BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo needs to remove the PMI from my loan immediately. I have tried since XXXX to get them to remove this wasteful expense from my loan but they have been completely unresponsive. 

My home is in a strong real estate market that has only moved upward since the pandemic. I have a near perfect credit score, have never missed a payment on any type of account for the entire during of my credit history, have remitted payment on the XXXX of each month via auto pay to Wells Fargo since the origination of my home loan. I continue to pay my revolving debt in full each month and have continued performing on all accounts in the same way during the pandemic as before it. In short, I represent less than the least risk of default to the lender and guarantor. 

Yet, despite multiple requests, Wells Fargo continues to drag its feet on conducting a BPO and providing me with its valuation of my property so that the PMI can be immediately removed. 

I have filed two complaints with the bank and provided documentation including XXXX delivery confirmation of the PMI order forms, but unfortunately, while those representatives were very polite, neither was empowered to work with the PMI removal department to take action on my account or expedite the BPO ordering despite months of Wells Fargo 's delay.

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 2022-12-06
Company: EQUIFAX, INC.
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2020-07-14
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, a Venmo account with the same profile photo and username as my sibling requested {$60.00} from me that stated, " Can I borrow this really quick pleasee, I promise to give it right back tomorrow, Thanks!! '' My brother lost his job due to Covid-19 and I have been financially assisting him recently. Right after I sent the money, the account changed their username and profile photo and disabled the ability to communicate with the account or to reply to the transaction. 

I then tried to talk to an individual at Venmo and was placed in an 80 person long queue, I also called twice and spent hours on the line waiting to talk to someone. When I finally had someone respond to me, they told me that it looked like someone didn't hold up to their side of the " transaction '' and then told me to file a police report. They then told me to contact the scammer who requested the money. By instructing me to do this they admitted that the scammers account was still active. The company does not care that their is a giant hole in their system and zero safeguards from fraudulent venmo requests. 

More than likely, the person who stole {$60.00} from me has done this to hundreds of people. Venmo does not care and is complicit in this illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On my XX/XX/2020 statement, American Express charged me {$150.00} annual fee on a card that I never use. In XXXX, I requested they close the account and refund the fee. They refused to refund the fee. Again, I do not ever use the card. Instead of easily closing and removing the fee, they forced me into a lower fee card. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Thank you very much for all the help you provide. I filed a complaint a few years ago against a collection agency who was reporting an account on my credit report. it was an account created through identity theft. At the time I had sent a notarized Identity Theft Affidavit and a police report to the collector as well as to the credit bureaus and nobody was fixing the account. After I filed a complaint to you I was able to have the account deleted. 

Today I am facing the same problem. A collection agency named Enhanced Recovery Collections is collecting for an XXXX account which is at {$1700.00}. I sent a notarized ID theft affidavit as well as a police report and a dispute letter to them as well as the three credit bureaus back on XX/XX/XXXX. No company has sent me a response and it has been three months. This is really hurting my credit score and preventing me from obtaining financing. 

I called Enhanced Recovery Collections today along with a consumer advocate and we spoke with an individual named XXXX XXXX # XXXX. The advocate informed him of everything that was going on and XXXX XXXX said they hadn't received any notices. He asked if there was a reference # on the letters. The advocate informed him there wasn't because the credit report didn't have one. XXXX gave us a reference # and said he would send us a fraud packet. My advocate asked him to send it but he also asked why we would need another fraud packet when we are providing one that's notarized along with a police report. XXXX XXXX said it needed to be specifically for XXXX. 

I understand why ERC may be asking for an XXXX specific fraud packet, but I don't understand why they haven't responded to my letter or to my credit bureau disputes I also sent. My advocate asked him the same questions in the phone call today and XXXX XXXX said they hadn't received any disputes from the bureaus either. All of this is bringing back memories from two years ago when I went through the same problems trying to remove fraud accounts from my report. Everyone was claiming they hadn't received my notices or were ignoring me. My consumer advocate let XXXX XXXX know I was going to simply file complaints because I couldn't restart the process after three months. XXXX XXXX told him he could send us to the escalations department but that wouldn't make anything faster. The advocate then told him I would file the complaint to you. XXXX then acted like he didn't care anymore and that's when the call ended. 

This complaint is so you can help me again. I am very upset that I have to go through the same problem again and I am very upset that no one is doing their job again. How long do I have to suffer for this? It is not my fault I am the victim of fraud and to continue to have to put my life on hold and have my good name ruined due to fraud is very upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: TX
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:
OnXX/XX/2021I sent a letter regarding inaccurate and unknown things on my report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and my disputes are being blatantly ignored. Section 611 ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 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 non-monetary relief
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good morning, On XX/XX/2021, I visited a Chase Bank branch in XXXX XXXX to initiate a wire transfer of XXXX USD to my USD Brother 's account in XXXX. As per Chase 's policy, I was supposed to be charged {$50.00} for the wire transfer. Therefore, the transfer is actually from USD account in the USA to another USD account in XXXX. 

The funds were supposed to be available on XX/XX/2021 in my brother 's account in XXXX. Nevertheless, it was delayed for unexplained reasons. 

Around XX/XX/2021, I received an email and a call from the banker in XXXX XXXX asking me for additional information. I provided everything as required. 

On XX/XX/2021, I received an email informing me that the wire transfer has been executed. 

On XX/XX/2021, it was confirmed by my brother in XXXX that he received the money, HOWEVER, NOT THE FULL AMOUNT. 

He only received {$9500.00}. Obviously the XXXX bank also deducted {$17.00} of incoming wire fees ( which is totally okay ), but why did my brother receive a way less amount than what he should receive? 

He was supposed to received {$10000.00}. He only received {$9500.00}. There is a shortage of {$450.00}. 

It does seem that Chase did a conversion to XXXX Dollars before sending out the money and then the XXXX bank did another conversion to American Dollars in order to deposit it into my brother 's account. However, I NEVER ASKED THE BANKER OR THE WIRE DEPARTMENT AT CHASE TO DO THE TRANSFER IN THIS WAY. 

I asked Chase to transfer {$10000.00} ( Which is a USD account ) into my brother 's USD account in XXXX. He should receive {$10000.00}, and not {$9500.00}. 

I require a full investigation in this wire transfer. I've already contacted the banker responsible for that, but it does seem that Chase doesn't want to resolve that issue. Therefore, I am reaching out to the feds to help me resolve this issue and protect my rights and my money as a consumer and a law abiding citizen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29
Company: Debt Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt Recovery Solutions is attempting to collect on a alleged debt for their client : XXXX XXXX XXXX in the amount of : {$1000.00}. I have no knowledge of this account. 

Derogatory and invalid information was placed on my credit report without due process to include : notification of this debt in writing, and allowing my right to dispute this matter pursuant to the FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted multiple requests to have inaccurate data removed from my credit report. I feel as if the credit bureaus is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and nothing is being done by XXXX Transunion or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus along with a picture ID from me so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that cfpb steps in and ensure that the credit bureaus does what's is right under the law.

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 2019-03-27
Company: Commonwealth Financial Systems, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An unknown debt appeared on my credit. I have been overseas for over 8 years. I have no knowledge of the debt nor do I know what its for. I was never afforded the opportunity to have the debt validated and or dispute- it was just placed in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also, XXXX  is reporting this account in duplicate. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates, as well as a duplicate account, is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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

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 2022-10-01
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$18000.00} This account is PAID off and should be removed from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$2300.00} This account is PAID off and should be removed from credit report. A payment arrangement was worked out and was paid off. 

XXXX XXXX XX/XX/XXXX XXXX Amount : {$1000.00} This account is PAID off and should be removed from credit report. This account was paid off in payments. 

XXXX XX/XX/XXXX XXXX AMOUNT : {$470.00} I did not charge on this card and reported it lost or stolen. It should be removed from credit report. 

XXXX XXXX XXXX {$800.00} THIS ACCOUNT HAS XXXX BALANCE AND IS PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMOUNT : {$700.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS PAID OFF IN XXXX. 

XXXX XXXX XXXX Amount : {$1900.00} This account Has been PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX Amount : {$1400.00} This account has been sold to a credit consumer agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been sold to a credit reporting agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN PAID OFF AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I PAID IT OFF THROUGH XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAS SOLD TO A CREDIT REPORTING AGENCY AND IT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT AS THIS IS ILLEGAL AND A VIOLATION OF MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS ABOVE HAS BEEN VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.

15 USC 1681 SECTION 602 A 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 WRITTEN CONSENT.

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 2023-03-21
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: Their investigation did not fix an error on your report

Complaint:
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account with Union Bank until 2018. I was supposed to receive a 1099 INT from the bank for the account opening bonus I earned. However, the bank never sent me one. When I called the customer service phone number and spoke for almost an hour, the bank wanted me to come to a branch to collect the form whenever they got around to mailing it. No one has committed to mailing any form or acknowledging that the form would be created. In the meanwhile I am expected to keep polling the branch if they got any mailed form for me. Why does the bank not follow regulations and mail the 1099 INT form to my home address as required by law?

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 2023-03-21
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX ( XXXXXX/XX/XXXX ) mistakenly placed a 30 day late payment on my account. XXXX XXXX fixed the mistake two weeks later XX/XX/XXXX. My credit report was negatively affected by XXXX points. The issue has been disputed with Experian three times and nothing has changed. XXXX XXXX XXXX has done everything they can do on their end.

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 2020-03-22
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX is not repoting my Mastercard with a XXXX limit to Equifax or XXXX.

Company response to consumer: Closed with explanation