BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 debt with XXXX XXXX XXXX should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the XXXX  bankruptcy discharge. This debt originated/predated the XXXX  XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of XXXX XXXX XXXX. 

I have made several attempts to resolve this issue by sending letters by Register Mail to XXXX XXXX XXXX and letters to all three credit bureaus.

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 2020-11-12
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 HAVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I XXXX XXXX XXXX, online disputed under XXXX website to Amsher Collection Services XXXX for 4 months debt balance in the amount of {$870.00}. Because XXXX XXXX closed my account due to nonpayment on my end that I chosed to inform XXXX to close my account because I saw fit their services was too expensive for me to afford on my income size and I do not have the sufficient funds to make payments just for the reasons of my unemployed low income lifestyle accumulating less than {$1000.00} lower class salary a year under social security. So XXXX last year back in XX/XX/XXXX after XXXX kept increased my bill XX/XX/XXXX more than original amount of {$130.00} for 9 months straight by {$150.00} plus dollars without my consent with XXXX XXXX contract related biased term & conditions technical reasons why to closed the account my personal information without my knowledge set the {$870.00} under collections unfairly added ran under my credit sometime in XX/XX/XXXX for the credit bureaus to negatively impact my credit scores from XXXX to a lower fair average credit score of XXXX XXXX, XXXX XXXX & poor credit score XXXX XXXX affecting my chance of creating a positive credit score history with no open credit card account ( s ). I only used debit cards for savings account and it is necessary for myself that truthfully honest lengthy reasonable logically informal serious explained that Amsher Collection Services XXXX is still have been unfairly charging me {$870.00} for a closed account that no longer have services to and or using for the time being that already received cellular phone service under XXXX XXXX XXXX XXXX XXXX XXXX under my Supplemental Social Security Income Service I have been receiving since XXXX at age of XXXX XXXX XXXX when I used to live with my family over 20 years ago to present to this very day according to my negativity affected credit scores by Amsher Collection Services XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is my second complaint, due to the response received having nothing to do with rhe actual complaint. I have since seen the rules and I have since learned if choices regarding overdraft protection. But it was way too little to late. Having had my account for less than two years with over {$4000.00} in fees taken by US bank is excessive and quite disturbing. I am on a fixed income, XXXX XXXX XXXX and now my credit is messed up because clearing if I am missing {$4000.00} over approximately 18 months, I cant pay my bills, let alone afor to eat. There were actually XXXX fee charges in less than a XXXX month period, from XXXX XXXX of this year. XXXX in the XXXX years since I opened the account. No one has ever given me any direction in any way shape or form. The FDIC states they should monitor excessive and chronic customer use. More than XXXX occasions of overdrawing in TWELVE months is a red flag for them to take meaningful action and provide alternatives. There was absolutely effort by anyone to contact me by phone, mail, email. Heck, I live about XXXX blocks from the bank and they could have come by. Our town is very small. 

Our local US Bank branch brags about wanting to assist their customers with managing finances and making it as easy as possible. They claim they will collaborate to underarms our situation and develop personalized strategies. They clearly have not collaborated nor taken the slightest interest toward any strategy. 

This has created a huge ripple effect tans devastated us. 

I dont need their policy reiterated. I need them to take some ownership on their failures. I dont lay all the blame on theim but banking is supposed to be their expertise. Not mine. I am a XXXX XXXX citizen on XXXX. And I can barely afford to pay the bills I need paid in order to breathe, thanks to them. 

I would think a refund of those fees, at least XXXX of which should have been prevented, if they had been monitoring and provided explanation of the overdraft protection and opting out ( which XXXX knew nothing of until it was waaayyyyy too late. And I contacted them. They made no effort whatsoever to do anything. Still havent. They just kept raking in the money and didnt say a word knowing full well it was excessive and deceptive and in violation of the FDIC specified guidelines/rules.

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: Experian Information Solutions Inc.
State: MD
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:
When I went to a car dealership and they stated that they were only going to use one bank and I said that was fine because I had my own financing but they could beat it with one company. I find out months later that they sent my credit to a lot of people because I was getting letters saying I was either approved or didn't accept credit. I also see Hard pulls I did not authorize as well.

I just want these removed because it has added a lot of Hard inquiries and has hurt my credit score hard.

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 2021-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a complaint and dispute with Bank of America they found that it was 100 % in my favor and if my money was supposed to be deposited immediately however I've had been having trouble for the last 15 days receiving my money back from Bank of America now yesterday XX/XX/2020 the claim says resolved and paid this is fraud nothing has been resolved and nothing has been paid and nobody knows nothing at Bank of America they say they can not access my account to be able to help me

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 2020-08-19
Company: Experian Information Solutions Inc.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$420.00} XXXX XXXX {$640.00}

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX FB & T/MERCURY XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX TMCC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ate Filed/Reported : XX/XX/XXXX Reference # : 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I went to a car dealership and they stated that they were only going to use one bank and I said that was fine because I had my own financing but they could beat it with one company. I find out months later that they sent my credit to a lot of people because I was getting letters saying I was either approved or didn't accept credit. I also see Hard pulls I did not authorize as well.

I just want these removed because it has added a lot of Hard inquiries and has hurt my credit score hard.

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 2023-02-08
Company: KEYCORP
State: CT
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:
Ive contacted the fraud department. I have submitted several police report documents along with the FTC and CFPB. I was told by a supervisor that this account will be updated enclosed in blocked from my credit report, and I have a lifetime ban from receiving any future cards from KeyBank, because of the fraud that was committed in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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 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 2023-02-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I receive a call ( XXXX, caller id ) from Sunrise Credit Services , Inc. stating that I owed XXXX {$110.00}, and they are now responsible for collecting the debt. I believe the number is a false caller ID. This is my first knowledge of the debt. On XX/XX/2022, I receive a call from the same caller ID, XXXX. An automated message describes the company name as Sunrise Credit Services , Inc. ; no address or phone number. A male voice identifies himself as XXXX XXXX, but refuses to provide me the company name, address, or phone number. XXXX XXXX claims that the call is being recorded. The caller then hangs up. 

I believe when I asked XXXX XXXX for his company name, address, and phone number, he had to provide that information to me, and not hang up.

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: Mercedes Benz Financial Services
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 contacted XXXX In XX/XX/2022, XX/XX/2022 and XX/XX/2022 about ( 2 ) two unauthorized inquiries that they are reporting on my credit report. I contacted the two creditors XXXX XXXX Bank ( bank ) and Mercedes Benz Financial ( finance ), they said they contacted the credit bureaus to let them know they weren't any transaction or permissible purpose between them and me. These inquiries are affecting my interest rate to potential loans I am applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Malen & Associates PC purchased a debt from XXXX XXXX. The debt was loaded up with added fees and penalties prior to the sale of the debt. Malen & Associates PC did not provide adequate documentation when asked to verify the debt. Malen & Associates PC refused to settle the debt in good faith on several occasions. Although Malen & Associates PC claims they are settling in good faith. The company is fully aware that the debt was stacked prior to purchase and is collecting this debt with malice. Malen & Associates PC cites an amount in excess of {$6000.00} every time a debt settlement is made and then will extend the terms and create further financial hardship to the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has appeared on my credit report. This account, which is associated with my ex-husband, was opened without my knowledge or consent during our marriage, and I was unaware of its existence until I recently reviewed my credit report. Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Opening : XX/XX/2021 Balance : {$1700.00} I have attached documentation, including divorce decrees and separation agreements, which clearly demonstrate that I have no financial responsibility for this account. Furthermore, I have not authorized or benefited from this account in any way. I respectfully request that you conduct a thorough investigation into this matter and promptly remove this fraudulent account from my credit report. Additionally, I would like to receive a written confirmation of the actions taken to rectify this issue. Please let me know if you require any further information or documentation to facilitate this investigation. I appreciate your prompt attention to this matter and request that you resolve it as soon as possible. Thank you for your assistance in rectifying this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been trying to contact Coinbase about my account since XX/XX/2021. I've called them every few weeks. We've spent hours and hours and submitted XXXX identification. 
They locked my account because I no longer have my old phone number and I've talked to well over 13 people who have no authority to do anything to my account. They promised to escalate my account and no one takes any action. Every time I call it's an hour session w/ a new Account service person where they have to comb thru the history and they will take no action to withdraw my money. The process usually ends when the phone disconnect and I have to call back and start over. There is {$840.00} in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
About XX/XX/, a withdrawal was made from my checking acct. in the amount of {$290.00}. 
From the limited description, I did not know what it represented. I disputed the charge and Bank of America reversed the withdrawal. A few days later, I realized it was an annual deduction I always had paid. I told Bank to pay the merchant.Bank said it would take 7 days for merchant to receive money. 

Because I needed access to continuing education right away from the merchant and b/c I could not get money to merchant with a debit card ( card was rejected ), I charged {$290.00} on XXXX of my Bank of America Credit cards . I spoke with merchant ( I have used this merchant for a number of years ; ) I just did not recognize it was the annual fee b/c Bank did not provide clear description or name. of merchant when initial withdrawal of money had ben made.The merchant would have refunded the {$290.00} I paid the merchant using the credit card. 

XXXX XXXX, Bank withdrew {$290.00} described as temporary card reversal.but did not pay merchant.

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 2023-02-20
Company: CAC Financial Corp
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX and XX/XX/XXXX I send out two debt validation letter to CAC Financial Corp in the amount of {$1000.00}. This company have not responded to my letter. However, this is not my debt.

Company response to consumer: Closed with explanation