BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-17
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I referred my friend to apply the AMEX Gold Delta SkyMiles credit card through the link on my account page online. The referral bonus was XXXX miles. Usually the bonus would arrive in several days but I had not received until XX/XX/XXXX so I contact the AMEX representative online and was told it might take 6-8 weeks to get the bonus. I referred another friend in XX/XX/XXXX and got the referral bonus XXXX miles quickly this time. From last XX/XX/XXXX to this XX/XX/XXXX I contact AMEX representatives online for many times and each time I was told to wait for 6-8 weeks until they would finish the investigation. However when I contact them again today, I was told my reffer bonus offer was not XXXX miles but was XXXX miles per referral! Because I received XXXX miles already so that I would not get any more! I can't believe they told me this! During previous contact online I told the representatives my offer and I also copied the offer from my acount page it was XXXX miles from last XX/XX/XXXX to XX/XX/XXXX. I also told I thought the XXXX miles I got in last XX/XX/XXXX was for my referal in XX/XX/XXXX because my friend applied the card in XX/XX/XXXX got her open account bonus but the one applied in XX/XX/XXXX did not get his open account bonus either! Many of my other friends got the same bonus after they referred successfully from the end of last XX/XX/XXXX to this XX/XX/XXXX. I have been wating for about 5 months and because the refer bonus is not XXXX now that they said my refer offer was always XXXX. I can't trust them any more. That's why I ask CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent I C System 3 letters and I have not received any letter verifying the debt. The first letter I sent was on XX/XX/2022 requesting validation of the debt. The second letter was on XX/XX/2022 requesting additional information on the account. The last letter I sent them was on XX/XX/2022 warning them I will file a dispute with you guys. I also have not received any written document informing me of my rights to dispute.

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 2018-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX   XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX  v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent in inquire letters, and called nothing was resolved. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fcu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit. 

1.XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2022-09-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional mortgage with Pennymac Loan Services. My mortgage balance had fallen below 78 % more than 3 months ago but I am still being required to pay the PMI. 

Loan origination date : XX/XX/XXXX Original LTV : 81.8 % Current LTV : XXXX The estimated scheduled date to reach 78 % is XX/XX/XXXX Current on payments ( never late ) I made some extra payments to my principal after a call with the mortgage company on XX/XX/XXXX after they told me that payment will terminate the PMI, which it did not. 

I contacted the company 's Escrow department today and was told that according to the closing disclosure 's projected payment section, I will need to pay PMI for three years in total. The 78 % or originally scheduled date for 78 % LTV will not terminate my PMI.

One option I was given was to pay a one-time fee of {$100.00} to perform an appraisal to check if I qualify for PMI deletion. They mentioned that appraisal will cost between $ XXXX $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: CONTRACT CALLERS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report XX/XX/2018 and saw CCI was on my credit report for {$550.00} for a XXXX XXXX bill. I still have XXXX XXXX so i immesiately called them and I was told it must be some mistake because my services from my old address were transfered to my new address so There should be no past bill of XXXX. The XXXX XXXX  employee told me that my fonal bill from the old address was XXXX and was paid. I called CCI and explained they must have me mixed with with someone else and that I never recieved any notice of a debt from them and was not told in writing of any XXXX, I simply found it on my credit years later and It cant be true. I was met with hostility and I was told It was mine. I explained why did I never receive anything from Cci at all and she didnt answer me. I called XXXX XXXX again and they emailed me a final bill and said it must be a mistake but she apologized for XXXX XXXX having the old address and she said i dont think we sent the old bill to the new house even though we had that info because we switched services over. She said I must have paid the XXXX during the " transer over '' process because It was sent to the old address. i called CCI again and they refused to explain why I was never told of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hi,, Thank you for helping me. I have a relia debit card issued for the unemployment benefits this year from U.S. Bank. I had a bunch of fraudulent charges made to the card, around XXXX worth. I spent weeks trying to contact the bank and was unsuccessful. I finally got someone on the phone and submitted a dispute for each separate charge to the card, none of which are mine. About 8 to 10 weeks later I received a letter from them saying they found no error. The letter said I could request documents that they used to determine their decision. I wrote and requested these documents over 2 months ago and have never received anything. I have reached out numerous times by telephone and can not get anyone. These charges are fraudulent and they have done nothing to protect me or help me. I will fight this to every extent. 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
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$1200.00} XX/XX/XXXX XXXX  XXXX XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX XXXX  XXXX {$3600.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$780.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX NA XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$140000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: WELLS FARGO & COMPANY
State: NC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Record XXXX XXXX dollars was denied you have not explained nothing wells Fargo stole money from the bank and put XXXX in to my account to deposit a federal tax child income credit send me the letter stating this is legal. attached with my back statement you have not resolved this issue you were to only deposit the child tax credit not put free money into my account according to wells Fargo representative the called me regarding the case he said you complain about free money I said wells Fargo stole someone money and put it in my account the representative didn't seem to concerning about the issue .for claim XXXX XXXX for XXXX from woodspring motel again wells Fargo has not resolved this issue this transaction was not disputed wells Fargo has not pursued the issue or has not secured my account the have allowed an illegal transaction on my card to go threw and also steal my money out of my account woodspring doesn't not have compelling evidence I have said serval times to show me were XXXX XXXX check in and stayed at the motel check in at XXXX XXXX  at check out at XXXX on XX/XX/XXXX provide me with a video of me checking in and checking out. Also I need a confirmation and video of me checking in and signing the check in receipt. And I have said numerous times I didn't not stay at this motel nor is this my signature signing in at check in time of XXXX XXXX  on XX/XX/XXXX this is fraudulent and I have told wells Fargo about this wells Fargo has refused to investigate this issue properly. This case will not be closed until I see the results of what I have asked until you show the evidence that I have stayed at the motel and I check in with my signature.

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 2018-08-08
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/18 I applied for a XXXX card ( pre-approved ). During the application process, there was a disclaimer stating that applying for the card would be subject to approval and that doing so would NOT impact my credit score. I was asked for only the last 4 of my SSN, and as a prior XXXX XXXX member, the disclaimer seemed legitimate. However, I found out that XXXX did a hard inquiry on my Equifax credit report. I did not agree to this. If I had known about the hard inquiry, I would have thought twice before applying. The " will not impact credit score '' disclaimer is completely false. 

On XX/XX/18 I contacted Equifax and opened a dispute ; however, I was told this wouldn't do anything since it was not an inquiry due to fraud. Equifax instructed me to contact XXXX. I contacted XXXX/XXXX  and they said they couldn't do anything about it. After I pressed for a credit resolutions department, XXXX/XXXX provided me a XXXX XXXX for their Credit Risk department. I mailed a letter requesting they remove the hard inquiry as they had an inaccurate disclaimer on their website. I also stated I would be filing a CFPB complaint as this disclaimer during the application process is completely misleading. 

Unfortunately, I did not think I needed a screenshot before hitting " submit '' on my application. I submitted my application in good faith, trusting that the statements on the application were true and accurate. I don't think it's fair that XXXX/XXXX misleads its consumers, negatively impacting my credit rating in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: TFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
in XX/XX/XXXX my mortgage holder third federal savings and loan XXXX fl. misread a letter from my home insurance provider XXXX XXXX and thought my insurance had been cancelled. after going back and forth between bank and my insurance agent XXXX XXXX XXXX fl.i presumed it had been handled as we sent duplicates of all paperwork and checked addresses were correct.i went north on vacation the end of XX/XX/XXXX received no further communication from third federal savings and loan until i noticed in XX/XX/XXXX that they took an extra {$400.00} out for my mortgage payment i returned to bank and after numerous visits found out they had drained my escrow account first before they started taking it out of my checking acct. since i am not a expert on escrow accts the amount they took out is confusing to the best of my knowledge it is between {$2000.00} and {$2800.00}. i have gotten a letter from the insurance department of third federal savings and loan on XX/XX/XXXX admitting their mistake and telling me i will receive full reimbursement to date after numerous trips and talks to bank officials it seems i am being stonewalled they owe me thousands of dollars and are not keeping their promise to repay me please help thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report. FURTHERMORE, THERE IS NOT AN ACCOUNT NUMBER REFERENCED ON THIS ENTRY ON MY CREDIT PROFILE AND IS IN NO WAY VERIFIED TO BELONG TO 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 2022-12-13
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:
I submitted a letter to the XXXX Credit Bureaus to update or discard this suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was told one month ago that my debit card was to be deactivated following exposure to a breach at a retailer. 

I was told they were sending a new card. It never arrived. I called in to the bank on three further occasions and was told on all of those occasions a new card would be issued. So far I have not received one. 

Further, when I called the bank the last time, I was told that there was nothing wrong with my card and it would not be shut off. 

2 days later, my card was shut off and since they do not have physical branches in my vicinity, I have been completely shut off from my accounts. 

I do not have a way to pay for food, travel or anything else until this is resolved. 

They have since offered to send me a new card in 3 business days, however I have prepaid for a vacation with my family in XXXX 1 day from now, and to attend a friends wedding, and stand to lose a significant amount of money as a result of the bank 's error. 

I have asked repeatedly over the last few days to be connected with a manager and have been directed in circles between different people and departments and have not been able to speak to one. 

I missed a full day of work trying to resolve this

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