BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification in the mail from a company claiming they are collecting an unpaid bill of {$57.00}. I did not contact them directly b/c it seems so suspicious. This seems suspicious to me for several reasons.  ( 1 ) They seem to have my correct name and address, and yet no one has tried to contact me regarding paying this amount in the past. It " all of a sudden '' showed up as " delinquent. '' ( 2 ) I do  not recognize the name of the vendor with whom I supposedly did business and owe money  (   XXXX   XXXX   XXXX ? ) nor were there any dates or services provided . ( 3 )  There are three different names and addresses provided on the statement : "  Central Credit Services  '' out of   XXXX   XXXX  , Missouri and "  XXXX  '' out of Florida and a   XXXX   XXXX   XXXX   XXXX   XXXX   in  XXXX , PA  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 2019-12-11
Company: Aurora Financial, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a mortgage refinance application on XX/XX/2019. I signed a lock agreement that with a fee of $XXXX for cancellation "Once loan is approved with Conditions and client(s) wish to withdraw". On XX/XX/2019 I asked for withdrawal of my application as I found a better product. I was then notified that the loan was approved on XX/XX/2019 and that I needed to pay a XXXX$ cancellation fee. I am told that the status could be tracked on the loan application portal. However, I have not received any notification of the approval nor have I accepted the "loan approval with conditions". I believe the charges are unfair and I should not be responsible for the failure of the lender to notify me.I look forward to hearing from you. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: SC
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1, 2 accounts under the same company XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Sunday XX/XX/10 I tried to watch a movie on XXXX XXXX XXXX. A page loaded on my TV with a code to enter and a Q code on the other half of the page it said For Support Call XXXX. I called this number. It was answered by a man sayin XXXX XXXX XXXX. He then told me my account was in review because of suspicious activity in TX and OH. He then had me open the app XXXX XXXX which allowed him to see into my XXXX. I was on my XXXX the entire time of the call. He had me install : XXXX, XXXX, XXXX. I already had XXXX. He instructed me to send money to various fictitious people. When I questioned him he said the money would be right back into my account. Most of the time these transactions were denied. Some did go through. XXXX has re=credited me the {$400.00} that was taken out. My credit card also re-credited the money. 

I called my bank USAA as soon as I realized it was a scam. USAA closed my checking account and my two savings accounts. They are frozen and I have no money. USAA said they would not mail me a check for the amount in my accounts when the fraud investigation was complete. They said that could take up to XXXX days. I told USAA that I understood keeping the money in the checking account, but did not understand why they couldn't send me the money in my XXXX savings accounts which is about {$15000.00}. 

USAA has refused to do this. I called the office of the CEO and my case number is XXXX. I do not feel that USAA has the right to hold the money in the savings accounts. I have looked at the agreement that I signed when opening the account and there is nothing in there that says anything about holding my money for up to XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was having such a hard time w a loan modification w the servicer that I had to hire an attorney. At the end of XX/XX/2019 I was waiting for the signed permanent modification, it took so long to get back the signed mod & there was a pending sale date-so I withheld payment to be sure my loan was modified. I made the payment late in XX/XX/2019. I also applied for a modification ( it took the lender almost a year to correct errors and send a perm modification ) & finances had changed due to wildfires in CA. I never heard back. I was given the run around about the RMA. In XXXX and XXXX, following medical orders, my XXXX  & I were XXXX XXXX and very XXXX. I could hardly function. I sent in a request for COVID assistance of some kind. Still no reply. I was placed in foreclosure during the Pandemic, while the state was declared a Disaster & sheltering in place- I was placed in foreclosure. I did received modification application, which I sent back in XXXX. Perhaps bc of COVID they were understaffed, but in that time, my loan was put in foreclosure, I incurred late fees & foreclosure fees during a Statewide Stay at Home Order. Yesterday I submitted a request online for COVID assistance & sent in a RMA. I attached the docs here, aside from tax returns bc of size.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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:
I have been trying to disptue my Credit file and have the disputed accounts that are reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported as verified. I am requesting that the Credit Bureaus re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Under the Fair Credit reporting Act, I have the rights to request to the Credit Bureaus to invesigtigate the erroneous accounts on my Credit File, and have the disputed accounts corrected, updated and or removed! However, the Credit Bureaus have failed to send me copies of proof of verification from their investigation. This action of the Credit Bureaus is a clear violation of a consumer rights under the FCRA. Once again, I need the Credit Bureaus to investigate and correct the following disputed accounts on my 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
Ive been trying to get my Chase bank account since XX/XX/XXXX of XXXX. Ive been homeless in a XXXX XXXX XXXX and I was doing a what a thought a business deal. Where some guy would help me with stocks and investments. But needed access to my bank account but during the time I thought he needed for his supposed company. However on the XXXX of XXXX he deposit XXXX in the bank for the supposedly investment money. However the bank restricted my account for a supposedly fraudulent check but the check came from XXXX XXXX bank on the check and was verified. But the bank did a investigation and stated we can no longer do business with you use a different bank with no reason why that is which was weird? For something I wasnt responsible for in my possession I didnt have access to the check and ever since then I had to switch bank to XXXX  what I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: NY
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-08-03
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
To whom it may concern I XXXX XXXX submitted some accurate documentation to the Credit Bureaus are continuing to report inaccurate information to my credit profile.I have two account that are being reported as late and I've never been late on any of my account. I will up load documents to support the above statements. These account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I did my dispute with the credit bureaus for one late that was reporting on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the bureaus went into my credit profile and reported additional inaccurate fraudulent activities on my credit profile.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am one of the auto loan consumers effected by recent Wells Fargo settlement. I put purchased my vehicle late 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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$36000.00}

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I been overdraft for years and I feel like I didnt deserve to be overdraft XXXX of dolors

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2019-12-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have multiple charges from XXXX XXXX XXXX and XXXX XXXX for game charges on my cell phone that total {$180.00} from XX/XX/2019 through XX/XX/2019 that are fraudulent charges and a {$26.00} charge for XXXX that was a fake website that I reported to the FTC and the police department because I ordered two items from that website and never got it and learned it was a fake website. 
I notified American Express Serve of the charges beginning in XX/XX/2019 and multiple times thereafter. When I first contacted Serve about the XXXX charges she immediately wanted to cancel my card and i refused because my government social security payment was due to be deposited via direct deposit in two days and I have financial obligations. I was told that if I didn't agree then the charges would stay and I had no choice. I again reported additional charges in XXXX and XXXX in XXXX and made a complaint and Serve failed to initiate an investigation. I called again in XXXX and was told that they would not reimburse me or do anything about any of the charges further back than 60 days and of course the bulk of the charges were the first two times I contacted Serve about it. On XX/XX/2019 Serve cancelled my card and took the complaint and I heard nothing for a month so I called them back and asked what the problem was. I was told that I did not sign the fraud form declaration and that is because i never received it so they had closed out my complaint. I was upset and they said they would start a new one and I said no. They emailed me another link to the fraud form and I filled it out and could not upload it to their site. I contacted them again, now keep in mind every time I call these people it takes an hour to get through it. It's ridiculous and none of them are American and hard to understand and you have to repeat yourself and your information to everyone you talk to repeatedly its annoying as XXXX and very irritating and time consuming. I wasn't able to upload the documents so I called them back and they put me through the whole nine yards just to speak with the fraud department to tell them I couldn't upload the documents and needed an email address. Every one of them told me they don't have email. Really? Then how the XXXX did they email me the fraud form link in the first place about 25 times? They gave me a fax number and I don't have a fax machine so I had to go find one and I faxed it not once but three different times because they kept saying they didn't get it. 
Then I got sick with XXXX and went to the hospital for three days. As soon as I changed my card and got a new one all the fraud charges stopped. Serve acknowledges that and yet they denied my claim for the charges that are fraudulent which is absolutely ridiculous and they still are saying because they didn't get the fraud form. No email give me a break.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: TD BANK US HOLDING COMPANY
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I locked my TD XXXX credit card in XXXX or XXXX because it was impossible to cancel the card without a phone call to their sales reps. Recently I began receiving letters from TD Card Services indicating that I have a charge and am accruing interest and late fees. I called XXXX to clear this up and dispute any charges. During that call I was told that there was a charge from XXXX. I don't know where this transaction came from and I did not authorize it. However, the XXXX number is only a payment number. They can't handle disputes. The number the rep gave me is the same XXXX number and I can't get a hold of anyone to remove this charge. The other number on their website ( XXXX ) doesn't even work. There is no way to dispute charges online. I believe TD Card Services makes the cancelling of cards and dispute resolution deliberately difficult just so they can continue to charge exorbitant fees. I'm asking for the CFPB 's help in removing any charges and fees from this card and cancelling it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29
Company: Santander Consumer USA Holdings Inc.
State: IN
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 identity was compromised while I was oversees serving in the XXXX XXXX between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX 1. XXXX XXXX XXXXl 2. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Greetings I have initiated a dispute with EQUIFAX to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove.

Below are the reporting Inquiries that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter.

Regards, XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation