BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the 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 2021-02-03
Company: Experian Information Solutions Inc.
State: WA
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 an identity theft complaint to XXXX XXXX Experian XXXX  and XXXX. I have supplied a notarized affidavit and statement that the item from XXXX XXXX is not mine. I am attaching to this complaint my affidavit, letters to XXXX XXXX Experian XXXX  and XXXX  notifying them of my dispute under Section 609 FCRA and that the debt in question is an identity theft case. I am also attaching my reference number filed with The FederalTrade Commission regarding identity theft. I can not qualify for an apartment with this debt on my credit report and I feel as though it is illegal for Experian XXXX and XXXX  to allow this to be reported to my credit bureau so a debt collection agency can try to extort money from me. I am XXXX years old and this is very stressful. 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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit ReportingAct 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid Care Credit/Synchrony Bank on XX/XX/2018 and they continued to draft my account for XX/XX/XXXX and XX/XX/2018 after the account was paid in full. Each month I received a statement now with a credit balance because they continued to draft my bank account for an account that was paid in full. I contacted customer service and they promised my account would not be drafted again but the next month it was again. I finally had to place a stop payment on my account to stop them from drafting my account for an account paid in full. As a curiosity, my bank did not charge me for the stopped payment I requested. This was the only way to stop them from drafting my account. I paid the account off before interest started. Since they continued drafting payment, then interest kicked in on a paid in full account. They charged {$380.00} against my credit report, causing my A-1 credit rating to drop into the 600.

They sent a refund check for {$90.00} for XX/XX/XXXX but did not send a check for XX/XX/XXXX. I received a check for XX/XX/XXXX but Care Credit stopped the deposit and my bank charged me for the stopped check but finally waived this fee. I have been working with XXXX to get the matter cleared up for two months. XXXX   gave me the run around until I asked to speak with a supervisor to finally get them to review the documentation I provided containing a letter and a statement from Care Credit stating my account was paid in full. XXXX investigation is now still pending. Please help so others do not scammed by their deceptive and fraudulent practice. 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 non-monetary relief
Consumer complaint received 2018-02-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
An inactive that I have had for many years was cleaned out by an identity theft. There were many red flags during the transaction when my money was stolen, and Chase employees ignored them and handed over my money with no attempt to call me or my parent cosigner on this account ( the account was opened when I was very young, over 30 years ago ). The thief had my statements diverted to a gmail account and I had stopped receiving the statements. Since I wasn't getting statements I was not aware of the theft. Since I did not notify Chase about the theft, because I didn't know about it, WITHIN 30 days of the theft, Chase has refused to reimburse me, AND they also charged me {$20.00} per month for this account from the time of the theft to the time I discovered it, because the amount dipped below the {$15000.00} that was the level it needed to have in there to avoid the fee. I have worked with Chase employees at my local branch, all the way up to the " executive branch '' at a national level, and all refuse to accept responsibility and refuse to refund my money. I can't be the only one this has happened to. Chase made XXXX XXXX dollar profit XXXX quarter 2017. What is a nothing amount of money to them is a serious financial blow to me- I was saving that money for my retirement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-12
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 is missing that should be on the report

Complaint:
XXXX  XXXX XXXX erroneously closed my credit card account last year then reinstated it since they made the mistake. This active credit card still shows the account was opened in XXXX, but the XXXX  XXXX XXXX XXXX, ending in XXXX, is nowhere in my credit report. Since it is the oldest account I have, I need it to show in my credit report, but it doesn't show up anywhere. I spoke with XXXX  XXXX XXXX last year, but they said they don't have to report it. Please assist me. I am trying to refinance my mortgage, so the " oldest '' account currently shows as my current mortgage I opened in XXXX. I need my credit to show I have had a credit card in perfect standing since XXXX. Thanks so much!

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 2018-09-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from Equifax, XXXX, and XXXX. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Below is what I've submitted to Wells Fargo. I'm trying to close on a house, and this issue is what is holding it up. I was told that the issue would have a resolution on XX/XX/XXXX, and was told on XX/XX/XXXX that now it won't be resolved until XX/XX/XXXX. Over the last few months Ive had many, many issues in regard to my automated online payments. On SaturdayXX/XX/2018 I logged into my Wells Fargo mortgage account to make sure my automated  payment had gone through, or was pending to submit. On this day, I saw no pending amount on either my checking or mortgage accounts, and nothing was listed in my scheduled transactions. I got nervous, as I didnt want for it to be late and forced a payment through. On Monday, XX/XX/XXXX I received notice that I was hitting an overage fee, as there was not enough money in the checking account, because it was trying to push two payments through to my mortgage. I called and went into the bank to put a stop payment on one of the payments so that I would not continue to receive overages. I strongly believe that this was a technical bug since I did not see any pending payments and would have never submitted another payment if I knew it was coming out. After the issue in XX/XX/XXXX, I was told that everything should be fine and to trust the automated payments going forward. I assumed my XX/XX/XXXX payment went through, as I saw it posted on XX/XX/XXXX and confirmed with an agent that it was paid ( you can look through my login history, and call/ticket history ), only to be reversed by Wells Fargo XX/XX/XXXX. I did not receive a letter from Wells Fargo telling me that the payment was late until XX/XX/XXXX, after the 30 day late payment. I have several calls, office visits and emails requesting to ensure that everything was fine with my account, as I didnt want to be overdue. As you can see it happened again in XX/XX/XXXX, even after I had confirmed with your staff that everything looked fine. I am very disappointed and frustrated as I have a paper trail where I have made payments, only to have them reversed, and only to be told by Wells Fargo that everything is fine with the account. We are now looking to have a child and buy a new house closer to family, but our credit scores have been badly damaged by this issue which I strongly believe stems from a Wells Fargo technical glitch, and several Wells Fargo customer service interactions where I was told the issue looked fine and wouldnt happen again.

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 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a certified letter with return receipt to Transunion on XX/XX/2020 about an account in collections that I did not recognize and asked them to remove it from my credit report because it is unknown to me. I have never done business with this company ; I never signed a contract with this company. As of XX/XX/2020, I have not received a response from Transunion regarding my letter. Transunion had 30 business days plus an additional 15 business days because of the pandemic to investigate this and it has been well over this time. Additionally, this unknown accounts status was never updated as in dispute. According to FCRA section 623 ( a ) ( 4 ) [ 1681s-2 ] If a consumer reporting agency is notified that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Transunion has had more than enough time to investigate and not only have they not deleted this account from my credit report, but they have also failed to respond in the required time allotted.

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 2018-10-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
additional docs - Rushmore states that my account was still under foreclosure - affirmation docs were sent in and modification was completed around the same time. Previous servicer had the docs and therefore continued to send the statements. 

XXXX XXXX has not send statements and updated my credit score to reflect my loan was written off due to bankruptcy - thats not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: EQUIFAX, 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:
It has been brought to my attention that I have a XXXX XXXX XXXX account opened in 2017 in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: U.S. BANCORP
State: CO
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:
I have contacted US Bank, filed CFPB complaints, starting with charges by " XXXX '' to my account. These transactions have been typically {$4.00} - sometimes more than once a month. I reported this last year, this year, last month, this month to US Bank. US Bank responded saying I reported this to them. US Bank stated " our fraud department would be in contact with you ''. No one has contacted me. Yesterday, another " XXXX '' charge appeared on my account. I am on hold now with the " US Bank Fraud Department ''. Have been on for 15 minutes. 
I see two charges from " XXXX XXXX XXXX '' on my account. I live and work in XXXX, CO. I do not know anyone in Oregon. Against my wishes, I will now have to cancel this account, which will cause direct payments from my account with valid organizations I have chosen, to be re-done with new card information. 
I demand a satisfactory reply from US Bank on my previous fraud complaints. I show no refunds made to my account. I show no refund of overdraft charges. I show no assistance from US Bank at all. 
Yesterday, I stood in line outside the US Bank branch at XXXX and XXXX  XXXX in XXXX, CO. As I stood there, I spoke to one old woman who had called that morning to find a branch which was open in the XXXX area. She was told there were 2- one off XXXX XXXX , and one off XXXX and XXXX  XXXX- She arrived at the XXXX branch to find the computers were down. She arrived at the location I was at to stand in line again. She had been at this for 3 hours that morning. When I got inside, there were 7 teller windows, but only 3 tellers. US Bank has shut down branches all over XXXX, and the only one open on XXXX is staffed by 3 tellers? Undeniably, US Bank is  one of the worst banks in the United States. 
XXXX XXXX, XXXX CO XX/XX/20

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 2018-02-12
Company: Franklin Credit Management Corporation
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:
I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX Do Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Experian Information Solutions Inc.
State: OH
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:
I have attempted to send letter to all three credit bureaus ( XXXX, experian, XXXX ) with no solution. These letters was first sent to the bureaus on XX/XX/2019 with only a response from XXXX that I should contact the creditors, which I did at the same time as the bureaus. XXXX and Experian provided no response and no deletion for the unauthorized inquiries. On XX/XX/2019 certified letter was mailed out again to the bureaus ( experian, XXXX and experian ) for the same inquiries and I also mailed letters to each creditor that sent those unauthorized inquires.

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 2021-02-23
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed an account on my credit report listed in collections by XXXX XXXX XXXX for {$1400.00} that I did not recognize. I mailed a certified letter to XXXX delivered on XX/XX/XXXX formally disputing this claim and requesting they provide me with proper validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

They sent a response dated XX/XX/XXXX stating that the debt was verified, the debt was subject to resumption of collection efforts and updated their remark on my credit report as " Account information disputed by consumer, meets FCRA requirements ''. All that was included with this letter was XXXX generic monthly summary for XXXX with only my name and mailing information in the account information section of the notice. 

I sent a second certified letter dated XX/XX/XXXX stating that the generic monthly statement summary they sent me does not constitute viable evidence showing this account is being reported accurately. I do not recognize this debt and they have failed to provide me with evidence of any legally binding contractual obligation that I owe them the alleged amount. In response, XXXX sent me the exact same letter they sent the first time, only the date was changed to XX/XX/XXXX. With that letter they included 12 generic monthly statement summaries like the first one dated from XX/XX/XXXX to XX/XX/XXXX with only my name and mailing information in the account information section of the notices. 

The next thing I know I'm being served a summons for a pre-trial hearing. When I attended via XXXX  on XX/XX/XXXX I met with an attorney representing XXXX that told me that XXXX did not have my signature on any documents but that the monthly statements that were provided to me were sufficient evidence and that they were suing me for the full balance owed and attorney costs. I now have a trial date set for XX/XX/XXXX. 

I do not recognize this debt, XXXX never verified the debt, it was reported as if it was verified to the credit bureaus and their only response to my requests for more information was to sue 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 2023-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Many years ago I set up overdraft protection on my USAA checking account with my savings account protecting. I have never had to use the overdraft protection in the 20+ years until recently. I was a little short on a bill and my HOA was told there was non sufficient funds. 

When I called USAA to find out why I had non sufficient funds when I had overdraft protection. I was informed that my checking account was only protecting my savings account. Not the way I told them to set it up. Why would I set it up that way when I write checks every month and I only add to my savings account? I know I wouldn't do that. I was charged a returned check fee from my HOA. I have been unable to reach a supervisor from USAA to discuss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief