BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a paid membership with the most expensive plan with Experian, and I am supposed to receive my report updates daily. For some reasons, the report does not update and I called Experian at least 5 times, but they have not done anything to get the issues fixed.

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 2018-05-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 I went to the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX to withdraw {$40.00} from the ATM machine. When I perform the transaction no money came out of the ATM machine. When perform the transaction again {$40.00} came out of the ATM machine. A few days later I checked my account at USAA Federal Savings Bank and found out that the transaction was duplicated. I called USAA Federal Savings Bank and told them what had happened and they started an investigation. A few days later I received an email from my bank stating that no error had occurred. Again I only received {$40.00} from the XXXX XXXX XXXX ATM machine.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
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 contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : 1. 
XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$7100.00} 2. XXXX XXXX, Opened Date XX/XX/XXXX, XXXX {$1400.00} 3. XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$170.00} I am attaching all the documents I sent to them earlier for your reference

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hello, my taxes were recently withheld this year for my student loans and they are still showing a high balance. XXXX. XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX date of first deliquency XX/XX/XXXX. Still showing a balance of XXXX which should now be taken care of. Along with XXXX XXXX XXXX XXXX loan balance of XXXX. Opened on XX/XX/XXXX first deliquency of XX/XX/XXXX. Both education loans, both taken out of XX/XX/XXXX's taxes that I filed with my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: OR
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:
After multiple disputes with all 3 of the CRA 'S, XXXX, XXXX & EXPERIAN as well as the data furnisher/creditor XXXX XXXX XXXX XXXX XXXX XXXX, WA ) XXXX 4 of the companies has failed to provide documentation in regards to my request regarding inaccurate reporting of a charge-off in 2017, my request per FCRA 623 laws of how the alleged investigation were done. A manager from XXXX XXXX sent me a letter stating that my dispute was " frivolous '' without providing any documents of how they validated their investigation. Nor was any paperwork with my signature shown to support and validate their claims that this is my account and that they are indeed reporting it accurately. My rights as a consumer allows me to request a written documentation along with evidence and proof of the investigation by XXXX XXXX to support their claims that information is not being reported inaccurately. However no proof and/or evidence was made which allows me to believe that the data furnisher is indeed providing " frivolous '' and " irrelevant '' claims of validation in regards to multiple inaccuracies on all three of my credit reports they have been sharing illegally. This really is a huge concern for me and many other consumers that are being taken advantage of by predatory lending institutions as well as sub prime banks. An investigation in the practices and integrity of this specific financial institution ( XXXX XXXX ) is needed ASAP.

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 2022-08-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquires on my credit report that I did not authorize and that I do not recognize. These inquires are as follows 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 explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I attached a screenshot of 2 disputes from XXXX charge off from 5 years ago that's not mine and a credit card that's not mine .. 
If notice the screenshot shows there investigation is still on going ... 

The last four of my ssn XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : 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 2019-05-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo sent us a letter saying we could refinance for 5.0 %. When we started the process they said it was 5.09 %. The main issue we are having is the appraisal process. The appraisal result came back and it was 10 % less than last year when we did this. The homes they used were not the same as ours. Two of the three home were in our neighborhood but were smaller. One of those homes actually sold for more than they appraised our home. It seems they went out of their way to lowball our home. I checked three sites and all of them said homes prices have gone up in our area 4-7 % -not down 10 %. When I tried to talk to them they tried not to answer my questions. I asked for a refund on my appraisal and credit score ( which they should not have done until after we agreed on the appraisal ) and have had no response.

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 2019-05-22
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
When calling my banks customer service On XX/XX/XXXX at XXXX XXXX ( AZ ) to find out why a dispute ( Filed on XX/XX/XXXX XXXX XXXX 41 Min 53 Sec ) had taken more than 90 days. I was told Visa had  not decided on my dispute yet. When I asked to speak to a manager I was put on hold for 25 minutes then I got XXXX she informed me that while on hold Visa had determined the dispute was not in my favor as she quoted a support message that was sent to me while I was on hold. I do not feel this dispute was correctly or fairly decided. The merchant XXXX is only a third party providing a reservation for hotel accommodations, which the Hotel Property XXXX XXXX XXXX near XXXX, refused service to me saying I was not allowed to stay there since XX/XX/XXXX so all reservations for this property should be refunded. 

A credit was received and force debited from my account on " XX/XX/XXXX Credit for XXXX Deposited into Safe-to-Spend {$200.00} '' " XX/XX/XXXX Force Debit Spent from XXXX {$200.00} Unknown '' you can refer to the Support messages telling me that this was a system error and no credit was due. 

Times I called to inquire about the status of my dispute. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX, XXXX XXXX 41 Min 53 Sec. 
XX/XX/XXXX XXXX XXXX 39 Min 23 Sec. 
XX/XX/XXXX XXXX XXXX 18 Min 43 Sec. 
XX/XX/XXXX XXXX XXXX 19 Min 39 Sec. 
XX/XX/XXXX XXXX XXXX 14 Min 0 Sec. 
XX/XX/XXXX XXXX XXXX 36 Min 36 Sec. 

-- -- -- -- -- -- -- T -- -R -- -- A -- -N -- -S -- -A -- -- C -- -T -- -- I -- -- O -- -N -- -S -- -- -- -D -- -I -- -S -- -P -- -U -- T -- -E -- -D -- XXXX XXXX XXXX near XXXX refused my reservation. I did not cancel or change these reservations willingly. I was told I was on the " DO NOT RENT LIST '' and I could not be checked-in. 

XXXX Spent from XXXX  {$72.00} Hotels XX/XX/XXXX XXXX Spent from XXXX {$150.00} Hotels XX/XX/XXXX XXXX Spent from XXXX {$87.00} Hotels XXXX Spent from XXXX {$68.00} Hotels XX/XX/XXXX XXXX Spent from XXXX {$200.00} Hotels

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: U.S. BANCORP
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I got a call from a company called XXXX XXXX. The gentlemen on the phone stated that is was in arbitration for over {$5100.00} due to fees and that I was unwilling to pay. I told the gentlemen that all I asked for is a proof of debt to see if it was mine or my Ex. He stated that send I responded to no correspondence ( I received none ). The were going to start taking money out of my checking account and put a lein on my home. I kept on asking for proof that is all I wanted. He told me he would call US Bank Dba and I could ask the amount and if it was a joint account. That he would just put the phone on mute. I did n't think anything of this. Until I started to talk to the lady at Us Bank. I forgot the last XXXX digits of my account and the collector whispered it to me. The lady heard him and asked if there was a person on the line with us? I said yes and she said stop talking there can never be another third party on the phone with us and the know that. She said please hold. The collector came on and said he was going to hang up and call me back. He did this. He than got mad at me for telling the bank he was on the line again. Than he told me that this time to not say he was on the line. I to, d him that I did n't feel confortable calling the bank after they said nit to. After disagreeing for five minutes. He finally gave me the number to US Bank. I called the bank and spoke to a lady. I told her what was going on. She told me never to take with them in the phone because they ask for private information. She than stated that my account was closed by error and that it was purged. That it was n't sold to a third party because their was no negotiate balance. I asked her again if that was right? She started yes. I than called the collection company back like I promised. I told him what the lady said and what her name was. He said he had to verify it and that I might of misinterpretation. I told him how could you misinterpret that. He said he had to verify it. He than said he called the bank and I owe and he was going to succeed with legal proceedings. I asked him on what for a debt I do n't owe on? I told him to send me proof of debt and I would be more than happy to go to the bank. That they said I do n't owe anything and I was going to believe the bank over a guy on the phone. He said its too late for that.

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 2018-05-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last reported XX/XX/2017 XXXX XXXX Amount : {$11000.00} Acct # : XXXX I have sent in requests asking Equifax to remove this item from my credit report because this item has not been verified as belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I notice from from my Experian credit file 2 inquiries that I don't recognize, I did contact them in writing but, nothing has been done. Those inquiries are from XXXX and 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 2016-11-29
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX I applied for a mortgage loan through US Bank and was approved. The closing date on my loan was XXXX. They gave a loan commitment letter on around XXXX/XXXX/16 with no conditions for additional work being done to the property. I was in communication with the loan processor, XXXX XXXX, at least once a week to make sure that everything was on track. At no point did he give any indication that any additional work to the house needed to be done prior to closing. The week before closing on XXXX the title company contacted me and stated that US Bank was not responding to them to give them the information required for closing. I tried getting in touch with XXXX XXXX and the loan officer XXXX XXXX multiple times on XXXX, XXXX, and XXXX through phone calls and email with no responses. On XXXX I was able to get a hold of XXXX XXXX 's supervisor, XXXX XXXX, who said XXXX has been out of the office and that he 's ( XXXX ) is " not involved knee deep in every loan ''. After it was clear that XXXX was n't going to be of any help explaining why the closing disclosure was n't available for the title company I was able to get the contact information of his manager, XXXX XXXX. 

XXXX XXXX returned my phone call on XXXX at approximately XXXX. Less than 48 hours away from the scheduled closing. At that time he informed me that they could not close on the loan as scheduled. Furthermore, US Bank wanted several repairs to the house to be made prior to closing. At no point in the loan process had U.S. Bank asked for any repairs to be done to the house and had provided a loan commitment letter that did n't have any repairs as a condition on closing. He was shocked and said that he was speechless when he found out that I was just finding this out. The repairs that they were asking for at the last minute were unreasonable. For example, it was stated that a walkway need to be replaced because there was a slight dip that could be a tripping hazard and that we needed to install globes around closet lights. 

XXXX XXXX did apologize and informed us and the sellers that closing had to be delayed because US Bank failed to deliver on a loan through no fault of our own. The sellers and I lost confidence in US Bank 's ability to deliver the loan and agreed the best way forward was with a different lender. We did close on the house two weeks later using a different lender. The delay in closing cost us {$4800.00} in compensation to the sellers, {$630.00} in additional loan expenses, and mortgage interest rates had gone up an additional .25 %

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 2019-10-01
Company: Experian Information Solutions Inc.
State: IL
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:
Experian Has not investigated the items attached on a timely fashion ... 
I have list of errors attached. 


The credit bureau doesnt take time to check to make sure

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 2019-05-22
Company: Experian Information Solutions Inc.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts ... XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have contacted Chase Bank in regards to the excessive overdraft fees and have received no help whatsoever. It is not fair to me, as a consumer to be assessed so many overdraft fees without having appropriate time allotted to bring my account current. As soon as my account even went negative i was assessed a fee, even though i deposited the funds to bring my account out of a negative standing. I have contacted Chase several times and I the representatives did not remove any of the fees placed on my account. With these excessive fees it has caused my account to go further in the negative. I have been assessed 10 insufficient fund fees within the last week which is {$340.00} that i do not have in order to bring my account current. I can pay the items that were being withdrawn from my account, but not the {$340.00} in total fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Spoke with XXXX and she will not release the hold on my check what so ever and the deposited check has cleared the other bank {$500.00} deposited XX/XX/19 cleared XX/XX/19 And they declined to release the hold, claimed their had been a stop payment placed on it and there has not. It has been with drawn and cleared from XXXX XXXX XXXX XXXX and paid by XXXX XXXX XXXX XXXX. 
They refuse to release hold ... the claim the check again had a stop pay and it did not they claim the check was not paid and it was. They refuse to release the hold on MY MONEY violating Reg CC

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 2019-05-09
Company: COAST PROFESSIONAL INC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In trying to establish a repayment plan, I provided the requested information in XX/XX/2019. 

I then provided updated information o in XX/XX/2019. 

I was received notification from the US Dept of Education demanding a payment amount based on my financial information from XX/XX/2019. 

When I contacted Coast Professional in XX/XX/2019, I was told the updated information was rejected. I received no official correspondence of this, nor an explanation of what this decision was based on. 

In attempting to reach an account representative, Ive been repeatedly told no one was available.

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