BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
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: Their investigation did not fix an error on your report

Complaint:
On date XX/XX/2022, I sent Experian, XXXX and XXXX a letter disputing the validity of my bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX  to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from there database. 

I then went back to Experian, XXXX and XXXX on XX/XX/2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified their item it need to be deleted regarding to the FCRA. They have once again refused to delete item which is Imploding on my ability to purchase a home and costing me lots of money in interest every year. I also asked them to delete addresses that were incorrect on my credit with proof that Ive never stayed there and they still refuse to delete it. 

The addresses and bankruptcy needs to be deleted from my credit report if it cant be verified within 30 days. Its already hard enough out as is and they are making things harder for not only me but my children due to reporting false information. Addresses that does not pertains to XXXX XXXX needs to be deleted and so does the bankruptcy

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 2023-09-26
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On or about XX/XX/2023, U.S. Bank NA debited my personal checking account an account maintenance fee and a sales tax in two separate, respective line items. Typically, this fee is posted on the XXXX of the month taking into account weekends and holidays. The date this particular fee was posted was unexpected because XX/XX/2023 was a Friday, a non-bank holiday, I had supplied sufficient funds to cover this fee and had it posted as expected. The amounts are then returned with almost immediate effect. However, in the interim period, if there are not sufficient funds available in the account to satisfy this temporary fee, a negative balance is rendered. I believe this predatory action is deceptive and designed solely to maximize the number, frequency, and amount of unjustifiable junk banking fees generated against account holders.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The scoring models used by the credit agencies are CLEARLY FLAWED as shown last XXXX when XXXX reported millions of inaccurate scores to lenders and absolutely damaged consumers. 
The use of SCORES should be abolished and we should return to the days when a lender actually had to look at the report, study the person 's creditworthiness, and make a decision. 
I plan to file legislation through my Congresswoman to abolish all credit scoring. 
The bureaus should opt to remove it themselves PRIOR to this because a class-action will be part of it.

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 2021-07-24
Company: General Motors Financial Company, Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account is 10 years old and was scheduled to be deleted almost a year ago and still remains effecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
Account were not verified with thorough investigation. I have not received verifications.

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 2023-09-25
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They kept harassing me for months about alleged debt collections, from various numbers all times of the day and night. Also sent letters to addresses I do not stay nor did I approve or consent to my information being sold to solicitors to harass me and have my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-09-27
Company: MIDFIRST BANK
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Hi Governor, thank you for getting back to me. I have a 30 year mortgage, and I purchased my home XX/XX/1997. Long story short, a couple of years ago my escrow account came up short of {$2600.00}. When I contacted Midland Mortgage about a resolution to get caught up on my escrow shortage. The mortgage company advised us that there was an easier resolve, that they can just put the {$2600.00} at the end of our loan. Being as though we had a previous shortage from about 9 years ago placed at the end of our loan we felt that it was okay to do that. They told us is that all we had to do was to get the agreement notarized and send the papers back to them. We purchased our house for {$57000.00}. Earlier this year I started paying more attention to our remaining balance. I noticed that it states a remaining balance of XXXX. When I asked the mortgage company about it they told us that by moving the {$2600.00} escrow shortage to the back of our loan gave them the right to lock us into our mortgage with a new maturity date of XX/XX/2057. XXXX XXXX I am XXXX with XXXX XXXX, I won't be alive in XXXX. Midland Mortgage told us that they're not obligated to advise us of the new maturity date, that they're allowed to do that. I have been trying to contact legal help, I wrote to the Attorney General 's office. Please, I need help. I am a XXXX XXXX that was XXXX XXXX XXXX when I purchased my home. Very rare coming straight from project housing. Can you 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 2023-09-25
Company: Upgrade, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My upgrade card sent to XXXX {$3800.00} on XX/XX/22 and I never received this card. Upgrade will not dispute the charge since it's past 60 days. I thought the payments were going towards my other loans with Upgrade, I have no notification of this card being used until I saw flags for transactions last night. I did file with Upgrade that i never received this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company. 

This is my 2nd attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General.

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well.

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 2022-10-15
Company: ENCORE CAPITAL GROUP INC.
State: NC
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:
Midland credit management balance {$130.00} XXXX XXXX XXXX balance {$110.00} In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I tried to cash a ( XXXX dollar ) check with capital one on XX/XX/XXXX. Shortly afterwards my account was put on hold. After a while I tried to contact them and only got a voicemail. Only after contacting their XXXX support nearly 3 weeks later I finally am informed that the check has NOT been accepted and my account had been closed. I take them at their word and deposit the check in another bank. A week later I received a call from the second bank ( XXXX XXXX ) that my account is being put on hold since I had already cashed the same check! Upon further research, my capital one account appears to still be open and the check deposited. When I tried to get in touch with capital one, I'm still having the same issue of getting a voice mail with nobody ever calling back! As of now it's been over a month with no resolution. This has also affected my standing with ally bank, as they now suspect me of fraud since I deposited the check again that I was told was never accepted. To be clear - my account has been on hold and inaccessible the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: CA
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 XXXX Account # XXXX XXXX. XXXX Account # 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 2021-12-22
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Within the last three months and never gave me a chance to squash legally or denied and be notified assisted the criminal illegally to commit fraud then denied the rightful entity she was obligate as the branch manager to be concerned about this matter she said she was was sorry numerous times assuming liability personally as I am about sure she knew she would incriminate herself XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a payment to my attorney and they money hasnt been available. The payment was made on XX/XX/XXXX. We have tried to call a minimum of 7 times and we get different answers every time we talk to PayPal. Each time we are on the phone with them we get disconnected when we are on the call 20-45 minutes this has happened a minimum of 5 times on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Lucie, Scalf, Sutton & Bougher, Attorney At Law
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, on XX/XX/18 at approximately XXXX, I answered the company phone at my job and it was a call from a collection agency. XXXX XXXX from XXXX, XXXX, XXXX, XXXX XXXX stated that she was calling to talk about garnishing my check. She did not know it was me answering the phone but gave my name out and specifically stated she was calling about garnishing my check. I am not over HR. I am just a regular employee in the office. She didn't ask for my name until I asked was it illegal to give out employee 's name 's regarding garnishing checks to any employee. 

I called the office to speak to the supervisor and was transferred to her number. After I told her not to call the office giving out my personal information, she stated it was not illegal because she sent a letter in the mail to my boss so that made it public knowledge. I am not a lawyer but I did study some business ethics and I know that is not true. She is only allowed to discuss collecting a debt with me or my employer/the person responsible for issuing my check. As a supervisor, I would also expect her to be competent enough to not make such a mistake no matter how eager she is collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: VA
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2021-12-22
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In the beginning of XX/XX/2021 I received a letter from from chime stating that IRS was requesting documents. ( During covid my divorce finalised and was waiting to change my name ). The letter said no later than the XXXX. On the XXXX I messaged them asking how I can send them and what documents were needed. I turned all the information in, they sent me a email congratulating me about my name change and sent me a new card. I activated it around the XXXX of XXXX used it and by the XXXX my account was closed. I tried getting in contact with someone and an automated voice over the phone just said my account was closed and I cam reach them over text chat on the phone app. So I tried logging in only for it to tell me that I needed an account to log in. So I reply to the last email I had with them and they said we never got the info. Immediately I responded with that was incorrect and sent them a copy of the new debit card and my new ID. They responded back and said that's just your ID we need the other information. So I sent it another time. Waited a few days with no response. So I keep messaging them, still no response. Finally, I said forget it and said I want the account closed and to send me the money in the account ( 7,000 dollars and maybe more because my child tax credit is usually deposited around that time ). Still no response on anything about my money. Its been over a week and I haven't heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: 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 non-monetary relief
Consumer complaint received 2022-12-07
Company: Factor Trust
State: NV
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. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX  because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts

Company response to consumer: Closed with explanation