BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-03
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used my XXXX credit card ( held by US Bank ) in XX/XX/XXXX for an online purchase. I had no problem with the order - they accepted my credit card with my current billing address and I received my purchase at my current address which is the same as my billing address. 
I found out in XX/XX/XXXX after seeing my credit report that US Bank had been applying fees since XX/XX/XXXX which amounted to {$230.00} for not receiving a payment on the card for the XX/XX/XXXX purchase. I called the credit bureau right away and then US Bank to get this taken care of. I have been dealing with this issue since XX/XX/XXXX and have talked to US Bank at least a dozen times to get this corrected. They told me they had sent the credit card statements to my former ( 4 yrs previous ) address in XXXX. And said it was my fault that they did not send it to my correct updated address which they said I had not given them - BUT they had my correct address in XXXX when they processed the online order with my XXXX address. I asked them to send me the statements I had not received so I could see what had happened and waited a month, had to call them back and they admitted to sending those statements to the INCORRECT address AGAIN! 
I filed a dispute with the credit reporting agency ( XXXX ) twice and a dispute with the US Bank. Each time the bank refused to admit to their error in sending the invoices to the wrong address. Of course this all happened within US Bank ( that's who XXXX contacted and supposedly believed them even though I sent them paperwork to back up my issue ). I am now trying to get someone to see that it was not my fault that I didn't get the statements that I would have paid in full if I had. My credit history has been excellent for years ( as is shown by the credit limit on the card - {$23000.00}!! ) As soon as I saw my online order statement I wrote a check for the amount of the order. The bank is still saying I need to pay the late fees in order to settle this matter.

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 2023-05-16
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've recently noticed an alleged debt that fell into a derogatory collection account by a company under the name Aargon Agency on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). I never received a method of validation letter. So how do I even know if the alleged INACCURATE debt even belongs to me or is truly my debt? I sent a debt validation request letter to Aargon via mail on XX/XX/2022. Tracking shows that the letter was received on XX/XX/2022. It has been more than 30 days and I have not received any type of debt validation letter in return. I simply ask that this item be deleted from my credit report. This item is hurting my attempts to rent/buy a home and making it impossible for me to recover financial stability due to ongoing medical 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected on my credit file. XXXX XXXX  XXXX XXXX Balance {$650.00} XXXX XXXX Balance $ - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$12000.00}.

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 2023-02-04
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received notice to dispute. Resurgent / LVNV Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: IL
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:
Account # XXXX XXXX XXXX XXXX On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXX has not been updated. I contacted Equifax on XX/XX/2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and XXXX XXXX reflecting that the amount was taken from my checking account by mail on XX/XX/XXXX. The account is listed as a charge off. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: SCA Collections, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am requesting to have XXXX XXXX XXXX  {$70.00} and SCA Collections {$51.00} removed from my XXXX and XXXX Credit Report. I am not aware of these creditors. These accounts are not my account. These XXXX accounts are affecting my XXXX XXXX. I have written to bother agencies and didn't get a response from either account. Both may be XXXX. I repeat these are not my account.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 according with the fair credit reporting act the list of accounts below has violated my Federal protection consumers rights to privacy and confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : department of education Account number : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also State a consumer report 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 reports containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

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 2022-11-06
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX, and Experian are reporting, a bankruptcy on my consumer report and they have put in the data furnisher as ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX which is false. I have attached a letter from the ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX verifying and stating that they do not furnish information to the consumer reporting agency or any credit monitoring service, nor do they validate or verify any information concerning bankruptcy. 


XXXX, XXXX, and Experian falsely stated this information on my consumer file and have not deleted this information from my consumer 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 explanation
Consumer complaint received 2019-11-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019 I purchased four XXXX cards in the amount of {$500.00} each which is a total {$2000.00} I got a scammer call from the FBI and I wasn't aware it was a spoof call, I was told by both law enforcement and the credit card company where i purchased these cards to give them a call to see what they can do and so far no one has helped 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 explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2021-07-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

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 2020-02-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Staff, I am complaining that Chase doesn't meet their statement that Chase would deposit the upgrade bonus within 10 business days into the account when all the requirements have been met. 

I upgraded my Chase College Checking to the Chase Sapphire Checking with the {$1000.00} upgrade bonus on XX/XX/XXXX in a local Chase branch, where the tracking number is XXXX, the banker is XXXX XXXX XXXX, and the upgrade code is XXXX XXXX XXXX XXXX. 

To receive the upgrade bonus, it requires that " within 45 calendar days, transfer a total of {$75000.00} or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, ( excludes any J.P. Morgan retirement accounts and CDs ) and maintain that balance for 90 days. * I have met the new money requirement, from my external accounts and it is confirmed by XXXX, a Chase staff on XX/XX/XXXX, via the Chase Secure Message, saying that : " We show you are enrolled in the {$1000.00} bonus offer for the checking account. Under the rules for the promotion, you need to make a new money deposit of {$75.00} by XX/XX/XXXX, which I'm showing that you have met. The {$75000.00} must remain in the account for 90 days until XX/XX/XXXX. '' After I have met all the upgrade bonus requirements, I consulted Chase about it, and got a reply from XXXX, a Chase staff on XX/XX/XXXX saying that : " XXXX, we have receive the response from our Research Team. They confirmed that you did not maintain the {$75000.00} balance for 90 days that ended on XX/XX/XXXX. 
Your total balance was {$33000.00} ( investment - {$17000.00} and Deposit - {$16000.00} ) as of XX/XX/XXXX. '' However, the balance history from the Chase website about my Chase You Invest account clearly shows that I had a balance of {$67000.00} but not the {$17000.00} as of XX/XX/XXXX. The statement of my You Invest account from XX/XX/XXXX to XX/XX/XXXX also clearly shows that I have a {$67000.00} balance on XX/XX/XXXX. 

From the statements of my Chase Checking, Saving and You Invest accounts from XX/XX/XXXX to XX/XX/XXXX, it is also clear that I have met the requirement that " the {$75000.00} must remain in the account for 90 days until XX/XX/XXXX ''. 

I attached the screenshot of my You Invest account balance history, and all the statements of my Chase Checking, Saving, and You Invest account from XXXX, XXXX to XXXX, XXXX as evidences. 

Could you please help me with the missing upgrade {$1000.00} bonus issue? 

Thanks very much for your help! 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX XXXX separate accounts for the same debt of {$100.00} from my previous rental location with XXXX XXXX XXXX appeared on my Transunion, XXXX, and XXXX reports under two different debt collection agencies. One, under XXXX XXXX XXXX which has now been removed as it was correctly updated to reflect that the debt had been paid as of XX/XX/XXXX ; and the other under XXXX XXXX XXXX  which is still present on my credit files as unpaid. 

I have submitted disputes with Transunion starting XX/XX/XXXX, then on XX/XX/XXXX, again on XX/XX/XXXX, and most recently XX/XX/XXXX. Each time Transunion denied my dispute claiming that the information was accurate, and in some instances of their investigation, they did not take the full 30 days to come to that conclusion nor did they reach out to me to receive the documents of my proof to make a full and correct assertion to that claim. 

I have emailed XXXX XXXX XXXX twice as it relates to this, and have not received any communication back from them either time. I've called them and was told to email them with my proof which is exactly what I did, but they have yet to respond or remove the fraudulent debt reporting from my records either. 

Under 807 ( 2 ) ( A ) False or misleading representations, a debt collector may not use any false, deceptive, or misleading representation as it pertains to the character, amount, or legal status of any debt. And I am aware that under 813 Civil liability, any debt collector who fails to comply with any provision of the US Code with respect to any person is liable to such person in an amount equal to the sum of any damage sustained, which, in my case, I can show that this has hindered my application for auto leasing, as well as hindering my ability to obtain credit, and small loans since this is the only present collections on record aside from my student loans. 

This has also caused a great deal of emotional distress as I have been faced with denials that are highly based on the fact that I have this reported collection. ( XXXX v. Transunion, 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 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

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 2021-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've provided multiple documents to the claims services at Bank of America and make the claim was closed and reopened four times. I don't feel like a valued customer at all and I'm getting nothing but the run around when it comes to my claim. I spoke to my family members about the situation, and I'm reconsidering my relationship with this bank. Very disappointed with how this claim was handled.

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 2021-07-12
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i open saving account apple bank, and saving account XX/XX/XXXX; in both bank I loss my money, XXXX XX/XX/XXXXmanager wanted I closed my account ( because he said ). I want my money back, ( I made complaint cause same situation ) I need my money ; I am victim identity theft from XX/XX/2017. I need my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was opened online by someone other than me in my name using my home address, and email address, but in speaking with the agent from Citi, the last 4 of my social do not match the account. 

I started receiving emails about this an called Citi. At first they said no account existed and to disregard as phishing scam. 

I then received a debit card in the mail and called Citi directly. They blocked and closed the account.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 - XXXX XXXX XXXXXXXX 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 XXXXXXXX as violated my rights. 

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

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 2021-07-12
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account with IC SYSTEM INC has been disputed on my credit report, however, it has not been removed. I have no knowledge of this account.

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 2020-02-19
Company: Ocwen Financial Corporation
State: UT
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:
PHH Mortgage Services # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation