BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received numerous emails and subsequently a debit card in the mail that I did not apply for under my previous married name for unemployment benefits through the XXXX XXXX. I have called the US Bank number provided on the card and had the card de-activated but wanted to make you aware of the situation in case this is a broader hit to numerous consumers.US Bank number provided on card is XXXX Credit allowed {$40000.00}. Credit card mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. If you require additional information, you can contact me at XXXX. I was also insistent on not providing them with my SS #, as they requested.

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 2021-05-11
Company: Experian Information Solutions 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:
I have been disputing these six accounts on my Experian since last year XXXX and nothing I mean absolutlely nothing is being done about these they are not mine they do not belong to me therefore they should not be in my credit report I have Opened a Identity theft report I have reached out ot bureaus and furnishers and they dont seem to care that I am a victim here I need these off my credit asap!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account XXXX XXXX XXXX Acct # XXXX Amt {$0.00}

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX of 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 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 2021-05-11
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with XXXX forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet the XXXX XXXX Compliance guidelines. I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected. I have mailed a notice of my intention to file an arbitration and I am also uploading the same documents to the CFPB for my records

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I sold some trading cards to a reputable store, they sent me the money I was owed via PayPal, upon receiving the funds In my PayPal account I got sent an email saying I can no longer do business with PayPal and that they will be holding my PayPal balance for 180 days. Ive purchased items with PayPal and have sold items with PayPal, never had any problems before and have done nothing wrong, I am confused and have tried getting in contact with PayPal numerous times on the phone but I just get fed generic response after generic response. When I ask to speak to a supervisor I get placed on hold for hours and no one ever answers me. This has to be some kind of mistake as I have done nothing wrong to my knowledge to justify them holding my funds for 180 days. My PayPal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I just paid off a Bank of America card that was charged off and instead of them showing that account paid, they created a new account on my credit report with a new account number. It should have never created another account which hurt my credit score. Instead, it should have just settled out my collection and showed it up as paid. They also still left a {$900.00} balance on the trade line, when it should be {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-11-10
Company: HW Holding, Inc
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : Hunter Warfield/streetlane homes- has been paid on time and in full. 

XXXX XXXX has been paid on time and in full. 

XXXX XXXX-has been paid on time and in full. 

XXXX XXXX XXXX has XXXX paid on time and in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I try to get all three of my credit history from Equifax XXXX  XXXX  and it's saying that my home address is XXXX XXXX XXXX XXXX XXXX Nevada XXXX I don't know who address that is or who it belongs to but that is not mine and every time I try to file online with that information or to give my personal correct information it won't go through I'm going to circles and having problems to be able to correct all these information I started on XX/XX/XXXX of 2021 all the way through XX/XX/2021 up until today XX/XX/2021 I put a fraud alert and I put a freeze on all three at least I tried to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Spring Oaks Capital, LLC
State: MI
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:
Spring oaks capital LLC. Has stolen my personal information. I have no contract with Spring oaks capital LLC. and I have never given them any personal information of mines. How did they obtain my personal information? Spring oaks capital LLC is reporting illegal and unauthorize personal information on my credit report. Spring oaks capital LLC is using my stolen personal information to take me to court under false pretenses. What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given Spring oaks capital LLC Notice letters of dispute, Opportunity to cure and opt-out request. Spring oaks capital LLC refuse to perform based on law. Spring oaks capital LLC. Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling. Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet I continue to harass with illegal reporting and court cases that I never agreed to or authorize this use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Alabama Housing Finance Authority
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from my mortgage company that my mortgage had gone from {$990.00} a month to {$2000.00} a month. When I called my mortgage company they said it was because my insurance was so expensive and they were very condescending to me. I called and got new insurance. When I spoke to the new insurance agent he said there was something terribly wrong. I called XXXX  back they said they had made a mistake and sent a check for {$4000.00} to a wrong insurance company and once they got the check back they would update my mortgage payment. I also received a check back from the second insurance company ( because XXXX told me that was the cause of my mortgage going up so much ) that I immediately turned over to XXXX. After they put all the money back, my mortgage payment was still {$1100.00}. That is {$170.00} more than it was prior to all the insurance mistakes. I have spent countless hours on the phone with insurance companies and the mortgage company and I still have no explanation why my mortgage would go up that amount.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 got a letter in the mail from XXXX XXXX they claim that they never received my credit identity theft packet that I sent in XX/XX/2019. It was sent via certified mail from the XXXX, va usps and it was notarized by XXXX bank in XXXX, VA. The address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX and you may reach them at ( XXXX ) XXXX. I am very confused on how they didn't receive it. It cost money and time to send certifed mail and this have been going on for too long.

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 2023-10-25
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This organization is in violation of credit reporting-derogatory payments were reported during the pandemic, which i've endured XXXX and suffered also suffered a debilitating stroke-I had to relocate to an ENTIRELY different state to live with family and am now on XXXX. During that time I was hospitalized. and NOT working, and not even living there, I'm baffled as to why i would have to pay, apartment manager at the time was well aware of my situation. I have disputed through XXXX but they would not remove. Please see proof of medical documentation, XXXX and nutrition assistance. I have filed a complaint with the California Attorney general as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card that I began using around XX/XX/2022. I charged {$300.00} + {$900.00} + {$900.00} within a span of two months. This should add up to {$2100.00}, and it was all paid to my dentist. This is the only thing that I have ever charged with this card.. 
A couple of months ago I noticed that my balance was down to around {$1600.00} and then the balance changed to over {$2000.00}. I called them and asked what happened, and they said it was interest. I can't believe that the interest went up over {$400.00} in just a month. I asked them to send me a copy of all of my statements, and they never sent them. I also use to receive my statement ( e-billa ) through XXXX XXXX XXXX. For the last two months, every time I try to see my bills, it says : We are sorry, We a pologize our system is having technical difficulty retrieving your information, Please try again later. 
Something is starting to smell fishy here. I have sent this company {$1600.00} in payments over the last 21 months. How on earth do I now owe over {$2000.00} now. 
Can you please help. This is ridiculous!!!!!

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 2021-03-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a Credit Card from Best Buy Citi Bank. I was approved and purchased a lap top for {$1000.00}. However when my card arrived with a letter and reference number : I called as instructed and Citi Bank could not verify my identify. I gave them my social security number, Home address and phone numbers and nothing was done to allow me to use the card. I tried to use it at a Best Buy and the Clerk informed that the card was not allowed to be used. When I called the agent ; the agent could not get a Supervisor to assist me with the issue and then could not even assist me or informed me what was wrong with my card. This is unacceptable I called customer service and was able to pay off my balance because I could not deal with their inability to perform a simple verification either by text verification or email.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Turned off auto pay with various vendors but continued to be assessed overdraft fees to the point that the account was closed. Some items with low dollar amounts were declined for payment but other items with substantial amounts were covered and assessed the overdraft charge.

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 2022-07-26
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX of 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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
Consumer complaint received 2022-08-10
Company: Upstart Holdings, 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:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

Company response to consumer: Closed with explanation