BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX 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 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 2022-11-10
Company: EQUIFAX, INC.
State: CA
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:
There are 9 student loan collections reporting to Equifax in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan. 

There are also 2 student loan collections reporting to XXXX in error. 

XXXX XXXX has deleted all of the student loan collections. 
Equifax hasnt deleted any of them. 
XXXX has deleted all but two of them. 

They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I've placed credit freezes with all three credit bureaus, XXXX, XXXX, and Experian. XXXX  and XXXX make the process of lifting or unlocking a credit freeze online simple and straightforward using your pin and/or log in. Not once have I had to call either bureau. Experian, however always makes this process exceedingly difficult and never straightforward. When you enter their website looking to unlock a credit freeze you invariably run into their paid " credit unlock '' services which about the same thing as the free credit-freeze. Figuring out how to unlock your freeze on the Experien site is harder than just XXXX   how to do it. After trying numerous times my pin number is never accepted and all the online steps to unlock don't work. They eventually make you call their 800 number to retrieve your pin, but the robot refuses to accept or even allow enough time to enter my ss number. Then they tell you you submit the information in writing which in this day and age is ridiculous. Why is Experian still making this process exceeding difficult to navigate unlocking a credit freeze. I'm sure I'm not alone here.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 new & updated information on TRANSUNION. I have knowledge & proof that TRANSUNION Is breaking the law by violating 15 USC 1681c-2. Once a consumer notifies a Consumer reporting agency of identity theft, they must block the information resulting from the fraud 4 days upon receipt. Transunion received my identity theft report on XX/XX/2022. Its well over 4 days and TRANSUNION failed to block this information. I spoke to a TRANSUNION rep named XXXX on XXXX at XXXX PM & have documentation of him stating that TRANSUNION put my identity theft report on file as a 30 day dispute instead of identity theft & blocking the information from the result. XXXX, a TRANSUNION rep stated that TRANSUNION cant block the information they can only dispute it with the furnisher. I insisted on walking XXXX through the law to show him why its unlawful. XXXX, a rep from TRANSUNION chose not to comply with the FCRA. Neither TRANSUNION, or the person furnishing the fraudulent reports on my behalf have permissible purpose to furnish a report on me. TRANSUNION is willfully non compliant to federal law. TRANSUNION is failing their grave responsibilities of reporting with fairness, accurateness, impartiality, and a right to consumer privacy. This is hurting my ability to obtain credit. Im being suppressed & violated. In closing, i would like to also state that XXXX is also violating in the same manner as TRANSUNION. I couldnt call XXXX to inform them of the violation because XXXX doesnt allow consumers to call them directly for disputes. I dont consent to E-Oscar or any generic responses.

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 2023-06-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I contacted American Express to close out a small low interest earning CD that has not reached maturity date. I was instructed to submit a form via fax or mail to close out the account. I faxed in my request on XX/XX/2023 indicating I wanted to close out the CD and have all funds transferred to my American Express High Interest savings account. 
I have called at least 3 times and faxed in my form numerous times. As of today, XX/XX/2023, the funds have not been transferred. When I called yesterday, I was told it could take up to XXXX more days. This is unacceptable for an internal transfer between accounts at the same institution. I don't know of any bank that would allow me to use their money for any length of time without charging me daily interest. I am losing money each day that I am not allowed access to my funds. 
I would appreciate any assistance in getting my funds transfered. My phone number is XXXX. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My existing Mortgage loan product with Chase Bank, has been modified without my consent. For the last few years my loan with that bank has been reflecting a no Property Tax exclusion because I am rated as XXXX XXXX  XXXX by the VA, which the State of Maryland adheres to. The 100 % VA paperwork was processed through the local County Government and the Bank, where they then removed the Property Taxes from my mortgage monthly and yearly payments. 

Today, XX/XX/2020 is when I entered my bank account online to find that for some reason, which I believe to be fraud, everything has been reset back to reflect Property taxes. I believe this is an attempt to recollect my information concerning my VA 100 % XXXX findings, and further target me and my finances. I am retired military, and I have experienced Identity Theft just a few short years ago as we were at that time still required to use SSN 's. While that has changed since then with government DOD offices issuing new numbers, the VA has not changed the use of SSN 's and of course fraud still does continue there. The government has since also issued me the Credit Monitoring programs that it issues to Identity Theft Victims. 

I believe this latest loan modification is tied to a scam to collect my 100 % XXXX paperwork info again and defraud and target me. Further, the Chase Bank on their telephonic digital warnings have now gone to the collection of Voice and state they can use it. That has fraud written all over it! The collection of my voice is not something I consent to, and I will be changing banks as it currently stands do to this latest of scams. Upon a response to this Banking Complaint, I can provide all the dates, dollar numbers, and paperwork necessary investigate this problem. 

Thank you. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2020-03-06
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020 I applied for a refi with XXXX XXXX NMLS XXXX with Amerisave. While working with him I was told to put a deposit down for an application fee that would cover the appraisal. I briefly reviewed a 37 page document that was somewhat overwhelming. Since going through appraisal process I have decided to go with another lender that is requesting a transfer of the appraisal that I paid for. Amerisave deceptively places a document in their paperwork stating that the {$500.00} fee is non refundable when I understood it to be the appraisal fee. Now this is placing a financial hardship on my family to cover the cost of another appraisal of {$500.00}. All I am asking is that Amerisave release the appraisal that I paid for to my new lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/2021 I sent the servicer of my loan a letter requesting the identity of the owner ( s ) of the debt or creditor ( s ) pursuant to 15 USC 1641 ( f ) 2 a request for loss mitigation under 12 CFR 1024.41 and lastly a request for information about the servicing of my loan and specifically the XXXX test and the detailed explanation of the XXXX methodology and model including all formulas and variables for any loss mitigation application. To date I have not received any acknowledgement from the servicer that the letters were received as required by 12 C.F.R. 1024.36 ( c ), and or a the information requested within 30 days are required by 12 CFR 1024.36 ( d ) ( ii ) ( 2 ) ( B ).

The servicer has received my letter request for information and my application for loss mitigation on XX/XX/2021 and XX/XX/2021 according to my certified mail tracking receipts. ( See Attached )

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 2023-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a business checking account with Wells Fargo and have had that account for about 7 years. The address for the account listed my Post Office Box. In the last few months I received a letter from Wells Fargo telling me that I need to change the address on the account because Post Office Box numbers are not allowed. I immediately went on line and followed the instructions in the letter to change the address. As far as I knew at the time the address was changed. Then I received another letter from Wells Fargo telling me I need to change the address on the account, which I thought I already did. So I called Wells Fargo and the representative I talked to said she checked the address and it was changed and everything was fine- the letter and change must have crossed. 

Then on XX/XX/2023, I tried to wire money from my business account to pay for an annuity payment for one of my clients. I received a notice that my wire could not be sent. I called Wells Fargo and they told me account was on hold because the address listed was not correct. I explained to them that I had changed the address and it was confirmed by a Wells Fargo employee. I asked for the hold to be removed and was told it could take 4-10 days. So in the meantime, I am unable to pay my employees and receive payments from my clients for the work I have preformed. Further calls with Wells Fargo has resulted in no action being taken on their part to remove the hold as of XX/XX/2023. This whole incident has caused me great stress that has affected my health- especially my XXXXXXXX XXXX XXXX XXXX XXXX. It has prevent me from paying my employees and from receiving payment from clients. Clients sending me payment are seeing the payment rejected and are incurring fees for the rejection. This is destroying my reputation that I have built practicing law for 24 years. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
My credit card along with the associated PIN number was stolen and purchases were made for over {$800.00}. I have to write down certain information as I have a XXXX and take medication that makes me forgetful and I feel Im being unfairly punished by capital one and forced to wait for them correct a problem that I reported to them right away once I realized what had happened because of it. I spoke to a representative who told me she would change my PIN number which Im extremely worried about because now I dont know what it is but I dont think she did and they also wont replace my money thats now gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX 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 explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: TX
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:
More information regarding CFPB complaint ; XXXX Refer to the documents attached Ive submitted my FTC complaint XXXX complaint number ; 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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing this account and requesting validation per the FDCPA since the beginning of the year because the account does is not reporting up to their industry reporting standards. please see my attached documentation. This is my tacking from USPS mail from XXXX XXXX Please help me as this information is reporting incompletely and inaccurately. This company has also failed to validate this account per FDCPA 809. Please help me!!! I HAVE REACHED OUT TO THE 3 MAJOR CONSUMER REPORTING AGENCIES AS THEY CONTINUE TO ILLEGALLY REPORT THE ACCOUNT INFORMATION 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 2020-03-06
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$0.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNTS -- 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: E Mortgage Capital, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was locked into a 3.875 % rate for my loan on a second home I am purchasing, with a close of escrow at XX/XX/2022. The lender updated me that my loan did not meet QM compliance and that because of XXXX XXXX Guidance, they have to change my rate to 4.625 %, and that I would have to pay points towards that rate. I am attaching a copy of the loan information and disclosure that I am seeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
At about XXXX : XXXX  today ( XX/XX/2019 ), I pull a credit report showing some accounts that I have no knowledge about.An account at Discover bank with account number XXXX ...., were opened by someone with my information fraudulently. 
My friends as well as legal consultants advised me to file a CFPB complaint. So I request your investigation to the mentioned credit card. Thank for your support

Company response to consumer: Closed with explanation