BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, My name is XXXX XXXX I recently purchased a cashiers check from the XXXX and XXXX location in XXXX De, the fee was {$8.00} the amount was XXXX written out to XXXX XXXX  I was informed I needed 2 separate cashiers check to go back to chase I went Tuesday XX/XX/12 the same teller had me sign the cashiers check her manager XXXX whos the branch manager came over wrote on the check not used for intended purposes and told me my funds would be available the next day. Today is that the funds are not available I was told to call XXXX option XXXX cause it was hold on the cashiers check they would remove it, I waited on hold 1hr and the representative got back on and said my account is being restricted and closed not sure no answers and the branch hasnt returned my call. These funds was for me to close on a property yesterday and I really need the balance no one could give me any reasons and at this point I just want my funds released and to be done with chase. I was at the Branch on Tuesday for 40 min while the branch manager XXXX attempted to assist me and today I spent an hour on hold to be told My account is being closed. Please help this is holding my funds hostage. 


XXXX XXXX Sent from XXXX for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I spoke with a loan re for Amerisave Mortgage, a subsidiary of XXXX Mortgage, I believe. 
The loan rep I was dealing with XXXX XXXX, told me that I had to give them a non- refundable deposit to secure my refinance with Amerisave. I spoke to another lender shortly after and he told me that I never needed to give them any money up front to secure my loan. When I heard this I e mailed her on Monday, XX/XX/XXXX, that I wanted my loan cancelled and I wanted a refund of the {$500.00} dollars I had sent Amerisave. She told me she did not think I would get the money back since it was NON REFUNDABLE.

Isn't there required to be a 3 day right of recission and don't the loan guidelines prohibit non refundable monies, especially when you cancel the loan within 3 days?

I find this to be predatory lending practice and that is why I am reporting it. 
I would like your help to secure the return of that {$500.00} to me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion refuses to delete the negative reporting of my Chapter XXXX public record. Transunion refused to review my dispute and referred me to XXXX XXXX, a third party reporting agency. XXXX and XXXX complied after receiving my dispute with the letter from the bankruptcy court stating the courts do not report to credit bureaus. I tried over 3 times to reach out to XXXX XXXX, but they refuse to confirm how they received my information. Each time, they provided me with a code to review my XXXX XXXX report. This is absolutely a violation of the FCRA and I want Transunion and XXXX XXXX to be held accountable. The negative reporting from Transunion has ruined my life and credit profile. I am unable to get housing during this pandemic because of this negative reporting.

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 2023-08-23
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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX  claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report and more than 45 days later I still havent heard anything back. I think my complaint is being disregarded and that I am being victimized. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations. within 30 days is cause for immediate removal of all those allegations from my credit report. Given that it has been more than 60 days, they should probably be deleted. I demand that this account be terminated right away or else I pursue you for the anguish you put all my life. The Equifax XXXX XXXX breach exposed my information well as, and is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 1 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: AXOS FINANCIAL, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
As of today, XX/XX/2021 per my APP, XXXX, XXXX and XXXX are still pending from my account and reflect, " processing ". XXXX even stated which I have in writing, advised they were still withholding funds from the account. The amounts that were pending authorization, have not been released. I've followed the protocol to submit the form in which four points provided too and there is still not a solution. This is unethical and I would like a ledger balance showing the pending hold and the so called proof of the release on paper. It seems that when there is a hold, there is a disconnect with the app and the funds appearing they're being released on XXXX end. In reality, they're not. Please review properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Uplift, Inc
State: GA
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:
ACTIONS BY ME : XXXX was notified by email and alert from XXXX- ( A new account was opened ) from UPLIFT , Inc. Opened XX/XX/23, Amount XXXX XXXXXXXX pulled my XXXX report and filed a dispute XXXX UPLIFT , Inc advising ID Theft XXXX 
XXXX-I placed a FREEZE on my XXXX credit report. 
XXXX UPLIFT , Inc spoke with Customer XXXX advising them of ID Theft, as I did not voluntarily open credit for myself or for anyone else with UPLIFT. I verified my personal information with them. 
XXXX made follow up call with UPLIFT, Inc- no one would give me any information. 
XXXX-Received email from UPLIFT, to fill out an ID THEFT AFFIDAVIT form to download and submit back to them. The Affidavit form would not download to an acceptable PDF. I called back to inform them of the trouble I was having, they said no problem just email it back to XXXX from the XXXX XXXX. 
XXXX I called XXXX to informed that I was having a difficult time with Uplift , Inc that I asked to speak with XXXX or someone in the XXXX Dept and all I get was voicemail stating to leave a message and someone will call me back..NEVER RECEIVE A CALL. 
XXXX Called UPLIFT for an update, once again nothing! Except for a the person 's name and credit was use for XXXX XXXX XXXX XXXX. 
XXXX-Received response from disputeXXXX Uplift , Inc reports that this account belongs to me. 

Uplift , Inc is allowing bad credit practices, and allowing people to use others personal identification, without validating one 's identity. I have done all that I can do to prove my innocence. I never received any type of correspondence via USPS or email, nor did I receive phone call solicitation asking if I wanted credit with UPLIFT. 
I only found out about this because of the alert from XXXX letting me know of the new open credit. I currently have FREEZE on all XXXX credit reporting agencies. 
Please help me, I am a victim of ID Theft, I did not apply for credit with UPLIFT , Inc. I have already notified the XXXX of UPLIFT , Inc of their bad practice. 
The burden of proof is now on UPLIFT , Inc to show that I signed an UPLIFT , Inc credit application, address, and phone # used, or if done online, there should be an XXXX tracking where the application was originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-10-12
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account NORDSTROM/TD BANK is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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: Their investigation did not fix an error on your report

Complaint:
I have two dismissed bankruptcies on my Experian report. I have disputed these bankruptcies for years. Finally Experian told me that I had to dispute them with XXXX, which I did. XXXX removed them. Experian still refuses to remove them, saying that XXXX is certifying that they are in their data base. XXXX is telling me that they are not certifying to Experian that these bankruptcies are in their database. Im caught in the middle. I have letters from XXXX saying they were removed, which Experian is ignoring. I want these items removed. It should not take years to have this corrected.

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 2023-10-19
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have attached relevant documents, including bank statements, correspondence with US Bank, and any other supporting evidence to substantiate my claim. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take the necessary steps to ensure a fair resolution. 

I appreciate your attention to this urgent matter and look forward to a prompt response. Should you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your assistance in rectifying this grave error and holding US Bank accountable for their actions. 

Yours faithfully, 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 monetary relief
Consumer complaint received 2021-10-12
Company: WELLS FARGO & COMPANY
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2022-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called wellsfargo on XX/XX/22 to get a refund I was scammed from XXXX XXXX XXXX XXXX the said they would give me a loan modification and never did anything for 9 months asked for a refund of XXXX dollars now there not answering the phone. So I called wellsfargo for a refund said the couldn't do it because it was 180 day I believe this is not fare I had no protection for my money please help thanks.

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 2023-06-14
Company: SYNCHRONY FINANCIAL
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 and XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-22
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I called BSI Financial Services to explain that my outgoing mail had been stolen, including checks, so I closed the bank account that BSI had on file and wanted to share my new checking account information. 

I followed their procedure to change this information, yet my XXXX payment returned NSF. I called them, they said it was a time issue ( change done too close to the draft date ). I replaced the payment. 

I asked them to waive the NSF fee of {$25.00}, but they didn't. I asked them to waive the {$79.00} late fee which they eventually did. 

My XXXX draft was also returned NSF, which incurred another {$25.00} NSF fee and another {$79.00} late payment fee. I called again, replaced the payment and asked to confirm my account information. They told me that when they received my new check, it was input into their system incorrectly - a simple typo. 

I said that's fine, and asked for all fees to be waived. They refused. I have called multiple times and have been transferred to " the Office of the president '' which is just a voice mail. No one has returned any of my calls and I am not making progress with customer service representatives because ... .they said they can not waive the remaining late fee and 2 NSF fees because they already waived a fee. That is their standard practice. I explained these fees were all caused by their company, not by me, but they won't budge. 

I am seeking reimbursement/credit of {$79.00} late fee, and {$50.00} in NSF fees XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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:
XXXX XXXX XXXX Northwest XXXX Court XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple creditors and the accounts associated with them. After careful review of my credit reports, I have identified several instances where I believe violations of consumer protection laws may have occurred. I am seeking your assistance in investigating these matters and ensuring that my rights as a consumer are upheld. 

The following violations have come to my attention : XXXX. XXXX XXXX  ( # XXXX ) : - Violation : Failure to provide accurate and verifiable information about the account. 

XXXX. XXXX XXXX ( # XXXX ) : - Violation : Alleged unfair practices in relation to account management. 

XXXX. XXXX ( # XXXX ) : - Violation : Insufficient or inaccurate information provided about the account. 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ), XXXX XXXX ( # XX/XX/XXXX ), XXXX XXXX  ( # XX/XX/XXXX ), and others : - Violation : Failure to properly disclose terms and conditions as per TILA ( Truth in Lending Act ). 

XXXX. Settlement Office ( # XX/XX/XXXX ) : - Violation : Lack of transparency in settlement procedures as per RESPA ( Real Estate Settlement Procedures Act ). 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ) : - Violation : Alleged unfair practices in account management. 

I have personally experienced the negative impact of these violations on my financial stability and overall well-being. [ Provide details about how these violations have affected you, such as increased interest rates, difficulties obtaining credit, emotional stress, etc. ] I respectfully request that you conduct a thorough investigation into each of these violations to ensure that the creditors involved are held accountable for any breaches of consumer protection laws. Furthermore, I request the removal of the unverified accounts associated with these creditors from my credit report. Doing so would not only rectify the inaccurate reporting but also contribute to restoring my financial standing. 

I greatly appreciate your attention to this matter and look forward to a prompt resolution that upholds the principles of consumer protection and fairness. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief