BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened an account with US Bank. My business name is XXXX XXXX XXXXXXXX XXXX  and I do business as XXXX XXXX and XXXX. Both offer the same services but one is for commercial clients and the other is residential clients. When I opened the account I supplied US bank with all of this information including the businesses articles of incorporations. After 3 months of depositing checks, US bank decided to freeze my account for supposed fraud. US bank refuses to tell me what kind of fraud was committed or release my funds. US bank has rejected incoming transactions but they took incoming deposits that were meant to cover the incoming transactions. Now US Bank has fraudulently taken my deposits and still has yet to contact me about the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act. All my negative accounts have been violated by my federally protected consumer rights to privacy and confidentiality act. under 15 use 1681. 15. U.S.C 1681. Section 602. A States I have the right to privacy. 15 U.S.C 1681. Section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states No consumer reporting agency can make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is 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 explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank. # XXXX .... {$2.00}... XXXX XXXX # XXXX ... $ XXXX 15 U.S.C 1681 Section 602 A. States I have the 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.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 non-monetary relief
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: PA
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 initiated disputes for the following accounts appearing on my Equifax File due to inaccuracies and incomplete information. These accounts have also been redisputed.

The inaccurate information was taken directly from my Equifax File. Equifax has concluded investigations with reinserting the accounts with the same missing and inaccurate information. 

- XXXX XXXX XXXX # XXXX - reporting inaccurate information. 
- XXXX XXXX # XXXX - missing information ; date of last activity, credit limit, high credit limit. Account consistently reporting missing information in spite of repeated requests to investigate or remove from my file. 
- XXXX XXXX # XXXX - date closed is missing, credit limit is inaccurate. High credit limit missing. Equifax would not validate or remove as per FCRA 611.

These dispute results are being sent back to me as verified as accurate with no update or proper solution that is required under Federal Law ( Fair Credit Reporting Act ( FCRA, sect 611 ( 5 ) ( a ) ( 1 ). Federal Law requires that if the information is unverifiable, inaccurate or incomplete, it must " promptly be removed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Pay off was sent by XXXX XXXX XXXX and sent back by Wells Fargo Auto I have contacted Wells Fargo Auto and they are not Cooperating

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 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX, XX/XX/2023 Dear Sir/ Madam ; I am XXXX XXXX XXXX like to seek to resolve a fraudulent loan thru your office. 

As the matter of fact, on XX/XX/2023 person name XXXX ( ( XXXX ) called and asked if I interested about the Free Solar Installation by state of Texas and if I did there was a man name XXXX ( XXXX ) would see me within 1hr at my house. After we met and exchanged some necessary information XXXX he said in order to fulfill the application he needs my fully personal information for verification of my background, credibility, income... .etc. and if the application got approved then the employee of city of XXXX would come for checking whether or not my property meet standard code of conduct safety and the processing would take up to a week. 

However, on the date of XX/XX/2023 I got a text message from Experian Credit Bureau for Alert Enquiry ( as Exh # 1 ) and I was told by Experian 's represent to call XXXX XXXX to find out the new inquiry and I had tried to contact XXXX XXXX ( as Exh # 2 ) from time to time I finally spoke with XXXX XXXX XXXX, manager of the underwrite department, then find out that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX had fraudulently created a fraud email as XXXX and phone number as XXXX ( as Exh # 4a+b ) along with my personal information to applying for a loan of {$93000.00} with 8.49 % interest for 25 years and that amount of such loan had already issued to the XXXX and she told me to find out the physical address of the applicant on website as I requested her meanwhile the investigation will be on her behalf and we should keep in touch with her personal cell phone and her email as XXXX for further information. And on XX/XX/2023 I drove to the office of Secretary of State of Taxes to get help with dispute and was told by XXXX XXXX XXXX as Exh # 3 ), personnel of the office that I would submit as much as information about the Scam and mail to SOS of Texas including the money order of {$30.00} for the fee and my complaint would be sent to Federal Trade Commision ( as Exh # 5 ), since that issue came out I have tried to contact XXXX by call and text thru his cell phone number to express my anger over the dishonest business and demanded that fraudulent loan must have been resolved and returned to XXXX in the soonest time and XXXX assured that he would submit to his company ( as Exh # 7a ... .7j ) but my demand to no avail till XX/XX/2023 I received a mail indicating my first payment ( as Exh # 4a+b ) will begin on XX/XX/2023. As of this issue, I seek help through Consumer Financial Protection Bureau ( as Exh # 6 ) in hope to clear off the loan that i did not apply for. 

I am enclosing all information as a proof to you for consideration. 

Very Sincerely. 

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 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
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:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2023-11-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
While using Wells Fargo there were numerous times where Wells Fargo would sequence charges to get more overdraft fees, and also hold deposits til overdraft fees were accessed. I requested bank statements but the customer service representative would not provide me any information. The account is now closed.

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 2022-02-10
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company US Bank is calling me constantly on my phone about a debt and credit card that I never had. I have checked my credit report ( in case someone fraudulently opened the account ) and the account is not there. I have repeatedly explained to the company that this is not my debt. They called on Sunday, XXXX XXXX, 2022. I talked to them and explained that they had the wrong person. They called again on Wednesday, XXXX XXXX, 2022. They said it was a platinum visa ending in XXXX. I have never had a credit card issued through this bank.

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 2023-08-07
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase ; I spoke with two representatives both on the phone call on XX/XX/XXXX. I included my friend on the speaker phone call as a witness. It was a futile exercise. They denied all of my questions. 
Chase bought my mortgage as of XX/XX/XXXX. My on time payment history is excellent. I paid {$1700.00} for the past 6 years until Chase bought my mortgage. 
On XX/XX/XXXX I received a bill from Chase stating I had a " shortage of {$3500.00}. '' They attributed this to a XXXX escrow analysis based on a projection of future taxes. I had already checked with my town tax office and they said they don't know what the taxes for 3rd and 4th quarter will be until XX/XX/XXXX. Chase however used older and higher taxes to put on the lines for 3rd and 4th quarter. They said their policy is to always have two ( 2 ) months total escrow on hand. This is a " policy '' I was never notified of, nor was it in the " Welcome to Chase '' package they sent in XXXX, XXXX. This one-year in escrow advance and an arbitrary property tax increase is questionable and unacceptable to me. Today is my XXXX birthday. They gave me 3 options : 12 months spread of {$2200.00} as of XX/XX/XXXX ; # 2 pay shortage of {$3500.00} " and adjust my monthly mortgage to {$1900.00} as of XX/XX/XXXX. # 3 pay part of the shortage. I understand that the rest of the shortage will be divided evenly and added to my monthly mortgage payment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is for the HSBC XXXX XXXX Credit card ( website : https : //www.us.hsbc.com/credit-cards/products/elite/ ). 

One of the card 's benefits is : " {$400.00} in Travel Credits. Up to {$400.00} per year for all airfare, hotels and car rentals booked through HSBC Travel. '' The way it supposed to work is for every {$2000.00} in airfare you spend through the HSBC travel website, you get a {$100.00} credit, max {$400.00} a year. 

Well, this year I have spent over {$2000.00} and have not received the {$100.00} credit. It looks like a IT issue on HSBC side as one of the bookings is not reflecting on their website. I got email confirmation from HSBC for the flight and they can check my card statement, but no one is willing to help. I rang twice, they passed me to the Rewards department, and after waiting with the music they hang on me. Then I spoke to an agent about this and raise a complain but no one has come back to me. I feel it's a scam and they don't have any customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2020-09-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I called American Express serve card on XX/XX/XXXX informing the customer service professional and account security fraud department that I was having trouble accessing my online account due to the fact the security 6 digit code thingy kept coming in slow and everytime I try to resend another code a new code will come an it wont work then lock me out my account then I lost my card and I was trying to transfer money to an sub account until my primary account card come through the mail. But I have spoken to 5 different customer service representative they were all rude and disrespectful on the phone. They hung up in my face when Im trying to resolve my account I had verified my account and also my pin code and still locked out of my account. I ask to speak to an supervisor and everytime I ask they hang up and when I call back they put the phone on hold for 2 or 3 seconds an impersonate as a supervisor an still no help. I ask to get corporate number to make an complaint I was told they do not have a corporate email them. I just want to be able t no access my funds I have a XXXX XXXX  daughter and I cant get her the things shes need because I cant access my money and the run around about unlocking my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was employed for 10 years at the same company. My employer passed away in XXXX from XXXX. It was a family owned business of his and his family decided not to keep it. Therefore we all got laid off as 1099 contractors no unemployment. I called Santander And told them about the passing away and how Im a single XXXX  of XXXX kids  Ive had two vehicles with them and I pay {$710.00} a month and Ive only got two years left of my seven year loan. I am pretty good at paying my payments on time, considering how high they are, I would say, I would rate myself that I pay time about 92 % of the time and thats just being honest. I called and asked if I could refinance they said no I called and asked if I could have a payment plan they said no I needed to pay {$700.00} right then and there I explained that I am playing catch-up from two months of bills and I dont have any help. I am trying to get assistance from churches but nobody helps with car loans And its crazy to me that after being such a loyal customer, theyre the only car loan company Ive ever been with and Ive literally been with them for as long as I can remember Im XXXX and I think I was XXXX when I first went with them Theyve messed up before in the past. I remember we all got a check because they were not paying their taxes or something of the such but it was a big loss, so Im not happy with the company because I dont really trust them but it was too much for me to try to go to a new company at the time because I owe so much with this loan, I think that they could at least work with a down payment like most credit card companies do most debt collectors do in fact, most companies I know will let you do a payment plan. Im scared to wake up and my car is gone and I get fired and cant feed my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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