BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid 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 ordered shirt from XXXX XXXX {$95.00} They sent me the wrong size. I returned the item to XXXX and paid additional {$35.00} for mail. 

The company kept the returned item and never reimbursed me. 
Discover card did not accept my 8 pages of proof and documents showing that I did return the item and that the XXXX  initially sent me the wrong size. Discover card decided to side with the fraudulent XXXX company which has a history of reaping customers like me. I spoke at least 3 times with Discover agents who denied receiving my faxes and uploaded documents and finally decided to reward the fraudulent company instead of loyal customer like me that holds Discover card for 15 years and never missed a payment or rarely disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I accidentally made minimum payment twice for the credit card to make sure they don't ruin my credit. I had assigned a future payment for the credit card which did not show at all in the option that says manage payments or pay option. When I asked for reversal of just one payment to credit card back to my checking account, the spokesperson told me it will take 3-5 business days for the wire transfer to appear on the account. In 2 days they charged me overdraft fee for {$50.00} and {$50.00} each to my credit card account. When I explained the problem to the lady, she told me she cant reverse the fees. If my payment of {$190.00} was reversed and returned via wire transfer why would I be charged additional fees besides what they have been leeching off from me ( atleast {$100.00} for interest charges ).

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 2021-04-04
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
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:
i have paid First bank of omaha over {$1700.00} over a month and a half ago on XX/XX/21 paying off the balance and they have not reported the drop in balance keeping my credit score lower than it should, i paid, on the same date XX/XX/21 i paid over {$2000.00} dollars on XXXX XXXX XXXX and they also refuse to report the drop in balance keeping my credit score lower then in should be, i also paid off every balance on all 4 XXXX XXXXXXXX credit cards includeing XXXX XXXXXXXX and they have refused to report the drop in balance, also on XXXX XXXXXXXX XXXX payed balance in full and NO REPORT in balance drop ALL these cards in question have reported according to XXXX  and XXXX XXXX and all show balance when there are none! ... .i have contacted them all on 2 occasions each with no update with accurate account balances keeping my credit score low ... and you should note i am XXXX XXXX and feel i am being XXXX against to deliberatly keep my credit lower then it should be ... i hsvnt missed or had a late payment on ANYTHING in over 5 years ... .please 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 explanation
Consumer complaint received 2023-06-22
Company: BCI FINANCIAL GROUP, INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The interest being calculated on my account is not at 4.94 % interest rate that they are advertising, it is less. I called several times and no one will give me an explanation. They then told me to email because they couldn't give me any information by phone. This is something very simple to rectifiy and answer but so far, they have not communicated any answer to me why the interest is lower than the advertised rate. I assume my account is not the only account that has this issue and it appears they are advertising a high rate but then actually paying a lower interest rate than advertised in order to get clients, which is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX a XXXX XXXX arrived to my bank account from a construction company. As this money was sent to a personal account my account advised me to call the banks and reverse the transaction. 

The incoming transaction for {$5000.00} was initiated by XXXX customer to my Personal Bank account. 

On XX/XX/XXXX {$5000.00} was deposited in my account. Then, On XX/XX/XXXX I called BMO to reverse the transaction of {$5000.00} back to XXXX XXXX. BMO stated that they would reverse the transaction and the other party would receive it in 7-10 days. They gave me a XXXX XXXX Case Number to give to my customer. 

My customer filed a non-fraud dispute with XXXX. They have no record of the refund. The {$5000.00} was stolen by BMO Harris Bank or XXXX XXXX ( third party servicing department ). 

I want my {$5000.00} reimbursed to my account as it is Fraud plain and simple and no one can give me a clear answer as to where my money is in transit anywhere. 

For the past 30 days, I have tried to resolve this. I was given case # XXXX by BMO, apparently, this is a XXXX XXXX case number. If BMO initiated the CASE then they can reverse it. However, they are saying only XXXX can do it. However, XXXX has stated there is no CASE # XXXX. So who is lying?????? Or they are using different systems and BMO, the initiating party lost my money. You can't send money and not be able to retrieve it and hold me responsible. Had I initiated the transfer personally I would be responsible. I would like to get this money returned to me as I have spoken to my accountant and he says we can work it out on the accounting side.

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: LEXISNEXIS
State: MI
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:
Date : XX/XX/XXXX LexisNexis Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. 
This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
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:
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  IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, XXXX, HAS 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 2021-04-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, XX/XX/XXXX I received notice that my Navient Department of Ed loans needed attention. I call to request a forbearance and was approved. I've always only talk to One representative to place forbearance on ALL of my loans. I received notice on XX/XX/XXXX that my request for forbearance had been approved and payments would resume in XXXX. Moving forward I received an alert on XX/XX/XXXX from my credit monitoring service saying that i had 11 missed payments on my report. I have the email correspondence that says that if they service any other federal loans that forbearance would be applied to those loans. It came to my attention after speaking to several representatives, they did not apply them to all of my loans which was an error on their end. I've tried on multiple occasions to get this matter resolved. I was told to write a letter and send any proof that i had which i did and they denied me due to their error. They absolutely refused to remove the negative hit on my credit report. I've had these loans for at least 15 years so why would i let something like this happen knowing the outcome would be negative accounts on my credit report? 
Thank You for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: Bread Financial Holdings, Inc.
State: TX
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:
XXXX XXXX Tinquiry XX/XX/2018 I have contacted all three credit bureaus and disputed this also I contacted company and disputed this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the following items will be corrected ASAP. 
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 2023-03-24
Company: T.S. Holdings
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter stating that I owe debt to this company on XX/XX/2022. I am unsure as to why I owe this company money, so I consulted my attorney and sent them a letter asking them to validate this debt, provide proof they are able to collect this debt, itemized bill of the debt, as well as an agreement for me to pay this debt. My lawyer mailed a certified letter to this collector on XX/XX/2022 and we did not receive a response. I was surprised to find they have now reported this debt and it is not effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-04-05
Company: Experian Information Solutions Inc.
State: PA
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, XXXX, XXXX, XXXX, has 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

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 2023-02-22
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$33000.00}.

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 2020-10-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE ASK THE CREDIT COMPANYS TO LOOK INTO THIS ACCOUNT THAT IS 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 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
During the repossession of the car the dealer kept the car, then I got a ticket from XXXX because the someone from the dealer drove my car there, and was going at a very high speed in a 25mph max speed, also I got tickets from the tolls, and 3 parking tickets, when the bank called me to ask me for the car I told them it was a repo and to go and get the car at the dealership and they told me that they cant go to the dealership and pick up the car there because its a 3rd party or something like that, so I went back to the dealership after that to go and get the car, but the car wasnt there anymore, so the angent that took my keys was there and I asked him, he told me the bank took the car and if it wasnt the case maybe the city took the car, so he told me to call the city and check for the car, I did and the city didnt have the car, neither the police or sanitation, and then he told me that I had to call the police and make a report saying that it was stolen, witch I did and then when the police arrived they told me that the dealer is responsible for making the report and since XX/XX/2023 that was the day they kept my car, they havent make a report I have been there several times, because no one knows where is the car, and I had explained to them that if someone stole the car and do something wrong im going to be the person responsible for that, but they have been very sketchy about this topic, and I really dont know what to do at this point, I got in contact with a consumer lawyer but its tacking time, the dealer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY , XXXX agents involved in this transaction are XXXX and XXXX, they are the ones that XXXX telling me that they dont want to get involved when they are the responsible for tacking my car and keeping plus driving it without my authorization, I tried several times to get help, but they just refuse to it they have been very irresponsible and unprofessional about all this, they are the 100 % best sellers but the worst when we talk about cleaning their own mess, because they know how everything works the rules and the laws of the process and still took advantage of me knowing that im a beginner of this.

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 2020-10-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE ASK THE CREDIT COMPANYS TO LOOK INTO THIS ACCOUNT THAT IS NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Credit Karma, LLC
State: SC
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 just signed onto my credit karma account. Today is the XX/XX/XXXX. But I've noticed 5 hard inquiries. The first is XXXX XXXX  on XX/XX/XXXX I have no idea what that is. And the second is XXXX XXXX on XX/XX/XXXX. I've never went through XXXX XXXX I have no idea what company that is. And I have two XXXX XXXX  on my account one was inXX/XX/XXXXand the other was in XX/XX/XXXX. And I don't have any XXXX XXXX  cards. I've never had XXXX XXXX. And the last is XXXX XX/XX/XXXX I have no idea what that is I've never heard of that. So I believe someone has ruined my credit with all of that cause I've never been with anyone of those company 's

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: OneMain Finance Corporation
State: TX
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:
These inquiries have been corrected on all bureaus except XXXX. These inquiries are not mine. Please remove them. The inquires I do have with XXXX are from active accounts ; not these.

Company response to consumer: Closed with explanation