BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-05
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had many issues with US Bank, but this is the icing on the cake. 
US Bank continues to charge fees and allow transactions that should not be authorized to go through on my account. I cant even begin to explain how many times I have had to call to complain about my accounts. Last month, an unauthorized transaction of XXXX went through on my account and a check to the XXXX was sent back ... they never refunded me for the NSF I was charged. Today, US Bank sent back a check that was cleared on my account tuesday. I explained to them that when I checked my balance on their MOBILE app, that my balance reflected as XXXX number and that after that check went through that there was still funds available. The rep told me me not to depend on the mobile app because it is not accurate ... which is contradictory information. The check showed as cleared on Tuesday XX/XX/2017 and there was a pending XXXX from XXXX. They sent back the check and cleared the XXXX hold which ended up being XXXX. I cant get anyone from US Bank to admit that this was there error and they charged me a fee today and will not refund it. I continue to have issues with all of my accounts as well ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31
Company: M&T BANK CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
M & T Bank did not notify me in writing of a delinquent mortgage or called which I was co-owner of. This end up on my credit report and I learned this by checking my credit scores.The original owner was my ex-wife which I was devorce for over 20 years. Now deceased. 

My question is, can I get this delinquency removed. from my account because they did not notify me. I assumed the mortgage and paid the outstanding payments and penalties. But my score went from XXXX to low XXXX. 

I called them 3 months ago after finding this on my free credit 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 2023-02-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from an agency called XXXX XXXX XXXX XXXX asking me to pay for an account I had with XXXX XXXX Bank with XXXX. I've never dealt with such a bank. I called XXXX after multiple research they couldn't find any account under my name. I tried to dispute it with the agency, with no success, I tried contacting the bank, and every time I called they asked to leave a message for the Fraud department to call me back but never received a callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-04-04
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:
Equifax has failed to comply with 15 USC 1681c. I never gave authorization, to any consumer reporting agency to make any consumer report containing any of the following items of information, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 USC 1681c ( 4 ) and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years pursuant to 15 USC 1681c ( 5 ). Equifax is furnishing accounts to my consumer report that is a violation of this section. Equifax has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ), they are reporting accounts that are inaccurate. There are accounts reporting to my consumer report which are furnished as credit card and auto loan accounts but this information is incorrect based off of the bureau definitions. Equifax has failed to comply with 15 USC 1681a ( 2 ) and is liable pursuant to 15 USC 1681n. The consumer report does not include : any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) they have furnished reports containing information which is supposed to be excluded from all consumer reports this is a violation of this section. Equifax has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never gave consent or authorization to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX : Retail Store Card for activity duty and retired service members and there family. I Got behind on my XXXX XXXX and was unable to catch up my payments when I started working for XXXX  XXXX XXXX XXXX  XXXX  contacted my job and started taking money from my pay a different amount each time depending on what I make every two weeks I contacted this collection agency and try to set up a payment plan and they would not work with me they wanted all are nothing. I tried reaching out to them again to settle the debit with the original amount of the credit card which was XXXX I told them I could settle the debit in two schedule bank drafts payment and was willing to give them my bank information and two dates that were within 30 days to draft the payments. The collection agency told me to call back when I have all of the XXXX to pay on the same day. The collection company is charging me high interest fees and collection fees every month only about 1/3 of the monies they are taking from my pay is going towards paying off the debit. The original credit amount was XXXX and now with all the interest and collection fees I owe over XXXX dollars so far the collection agency has garish XXXX from my paychecks and not even half has been put towards the debit just paying collection fees and interest the debit is steady going up and not down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went into a consumer credit transaction with this company meaning that this company used my credit card ( 15 USC 1602 ). By this company using my credit card means I extended them credit making me the original creditor and was supposed to be charged just the finance charge. Some reason this company has sold this account and have another company with my personal information send me mail saying that I am in debt with them. I have been attempting to resolve this issue with this company any the consumer reporting agencies but that hasn't worked either, they are continuing to report this debt to agency that I don't owe. It is ruining my reputation and putting me and my family in a financial hardship I have sent a letter to them and told them to cease all communication with me about this debt and clear the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to file a complaint against the original creditor Walmart Mastercard/XXXX  ( XXXX ) and Capital Credit Card. The reason I am filing this complaint is that the bank closed my account without notice. In XXXX Capital One bought XXXX. Before this occurred, Walmart Sync decided to cut my credit limit from {$8000.00} to just above the balance due. 

In XXXX of XXXX, I sent a payment to XXXX for the minimum amount due. Accordingly, I mailed the minimum payment to XXXX before the due date ; however, XXXX deposited the check 1-day after the due date. Notwithstanding, I asked XXXX Customer Service if they could waive the late fee for that month. XXXX Customer Service agreed to waive the late fee with a confirmation receipt submitted via chat. The following month I received my usual monthly statement from XXXX. I expected to see the late fee removed, even though XXXX confirmed this request was approved via chat. I contacted the XXXX Customer Service Department to discuss the possible oversight. I asked about the minimum payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with claimed there is no set amount for the minimum payment each month. I did finally receive a statement for that month showing an amount past due and its delinquency. The minimum amount should not exceed 3 % of the total amount for the principal. 

On XX/XX/XXXX, I was notified by XXXX that they were going to decrease my credit limit, because they received a late payment that was processed 1-day after the due date. Contrary to the fact XXXX confirmed approval for waiving the late payment. I disputed this action with XXXX and Capital One, in addition to all 3 credit reporting bureaus. However, all three credit reporting agencies declined to remove the inaccurate information. 

In XX/XX/XXXX, I received a notification via mail Capital One decided to buy XXXX. I continued submitting minimum monthly payments. On XX/XX/XXXX, I finally gained access to Capital Ones online account management portal and learned that the account was restricted, closed and no new cards would be reissued.

I would like for you to correct the amount on my credit report that shows 3 late occurrences. This is incorrect for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please correct and reopen my credit lines to {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
inquiries that i didnt initiate are on my report and TU is n't removing and stated i need to refer to creditors. i have and was referred back to them and told that it stays for 2yrs. it should be deleted as other bureaus have done. If i never called these creditors and asked for the inquiries i shouldnt have to call and go back and forth between companies for a removal. TU has sent me back and forth needlessly. my dispute should n't have to take all year to complete nor even a week.

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 2022-05-13
Company: Navient Solutions, LLC.
State: PA
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 loans were reported on XX/XX/2022 as XXXX late. My loans were on a {$0.00} repayment plan, and student loan payments are pauses until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 a hard inquiry from capital one back from 2022. The account was removed from my credit report but for some reason the hard inquiry remains. I need this hard inquiry removed asap. From capital one to all 3 major credit reports. The account was opened fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: MOHELA
State: DE
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:
So I sent a letter on XX/XX/XXXX to remove personal information from my consumer report. According to the fair credit reporting act 12 USC 1681 ( read a then b ) I have the right to privacy. Also according to 15 USC 6802 ( b ) ( c ) No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights and you are causing harm to man

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Velocity Portfolio Group
State: NV
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:
My data may have been breached and the following accounts are not mine : {$11000.00} XXXX XXXX XXXX, L ( orig. creditor 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 explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts please investigate the unverifiable accounts : XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00}

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 explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi Someone had used my bank information to login to my credit reports within the last three days and they used my debit cards as well. 

I have received these notices and the charges to my cards since last Friday. Not sure who or how these has been happening. 
I have never requested or access the reports recently or paid to process the reports, not last month. 

" Your payment failed to process Dear XXXX, We were unable to process your last payment. Another attempt will be made to charge your payment method on file. If payment is unable to be collected it will eventually result in your product being cancelled. 

To update your payment information, click here or navigate to the billing tab under 'My Account ' in your member center. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX For help or support, contact the Customer Care team at XXXX. Customer Care is available between XXXXXXXX XXXX and XXXX XXXX ET, Mon-Fri ; XXXX XXXX and XXXXXXXX XXXX ET, Sat-Sun.

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 2022-05-13
Company: CREDIT ACCEPTANCE CORPORATION
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: Was not notified of investigation status or results

Complaint:
I've sent in dispute letters requesting the company verify and validate information appearing on my Consumer Report. My consumer report is reporting erroneous information. Which is hindering me from obtaining higher credit limits obtaining higher credit limits and it's also showing me as a risk.

In accordance with the Fair Credit Reporting act, this company has violated my rights according to the following :

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-01-26
Company: EQUIFAX, INC.
State: TN
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:
Over 45 days ago on XX/XX/2022, I sent letters to Equifax, XXXX, and XXXX informing them that I needed the method of how some inaccurate accounts were " verified ''. I have yet to receive a response and I feel this matter is not being handle properly. I feel as if I am being taken as a joke. No response in this amount of time should result in automatic deletion according to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: National Credit Systems,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:
National credit systems is inaccurately reporting a collection amount on my report to all 3 credit bureaus. I moved out of an apartment in 2020 due to the loss of my job due to XXXX I was told by the apartment complex that I can pay or quit and if I move out I can pay the lease termination fee. I moved out and provided my forwarding address to make payments. I was never sent any information to make a payment and when ever I called the office to pay, they told me they couldn't speak with me and I would get something in the mail. I never received anything and they reported the payment due on report without any notice or attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
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:
I've been disputing inaccurate accounts with Experian for the past 6 months via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, is recorded in negligence and needs to be removed. I've been disputing this XXXX XXXX account for 6 months now each bureau has a different record date of last activity XXXX  Date of Last Activity reports XX/XX/XXXX, Experian date of last activity reports XX/XX/XXXX, and XXXX  XX/XX/XXXX, XXXX XXXX account is a re- aged account and still reports a payment pattern to XX/XX/XXXX which leaves Experian , in violation thereof ... ..Experian records both XXXX XXXX accounts inaccurate, I've been disputing these XXXX XXXX accounts for 6 months now with Experian, these accounts Re-Aged when this collection agency opened this account, this account duplicate account XXXX  reported by XXXX  reports its Date ofLast Activity XX/XX/XXXX on one account and and XX/XX/XXXX on the other account. This is inaccurate reporting. Experian remains in non-compliance. Both XXXX XXXX accounts needs to be deleted from my credit file. Moreover this account public information still records erroneously and needs to be removed.

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