BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage was sold to XXXX mortgage in XXXX who in the first year did not put the right amount for my escrow and at the end of XXXX, I was told I am over 5k short and I need to make up my payments. I had to take a loan from a friend to match correctly their Issue. 

XXXX XXXX added an enforced insurance policy on my mortgage changing my payments & asking me to make payments for not having insurance when my insurance agent & had uploaded/ faxed & posted the proof of insurance documents. 
Then they started charging me late fees because the forbearance had ended. I showed them again that I have never missed a payment but the forbearance was being used as a safety precaution because my business was suffering due to covid, but I had never missed any payments, But I have always made XXXX payments a month. XXXX & XXXX on autopay since those were the days I got paid. 
Then again they did not escrow my account correctly and creating me to make a larger payment at the end of the month. 


Now XXXX It has been 5 months I have been trying to get my mortgage company to correct posting XXXX lates on my account when I have my account set up on auto-pay as I stated on the XXXX & XXXX. They have posted XXXX late on my credit report for XXXX & XX/XX/XXXX. I have provided them the proof that my account is set up on auto-pay every XXXX weeks. I have sent them the proof from my bank validating my statement & I have matched the payments against my mortgage payment history in their portal which is also showing every month I make XXXX payments that are received by them for that calendar month. I am being told by agents that my lates are because I make XXXX payments and the second payment gets to them a few days after the XXXX so I am late! If I want to keep making XXXX payments a month I should apply for Mortgage assistance to not be considered late. I also did loose my job in XX/XX/XXXX due to COVID and I did get a great job offer with a financial institution and they saw that I have this comment on my credit report and they would like something from the mortgage company stating its a mistake or an error which they won't. They finally sent me a generic reply where they state they decline my request and the reason is according to Fair credit reporting all payments must be received before the end of the month, which means they have to remove it but they haven't. 
I have tried every way to get them to correct this before I made this complaint. I just don't know what else to do. I have seen over 100 reviews on XXXX from other customers complaining about the same thing! I did not choose them as a lender & I am stuck with a company that is running my credit & jeopardized my employment.

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 2022-07-12
Company: Experian Information Solutions Inc.
State: NY
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:
The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : RETIRED XXXX Date Updated : XX/XX/XXXX RETIREDXXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : SELF EMPLOYED Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : 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

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 2017-10-14
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
deposited a valid check for the amount of {$3000.00}. i was told by XXXX XXXX who issued the check that Regions Bank improperly processed the check and treated the check as a cash advance, rather than a check. however, the check was written pay to the order of Regions Bank ; and therefore, it should have been processed as a regular check, as a cash advance could only be given if i cashed the check at the Regions Bank branch with the check made out to me or to " cash ''. this was not the case. Regions improperly returned the check to XXXX without crediting the funds of {$3000.00} to my account, as they should have, thereby causing me injury, damages, damages to my reputation and relationship with third parties who were consequently affected by Regions ' malfeasance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
AMEX research results are not consistent with true transaction history with XXXX. AMEX might have technical issues with XXXX in issuing XXXX cash to the customer account. I have been holding the personal platinum credit card for a very long time. In the past, I have no issue in using the XXXX credit from AMEX because I always enrolling my personal amex card with AMEX. Starting from XX/XX/XXXX, things went wrong. The AMEX XXXX  cash {$15.00} can not be applied. In XX/XX/XXXX, AMEX reverse the issued XXXX cash of {$35.00}. I delinked the card and enrolled again in XX/XX/XXXX. It doesn't help. I haven't received XXXX cash for XXXX and XXXX XXXX XX/XX/XXXX, I tried again to delinked the personal platinum card and re-enrolled it gain. Same issue. I have all transaction documents from XXXX cash account. AMEX is welcomed to contact you for the transaction history. AMEX owe me the XXXX cash of {$80.00}. I ended up paying that out of pocket. I would like to request of XXXX Membership points as goodwill gesture.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
WELLSFARGO IS WORST BANK! HAVE BEEN SUBMITTING PAPERWORK SINCE XXXX STARTED A NEW BUSINESS, SEE LETTER, CHILD SUPPORT PULLED FROM WEBSITE XXXX! CALLED TODAY AND STILL NEED INFORMATION! HAVE MY COUSIN HELPING AND STILL CAN NOT GET ANYTHING DONE! THIS IS PLAIN " HARRASMANET, DISCRIMINATION AND FRAUDULENT BANK '' WORST EVER! ONLY OWE {$70000.00} HOUSE WORTH {$350000.00} SO KNOW WELLSFARGO WANT TO SELL IT! NEED TO PUT IN FEDERAL COURT IS NEXT STEP AND GO PUBLIC! SAME PAPERWORK ALWAYS FAXING AND THE SAME ISSUE! WORST CORRUPT BANK! AND ASKING FOR TAX RETURNS TOLD CORRUPT WELLSFARGO WAS TERMINATED FROM A XXXX XXXX XXXX XXXX WILL BE NO TAXES AND IF HAD INCOME DO NOT NEED TO FILE IF UNDER IRS THRESHOLD! IVE SEND " LETTER OF EXPLANATIONS '' AGAIN ITS IS HARRASMENT AND DISCRIMINATION!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several unauthorized inquiries on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I have found several inquiries that I did not authorize, and I believe they may be fraudulent. 

As per the FCRA, I have the right to request that any inaccurate or unauthorized information be removed from my credit report. Therefore, I am requesting that the following inquiries be removed from my report immediately : XXXX XXXX : Date of inquiry : XX/XX/XXXX EQUIFAX XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX As I have no record of authorizing these inquiries, I believe that they may be fraudulent. I am therefore requesting that these inquiries be removed from my credit report as soon as possible, as per my rights under the FCRA. 

I would appreciate it if you could investigate these inquiries and take appropriate action to remove them from my credit report, in accordance with the FCRA. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA
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:
The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : OneMain - XX/XX/XXXX Springleaf - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX One Main - XX/XX/XXXX Spring leaf - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/XXXX, Chase placed a block on my checking account. This was not only inconvenient, as it left me without access to my funds, but it cost me {$15.00} out of pocket because I was in the middle of fueling up my vehicle with a {$1.00} per gallon discount. I was unable to fill up the last XXXX gallons and lost the discount. I called Chase twice, since they hung up on me after the first time. They were unable to advise me why they blocked my account. I asked for a supervisor to explain why the block occurred and was promised a call back within 24/48 hours. The called me back a week later to " apologize for the inconvenience ''. I asked the supervisor why the block happened and the sup told me that not only did she not know, but that she would have to forward my request to yet another department to get an answer and could n't give me a timeline for when it would be resolved. C'mon Chase, not only were you not honest when promising me a timely call back, but you did n't even resolve the issue when you did call me back. In addition, when I called on XX/XX/XXXX I was asked for my name, my address, my phone number, SSN, my debit card number, the expiration on the debit card, the 3 digit code AND the pin number. I gave all this to you willingly to verify my identity. Yet, even with all this information you FORCED me to use an automated system to " verify my identity ''. I advised the phone rep that it was absurd to have me provide the exact same information to an automated system, especially given all extensive list of sensitive information I already provided. They did n't care, so just to get through the XXXX with your company, I provided it..again. Your customer service is absolutely terrible, you do not uphold your commitments, your own employees have no idea how to explain why your processes do what they do, and you cost me money, time, and embarrassment when you declined me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: LEXISNEXIS
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:
This is not an error and I'm writing this complaint on my own behalf. On XX/XX/21 I sent dispute letter to Lexis Nexis regarding some incorrect information being reported on my consumer report. I have proof of receipt attached below. Guess what To this date I have NOT received any response to my complaint and as a Military Veteran who fought for my country to have to continuously fight for what in right in my OWN country is adsurd!!! This is not only adding to my XXXX I suffer from but also keeping me from being able to refinance my home. This is too got XXXX XXXXXXXX for something that should not even be an issue there is no reason that a company should not respond!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX, XXXX, & XXXX of XXXX the beneficiary/living woman XXXX XXXX XXXX XXXX has sent multiple negotiable instruments monthly to Citibank Card Services to settle the full balance and to reopen my credit card account of the created debt and have never received a reply, which was required, neither received any of the instruments back which means that the account is satisfied in full per UCC 3-603. 

In XX/XX/2022 I also sent an affidavit to Citibank Card Services in which it was not rebutted point-by-point as they never responded. 

With my XX/XX/2022 remittance coupon, I've sent a notice to Citibank Card Services informing them that according to USC 1693o-1 Remittance transfer, the purpose of this law is to accept my remittance slip as payment for this XXXX bill statment. According to 12 CFR 1026a Billing Error Resolution, by law, creditors ( Citibank Card Services ) can not pursue adverse action against me ( by shutting off and or closing the credit card account ) 15 US Code 1666 correction billing errors. I also informed them that failure to comply by not accepting my payment will result in further legal action. 

Citibank Card Services has rejected my remittance coupons for XXXX, XXXX and XXXX which is fraud and discrimination leaving my account with a balance of {$4400.00}, which was already paid in full. Citibank Card Services has also failed to uphold their relationship as the trustee to the trust and have not acted in the best interest of the beneficiary ( me ) which is considered fraud and discrimination. 

Citibank Card Services also refused to accept my Negotiable Instruments as payment but never returned any of the XXXX negotiable instruments sent via certified mail, therefore, that is acceptance for value per UCC 3-603. The payments have been made in full three times and they have refused to place a {$0.00} balance on the ledger paid by the XXXX and reopen my account as active. Lastly, since they fall under the UCC laws and accept Federal Reserve Notes, Checks and Money Orders, they also are supposed to accept my Remittance Coupon as an instrument of payment too according to UCC 3-603.

Citibank Card Services has committed fraud and discrimination against me multiple times and has also closed my credit card account and reported false information on my credit report to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: GA
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:
XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THIS FRAUDULENT ACCOUNT : XXXX XXXX XXXX  I XXXX ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
IC Systems collection agency has been harassing multiple family members ( including my brother, and elderly father ) on many occasions. On one occasion my father was with me and passed me the phone, i explained to the gentlemen on the phone that the number he is calling is not mine and my fathers and to stop calling it and he hung up on me. I called again, and spoke to a women who said they would take my fathers number off file. They still call my father almost everyday. Harassing an elderly man for no reason, demanding him to put me on the phone to speak with them. I have also on more then one occasion told this company not to call me anymore or send letters, since they wished not to settle an amount with me. I explained if they didn't wish to settle then there is no reason to keep calling me. They send letters to my house every single week. It absolutely insane. I called once from my work phone to speak to someone about settling and now they call my work phone! So unprofessional, this is beyond the point of harassment.

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 2015-06-15
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Approximation a year and 1/2 ago I was searching for a part time job over the internet to supplement my full time job to help my children pay for college. I was offered a position but it unfortunately was a fraudulent scheme. Unknowing that it was fraud, I took the check that they sent me and opened an account with Well Fargo and deposited the check. No money was withdrawn. Upon the check not clearing, Wells Fargo then closed the account which I completely understood. Well Fargo said that this incident will not remain on my record and encouraged me to open an account with them in the not too distant future. 
A XXXX has since transpired. Because of financial difficulties, I decided to take a lone out from my XXXX. The XXXX management firm sent me check as a lone in the amount of XXXX dollars. I then took that check to Well Fargo to open an account and deposit it. I explained to Wells Fargo of the fraud incident that occurred a year and 1/2 ago. They expressed that it was not a problem, opened an account and presented me with a debit card which I successfully used the next day. When I went to use the debit card the following day, I was informed it was no longer active. So I immediately when to Well Fargo to understand what happened. Well Fargo told me that due to the fraud that happened XXXX ago, they were putting my check on hold until XXXX XXXX ( approximately two weeks ) at which time the funds would then be available. Please keep in mind that these funds were needed to pay normal household bills. During this time I spoke to the Well Fargo branch staff as well as numerous toll-free numbers that the bank offers. These efforts to resolve were all unsuccessful. So, I made agreements to be able to survive financially until XXXX XXXX. On XXXX XXXX I went back to Wells Fargo to make sure that the " hold '' on my account was lifted. It was then that I was told that the hold was not lifted, and the account is being closed. A check would be mailed to me and would take 5-7 business days to arrive. Again I spoke to bank staff, called toll-free numbers and I also attempted to write Wells Fargo an email ( their web-site would not accept the email request since my account was on hold ). 
In my opinion, if Wells Fargo was going to freeze my account, then this should have been told to me up front and I would have made different arrangements. Secondly, they were incorrect when they said the funds would be available on XXXX XXXX. They instead held the funds for two weeks and then said they were sending me a check through the mail. I asked them if I could get the funds wired if I paid the fee. They again declined to do this. Finally, I believe it was unethical for Well Fargo to accept my money to then make it inaccessible to me for over XXXX weeks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX   XXXX   XXXX  sent a letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.

Company response to consumer: Closed with explanation