BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have recently identified an issue with my credit report that indicates a XXXX late payment from XXXX XXXX  XXXX However, after speaking with a supervisor on the phone at XXXX XXXX  on XX/XX/2023, I was informed that XXXX XXXX  only reports XXXX late payments and not XXXX late. I have always made sure to pay my dues on time and have never been late by 60 days on any of my payments. The supervisor recognized the error from their end and told me that this incorrect information will be rectified and removed from my credit report. To substantiate this, the bank will be sending me my statements from XXXX, XXXX, and XXXX of 2023, which will illustrate my prompt payment history. I kindly request that this erroneous information be removed or updated from my credit report and updated accurately at the earliest.

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 2023-06-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2023 ProCollect XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Contact me sometime in late XXXX/early XXXX advising that I owned {$83.00} for un unpaid utility bill. I advised I had NO idea what this was about, never heard of the company, nor had I received any info until this call. The lady on the phone was very rude and advised me to file a police report. I requested that she send me the details of the debt so that I could further investigate as this seemed to be fraud with my ss #. This week I checked my credit and it was reported to XXXX. I contacted ProCollect today and inquired as to why it was reported on my credit report when I have yet to receive any further documentation and or information. the lady explained that the debt was owned as of XX/XX/XXXX and they had sent notifications. She could not tell me what address these were sent to. She did ask if the address on file at the time was accurate and I advise yes but I have never recvd anything in regards to this matter at my current address. She advised that they did receive my request via email to provide all documents for me to further review although I am confident this is not my debt and someone used my SS # to be approved for utilities with 10 XXXX XXXX XXXX XXXX. She said this would take up to 30 days to receive this info. So here I sit with my credit score reduced by XXXX points due to a {$83.00} debt that I was never made aware of until a quick phone call and it reported to 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 2023-07-22
Company: Experian Information Solutions Inc.
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:
XXXX XXXX advised they would remove negative data from my credit report consisting of a late payment. 

Since then, I now have 2 late reportings from them on my report which is not true! I disputed this with the credit bureaus and they validated it which doesnt make sense because I wasnt late twice ever.

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 2023-10-04
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
US Bank is not following guidelines for XXXX Force-placed insurance and charging individuals erroneously on flood insurance without processing a reminder notice under section XXXX 15 days before payment is required. The insurance in question is also at a rate 22 times higher than the base rate required by law - thus they are making roughly {$22.00} dollars of profit on every regular dollar of insurance being purchased - that has to be illegal and for the statement in their letters to say that if the insurance is purchased on behalf of the mortgage holder, it " MAY be more expensive '' is further illegal they should be required to say it WILL and at the rate that it is punitive.

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 2023-03-11
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've submitted a fraud claim with Schwab about a company withholding my funds. I had used my schwabb account and debit card to deposit funds into an application known as XXXX XXXX. When I went to withdraw these funds from the app they were being withheld and then my account was removed from the app and essentially the existence of my account with the application completely disappeared. I reached out to customer support for the app and they were of no help and would not reach back to me about this issue so I submitted a claim with schwabb about every deposit I made to that application using my account information or debit card information and put a stop payment as well. Schwabb for weeks has not reached out to me about this fraud claim, has done absolutely nothing to recover my funds, and has not given me any updates after repeatedly reaching out. I have not even received temporary funds for the time of the investigation either. They are not holding up their part of the agreement to protect consumers from fraud and letting it run rampant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX  XXXX XXXX I am reporting a fraudulent inquiries found in my 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 2023-09-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Truist Bank - Business checking account More details can be provided upon request over a period of a month the bank allowed for my account to be overdrawn by well over {$800.00}. I did not know that my account was overdrawn because the receipts from the ATM machine did not have good ink so I could never see the negative sign in front of the numbers. 

I ask the bank why the allow my account to overdraft, I was told that my account allowed for overdraft. I never authorize for my account to have overdraft. This is a checking account and I use a debit card. 

The bank did not help with resolving the issues.

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 2023-10-04
Company: U.S. BANCORP
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
Im a parent utilizing step up for XXXX  for my XXXX XXXX child. They are forcing parents to use USBank cards. Its not something we were given the option to use and now their VP XXXX XXXX sits on the board of directors. There were guarantee of being able to move the funds via XXXX to our checking accounts which isnt the case at all.

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 2023-06-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My Toyota Motor Credit account is reporting delinquent, but I am current and have never been delinquent on this account with Toyota Motor Credit. I called them twice today to confirm I have never been late and 2 different reps told me what I already knew which is the fact that I have been delinquent with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Huntington reported to credit that my account was closed and they removed my access to that account and today I received a letter stating my account was 54 days past due dated for XX/XX/23 today being the XXXX would make 57 days. They are supposed to close within 60 days of account being overdrawn and did so close it early and also removed all of my savings from my account to apply toward that account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: U.S. BANCORP
State: FL
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
An Exec from US Bank is new on the Board of XXXX XXXX XXXX XXXX and now I can not access my child 's educational scholarship funds without utilizing a US Bank issued and controlled card.

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 2021-03-17
Company: EQUIFAX, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to dispute my charged-off XXXX XXXX XXXX credit card account ( account number begins with XXXX and ends with XXXX ), as this account is now paid in full with a XXXX  dollar balance, as of XX/XX/2021. The credit bureaus dispute website will not allow me to file a dispute for this account and it gives no such reason why Im unable to file a dispute for the XXXX XXXX account, so that the account is updated on my credit file to reflect paid in full and a XXXX dollar balance. I have tried to upload supporting documentation to the credit bureau, but I receive no acknowledgment that its been received or that its being processed as a means to substantiate that this particular debt is paid in full with a XXXX  dollar balance as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company have been charge me for this amount for awhile, I try to contact them many times. Also I hire a lawyers and pay lot of money, submit disputes and not responses from the bureau. I am a military spouse, mu husband XXXX XXXX so I have 100 % medical insurance, also I have medical insurance from my job a real good insurance a premium one. Why I been charge from this company something that is not belong to me. Their response was that the hospital charge me, but the truth is I use Military Hospitals to been seem by doctors and my XXXX doctors are on XXXX. Im absolutely desperate because this have been in my records and ruin my credit History and because I didn't have acknowledge about my credit History was like this now I recurring to here for help. I don't think is fair all this situation. HELP PLEASE

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 2023-04-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX and XXXX have both violated my rights. 15 U S.C 1681 section 602A. States I have the right to privacy. 

15 U.S.C 1681 Section 604A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 






XXXX XXXX XXXX XXXX XXXX XXXX Collections- summary XXXX XXXX XXXXXXXX Original Balance {$710.00} Current Balance {$710.00} XXXX XXXX Last Updated XXXXXXXX XXXX  Payment Status Charge-off Worst Delinquency Bad debt/collection Balance {$580.00} Credit Limit {$300.00} Credit Utilization 196 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
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:
THE ACCOUNT DISPUTED DOES NOT BELONG TO ME, PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: VT
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 violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX account # XXXXXXXX XXXX  ACCOUNT # XXXXXXXX XXXX 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 conviction of crimes which antidates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent in my identity theft report several times to Transunion XXXX and XXXX asking them to block and remove these fraudulent accounts of XXXX  XXXX XXXX XXXX  XXXX. XXXX and XXXX XXXX XXXXXXXX. These is in violation with us code 1681c 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2018-10-18
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: Account status incorrect

Complaint:
I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: DE
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 writing this today insisting to delete the following unauthorized information on my file. With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. These inquiries and collections are fraudulent. I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) -THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA Cc : CFPB 1700 G st NW, Washington , DC 20552 FTC XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX Attn General XXXX Floor, XXXX XXXX, XXXX, pa 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