BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated or removed as soon as possible. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
Improper Use of my credit report, In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right by placing unauthorized inquiries on my reports. below are the following inquiries XXXX  Of XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX Cred XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX bank ) XX/XX/XXXX 202

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
{$65.00} DEBT WITH TRANS WORLD SYSTEM/XXXX BY CHECKING ACCOUNT - XXXX XXXX XXXX 
PAID IN FULL XX/XX/11 .. CALLED TWICE .. TRANS WORLD SYSTEMS REFUSES TO PROVIDE ME WITH A RECEIPT AND KEEPS TELLING ME I NEED TO WAIT I NEED TO WAIT, BUT THEIR SYSTEMS TELL ME THAT IVE ALREADY PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report with Equifax. checking all data this has been an reoccurring issue. please review an check all info that needs t be deleted. all data is in the files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Want to file a CFPB complaint against Chase Bank Credit Card Services for misleading, confusing, and unexplained interest rate increases that dates all the way back when I open my credit card account on around XX/XX/XXXX. I also, reach out to Chase Credit Card Services numerous of times between XXXX and XXXX to try get assistance for forbearance or secured credit card insurance plan due to my annual income being cut in half but was given the runaround and Chase Credit Card Services was not able to assist me properly at getting a forbearance or secured credit card insurance plan. So therefore, I tried one final attempt to reach out to Chase Bank Credit Card Services around XX/XX/XXXX for assistance at getting a forbearance or secured credit card insurance plan but again was given the runaround again. So then I was forced by Chase Bank Credit Card Services to file XXXX XXXX  Bankruptcy with XXXX  Attorney of XXXX Texas because Chase Bank Credit Card Services didnt properly assist me at getting a forbearance or secured credit insurance plan. So therefore, I feel Chase Bank Credit Card Services should refund me half my attorney fees and XXXX XXXX Bankruptcy fees which is around {$40000.00} to {$45000.00} dollars that dates all the back to XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Harris & Harris, Ltd.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Virginia Department of Taxation nor Harrison Harris attempted to contact me at my correct address. I never received any certified mail or any communication from them whatsoever. Harrison Harris wants me to pay 60 % of my total balance of {$25000.00} ow to the Virginia Department of Taxation with no guarantee that my name will be removed from the offset program which is garnishing 100 % of my wages. I then will have no means to make a monthly payment on the remaining balance. I currently have no income and which is not subject to offset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: SIERRA PACIFIC MORTGAGE
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company is Sierra Pacific. The servicing company is XXXX. 

XX/XX/2023... monthly mortgage payment increase from {$930.00} to {$960.00}. 

XX/XX/2023... I was able to reach customer service at XXXX who blamed the increase on my insurance company. Contacted XXXX XXXX insurance company and together determined the insurance rate increase only accounted for {$43.00} yearly. ( {$3.00} mo ) I then contacted XXXX XXXX rep XXXX XXXX who provided me with escrow analysis. It showed a " shortage adjustment '' of {$660.00}! XXXX put me in touch with another XXXX rep who explained that this charge was due to the escrow being paid in a different month than before. His solution to return my mortgage payment to where it was before was either pay the additional XXXX, or just wait 2 years and it will be paid. Unacceptable. I did my part paying the mortgage on time every month, someone over there made the error. What is to prevent another " shortage adjustment '' later on? 

XX/XX/XXXX ... Contacted XXXX XXXX at Sierra Pacific expressing my dissatisfaction. He emailed back saying that XXXX would have someone else contact me. More waiting. 

XX/XX/XXXX... No contact from XXXX, emailed XXXX XXXX again. 
XX/XX/XXXX ... No XXXX agent has contacted me to date. No follow up from Sierra Pacific.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a new construction property in Florida that is part of a Community Development District with a 30-year bond payment and O & M fees that are billed annually on my tax bill. While these fees were disclosed to me at contract and included on the first Loan Disclosure, there was a mistake made on later disclosures which reduced the total CDD amount from {$2500.00} to {$230.00} per year in the escrow estimate. The final loan disclosure at closing also had this error. I used this information from the loan disclosures to budget my annual mortgage payment and then made a decision to change from a 30-year term to a 15-year term. Once my first tax bill was sent at the end of XXXX, I realized that the CDD fee is a separate amount, above and beyond the property tax which was not properly explained or disclosed in any of my closing documents. In fact, the mistake is captured on an Unimproved Tax Disclosure which was signed at closing. The end result is my escrow account was short {$9800.00}. The mortgage company did notify me to send an extra {$410.00} per month to account for the difference in taxes assessed at closing on raw land vs what would be billed in XXXX on the improved land. This equals {$4900.00}. Because my escrow was in further shortage, I sent {$6700.00} to escrow in XX/XX/XXXX. But my escrow is still short plus required reserves resulting in my mortgage payment increasing by nearly {$800.00} per month in XXXX. I believe my mortgage in XXXX and beyond will be well above what was disclosed on the final loan closure due to this CDD error which DHI Mortgage has admitted making. The mortgage company has agreed to compensate me for just over {$2000.00} which represents 14 months of what they calculate the CDD error to include. I believe their mistake impacts me for the 30 years of the bond payment. Even after closing this mistake continued with an email in XX/XX/XXXX which is attached. Lastly, my loan was sold from DHI Mortgage to XXXX XXXX lending effective XX/XX/XXXX. To my escrow shortage is being paid to this lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a cashiers check for {$15000.00} into my Wells Fargo checking account on XX/XX/23. At the time of deposit, the teller called XXXX ( the institution that issued the cashiers check ) I was told that it was above their limit of {$5500.00} so they would have to put a 24 hour hold on it, and that after 24 hours ( on XX/XX/23 ) {$5500.00} would be released, and the remainder would be released around 4 days later ( on XX/XX/23 ). 

On XX/XX/23 I went in to make a small withdrawal and they said that the deposit was now on hold until XX/XX/23. They said they didn't have a reason other than that I needed to contact the bank who issued the cashiers check. 

I contacted the issuing bank and they confirmed there was no issue on their end, and the funds had been sent to WF.

WF refuses to release the funds and their only explanation ( that there is a problem on the side of the issuing bank ) is demonstrably false.

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 2023-04-26
Company: Frontline Asset Strategies, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX created an account ( XXXX ) for me and started charging me without sending any sim card or providing me any services ( between XXXX XXXX XX/XX/XXXX ), every time I called their contact center they agreed that I should not have been charged because they never offered me any services. And 4 times then promised me that right team ( at the back-office ) will waive off the due amount. But it was never addressed. I have escalation ticket - XXXX XXXX for my last conversation. 

In Spite of all the commitment I am now getting calls from collection agency called Frontline asset strategies ( with account XXXX ) asking me to pay the debt and they are refusing to come on a conference call with XXXX XXXX. 

Request you to please help me with this malpractice from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Western Union " has '' a " rewards '' program. The problem is they don't let you redeem your rewards. Either the screens in that area of their website freeze, or they let you check off which reward you want, and say it will be automatically credited to your next transaction, and then they simple do not do that. It works less than XXXX percent of the time in my experience. 
They reason, I suppose, that if it takes the customer a half hour plus to claim a {$5.00} reward that they simply won't bother. There is no reason they can't simply have the rewards program partially integrated into their regular screens, for example " You have qualified for a {$2.00} transaction credit, would you like to use it now, or would like to pay the regular transaction fee and continue to accrue points toward a larger/different reward? '' For example, XXXX well integrates the claiming of rewards when you use their branded credit card, letting you know how much of a reward you have earned and letting you use a simple checkoff box to apply it to any current purchase. 
This morning after waiting a few minutes with " MY WU '' screen symbol continuing to rotate when I tried to log in to the rewards page ( after being logging in to Western Union anyway ), I logged off and on again, and then selected a {$5.00} reward which it then said would be AUTOMATICALLY credited to my next transaction. However, when I then entered my transaction, I got no credit. Usually I stop trying after a few minutes of the screen symbol rotating ( seems more prevalent on XXXX than XXXX ) so I don't usually get as far as them saying they will apply a reward. This was the first time in a while that I was actually able to claim a reward ( maybe five attempts last time and today which all failed by their screen stopping processing ), and then they simply didn't follow through as the screen said, and did not credit it to my next ( immediately therafter ) transaction. Assuming this happens to thousands of people ( not just me, but all active account holders ) each day, they are pocketing thousands of extra consumer dollars a day, maybe into the millions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 checked my credit report and saw inquiries I did not recognize contacted the bureaus created a fraud alert and made a ftc complaint the inquiries do not belong to me the companies of the inquiries : TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion is Reporting Information that is Detrimental to my Livelihood on my Credit Report I have asked for Proof and have not received that information as of this date. 
This matter will cost me dearly if not corrected. 
I have been charged with enquiries ; I want to know how when. 
1. There should be a Freeze on my Report 2. The company all have not records of summiting applications I need this to be investigated as my score was dropped when I was in the Home buying 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 non-monetary relief
Consumer complaint received 2023-04-26
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On or about XX/XX/2023, I submitted an application to Barclays for a XXXX XXXX XXXX and it was assigned application number XXXX. By letter dated XX/XX/2023, I received a letter stating that Barclays was unable to approve me for a XXXX XXXX credit card account because " Our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' The letter further stated that " A credit bureau report was not used in making this determination. '' I have never had any previous credit card account with Barclays that experienced " charge-off, bankruptcy, severe delinquency, or other negative performance. '' The denial of the application for a XXXX XXXX XXXX was apparently a direct result of a prohibited act under the Federal Equal Credit Opportunity Act that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, XXXX, marital status and/or age. There were no other basis that would have justified the denial of the 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 2023-04-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DEPTEDXXXX 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 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 XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
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 checked my credit report and saw inquiries I did not recognize contacted the bureaus created a fraud alert and made a ftc complaint the inquiries do not belong to me the companies of the 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 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 EQUIFAX INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents 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 2023-04-26
Company: EQUIFAX, 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: 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. 

Account name : XXXX XXXX XXXX  and Account name : 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 response to consumer: Closed with explanation