BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, my US Bank checking account ending in XXXX was charged with a credit card payment in the amount of {$83.00}. Because I DO NOT use this checking account to make payments, this {$83.00} charge also resulted in my being charged a {$36.00} " Overdraft Fee ''. I do not recognize this transaction and after doing a lot of research can not figure out why this charge was made to my checking account. 

When I called US Bank for help, it was very difficult for me to get anybody on the phone and when I did, the people I spoke with were not too helpful. While speaking with a US Bank representative, I asked where the {$83.00} was paid to because the online entry for this {$83.00} charge DOES NOT show where this payment was sent, who it was sent to, etc. The person I spoke with gave me 4 numbers. I asked her what these 4 numbers meant. She didn't know. US Bank didn't know what company the {$83.00} was sent to. I asked the US Bank representative to reverse this charge and the {$36.00} overdraft fee when she was not able to tell me where the {$83.00} was sent. She refused to reverse the charge and the overdraft fee and suggested that I speak with the US Bank fraud department.

When I spoke with a US Bank representative in the fraud department, who was speaking on a phone line that made it very hard for me to understand what she was saying, she said she couldn't take a fraud report. When I asked her why she couldn't take a fraud report, her voice broke up due to the bad connection on US Bank 's phone and the call ended. 

US Bank has sent {$83.00} from my checking account and has no idea where the {$83.00} was sent. US Bank has also charged me a {$36.00} overdraft fee resulting from this transaction because I do not keep a very large balance in my USB checking account because I do not use this checking account to pay my bills. 

I am requesting that US Bank reverse the {$83.00} charge and refund the {$36.00} overdraft fee that US Bank charged to me as a result of there not being enough money to cover the {$83.00} that should not have been charged to my US Bank checking 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 2021-10-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
THESE HARD INQUIRIES LISTED HAVE BEEN FRAUDULENTLY PLACED ON MY CREDIT REPORTS. I WAS A VICTIM OF IDENTITY THEFT AND NEED THESE REMOVED FROM ALL 3 CREDIT BUREAUS ASAP. 

XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Account information incorrect

Complaint:
XXXX XXXX  report inaccurate balance. XXXX XXXX  credit card is a XXXX balance

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 2023-05-03
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2020-03-30
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$160.00} XXXX XXXX XXXX ( Never late on payments ) Reported : XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX : XXXX. XXXX, XXXX {$280.00} XXXX  Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$300.00} There are no contracts, no valid claim ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I keep sending numerous sets of letters to Equifax so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this inaccurate account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I am in desperate need of this item to be repaired : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: BMW Financial Services NA, LLC
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and BMW Financial Services. The Account Opened is BMW Financial Services Account Number : XXXX Date Opened : XX/XX/2010 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: OK
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:
IAM requesting Equifax, XXXX, and XXXX, to BLOCK and DELETE, IMMEDIATELY, all accounts, addresses, employers, inquiries, names, listed on my Police Report, below, Effective this Wednesday, the XXXX XXXX XXXX XXXX at XXXX XXXX as a result of being a victim of Identity Theft, by losing my Birth Certificate, Drivers License, and Social Security XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. LITIGATION - I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX. I presume no evidence of the Alleged Debt therefore exist. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-05-24
Company: Experian Information Solutions Inc.
State: MI
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:
Please remove the late payment remarks that is being reported on my credit report. This is unfair on how I work my XXXX day and night just for you to report this inaccurate accounts.

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 2022-04-13
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX Bank has been notified multiple time about the inaccurate reporting of this account. I have disputed this account directly with them as well as through this CFPB portal before. They have gone well past 30 days without communicating to me and have failed to keep correct phone call logs if when I have called. This account was paid off and closed by XXXX XXXX bank. It was reported to have a late fee after it was closed. And the account from XX/XX/XXXX to XX/XX/XXXX had late payments. But was never charged off. And when I originally started to complain about the account XXXX XXXX bank added a full year of new late payments onto the account that showed me being late in XXXX!!!! XXXX XXXX Bank after months of me complaining agree to fix the account but not remove it. 

They updated the account inaccurately twice after that. I called and even submitted a complaint through CFPB portal and that investigation went no where. Never hear from the credit bureaus or from XXXX XXXX Bank. I stopped fighting this once the pandemic happened. My last attempt to fight this was XX/XX/XXXX. I called up to XXXX XXXX Bank on XX/XX/XXXX. And tried to goodwill this account deleted from my credit reports, because it is still showing inaccurate information. I was told by the lady on the phone, that she would be sending her boss a email and that someone would be calling me back that same DAY. I waiting 8 days and no one reached out to me. I finally called back yesterday XX/XX/XXXX and I was transferred 7 different times to people at different levels within inside XXXX XXXX Bank. And I was told that they were not going to do anything for me. Refusing to connect me to the corporate office.I was told to file a complaint and leave them alone. But this is when I got really upset. I was told that they have no record of me calling in on the XX/XX/XXXX!!! How can XXXX XXXX Bank be able to furnish my credit report when they cant keep correct phone call logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: AL
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:
These are all closed accounts. 
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 XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX. XXXX XXXX # XXXX have 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 an 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 convictions of crimes which antedates the report by more than seven years.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX Bank has been notified multiple time about the inaccurate reporting of this account. I have disputed this account directly with them as well as through this CFPB portal before. They have gone well past 30 days without communicating to me and have failed to keep correct phone call logs if when I have called. This account was paid off and closed by XXXX XXXX bank. It was reported to have a late fee after it was closed. And the account from XX/XX/XXXX to XX/XX/XXXX had late payments. But was never charged off. And when I originally started to complain about the account XXXX XXXX bank added a full year of new late payments onto the account that showed me being late in XXXX!!!! XXXX XXXX Bank after months of me complaining agree to fix the account but not remove it. 

They updated the account inaccurately twice after that. I called and even submitted a complaint through CFPB portal and that investigation went no where. Never hear from the credit bureaus or from XXXX XXXX Bank. I stopped fighting this once the pandemic happened. My last attempt to fight this was XX/XX/XXXX. I called up to XXXX XXXX Bank on XX/XX/XXXX. And tried to goodwill this account deleted from my credit reports, because it is still showing inaccurate information. I was told by the lady on the phone, that she would be sending her boss a email and that someone would be calling me back that same DAY. I waiting 8 days and no one reached out to me. I finally called back yesterday XX/XX/XXXX and I was transferred 7 different times to people at different levels within inside XXXX XXXX Bank. And I was told that they were not going to do anything for me. Refusing to connect me to the corporate office.I was told to file a complaint and leave them alone. But this is when I got really upset. I was told that they have no record of me calling in on the XX/XX/XXXX!!! How can XXXX XXXX Bank be able to furnish my credit report when they cant keep correct phone call logs.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to receive validation of the debt, Portfolio Recovery is seeking to collect from me. 
I'm asked if Portfolio Recovery, could provide the proper documentation in accordance with Section 809- Violating Debts of the Fair Credit Collection Practices Act. 

Portfolio Recovery Account # XXXX Balance : {$1400.00} Open Date : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-11
Company: Experian Information Solutions Inc.
State: MD
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/2023, but no answer was received. These accounts must be validated XXXX XXXX  XXXX Balance : {$16.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$44.00}

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 2023-02-11
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Comerica Bank on XXXX XXXX bad service. I went to cash my check only to find out 20 minutes of waiting I cant cash it. They had me wait just to tell me they cant cash the check. I was profiled of having a fake check.

Company response to consumer: Closed with explanation