BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have paid extra on my mortgage and the extra was to go to my principle and instead they put the money into escrow and suspend payment. They are now saying I owe over 7,000 on my mortgage. I have attached a copy of my last mortgage letter. Now they are saying I am delinquent. It was a construction loan and they did not accept my payments

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I am a victim of Identity Thief. According to 15 usc 1681b ( 2 ), permissible purposes of consumer reports. It states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) in accordance with written instructions of the consumer to whom it relates. I have never authorize Transunion, XXXX or XXXX to furnish my credit report. I never provided hand written instructions to place accounts on my credit report. It has harm my livelihood and I am living an honorable life. This is all erroneous, fraud, and incorrect. According to the fair credit reporting act ( fcra ), XXXX is to honor my request and block from furnishing my credit report, 1. XXXX XXXX ( opened XX/XX/XXXX ), 2. remove late fees on comenitycb/zales ( opened XX/XX/XXXX ), 3. XXXX XXXX XXXX ( account opened ( XX/XX/XXXX ), 4. XXXX XXXX XXXX ( opened XX/XX/XXXX ). I never authorized and or gave XXXX or any of these companies any hand written instructions to furnish my credit report. 
XXXX is to honor my request and block from furnishing my credit report, 1. remove my late fees on the account comenitycapital/zales. I have made complete payment with them but I have never provided hand written instructions to the company nor to XXXX to furnish my credit report. PLEASE REMOVE THAT! 
Transunion is providing fraud, erroneous and incorrect information. I did not provide them hand written instructions and according to 15usc 1681b ( 2 ), I did not contact XXXX, Transunion or XXXX and provide handwritten instructions to furnish my credit report. PLEASE REMOVE THESE ACCOUNTS 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 2023-04-16
Company: Experian Information Solutions Inc.
State: AZ
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2022-01-25
Company: Revco Management, LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On approximately XXXX XXXX, XXXX, I received a letter from " General Service Bureau IncXXXX '', XXXX XXXX XXXX, XXXX, XXXX, stating that they are trying to collect a debt I owe to XXXX XXXX. The last time I interacted with the medical system was to get a PCR Covid-19 test either XXXX XXXX or XXXX, XXXX, at a XX/XX/XXXX XXXX XXXX XXXX The letter claims I owe {$30.00} from XXXX XXXX, XXXX, but I have no record of XXXX contacting me regarding payment. ( I would have expected a bill in the mail, although sometimes it's difficult to know whether it's what you actually owe or if you should wait for them to sort it out with insurance. ) Today ( XXXX XXXX, XXXX ) I logged into XX/XX/XXXX - XXXX XXXX 's online patient portal - and went to the Pay My Bill section. When I attempted to view and pay any outstanding bills, I received the message " You have no accounts with open balances at this time. '' That indicates to me that I do not owe them any money. 

The letter references a XXXX account number, but when I enter this in XXXX 's " XXXX XXXX '' portal, it says that the information is invalid/account not found. I have not been able to locate an account number for myself at all in XXXX. 

I searched the email I have on file with XXXX and there is nothing regarding billing or payment. I will reach out to UnityPoint about this, but I can't imagine why the person on the phone wouldn't find the same thing I did- I have no outstanding balance. 

It's possible that since I have a generic name, " General Service Bureau '' has the wrong person, but I do not want to interact with this strange company that is possibly a scam. The letter really seems to want me to respond by XXXX, XXXX, XXXX, but I don't want them to know they've reached an actual person because it says " We will use any information you give us to help collect the debt '', which indicates that any response will result in further contact. 

I'm happy to pay my bill to my healthcare provider, but there's no way I'm mailing a check (! ) to a 3rd party company I've never heard of. This situation also makes me concerned about the security of my information with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX, GA XXXX. I never paid the following accounts late, XXXX XXXX XXXX : TransUnion is reporting a payment status of current but reporting 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, XXXX is reporting unknow payment status and and no payment history, XXXX is reporting a payment status of current but reporting 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$420.00}, XXXX is not reporting this account, XXXX XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$26000.00}, XXXX is not reporting this account, XXXX/XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$560.00}, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$0.00} and XXXX  is not reporting this account, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$560.00}, XXXX and XXXX are not reporting this account, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$350.00}, XXXX is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2023-06-30
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:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2022 - The collection agency manager XXXX was threatening not to accept my payments and was XXXX me. She demanded my XXXX info before answering any questions.

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 2019-03-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Why does BMO Harris bank only use the gross amount when determining if you're eligible for a specific loss mitigation plan during a hardship? They seem to also ONLY look at direct housing cost and what appears on your credit report. There are expenses that will not appear on a credit report, I.e. paying for someone to take care of your spouse who had a XXXX, grocery bills for a family of 6, child care payments, life insurance payments, car insurance payments, etc. It is unfair and unreasonable that BMO Harris has a process as such.

This process should be changed.

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 2022-01-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

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 2022-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A Bank of America regulator called me about my complaint before I left our Florida home in XXXX. Although we spoke at length the bank does not see Nexus, which is higher clearance than even a passport between XXXX and the United States, as a piece of ID available for bank identification. I asked the regulator, how do you think I got into the USA? I said not with my passport but with my Nexus! The regulator said that they would research the trusted traveller site to understand the Nexus, and other ID used by the United States and XXXX. https : //ttp.dhs.gov/ Has this resolved my issue? Not at all! A feeble suggestion to look at the Nexus as a valid piece of ID will do nothing for me banking next time I am at Bank of America. I do not travel with two very valuable pieces of ID as it is redundant. I also had my purse stolen previously and therefore have a concern for the safety of these items. The Nexus ID allows for much more opportunities when crossing the border and at airports without long delays. It is the ultimate ID and already has my passport attached to it and required me to go through much more clearance and interviewing to attain it than the passport. 
This is an ongoing unresolved discriminatory issue between Bank of America and me, and actually the trusted traveller Nexus ID program, which is but one of high security ID available, if they were to review the site. ( TSA pre-check, Global EntryXXXX Nexus, Sentri and Fast ) I suspect they just dont wish to add one more thing into their system for their tellers as valid ID! At the moment there is not this delineation available. There is, however, another discriminatory piece that tellers must not accept valid XXXX drivers licenses with our photos either! 
Thank you for your assistance with this matter. Somehow I am not surprised Bank of America neglected to respond to XXXX as I saw their customer service complaints through XXXX and it is not good! I may just switch banks but I also worry other banks are also not up to speed with what are truly secure ID in the 21st century.

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 2023-07-13
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-04-17
Company: EQUIFAX, INC.
State: SC
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:
Dispute submitted to Equifax in XXXX of XXXX  and yet dispute shows under investigation and unable to resubmit dispute on bureau website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: NY
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 sent multiple letters to Experian regarding fraudulent accounts reporting on my credit report and By law these accounts must be removed. I created FTC identity theft reports as well. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, CRA 's must ; ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I give the CFPB permission to access 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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2. It is also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1681c ( a ) ( 5 ) section. States no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items information, other than records of convictions of crimes which antedates the. report bu more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information ice inaccurate.

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 2022-01-25
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a flight to XXXX from XXXX in XXXX but due to covid had to cancel early XXXX. I am pregnant, my doctor advised me that travel was very unsafe for me. We also had record breaking covid cases and hospitalizations. As a result, I asked the airline to cancel on XX/XX/XXXX via email. XXXX refused to cancel/give a refund, so I instead contacted my credit card company American Express on XXXX and filed a dispute. American Express has refused my refund as of XX/XX/XXXX. I resubmitted the dispute and was still denied. I did not receive the service, I could not receive the service due to the orders of my doctor and they are not refunding me for my flight. I have also reported XXXX to the Department of Travel but I am looking to report American Express for not refunding my ticket on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was trying to send money from my XXXX USD wallet to my bank account but TD bank did n't allow me to access my account and when I called the first time the customer service representative did n't really know what was the issue and recommend opening an account with another bank. The second time I called another representative told me that they did n't know what was going on and that I should consult with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 around XXXX AM MST, I received 5 emails in quick succession stating that a Wells Fargo Everyday Checking account was opened using my info. About 10 minutes after these emails were received, I received another email that my Wells Fargo account email address was updated. 

I previously banked with Wells Fargo in XXXX, but do not currently have any products with them. I have contacted them and opened an internal fraud case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Chase Bank closed all of my personal credit cards and also informed me they will be shutting all of my personal bank accounts on XX/XX/XXXX. I have been a Chase customer for over 25 years and have never been delinquent on any loan and have always maintained all of my accounts in good standing. This decision caught me completely off guard and to make matters worse, when i called Chase and asked them why they are doing this to me, they refused to give me a reason other than " its a bank decision ''. This is no way to treat a customer and it has created a tremendous burden on me and my family. My credit score has also been affected because of my credit cards being shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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