BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Hi. I was a victim of an armed robbery and assault on XX/XX/XXXX. The incident followed a series of fraud in using my credit cards and accounts, including my US Bank cards. I received a text notification the same day ( screenshot attached ) of a fraud attempt. A police report has been filed and a detective was assigned. The case has since been closed despite my efforts compiling information, so I am trying to reopen then case with your assistance in gathering additional transactional information. A few days after the incident, I had called US Bank and was able to gather the following information on a transaction from one of my cards : XXXX XXXX XXXX XXXX, Merchant Number : XXXX. The detective was able to get in contact with the vendor to review camera footage, but not much has come out of that. I did email the fraud team ( XXXX ) this XXXX XXXX, XXXX regarding a request for additional information, but have not received a response since. In a related complaint with another credit card company, I also received a text notification and requested transaction information. In doing that, I was able to uncover a number of additional transactions that did not appear on my statements. So, I am hoping I can request all credit card transactions from XX/XX/XXXX and shortly after, especially if there were transactions that did not appear on my statements. I've also included an FTC report with information on the person who was with me. The listed address in that document matched a transaction on my other credit card transaction report, so this information is likely to reappear should US Bank have additional transactional information.

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 2022-07-10
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On a previous complaint XXXX and Pentagon Federal Credit Union ( PENFED ) Response on XXXX XX/XX/XXXX relating to my VA Mortgage Application # XXXX which totally disagree with their response and filing a new complaint. 

PENFED states in their response they received my full executed real estate purchase contract dated XXXX XX/XX/XXXX not until XXXX XX/XX/XXXX. Moreover, PENFED delay in failure to in communication with customer ( XXXX XXXX ) who I honestly and truly believe they were derelict in their due diligence in processing my online loan application and income documentation to validate my application in a timely manner. Thus, directly and indirectly due to their processing time that led me of losing {$8000.00} which consisted of my down payment/ earnest money and due diligence on a real estate contract. 

Timely communication and due diligence from initial pre-approval letter, and the time it taken them to validate income with their online application taken over 10+ days which I believe is not consistent with industry standards before they notified the customers. 

On or about XXXX XX/XX/XXXX : Initial Application Submitted with Income Documents On or about XXXX XX/XX/XXXX : Customer Received Pre-Approval XXXX XX/XX/XXXX : XXXX XXXX ( Customer ) sent email to Loan Officer - Checking In on the process and how things are going ; also stating I made phone call without any return phone response XXXX XX/XX/XXXX : Email communication requesting additional documentation Again, I XXXX XXXX ( Customer ), was not notified until 7+ days after XXXX XX/XX/XXXX of them ( PENFED ) informing me any issues and concerns of my online application and income documentation - which I honestly and truly believe their decision regarding my debt-to-income ratio within 7 days upon my application. PENFED as a major financial institution timely communication failure, neglect, and their failure in due-diligence led to me forfeiting my down payment and due-diligence funds totally {$8000.00} and sign of inefficient corporate failure.

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 2020-08-31
Company: Byrider Franchising, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: MO
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Reporting Agencies look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 

XXXX XXXX Balance Owed : {$0.00} The fact that you are still listing this account as being past due despite the fact that it has been paid in full and has no outstanding amount is a blatant violation of the Fair Credit Reporting Act. I never missed a payment on this account. My records indicate that I never missed a payment on this account, which was paid as agreed. I need you to please either entirely erase the disputed account from this account 's payment history or take care of the late payments. 

XXXX XXXX  XXXX XXXX XXXX : {$1.00}, XXXX You have done nothing despite my repeated attempts to dispute this account and get the payment history updated. I never made late payments for this account, hence the late payments that are shown in the payment history of the account are false. Please update the payment history as soon as you can by deleting the recorded late payments. 

XXXX  XXXX XXXX Balance Owed : {$1100.00} This statement was never late and never will be. I've tried to ask you to alter the payment history since you are putting false and inaccurate information about me on my credit record. I ask that you stop reporting late payments on this account and only provide truthful information going forward. The FCRA requires proper credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Creditor - XXXX XXXX  XXXX XXXX - National Credit Adjusters Account Opened - XX/XX/XXXX Balance - {$1800.00} I noticed that this account entered collections onto my credit report and sent them a validation letter requesting the following on XX/XX/XXXX. On XX/XX/XXXX, I submitted a request for validation of debt in Complaint ID XXXX. 

My request to validate the debt has not been responded to in full, as the following haven't been provided : - Provide evidence the Statute of Limitations has not expired on this account ; - Show me that your company is licensed to collect in my state ; and - Provide me with your license numbers and are a Registered Agent. As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: NJ
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 creditor XXXX XXXX XXXX XXXX is furnishing FALSE credit information to a third party ( TRANSUNION ) to bring harm to MY consumer credit reputation aka defaming MY character. The consumer reporting agency TRANSUNION is negligent in their duty to investigate this disputed information for XXXX XXXX XXXX XXXX opened XXXX XXXX for {$1100.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Is this a debt or an extension of credit? 
Is this an extortionate extension of credit? 
Can you provide me with a Bill of Assignment? 
Can you provide me with a Chain of Title? 
Has insurance been filed for this account? 
Has a 1099-c been filed for this account? 
Provide your Errors and Omissions insurance This is a notice to CEASE AND DESIST all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as disclosing or obtaining information of a customer by false or fraudulent pretenses constitutes a violation of the Gramm Leach Bliley and aggravated identity theft 18 U.S. Code 1028A. Pursuant to 15 U.S. code 1666B it is impossible to be late on an extension of credit. TRANSUNION is furnishing late payments on an extension of credit on behalf of XXXX XXXX XXXX XXXX. If a consumer is late on an extension of credit ( that ) is no longer an extension of credit. It is instead defined as an extortionate extension of credit 18 U.S. Code 891. Extortionate extensions of credit fall under RACKETEERING activity 18 U.S. Code 1961. If this account is not removed from my consumer report immediately I will be including TRANSUNION in a XXXX along with 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 2023-09-18
Company: LEXISNEXIS
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
1st I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2023-09-18
Company: COAST PROFESSIONAL INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Coast Professional, I recently received a communication from your company stating that I owe {$620.00} to the IRS. When I contacted the IRS to verify this debt, they confirmed they had received my tax payment but could not verify the additional amount owed. 

I was never provided any information from the IRS or your company about this additional debt amount or given an opportunity to verify and validate it. Under the Fair Debt Collection Practices Act, I have the right to receive information about the origin and validity of this debt. 

Please provide me with a detailed breakdown of what this debt is for, including the dates and nature of the debt. I would like to resolve this, but need more information first. Please send me written documentation validating this debt within 30 days as required by law. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Voss & Klein, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX XXXX sent a collection for an account that had been canceled to Voss and Klein. On XX/XX/XXXX I have an email from XXXX XXXX the sales rep for XXXX XXXXXXXX XXXX  verifing the contract had been canceled due to XXXX XXXX XXXX which the contract was with was sold XXXX XXXX email below From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject XXXX XXXX XXXX XXXXn Hello XXXX It was good talking to you again today. We appreciate your business at XXXX and thank you for your sponsorship of the XXXXXXXX XXXX XXXX. 

Here is our media kit and a recent study on the program which you can submit for the new company to review and consider for continuation of your sponsorship at XXXX in XXXX. These spaces ARE limited to only one sponsor and they fill up fast whenever there is a vacancy. 

Please have your marketing team reach out to me and let me know as soon as possible of any interest in continuing with the program so that we can be sure and guarantee your space moving forward. 

I can be reached at XXXX. 

Best regards -- XXXX XXXX XXXXXXXX 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 2023-09-18
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
fraudulent XXXX  account opened up in my name. date : XX/XX/2019, account # 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 2023-05-08
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've requested correction of from XXXX XXXX of amounts to be adjusted to correct amount for XXXX XXXX XXXX on XXXX report XXXX and XXXX .the amount wasn't corrected after payment made was not adjusted from XXXX. I disputed Credit Bureau System Inc. whom I've never had a contract with which was sold from XXXX XXXX XXXX XXXX XXXX amount of XXXX, XXXX XXXX, XXXX amount of XXXX, XXXX XXXX amount of XXXX, XXXX XXXX amount of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Social Security was provided in addition to documents showing that I had XXXX XXXX and XXXX XXXX medical coverage during these times. Due to the false and negative information it has harmed my credit and caused financial hardship to which it has violated my rights 15 U.S.C 1692, 15 U.S.C 1666 and ( T.I.L.A ) ( F.D.C.P.A ) XXXX XXXX XXXXXXXX XXXX, XXXX, has settled in Lawsuit is closed was sold to XXXX XXXX XXXX to XXXX XXXX XXXX. Settlement has be attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Client Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Client Services , Inc. tries to collect this debt I do not recognize. Please investigate this account thoroughly to resolve this issue in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
*COMPANY DOES NOT INVESTIGATE DISPUTES* I have contacted an attorney regarding the common practices that are occuring with this company. They do not investigate. They do not send updated credit reports. Been waiting over 2 months for an updated reports. ALL THEY DO IS LIE AND ARE LAZY!. 1. Putting a collection on my credit report that is not my account. 2. Putting the same account that is in collection as a regular account two others items on my credit report. A TOTAL OF 3 times that XXXX is on my credit report and they refuse to remove any of them. I AM GOING TO SUE XXXX XXXX XXXX XXXX THEM. 3. Have never provided Method of validation or written signature for any of the accounts listed below. 4. They have been reporting accounts every month as if they are active when they are not changing dates every time I dispute 5. They have blocked me from disputing online because I complained on here. I am writing this and have all documentation from every dispute on here and on their website and their lack of work ethic of resolving these issues. SEE YOU IN COURT. My lawyer has already stated they will be paying me compensation for all their lies and stall tactics. I have sent them several police reports for fraud and they have not properly investigated anything. Accounts I am suing them over : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Documentation of Recorded Phone Call with Agents at Equifax On XX/XX/2022, I had a recorded conversation with multiple representatives as follows..these are the events that I attest to be true to my knowledge. 
XXXX -- transfer to XXXX XXXX XXXX -- according to XXXX this is the correct department to assist with this XXXX -- XXXX Dispute -- Spoke with XXXX and informed him of multiple complaints filed with the CFPB and identity theft. 
He says that he reviewed all the information, filed a fraud dispute for the companies, the company will remove the accounts says that the accounts are under investigation and takes 30 days. I immediately asked to speak with his supervisor, XXXX placed me on hold... 
XXXX intentionally provided false information stating that there needs to be a FTC report on file. 
and anything that deals with credit reporting, debt collection, credit card or banking deals directly with the CFPB. 
XXXX intentionally disconnected the phone call. I then called Equifax again and spoke with the following representatives XXXX -- says that he can not review the account, and says that he will transfer me to XXXX XXXX XXXX ... XXXX XXXX -- Explained to XXXX the history of what happened with the previous phone call, and my nature of the call now regarding the frivolous information being reported. XXXX informed me that he would get a supervisor, and would not disconnect the phone call, call placed on hold Recited codes from 611 and section 623. Says that he can still get me a supervisor, and gave me the option to transfer to the fraud department, even though he confirmed in the beginning that they handled fraud. 

XXXX -- Spoke with XXXX and explained the situation at hand. XXXX stated that they are able to use the CFPB complaint but kept insisting that FTC identity theft report be filed. I asked XXXX to please transfer me to her supervisor XXXX -- -Spoke with XXXX and informed her of all the inaccuracies under consumer profile XXXX, XXXX XXXX me that she would place me on a brief hold for two minutes, XXXX XXXX back in, and stated that she is going to finish the request to remove all of the information. 
no case number for escalation -- no direct phone number -- will call back to give me a case number..agent id : XXXX, says within one week all of the inaccurate information she will call me back, depending on the case, the items getting removed might take less time. Says that she will remove all the adverse information.

Company response to consumer: Closed with explanation