BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: EQUIFAX, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$220.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$84.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$220.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$84.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX A ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}

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 2015-11-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Regarding New Home Loan # XXXX with Wells Fargo. Working with XXXX XXXX, XXXX XXXX and team.started on XXXX XXXX 2015. 
The worst day in my life when I approached Wells Fargo rep XXXX to help with mortgage while shopping around for XXXX other major lenders. the reason to go them was clearly stated that closing should happen in a month time. I had no-contingency offer and my earnest deposite of XXXX was at risk for my dream home purchase. 
I provided all the documents and was given confirmation that it should be easy one as I was applying for loan of XXXX % on the property price of XXXX and I had over XXXX in assets plus another rental property with XXXX in equity. 
I decided to go with WF due to promise of closing on time. To my surprise the whole month went by in asking for documents in installments. Loan team seem to be working on this first time. everytime they will ask for a " last '' document and then ask for another. Finally I had to request seller for contract extension till XX/XX/XXXX as loan did not close on time. Meanwhile I already spent money for XXXX appraisals and a credit report pull. After this I was laid off from job but got another contract job offer in a day or two so I asked loan officer if I should continue or work with seller on pulling out of deal. 
She told me that contract document is enough proof to keep ball rolling and no other document is needed. I provided with contract job offer I had.I worked with seller to extend contract for another 30 days on condition that I pay {$80.00} per day as compensation. I again asked loan officer if I should enter contract. On her positive confirmation I decided to keep ball rolling for {$80.00} a day. The loan did not close by new extended date of XX/XX/XXXX end.Meanwhile I got job offer from original employer. Now WF wanted me to extend home contract for more days and asked for offer letter. I provided these document and on assurance that no more docs needed I extended purchase contract for another 30 days till XX/XX/XXXX. 
This time I had learnt my lessons and started working with other lender. Thanks fully my loan with other lender got approved in XXXX weeks and I was able to close by end of extended date. 
In the process I incurred un-necessary expenses with no result and caused by in-efficiency of the Wells Fargo staff as follow. 
Appraisel costed XXXX $ and I had to do XXXX. 
Credit check fee XXXX $ Two month of compensation given to seller extend contract $ XXXX $ XXXXPlus lot of trips and parking expense to meet them approx XXXX $ I difinitely need to be compensated for money I spent ( over XXXX $ ) plus compensation towards mental hassle I had to go through during XX/XX/XXXX-XX/XX/XXXX for a supposedly straight forward transaction. 
ThanksXXXX, CA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020

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 2016-06-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have incorrect address and telephone number on credit report. Correct address should be XXXX. Current address is : XXXX Texas XXXX. 

I have also attached my dispute which I could not do online. I have attached a copy of credit report with notes on what corrects need to be made. 
Some accounts are paid in full and I have attached letter. XXXX account on report twice ( XXXX ). Once account 10 years old ( XXXX ). XXXX accounts fraud ( XXXX, XXXX, XXXX XXXX ) XXXX account that is paid in full ( XXXX ) I have supplied more than enough paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
US Bank 's customer service is way too slow and really bad. i have had issue with my account 2 months ago and still it has n't been resolved. A lady at US bank made mistake and i got charged over draft fees 6 times. She suppose to reverse the charges 2 months ago. i have to call the bank everyday for last 2 months and keeps telling me that she will do it today but her today never came. now, im tired of calling bank because every time i call, a phone rep. tells me that she is either with customer or in meeting so i leave my phone number but she never calls back. i have to catch her on the phone, calling the bank many times during each day.

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 monetary relief
Consumer complaint received 2015-07-15
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Closed on my home in XX/XX/XXXX, U.S. Bank bought the mortgage in XX/XX/XXXX but there is still noting listed on our Credit Report, we are being denied credit because we do not show as homeowners on our credit report. Contacted U.S. Bank, where I was immediately directed to collections, even though I have NEVER been late and was told that as a courtesy they reported me to the bureaus late! What courtesy is that. I want my mortgage listed on my credit report as the law states it should within 30 days!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Bank charged for an extra month of rent on the vehicle lease, because they failed to check the return inspection for to verify the auto was returned on XXXX XXXX, 2015. Each letter to the bank results in additional paperwork, without the questions in my letters being addressed. 

I am requesting CFPB 's assistance in getting the XXXX month billing reversed with a refund check. Paperwork from the bank and my letters are 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 2022-10-17
Company: Experian Information Solutions Inc.
State: WI
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:
{$780.00} on XXXX wrote several letters and tried calling for removal

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 2022-04-22
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have reached out to each company and havent gotten any positive results I do not recognize any of the above inquiries

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 2022-04-22
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:
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I have reached out to each company and havent gotten any positive results I do not recognize any of the above inquiries

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 2015-08-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
To whom it may concern. 
I have Checking, Savings, and Mortgage accounts with Chase Bank. 
On XXXX/XXXX/15, a day prior for leaving for XXXX I called Customer Service and notify them about my travel plans. I told Customer Service that I 'll be renting a car in XXXX XXXX XXXX on XXXX/XXXX/15. I wanted to make sure my debit card will work. Customer Service representative promise to unblock my accounts for use in overseas. So I went. 
However, upon my arrival in XXXX my card did not work. I found myself in embarrassing situation, when clerk of a rental car company was swapping my Chase Card and getting " insufficient finds '' status. 
I felt like a criminal with everybody 's looking at me, like I 'm trying to cheat the company and people for their money. 
I start making collect call to US Chase bank using phone number provided on a back of my card. I have no other ways to research other phone numbers ; I was in XXXX with no internet access. 
I reported to Customer Service that my card is n't working ; funds are not getting released to Rental Company. Customer service apologized for inconvenience and released the funds from my account this second time. 
These are all happens while I stay on a phone with XXXX Chase bank, calling from overseas. 
Few days later, I received a phone bill from XXXX XXXX XXXX with {$85.00} long distance charge. I wrote Chase. They refused to credit my account. 
Let me point out that I only make XXXX phone call to fix the problem with Chase card, the XXXX problem Chase did not solve when I ask them to. They mistake cost me time and money, not to mention extremely unpleasant situation at the rental office. 
This is not the first time it happens. I 've been in a lot of situation with Chase, when I could not trust information provided to me by Customer Service, incompetence is too high, so I have to call again and again to verify information they give me from the first time. 
This time it cost me additional {$85.00}, which I beleve should be coming from Chase funds, not mine. 
I did everything in my power to avoid charges. I refuse to cover Chase mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Unifin Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
UNIFIN sent me a letter on XX/XX/2021 stating that I owe an alleged debt XXXX XXXX XXXX, in the amount of {$7900.00}. In the first letter it has 3 different amounts that I can make payment to UNIFIN. I sent a Validation letter to UNIFIN on XX/XX/2021. UNIFIN 's response to the Validation Letter was with court documents with a Civil suit bought against me by XXXX XXXX XXXXXXXX XXXXwho was hired by XXXX XXXX ; prior to UNIFIN taking possession of the alleged debt. I believe XXXX XXXX XXXX sold my personal information to the XXXX XXXX or hired to sue me for the alleged debt, then it was sold to UNIFIN. 
I believe XXXX XXXX XXXX XXXX ; Attorney XXXX XXXX XXXXXXXX XXXX and UNIFIN debt collection company are all working together. 
I never gave XXXX XXXX XXXX permission or consent to sell my personal information or to give my personal information to any third party or affiliates. 
I never gave XXXX XXXX or XXXX XXXX XXXX, XXXX. permission or consent to sell my personal information to any third party or affiliates. 
XXXX XXXX and the XXXX XXXX and XXXX XXXX XXXX, XXXX. never gave notice of the lawsuit that was filed on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: JPMORGAN CHASE & CO.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I submitted a check for {$25000.00} on XX/XX/2022 to Chase Bank. Originally i was told there would be a 9 day XXXX hold on the money. On XX/XX/XXXX I called Chase to ask how to expedite the process, and they said they bank the check came from, XXXX XXXX had to authorize it. I called the individual that wrote me the check after to call their bank and check their account. They reported to me that the money had already been withdrawn from their account, but it wasnt in mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I entered Experian website to get credit report. The screen where I was to enter my credit card number to receive this information showed a {$1.00} charge. AFTER I entered this information, the NEXT SCREEN indicated I would be charged {$39.00}. 
EXPERIAN is dishonest and should be fined for this deception.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29
Company: WELLS FARGO & COMPANY
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am currently a customer with Wells Fargo, and have been with the bank for about 11 years. I previously had both an " Advangtage Checking Account '' and a " Money-Market Savings Account '' with the bank. I am also enrolled in their electronic statements system. On XXXX XXXX, 2015 I received a message via email notifying me of the following : " There are important changes coming to your Complete Advantage ( R ) Checking account that will take effect XXXX XXXX, 2015. Please sign on to view a secure message about these changes. '' I logged on only to find no relevant messages about my checking account or changes. 

Noting this email, I monitored my physical mailbox, looking for any correspondence regarding the changes. I never received any notifications in the regular US Mail. 

Earlier today, while reviewing my online banking account, I saw that there was a {$13.00} banking fee charged to my account. Further investigation showed that the account type had changed and was no longer a " Advantage Checking Account ''. I contacted Wells Fargo and was informed that my account no-longer met the requirements to be fee-free. 

I 'm writing today because I was not informed of this change, and believe that it was not fair from a consumer-standpoint to having account changes made without proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, I applied for a HAMP Tier 1 loan modification of my mortgage loan, which is secured by my primary residence located at XXXX XXXX XXXX, XXXX, MD XXXX. I transmitted my loan modification application on the required form " Request For Mortgage Assistance '', dated XXXX XXXX, 2015, to America 's Servicing Company, LLC, ( " ASC '' ), which is the servicer for Wells Fargo Bank, N.A., which is the agent for the lender XXXX XXXX. XXXX XXXX XXXX is the Home Preservation Specialist assigned by ASC to correspond with me regarding my loan modification application. On XXXX XXXX, 2015, I transmitted to XXXX XXXX, together with other documents, a Hardship Affidavit, which explains the hardships which caused my default on the subject mortgage loan and my need for a HAMP Tier 1 loan modification. In its letter, dated XXXX XXXX, 2015, which rejected my loan modification application, ASC refused to disclose to me what it refers to as the " complex NPV Formula '', as stated on p. XXXX, in the Paragraph entitled " About the calculation required by the program '', which formula ASC states that it used to deny my loan modification application. In addition, ASC has refused to disclose the manner in which it applied XXXX alleged factors to the alleged NPV formula. I have requested several times in writing that ASC disclose to me the NPV Formula and the manner in which the alleged XXXX factors have been applied to the NPV Formula. As recently as XXXX XXXX, 2015, I requested by letter that ASC disclose its NPV Formula, list the information which ASC inputted into the formula and the information which ASC stated that the U.S. Treasury requires ASC to combine with ASC 's information, and the " Treasury required information '' which ASC inputted into the NPV Formula. Again, ASC has refused to disclose the NPV Formula and the manner in which information and its XXXX factors have been applied to the NPV Formula. ASc has not responded to my letter, dated XXXX XXXX, 2015, in which I again made these reasonable requests. ASC has acted in bad faith throughout this loan modification application process.

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 2022-04-22
Company: Open Dealer Exchange, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently retrieved my credit report, and it showed the below highlighted credit inquiries that I have no knowledge of ever authorizing. I am writing to dispute the following inquiries lacking certifiable evidence which should be deleted from my credit report unless physically certified verified proof is demonstrated per U.S XXXXODE 15 U.S.C. S 1681 ET SEQ. Section 604 of Fair Credit Reporting Act and asking for them to be removed from my credit report.

Company response to consumer: Closed with explanation