XXXX CST seven days a week. 

Sincerely, XXXX XXXX. 
Affirm Help Center helpcenter.affirm.com ref : XXXX : ref '' Then I received an email on XX/XX/XXXX at XXXX, " Hello XXXX, Thank you for reaching out to Affirm. 

I see you were in contact with us regarding an unauthorized activity. I understand how concerning it would be to discover an unauthorized account may have been created with Affirm. I am more than happy to provide you with further assistance. 

Thank you for your patience as we investigated this matter on your behalf. We have placed restrictions on the Affirm account from obtaining any future loans. Rest assured, there were no existing loans on the account and there will be no impact to your credit. 

We apologize for any inconvenience this may have caused you. If you have any additional questions or concerns, please contact us through the Affirm Help Center at https : //affirm.com/help or call us at XXXX between the hours oXXXX XXXX XXXX XXXX XXXX XXXX CT, seven days a week. Thank you and have a wonderful day! 

Sincerely, XXXX XXXX. 
Affirm Help Center helpcenter.affirm.com ref : XXXX : ref '' I didn't hear from them again. On XX/XX/XXXX at XXXX I tried to sign in to my account and retrieve some of MY cash. 
I was denied entry and asked to call to confirm it is me. It said the account is frozen. 
I did call immediately. I verified with them that this is really me. I was told that they would get back to me in 3-5 business days. 
Meanwhile, I can not access my money. And I don't believe that I will hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately

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 2023-06-29
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:
Despite the multiple previous written requests, the unverified this item listed below still remain 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 XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2019-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I put a freeze on my account after EQUIFAX had a MASSIVE SECURITY BREACH and I was afraid my data would be hacked. I kept the unfreeze PIN safe, as instructed. 

Today, I am looking to apply to a new apartment with my partner. The real estate market is extremely hot in my city, so things move fast. The landlord said my credit was locked and we need to rectify immediately. 

I called equifax and they were INCREDIBLY UNHELPFUL. I was asked a series of questions - one was basically incomprehensible. I asked for clarification 3 times. The rep on the phone simply repeated the question. Then, because the question was so difficult to understand, I failed the verification. From that point, I was instructed that I 1. Was locked out of the process indefinitely. No escalation would help me.

2. I would need to take 5-7 business days to mail physical copies of my ID 3. Could not speak to a supervisor ( even though I asked MULTIPLE times ) I then tried to use their website. The " reset password '' flow is broken so I couldn't do that either. 

I was told this was so that Equifax could keep my data safe. The whole reason I am in this situation is because they did NOT keep my data safe. 

This is a horrible experience and will cost me this apartment. The fact that this random company that I did not consent to becoming a customer of has this influence over my life is APPALLING. ( not to mention the shady ways they are trying to get out of paying the settlement to many Americans. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX  account # 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

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 2024-01-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I simply requested statements from the loan servicer, BMO Bank. They refused to provide statements, saying that they are not required to provide statements by mail, or electronically. I can not give my information to my accountant because the loaning bank refuses to give me statements on my account.

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 2023-08-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened the checking account with Citizens bank in XX/XX/2023. At that moment, I was told by the Citizens Bank website that there's a welcome bounse if I open a new Citizens Bank checking account and receive at least XXXX direct deposit of {$500.00} or more within 60 days to earn a {$300.00} bonus. I met the requirement in XXXX XXXX then waiting until now. The bonus never credit to my account. After talking with Citizens bank for several times, they always say they're still investigating. I wait for 6 month and no update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my consumer credit reports and noticed that my former account with XXXX  XXXX with the account number starting with ( XXXX... ) is still showing and Account Status as a Derogatory account as a Charge Off and Closed. This account is settled and Paid In Full As Agreed with this creditor and Consumer reporting agencies have assumed a vital role and have responsibly to report consumer information that the best of their ability with maximum accuracy. This account is Paid in Full so please investigate and update my account status to Paid In Full with the documentation provided as proof to make this change.

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 2023-08-11
Company: VW Credit
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
At XXXX XXXX  my car was getting repo. I asked for all license info I was ignored. Then was told there was nothing I could do to stop him. It took XXXX to hook up my car once the back tires were lifted he dragged my car with the brakes on, causing a issue registered in my app. Its been XXXX hrs and have not been notified about a court order or seisure or my property. My car has been entered and moved a number of times while being stored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: ProCollect, 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:
Pro-Collect ( in copy ) refused to provide an email where they accept the " mistake they made '' reporting in my credit a collection that never below to me. 

The reported a collection for {$820.00} for a rental condominium XXXX XXXX XXXX. I have never rented in this place, I have owned my house since 2006 ). 

I tried to speak with the manager at Pro-Collect, but this person refused to talk to me ( my only contact was a supervisor ). 
I was a victim of identity theft from Pro-Collect ; they used my personal information, arguing that my name is common. That was the answer! 

They never took the time to verify the information ; it was very easy for them to use my social security because I have a " common name ''. 

You can contact XXXX XXXX from XXXXro-Collect Inc to verify this information. 

XXXX XXXX was the person who explained to me that they don't send this type of correction by email or letter because it is their " policy. '' Pro-collect can destroy credit and a reputation, but they aren't capable of accepting their " mistake '' in writing. 

I disputed this collection in XXXX and Procollect confirmed that this account is below to me. 

Their phone number is XXXX, account # they gave me is 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 2024-01-03
Company: Diverse Funding Associates LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2024 XXXX at XXXX XXXX XXXX XXXX contacted myself and my sister within 5 minutes of one another. She answered his call where he discussed my debt and sensitive information over the phone while harassing her and violating code 805 ( b ) of the Fair Debt Collection Practices. Also, the debt collector on this account is listed as DNF ASSOCIATES LLC, which is not the company that was calling me. This is violating accurate credit reporting. I called XXXX back and he confirmed on a recorded line that he called my sister and said I could no longer contact XXXX XXXX but only him. 
Phone number : XXXX Associate : XXXX Calls : XXXX PST, XXXX EST, XXXX PST.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-08-12
Company: EQUIFAX, INC.
State: VA
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 of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX* Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Amsher Collection Services, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I XXXX for the number these phone calls are coming from, and it says they are from an " Amshare Collection Agency '', but to my knowledge, I don't have any overdue debts. Furthermore, XXXX shows that this company apparently randomly calls people who don't have any debts and is thought to be a scammer. The number they have been calling is on the XXXX XXXX XXXX XXXX and is my work phone number, so I don't have any way to change it. They have called at least four times in one day, and again XXXX reveals a pattern of harassive behavior on the part of this scammer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my new home XX/XX/XXXX, it was a brand new build. My servicer, US Bank did an escrow analysis in XX/XX/XXXX, they sent me a check for about {$970.00} and my payment went up about {$40.00}. I was under the impression that they did the escrow analysis on the tax appraisal value, which was done XXXX or XXXX 2018. I kept checking my appraisal to ensure that the new value was listed as I know that XXXX is when an escrow analysis is typically done. So when they did the analysis in XXXX I trusted that they used the new value. I was wrong, the sent me an escrow analysis XX/XX/XXXX, my payment went up {$900.00}. The servicer says that I am over {$6000.00} short in my escrow account. I always expected my payment to go up about {$200.00} - {$300.00} since it was going from land only to a new structure being built on it. So the payment went up, as I expected but then I have to pay another {$500.00} for the shortage. 

I called them and asked them why they didn't check with the XXXX XXXX Appraisal District for the new value, I was told they just went by the invoices from the previous year. I feel they are at fault for not doing their job to get the new value, especially when the property starts with land only. 

So now this puts me in jeopardy of losing my home, who can pay that much more for a house payment. I got no sympathy from the servicer. 

I don't know what can be done but I don't feel that they did their job properly and now I have to suffer for it. I don't know what the laws are, but I feel that servicers need to make sure that they have the most updated information from the appraisal district. How many other people has this happened to, it is just wrong. This has caused a lot of stress, when it could have been avoided. I trusted them to know what they were doing, but obviously they don't. 

Please help me so I don't lose my home. 

Thank you, 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