BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
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:
I have attached my credit report to this complaint to show that you are reporting an inaccurate account on my credit report. The account XXXX XXXX is more than 7 years old, and it was transferred to another lender. You are also reporting the XXXX as XX/XX/2020 which is incorrect. XXXX and XXXX removed this account, but your company has failed to do so and ignored my initial dispute letter. I am requesting the removal of this account immediately from my consumer report.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: AL
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 Fair credit reporting act XXXX  accounts 1. CXXXX XXXX XXXXk- # XXXX XXXX, XXXX, XX/XX/XXXX 2.XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX 4.XXXX  XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX 5.XXXX XXXXXXXX, XXXX, XX/XX/XXXX 6.XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX 7.XXXX XXXX XXXXXXXX XXXX, XXXX, XX/XX/XXXX Has violated my rights. Recently I reviewed my credit reports and found the above inaccurate late payments. Per FCRA 15USC 16811 All unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify these inaccurate late payments. Noncompliance with this request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE will force my legal to file with FTC, ATTORNEY GENERAL of Alabama along with any further legal action we deem necessary including but not limited to civil and punitive damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/, I had to file an insurance claim on a tree falling onto my roof, it damaged my roof, siding and gutters. 

I end up not following up with the insurance claim since I was advised by family and friends that my premium for homeowner insurance will sky rocket. 

I called in XXXX of XXXX  to put myself on FEMA forbearance, realizing that I can no longer cover the mortgage on my own plus manage the roof repairs, siding repairs and gutter repairs. I was told that the forbearance was approved and I will be on their forbearance plan. 

I called back the servicer on XX/XX/XXXX  and was told I am off of forbearance since FEMA  is no longer supplying forbearance under the zip code. Before i spoke to a supervisor, the lady told me that they have no evidence of me calling back in on XXXX and I was on FEMA  forbearance since XXXX of XXXX  that I haven't receive any notice or acknowledgement about. Supervisor told me that there's absolutely nothing he can do to help me in regards of the FEMA forbearance.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 that 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 non-monetary relief
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}

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 2023-07-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I was notified by XXXX that Wells Fargo closed my XXXX XXXX store card # XXXX that had an out standing balance of {$1700.00}. I opened the account XX/XX/XXXX and in the XXXX  months the account was open I had never missed a payment and always paid more than the minimum amount due, I have no negative marks in the last XXXX  years on my credit report and consider myself very credit responsible. So this so a complete shock to me since I was given no advance warning from Wells Fargo that this account was going to be closed. I called the company and was told that that they are no longer going to be servicing any accounts associated with XXXX XXXX and they closed all XXXX XXXX accounts. 
It is the companies right not to finance XXXX customers however not to give the customers any advance warning is very troubling. If had at least 30 days notice I could have time to pay the balance off and so it would not impacted my credit score.

When I called Wells Fargo they stated in the terms and conditions of the account it states they have the right to close any account at any time for any reason, which is fine. but any reasonable person with a good credit score with an account in good standing, who pays more than the minimum amount due always on time would not expect their account to be closed with out notice. Not even pop up on the online bill paying portal, or one line blurb one statement. This is irresponsible and was done deliberate done to hurt the consumer.

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 2023-07-18
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a cease and desist letter request to SOURCE RECEIVABLES MNGMN to stop calling me and they are still calling me aggressive and threatening me attempting to collect on debts that i never owed after XXXX and damaging my excellent credit report. I am writing a complaint to remove this company who trying to collect a debt that is not mines nor did i give anyone permission or my signature to put this on my credit report or open any account without my knowledge i want to dispute the collections on my credit report I am entitled to a fair and accurate credit report, Under consumer law, [ 15 U.S.C. 1681 ] and i am requesting this collection agency provide me with verification of the collections that are currently listed on my credit report. This includes all documentation related to these items, such as payment records and dates, signed contracts or agreements, and any other evidence that supports their validity. Whether or not they are licensed to collect debt in my state if they can not provide me with the requested documentation within 30 days. 

COLLECTIONS NAME : SOURCE RECEIVABLES MNGMN DATE : XX/XX/2023 AMOUNT {$410.00} past due

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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:
i need clarification as to why you are reporting certan information on my credit report pleace review the following : XXXX XXXX # XXXX. XXXX XXXX # XXXX XXXX XXXX # XXXX. A collection is buy default ( PAS DUE ) Delete account for inacurate reporting. after you finished my request sen me a copy off my credit report reflecting these changes 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 2023-04-20
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: NEW YORK COMMUNITY BANCORP INC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Flagstar Bank in May informing me that I was being removed from Auto Debit due to three instances of non-sufficient funds ( NSF ). To my surprise, I discovered that Flagstar only makes one attempt to withdraw funds, unlike most other financial institutions that make three attempts. Consequently, I was puzzled about how to comply with Flagstar 's unusual demand that I pay only via certified check. 

When I contacted Flagstar to discuss the matter, I was informed that I couldn't make payments through Auto Debit, XXXX, ACH, standard check, or wire transfer. They would only accept certified checks. This has caused significant inconvenience and hardship for me and my family. Adding to the frustration, Flagstar 's XXXX and XXXX statements indicated that I would be auto debited, contradicting their earlier letter stating that only certified checks were acceptable. 

In XXXX, I reached out to Flagstar to address this discrepancy and clarify the payment method. The collections department assured me that they would remove the restrictions, allowing me to pay in the usual manner. However, when I called Flagstar today to inform them that no auto debit had occurred and that I couldn't pay online, the collector informed me that a decision was made on XX/XX/2023, not to reinstate my account for ACH eligibility. Flagstar never communicated this decision to me. 

As a result of Flagstar 's poor communication, I have incurred hundreds of dollars in late fees. Additionally, I now face the challenge of finding a certified check dealer within the limited time I have. This entire situation could have been avoided if Flagstar had followed the common industry practice of making three attempts before considering a transaction as NSF. There is no specific governing body that has mandated a universal standard for the number of attempts in auto debit transactions. However, the practice of making three attempts before deeming a transaction unsuccessful is a common industry practice followed by many financial institutions. It provides a reasonable opportunity for customers to have sufficient funds in their accounts and minimizes the chances of accidental NSF situations.

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 2023-04-20
Company: EQUIFAX, INC.
State: MI
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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Old information reappears or never goes away

Complaint:
In XXXX I opened a prepaid/secured c/card with XXXX XXXX XXXX, deposited {$500.00} dollars. Had excellent payment history. In XXXX, I asked the bank to cancel/close my credit card account and return my deposit. My multiple calls, emails, formal requests were ignored, my account has never been closed. I complained to the OCC 's office and Attorney General Consumer Fraud division. The XXXX XXXX XXXXXXXX took adverse action and retaliated against. Subsequently my account was impacted by bogus, fraudulent late charges, was escalated to their collection agency, which adversly affected my credit score. In XXXX and XXXX when I was out of Country due to emergencies, the XXXX XXXX XXXXXXXX was even contacted from overseas, I incurred long distance/international calls charges. I can prove by my phone bill my countless long distance calls made to the creditor. The bank took advantage of my absence from country due to my medical emergency and never closed nor cancelled my card. As a result of that bureaucratic runaround, scam and consumer financial fraud, my account incurred bogus late charges, with derrogatory remarks and default status, resulting in harsh impact to my credit rating. My credit score was crashed because the XXXX XXXX XXXXXXXX took adverse action, retaliated against me in response to my formal complaint filed with the federal agencies in charge. I was denied loans or other credit cards only because of this harsh impact on my credit file, since the creditor reported my account status as negative/charge off. I retained a lawyer only for legal communication with the creditor. Upon receipt of the legal letter, I received a call from the XXXX XXXX  XXXX Executive office and was promised an immediate deletion/removal of the negative reporting from all three ( 3 ) credit reporting bureaus. I was cheated, scammed and defrauded. The same false negative/derrogatory status reappears in my credit file. As a victim of financial fraud and predatory lending, I would contact all media channels, FBI, Federal Reserve Board if your office would fail to enforce the laws and regulations to protect my rights as a consumer and victim of financial fraud by the bank. See attached legal letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I was the victim of a blackmailing  attack on XXXX from an account under the name XXXX. This individual had compromising photos of me and demanded payment so that the photos would not be distributed on XXXX to my peers ( Im a high school student ). After all was said and done, I ended up sending {$1000.00} dollars to the scammer, with some of the transactions pending for around XXXX hours time before completing. Unfortunately, when I attempted to call the fraud department at Chase Bank less than an hour after the payments were initiated, I was informed the department was closed. The next day, my bank was able to stop one XXXX charge of {$100.00} after I went to a local Chase branch for assistance. The charges on XXXX totaling {$900.00} were still sent through. 

The first {$400.00} on XXXX went through quickly, but the other {$500.00} was pending for over a day. When I went to the bank branch in person, they opened a case and said they would see if they could cancel the payment. However, the payments went through and were never cancelled, it appears to me that the bank did not move quickly enough to cancel the charges. 

When I called the bank recently to ask why they did not cancel the pending charges, a customer service representative said that they could not cancel the charges since the money had already been sent. However, given that the charges were pending both on my chase bank app and XXXX XXXX, its evident that this was not the case. I was hoping to get reimbursed by my bank since the banks fraud department did not take my call initially and since the bank did not move quickly enough to cancel the charges when they opened their investigation the following day. Additionally, in general, I find it quite strange that XXXX does not have the same measures in place as XXXX for example. With XXXX, I was able to get my money back since they have safety measures in place to prevent scammers from stealing money in situations like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: GOLDMAN SACHS BANK USA
State: TX
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:
I made a purchase at the Apple XXXX online. They sent my info to a physical store. I went to pick up my computer. The charge was XXXX cents. I was told by the person who signed me up for the card that I can pay in installments, but I was charged the full amount. Apple online/phone store suggested I call and tell Goldman Sachs I wanted to pay in installments. Days later, I notice a charge for {$1700.00}. I learned the {$1700.00} was the subtotal. The XXXX was with tax. Currently these two charges have appeared on my account since XX/XX/2022. Ive been asking them to remove the extra charge over and over again. One manger said it was their mistake. Another manager said I will have to pay. I will not pay for something f I have not purchased, nor have I authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: FL
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: COLUMBIA BANKING SYSTEM, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from Umpqua Bank dated XX/XX/2023. I never applied for an account at Umpqua Bank, so my identity was stolen to open this account.

I have only interacted with Umpaqua Bank by selling a house to someone who used it for financing. The bank was in XXXX, Washington. 

I called the bank and they closed the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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 XXXX XXXX XXXX XX/XX/23 don't recognize this inquiry

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