BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: EQUIFAX, 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:
I have numerous negative items stated on my credit report that is not mine. I was never aware of these negative items. I believe I have been a victim of identity theft and this misinformation on my credit report has been affecting me terribly. My information was also compromised during the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Submitted several identity theft reports obtained from the XXXX police department aswell as the FTC and credit bureaus still refuse to remove the fraudulent accounts and unauthorized 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 2021-01-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a large check into my account on XX/XX/2021. I was told that the money wouldn't be available until XX/XX/XXXX by the teller. I thought that a strangely long period to hold onto a check, but I just accepted it. Now, a sibling also made a similar deposit at another bank ( not Chase ) on the same date as I and the funds were made available two days later on Saturday, XX/XX/2021. So, if this smaller bank was able to verify and pay out a check within two days, what is Chase 's problem? 
On XX/XX/2021, I contacted Chase twice ; the first time at noon and the second at XXXX. The first time, customer service transferred me over to another department after telling me that maybe some of my funds could be made available to me. The woman in the department ( she did not give her name nor the department, which upon the subsequent call, I found out was the fraud department ), allegedly called the issuing bank and the lawyers office where the check was written but surprisingly could not get in touch with anyone at either office to verify this check. This took 35 minutes and no resolution. Unsatisfied, that's when I made the call at XXXX. XXXX, in the fraud department ( I had to ask his name and department. They don't offer this information upfront which I don't understand what the point of the secrecy is ) all but told me that I was being investigated for fraud. I never have and never will be involved in criminal behavior. This is MY money that I entrusted to Chase and this is how they treat customers. Is it because I'm otherwise a working class person ; not rich enough to be treated humanely? Is it XXXX? Now I'm offended and feel discriminated against. I also am now behind on debt that I would have been able to rectify if Chase did not have such ridiculous practices. I understand a large check being deposited needs to be verified but why does it take 7 to 10 business days to do that when another bank was able to do it in 2? I know that Chase has received the release of my money from the other bank and they are just holding onto it for no other reason but to be unprofessional and uncompromising. As of this complaint, one of the two accounts that I have with Chase is overdrawn. I expect Chase to do away with the overdraft fees since this situation is one that they've created. I've had money in my account since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: WESTERN ALLIANCE BANCORPORATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I am writing to complain the Alliance Association Bank ( AAB ), at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX and the phone number is XXXX I own two condos, XXXX XXXX XXXX XXXX CO XXXX and XXXX XXXX XXXX XXXX CO XXXX. AAB is the bank that handled the XXXX fees. The rules of paying monthly fees to AAB was set as follow, BILL PAY SERVICE Ensure the check is made payable to your association XXXX XXXX and the memo portion includes the following information/instructions : a. Management Company ID : XXXX b. Your Individual Account Number for XXXX XXXX at XXXX XXXX is XXXX. 
a. Management Company ID : XXXX b. Your Individual Account Number for XXXX XXXX at XXXX XXXX is XXXX. ( Please see attached copies ) I used my bank bill pay service to pay my monthly fees and it was repeatedly returned by AAB. I have an example of my payment check sent to AAB which is attached to this letter. I believe I followed the rules and any reasonable banker would accept the check. AAB refused my payments with the same format of the letter, I have an example attached. In the letter, AAB added extra rules and restrictions as the reasons to refuse. I also attached my bill pay profile to this letter. I believe it is a typical case of discrimination against particular customers. I hope you can help me and held them accountable of these discriminatory practices. 
I can be contact at XXXX or XXXX XXXX XXXX XXXX, XXXX CO XXXX. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I had contact the office by phone more than one time and the person that unswerving its very very rude, unfriendly aggressive and intimidating that I will be sue by them one more time? 

We are all having a difficult time with This COVID-19 pandemic. To get job or just to keep it. 

I kindly asked for help with this office because they only wanted to scare and intimidated people in order to get the money. 

Its my first time that I see a company with so many complaints and bad reviews, Why they continue open? 

At the moment I had a debit of {$900.00} but after my last called I believe that they want more FREE SCARRING MONEY

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 2021-11-04
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: Was not notified of investigation status or results

Complaint:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgage went up, every year letter saying escrow is short

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 2022-06-17
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Creditor Name : Bridgecrest Account # : XXXX Date opened ( XX/XX/18 ) 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additionalclarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty daysbefore the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2015-10-23
Company: Eagle Home Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Our mortgage lender qualified us for a 5/1 ARM VA Jumbo 100 % financing loan at 3.125 % interest for {$590000.00}. On XXXX/XXXX/2015 we opened up escrow on a home. 12 days before our close date ( XXXX/XXXX/15 ) our mortgage lender contacted us via telephone to inform us that we have been approved for our loan ; however not the initial 5/1 ARM VA Jumbo loan- unless we were to put 25 % down of the difference from {$410000.00} and our purchase price. Our lender stated that we are able to receive a fix rate 30 year mortgage at the interest rate of 3.875 % without any lender credit or an interest rate of 4.125 % with a {$3500.00} credit. The reason the 5/1 ARM loan was denied after the underwriting approval is because of some kind of " overlay '' that the underwriter " missed ''. The reason for this " overlay '' is not associated with anything questionable in our finances, credit score, debt to income ratio or anything else on our end. I have contacted other lenders which all have informed me that our lender should have known this before we went into escrow. I feel that our lender used a bait and switch tactic to get us this far into the escrow process thinking that we would just go with a higher interest. The change in the interest rate would increase our monthly mortgage by at least {$400.00} a month. I have asked if there is any way our lender could work out the current issue with us, but they gave no other options. One day after the previously mentioned complaint, we received a conditional loan approval for the product 5/1 ARM VA Jumbo 100 % financing at 3.125 % interest directly from the loan processor of the loan company in question. However, our loan officer still denies that we were ever approved for such loan terms.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I originated a mortgage with Guaranteed Rate. The close date was XX/XX/XXXX, or XX/XX/XXXX. My mortgage was then transferred to Freedom Mortgage. I have my homeowner 's insurance and property taxes escrowed into my monthly mortgage payment. I currently have a escrow balance of around {$4800.00} at Freedom Mortgage. My real estate taxes were due XX/XX/XXXX to the city of XXXX, Michigan. They have not been paid, and penalties and interest has accrued. The total tax bill that is currently due is around {$2800.00}. 

I first found out that my taxes were not paid on XXXX XXXX, XXXX. I just found out from Freedom Mortgage that the estimated payment date is going to be XXXX XXXX. The problem with this is that the City of XXXX is going to transfer my property taxes to XXXX County and a lien will be placed on my property. This is going to happen on XXXX XXXX. 

So, this is a very serious situation. I can not have this happen. I have been speaking to someone directly at Freedom for the past week. Her extension is XXXX. She said they escalated it to their claims department, but I can not get any further idea when it will be paid. I told them that my property taxes will be transferred to XXXX XXXX, Michigan on XXXX XXXX, but I am getting nervous as to if it 'll be paid. 

Please find something out or see if you can do anything to escalate this. 

My contact information XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Cell : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Bank, Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am not aware of this debt, I currently have XXXX, but its a prepaid phone. I have no knowledge when this account was opened. XXXX debt collectors tried to collect on this debt, then closed the account. I want proof or documentation with my signature that I opened an account with this company.

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 2022-02-22
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ATTN : To whom this may concern Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : ACCOUNT NAME ACCOUNT NUMBER EOS ECCA- XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this complaint ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the account from my consumer report without prejudice. 

Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received are County tax bills that we 're supposed to be sent to the lender. I faxed them to Freedom mortgage on XXXX XXXX 2016. XXXX bill was paid on time, XXXX was not paid so I called them on XXXX XXXX 2016 which was the due date. They told me that they did n't have record of the XXXX tax bill and I should send them the fax that I sent them, via email. I contacted them via email on XXXX XXXX 2016 with the documents they requested attached to the email. I received a response the same day saying that they received my email inquiry and that they would respond to it. On XXXX XXXX 2016 a letter was sent via USPS stating they had received my inquiry and would respond within 30 days. I called them on XXXX XXXX 2016 they told me that they were still reviewing the information. On XXXX XXXX 2016 the amount for the property taxes was deducted from my escrow account, the amount was a second time on XXXX XXXX 2016. I contacted freedom XXXX XXXX 2016 they informed me the taxes have been paid twice, they could not tell me why they paid them twice and would not refund the money they erroneously removed from my escrow account. The taxes have not been paid to date in the treasurer has no record of correspondence from them.

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 2017-05-31
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
money was se nt to western union to  be picked up by this person Date of Order :  XXXX / XXXX /   2017  Amount Sent :  USD   XXXX  Receiver Name :  XXXX   XXXX  tracking number mtcnDate of Order (   XXXX   ) is :  XXXX  :  XXXX / XXXX / 2017  Amount Sent :  USD   XXXX  Receiver Name :  XXXX   XXXX  Status : Picked up Status : Picked up they gave me   XXXX    number which is  XXXX  when submitted to  western they say can not be found, dont know who to contact except western union

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XXXX monday, XXXX, 2020, i recieved a post cars from XXXX XXXX XXXX, stating No worries in renueing your membership with us we will just use the card we have on file to renew membership. I immediately tried callingthe locl XXXX XXXX to notify them that I did not sign any form giving them permossion to automatically deduct funds from my card. after not recieving an answer I went on looking for the corporate office number which was of no assistance. 
I spoke with a representative from Chase and was told to go on my Chase Mobile app  and file a compliant. I was unable to find the account services app on my mobile phone. 

I am XXXX years old and do not have overdraft protection because I chose not to. Chase overdrew my account to pay XXXX XXXX XXXX membership which i did not want. 
I've had two previous incidents with Chase regarding paying for services not authorized by me ; monies were refunded to my account once. 
On XX/XX/XXXX, I filed a compliant via email advising XXXX XXXX XXXX that I did not wish to renew my membership with them. I received a response saying the issue was being looked into and I would receive a response within 24 hours>

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would like the company to honor what I was told about a year ago XXXX,2016 I paid a debt and was specificity that as of XXXX 2016 it would be removed of my credit report here a year later! They are saying that it was only going to be placed on my credit report as settled. Even though i have reached out to them and explain what I was told I would like their phone records pulled because they refuse to honor what another employee as told me. 
I feel like this is hendering the process to have to plea my case to others when they can not stand behind what was told to me! I have note of the date paid and what I was told. Thank you for your help in timely manner. XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on 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 non-monetary relief
Consumer complaint received 2016-04-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing a debt which is not mine for months that is showing in my credit report as XXXX account number XXXX. I have written to XXXX several times at the address provided in the report, which is XXXX XXXX XXXX XXXX, CA XXXX. It turns out that this is an incorrect address for XXXX and has not been valid for years. This has cost months of delay in this process and Experian will no longer take a dispute for one reason or another. And I can not clear this up with the creditor since Experian does not list a vaild address, which I believe is the responsiblity of both Experian and the alleged creditor to have valid contact information listed under the FCRA.

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