BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: U.S. BANCORP
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: Old information reappears or never goes away

Complaint:
When I was in college and dealing with some severe health problems, my parents stepped in and helped out with a credit card I had at the time with US Bank. According to my mom, she closed the account, not realizing the negative impact it would have on my credit. When I got older and viewed my credit report, I noticed a negative item from US Bank for this account, stating there was a {$260.00} balance that was charged off. I contacted the local branch closest to me ( XXXX XXXX XXXX XXXX ) in XXXX where I was working at the time and made arrangements with the branch manager to pay IN PERSON in several installments. This balance was fully paid as of 2015 at the latest ( I no longer have the specific dates ; I threw out the receipt last year because they told me at the US Bank branch that everything was current ). I have disputed this with US Bank directly, as well as XXXX, but each company tells me I still owe the {$260.00}. This information is simply incorrect and it is hurting my credit years later.

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 2022-05-30
Company: TRUIST FINANCIAL CORPORATION
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On or, about XX/XX/XXXX I attempted to get my home and decided to go with Gateway Mortagage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Gateway Mortgage Group, a division of Gateway First Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX office ( XXXX ) XXXX mobile ( XXXX ) XXXX fax XXXX And attempted to get a PREQUALIFIED. When that when smoothly. I was assured that my XXXX was {$270000.00}. I then proceeded to go shop for a home for my son and I. Once finding our home I started the process by giving the owners XXXX or, XXXX XXXX of earnest money. After several conversations and several factors that came to light by the end of the month. Primarily my credit score. XXXX XXXX decided it was best to wait til this credit cleared and THEN close on the loan. 
By that time I missed my option period and loss my XXXX due to time constraints. I then received the bad news XX/XX/XXXX that the loan is no longer going to be able to move forward. I feel this shouldnt have been brought up at all. I gave every document with email traffic to prove it. She then proceeded to blame me for my typo when Im fact they have a screeners and safety checks to ensure this doesnt happen. I want my XXXX money back and all I got was I cant. 
As a XXXX I am now without a home and loss what little savings I had for this. Please help me! 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan with Bank of America was first a fha loan now it is a conventional loan which I have not signed any documents changing my loan or spouse. I have request for information on changes to my mortgage loan and I have been getting the no response! Bank of America Mortgage has in copy & past signatures before robot signatures me and spouse.

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 2023-04-09
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: Personal information incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this 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 # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXX, Dept of Ed/ XXXX : # XXXX XXXX XXXX : # XXXX these accounts have violated my rights. 

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

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but XXXX isnt doing its job according to the law.

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 2022-12-03
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: Account status incorrect

Complaint:
Good evening, I received an alert from myfico.com that my Transunion score dropped XXXX points. I was shocked and could not figure out why. I checked and it said that a personal finance report was removed from my report. I am not aware of anything as when I checked, nothing was removed. All my accounts open and closed are accounted for and this is upsetting for them to report such a big drop when nothing in my report is missing. Please correct this. 
Thank you.

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 2023-01-27
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a letter stating that my XXXX application was denied. I provided proof that I have over XXXX XXXX of public service. However, the letter stated that I did not make any payments during my public service employment from XXXX - XXXX. I applied for the XXXX and limited waiver, not the regular XXXX  program. I would like my application to be reevaluated under the correct program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: FL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
My wife and I have an account with Chase United Explorer. We use this account to buy tickets when traveling on XXXX XXXX. XX/XX/2023 I purchased XXXX fully refundable round trip tickets from XXXX XXXX to go XXXX to XXXX and back for {$1400.00} each. During XXXX, when making arrangements for hotels in XXXX, I made XXXX changes to those tickets on the same credit card. I have a spreadsheet showing the net for all this activity became XXXX fully refundable round trip tickets from XXXX XXXX to go XXXX to XXXX and back for {$1400.00} each. The tickets were for flights outbound XX/XX/XXXX returning XX/XX/XXXX. On XX/XX/XXXX my wife was being treated for a XXXX XXXX and we decided that we had to cancel our trip. I called XXXX XXXX and asked for a refund. They said that my tickets were not both purchased on the same credit card and that they would only refund XXXX ticket. I argued the point. Finally, with not resolution in sight, I put XXXX of the original tickets for {$1400.00} on the Chase credit card into dispute. I considered this a placeholder until XXXX refunded both tickets on my credit card. After some more back and forth with XXXX and faxing them a spreadsheet showing all the credit card transactions and what they added up to, XXXX agreed to credit my XXXX account for the full XXXX ticket amount of {$2800.00}. They did this on or about XX/XX/XXXX. The money showed up as XXXX - {$1400.00} transactions on my credit card a day or XXXX later. I then called Chase Customer Service and asked them to put this money back into the checking account that I use for paying this card. They did this on XX/XX/XXXX. However, for reasons that I can not comprehend, they removed all trace of the XXXX credits from my account. Also, the XXXX Chase statement started showing a - {$1400.00} XX/XX/XXXX XXXX credit that was not carried over in the totals for that bill. In the middle of XXXX Chase Disputes called me and asked if they could remove the suspended payment. I asked them why it wasn't removed when XXXX XXXX and I settled the dispute a month earlier. They had no excuse but said that they would remove the dispute now. A few days layer I saw that the {$1400.00} was now showing as something that I owed Chase Credit Card company. I called Chase Credit Card XXXX and Disputes to get this corrected. Credit Card Services said that they understood but that Disputes had to fix this. Disputed refused to fix it. I could not get both on the same phone call. Finally I faxed and then mailed all this information ( account statements, spreadsheet, cover letter ) to Chase. They responded with a standard letter saying that they could not find any evidence of a billing error and that the charge would remain on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting 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.

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: Experian Information Solutions 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:
Experian is reporting 30day late payments on three of my accounts XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to 15 U.S Code 6802 States that a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any personal information. Experian is the third party and is in direct violation of this code. This type of reporting is also violating my right to privacy. Privacy Act 1974, Experian never disclosed to me that I could opt out but assumed I opt in to this negative reporting, THAT IS INFACT IDENTITY THEFT.

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 2021-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have overdraft protection and yet the Bank of America keeps charging me a {$35.00} overdraft fee! I have three times written to XXXX XXXX .... the branch manager in XXXX, New Jersey but she never has the courtesy to answer me. Yet again I received a bank statement with a {$35.00} overdraft fee!

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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have now disputed this Item twice and the bureaus have failed to respond. They have also failed to notate in the summary the account was disputed within 30 day time period this is a violation of 623. I sent letters out XX/XX/XXXX and XX/XX/XXXX. Date of last activity is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. High credit is being reported {$8800.00}, {$0.00}, {$8200.00}. Transunion, XXXX  and XXXX  have failed to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: MERCHANTS ADJUSTMENT SERVICE, 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 declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute I also understand that knowing and willful misstatements or omissions of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001 Additionally. these misstatements are punishable as perjury under 18 U.S.C 1621 This collection found within My credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
So, since XXXX I have been trying to get this company not only to verify that these accounts belong to me, but also confirm they are accurate. Every month since I have repeatedly asked them to do an investigation into the legitimacy of these accounts as me and my son have the same name, and they continue to tell me that they are all verified as accurate and reporting correctly. Every month they send me templates telling me that what Im looking at is correct, when I can clearly see whats being reported is reporting incorrectly. It is now XX/XX/XXXX and the same accounts have not been proven verified, as I have requested proof of method of verification and again nothing. 
Obviously, a violation of section 623 that you continue to violate! 
I have attached my most recent credit report as of XX/XX/XXXX and all my other credit reports from the last 4 months. I have also attached all the accounts listed with erroneous errors that need deleted for this reason. 
My credit is being destroyed because this company will not do its job! 
Im REQUESTING the following! 
I would like the CFPB to look into the situation with this company and have the listed accounts removed for incorrect reporting and failure to comply with section 623. 
I would compensation of {$1000.00} for each violation found on every account. 
I want my personal information to read as XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/XXXX as birthday, and XXXX XXXX XXXX XXXX place of work. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX CREDIT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX please remove these 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 2023-01-27
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Base on your last reply, you sent breakdown of debt/charges. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : SOUTHWEST CREDIT XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my SIGNATURE from T-Mobile. A break down of charges is not considered verification of debt, therefore if you can not provide the original contract that contains my signature then this account should be removed from my credit report within 30 days. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
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:
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. 

Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account Name : XXXXXXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, 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 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 response to consumer: Closed with explanation