BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company issued 2 checks to my insurance company in XX/XX/XXXX. They were sent to me and I was advised not to cash them. My agent contacted the mortgage Co and was told they stopped payment on both. In XX/XX/XXXXI rcvd an escrow notice of shortage {$5500.00}. I contacted the mortgage Co and they brought up the two checks. Neither were cashed so why am I responsible? FF to XX/XX/XXXX. Another check was issued and I was advised to cash it and send it back to the mortgage Co. I was also told upon receipt my mortgage would adjust back to my mortgage payment. I mailed the escrow check refund and my current mortgage payment {$1200.00} ( {$1300.00} ). Now I am fighting with them because the escrow payment did not reset my payment and they have been holding my {$1300.00} in suspense. They also charged me a {$60.00} late fee. They have refused to adjust. They have refused to apply the {$1300.00}. I would not have sent in the refund check! I would have kept it and applied the difference monthly to make up for the payments all year. I call once a week and get a different explanation each time. Escrow Payment wasnt enough ( both checks were stop pay ). Mortgage payment not new amount ( shouldnt have gone up ) I was told the insurance co raised annual amount ( my agent disputes that ). I need a very clear letter with the CORRECT amount listed. Why there is a shortage. Why my escrow payment was not applied to adjust my mortgage and late fees and credit bureau negativity removed. My agent and I followed the instructions yet nothing has been fixed in my favor.

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 2023-09-17
Company: Activehours
State: UT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I filed a previous complaint because the company refuses to update my information to the correct pay dates and I was getting charged over draft fees. I filed a complaint before and they never got back to me or responded to me but seem to have taken down some info? They just credited my account for the overdraft fees and I received no other correspondence or information. I attempted telling them the correct days to pull out of my account to which they disregarded again. I am now being charged additional overdraft fees and they are charging a full day earlier than what they claim in the app. This is the second time I have been willfully mislead by this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: WELLS FARGO & COMPANY
State: WA
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:
My bank, Wells Fargo, notified me by email on XX/XX/2021 that they had detected unusual activity on my debit card. On XX/XX/2021, when I read the email I checked my account online and found that there were three unauthorized charges, one of which Wells Fargo had already reversed. 

I filed a fraud claim on XX/XX/2021 for the charges that I did not make. The first charge was made XX/XX/2021 for the amount of {$160.00}. The second charge was made on XX/XX/2021 for {$240.00}. There was a 3rd charge that was reversed. It was readily acknowledged that the other charge was fraud. According to bank records, all three charges had the same thing in common- they were for an exorbitant amount of gas within a two day period at XXXX stores. 

I received notice by mail on XX/XX/2021 that my claim was denied. I called the number provided to ask for the reasons for the decision and how to appeal. I was told by three different people on three different phone calls, once on XX/XX/2021, and twice on XX/XX/2021, that I could not appeal the decision. They also said it would take a ridiculous 30 days to receive an explanation letter. 

The denial letter states in part that their decision was made based on my banking history, however according to my banking information, the charges were made for large amounts of gasoline at XXXX stores within a two day period. One charge was made in XXXX, Washington. 
If they did go back through my banking history, they would have seen that I have never purchased that much gas at any one time, that I do not go to XXXX, and I have not patronized XXXX. These points alone should be enough to indicate fraudulent activity. Also, my other purchase history for the dates in question shows that I was not even in the areas these fraudulent charges were made. XXXX is a two hour drive and XXXX a four hour drive. I was at or near my residence both times. I do have witnesses to that effect. 

The denial letter also said that because the debit card was in my possession and my pin number was used, that they determined I, or someone with my permission, used the card. I maintain that it was not me and I did not authorize anyone to make any purchases. 

I believe that Wells Fargo has not acted in good faith, especially considering they say that I can not appeal.

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 2021-11-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Roughly 4 years ago, I was a victim of check fraud for {$400.00}. In my freshman year at XXXX, a XXXX  teenager asked me to deposit a check for them so they could collect their first paycheck from their new job. Being young and wanting to help someone, I deposited the check to assist them. After finding out this is a common fraud, I worked with XXXX to correct the issue and had my account closed. The personal banker told me that after a year at another bank I could return. 4 years later, I wanted to open a new account after obtaining my XXXX XXXX from XXXX to build back my checking history. I was told despite never receiving formal writing that my relationship had ended and essentially received a lifetime ban for being a victim of a {$400.00} scam at age XXXX. After being on hold for over 8 hours over the course of 2 days, the decision was reversed and I was able to open a new account. However after funding the account with {$1000.00}, I was locked out due to suspicious activity. 1 week later and over 10 hours of calls, I am unable to access my online account, withdraw my funds, or speak with anyone to inquire about my new account or the considerable funds locked inside. If being banned for life after being a victim of fraud for an immaterial amount with no disclosure or writing was bad enough, Chase has decided to play phone call ping pong with me, separating me from a balance more than double the {$400.00} they chose to end the relationship over. Terrible customer service may not be illegal, but making life impacting consumer decisions without proper documentation and notice and refusing to serve a new customer with over {$1000.00} feels comparable to fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX  XXXX  XXXX, XX/XX/2021 reported a medical collections account to the credit bureaus, the company has violated my Hippa laws, and this company has failed to make any contact with my to verify any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX : {$0.00}

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 2017-12-13
Company: Alorica Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Global Receivables Solutions has been calling me every hour without leaving a voicemail. I 've received nothing from them in the mail, so I do n't know what their supposed business is with me.

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 2021-10-06
Company: Trident Asset Management, L.L.C.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX I wrote to Trident Asset Management to request a Debt validation. I did not hear from them for over 30 days, so I then wrote them again requesting the debt validation. The second time I sent the letter certified mail. Tracking number XXXX. Tracking showed that they received the second letter on XX/XX/XXXX. It has been over 44 days and still no response from Trident Asset. No letter to say that they received my letters, no debt validation, or anything. I have never received anything from them. No letter, email, call, fax, or text to let me know that I had a potential debt with them. I just noticed it on my credit report. This account was placed on my credit report on XX/XX/XXXX, and it is reporting for the sum of {$610.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion customer service would not help and take care of the negative inquiries reporting to my credit report.

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2023-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2019-04-26
Company: SYNCHRONY FINANCIAL
State: WA
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 XX/XX/2018 I had mail stolen and the suspect attempted to open an account with Walmart/Synchrony Bank on XX/XX/XXXX. I contacted Synchrony Bank and they immediately closed the application and said the inquiry would be removed from my XXXX credit report. I contacted them again in XX/XX/XXXXwhen the inquiry was still on my report and they said it will be taken care of within 30 days. It remains on my credit report to this day. 

I contacted XXXX and disputed the inquiry and their investigation determined this was accurate and did not remove it. I filed a follow-up complaint XXXX never responded to.

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 2018-05-23
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: Information belongs to someone else

Complaint:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company:XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/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 2023-01-05
Company: Experian Information Solutions 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'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 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 2023-08-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
An unauthorized debit by XXXX XXXX was made. XX/XX/23 I called XX/XX/23 tothe bank before the money was debited. I told them the purchase was unauthorized for {$420.00}. I was told it had to be processed ; eventhough, I told them it was fraud. 

I was told to call back once the money was taken from my account. 

I called back filed a fraud claim XX/XX/23. However, i filed a second fraud claim as another debit occurred unauthorized, which money ( {$50.00} ) was taken from my son 's account, which was refunded. 

My claim was denied 2 times and they will not give reason. And has taken XXXX almost 6 months to give reason. 

I asked for documents and have been denied that as to reasons why I got denial information that is insufficient and a denied request as of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts and inquires are not mine. Its identity theft. Someone used my personal information. I am very distressed that due to Identity theft, bureaus have included the below information ( accounts and inquires ) in my credit profile and have failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports they publish. I can not understand why this misleading info is still reported in my credit profile and why I have to suffer due to this fraud? Please help me and apply investigation as I can not handle that anymore! I want you to help me and delete these accounts and inquiries. 

Thank you for understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 I requested a new debit card after attempted fraud transactions on my old debit card. On XX/XX/21 I contacted the bank and advised I still had not received my debit card and needed access to the funds in my account. I was told I could not access new funds and that I could request a new expedited card for a {$15.00} fee. It's unfair to deny access to funds and then charge a fee to expedite their own process I lost my job because I couldn't access funds I needed to get to and from work

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 2023-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Collection Bureau of Fort Walton Beach, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLLECTION BUREAU OF FWB. amount : {$1300.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of .....

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED i would like this account to be removed from any credit bureau it is reporting to

Company response to consumer: Closed with explanation