BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: U.S. BANCORP
State: OR
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a {$250.00} US Bank prepaid card from a XXXX XXXX XXXX. I gave it as a gift, and the person I gave it to said it had a XXXX balance. I talked to the store, who told me to call the number on the card, which I did. The person I talked to was nice enough to tell me that a batch of the cards had been compromised before they were sent to the stores. I then called the XXXX XXXX customer assistance line and the number on the back of the card multiple times. Finally I was told that they would send me a replacement card, if my appeal was successful, within 90 days. 

This is totally unacceptable. XXXX XXXX sold a card with no value. US Bank knew it was selling cards with no value. So far I've spent an hour and a half trying to resolve this, and if I'm successful may have my money in 90 days. 

The most galling part? There's no way I can take action against US Bank. I can yell at the customer service person, but this doesn't do anything but make me feel like an XXXX. US Bank has completely insulated themselves from these complaints, which means they have zero incentive to fix these problems. So I'm whining to you, but this is just to make me feel like I've done something to move this rotten system in the right direction.

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 2017-05-04
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:
I filed disputes with Equifax. They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation within XXXX days or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All equifax did was send me a response saying the accounts were n't reporting which they are. Equifax - A medical bill with an account number listed of XXXX and {$490.00} balance, A medical bill of {$81.00} with an account number listed of XXXX, A medical bill with an account number listed of XXXX for {$57.00}, A medical bill with account number of XXXX for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also XXXX XXXX. I also filed disputes with XXXX and XXXX they have not responded to my request for proof of investigation which was over 52 days ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with equifax. I am following up with this complaint in hopes that they really do an investigation this time. XXXX - XXXX XXXX XXXX and XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in 30 days. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have not checked my credit report for many years. When I finally did, I was shocked at how many incorrect information was on it. 

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 7 years.

15 USCs - 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following incorrect names must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: I.C. System, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint with the CFPB about XXXX unlawfully, illegally, and without written consent from me the consumer reporting derogatory items on my credit report. I filed this complaint on XX/XX/. I received a response that XXXX was " investigating ''. I did not request an investigation, I requested immediate deletion due to no written consent from the consumer and inaccuracy. XXXX also responded that during their investigation they contacted a " data furnisher '' to verify the accuracy of the account. I am reporting XXXX, this is not only illegal this is unethical and not the proper way to validate any alleged debts. I am the consumer, I am the only person that can verify the validity of an alleged debt. XXXX illegally reached out to a third party in order to verify information about me the consumer and did not once reach out to me to confirm or deny the validity of these alleged accounts. Any person claiming I owe this debt without my knowledge or including me in the conversation is violating my rights to privacy as a consumer. XXXX also responded that they've updated aspects of the account which is also illegal. I did not now nor ever give XXXX permission to put false, inaccurate, and financially degrading information about me on their reporting platform. I also received feedback from XXXX that one of the accounts that I disputed would be deleted and that account is still reporting on my credit report despite them claiming they deleted it off my report. This has effected my mental and emotional well being, in addition this is directly negatively impacting my livelihood and creditworthiness. I'm trying to resolve this amicably before bringing the courts into this because then I will be seeking {$1000.00} in damages for each violation.

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 2023-05-01
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:
In accordance with the fair Credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 5 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 non-monetary relief
Consumer complaint received 2019-08-07
Company: Central Portfolio Control Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I got a call on my cell phone from the number XXXX XXXX XXXX XXXX. The lady told me she was from Central Portfolio Control and that she wanted to verify some of my personal information over the phone with me regarding a business matter. I told her I do not have any written notice about this issue. She told me she was calling from XXXX, MA and that a notice was sent to me on XX/XX/XXXX. She stated my address of XXXX XXXX XXXX, XXXX, MA XXXX. I did not confirm any information with this person over the phone and stated I did not get anything over the mail. She said to give it a few days and I should get something in the mail. I then hung up. This person did want to verify my personal information over the phone and was very insistent and I refused to do so over the phone. 

Please help me verify this matter with this company and if I can have written proof of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
transunion did not provide proof of valid debt for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have tried to cancel this service multiple times over the last 2 years however when I last contacted them XX/XX/XXXX, they claim they are unable to find my account. This is not the first time I have tried and each time I become so mad and frustrated I give up. Experian has now sent me an email stating they will be increasing the monthly service for the membership I do not want and they seem to not be able to find when I try to call or email them. I have not logged into their site in over a year and can't reset the password when I have tried because " they can't find my account ''. I have no desire or value in this service and have not wanted it in some time. Their IVR in the phone system is a joke- no matter what prompt you push you CAN NOT connect to a live person. HORRIBLE HORRIBLE company.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencys, which is Experian, did not modify or remove anything.

The date open is not correct date last active is not correct on all three credit reports. Date of last payment is not correct on three credit reports.

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

Ive attached my previous credit report, and my new credit report to show how Experian violating my rights.

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 2018-10-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018 I discovered unauthorized debit of XXXX USD 3 times for a total of XXXX USD from my checking account. I contacted Citibank same day to notify them of the fraud. Representative took the information and informed me they will issue me a new card and that I'm not liable of the unauthorized transaction as well within 10 days I should receive a temporary credit of the missing funds. 
Within perhaps 1 to 3 hours after filing notice of the missing funds I receive a notice via email of the account being closed and that I have 30 days to remove any funds I have as the checking account will be closed!! My money gets stolen and even before any investigation on their part I get notice they are closing my account all together!! I opened the account few weeks before to take an advantage of their promo if you open new account and deposit XXXX USD and maintain it for 60 days you will receive XXXX USD. That obviously never happened as they simply kicked me out for reporting missing funds!! I did not care that they dont want me as their customer but on XX/XX/XXXX I received a notice of their investigation that since my card and pin was used they will not issue me a credit back for the missing funds! I have no idea how someone obtain my pin or used my card ( since I never received their original debit card, only the replacement ). Horrible practice, abuse of power, to close an account even before any investigation is a strong indication of profit before service and care for customer.

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 2017-05-04
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have an issue with  Sallie Mae because they ca n't offer me any type of repayment plan that is in line with my income. They said I gave up the right to graduated payments because I had to go into forbearance while I searched for another company to refinance with. I do n't qualify with any of the other finance companies because I do n't make enough money. I called Sallie Mae twice   today to ask if there was some way I could avoid defaulting on the loans and sparing my co-signers credit  XXXX . I offered to make payments on the loans but I ca n't afford the full amount.  Sallie Mae told me that I would have to let the loans go into default or delinquency for  XXXX  days before anyone in Sallie Mae Collections  would call me to ask me why I was n't making full payme nts. Only then, would they offer me alternatives. This is, of course, after everyone who co-signed with me has a  XXXX  late on their credit report which lowers thei r credit score significantly. I owe Sallie Mae {$170000.00}. The payments are {$1500.00} a month. I can pay maybe a {$1000.00}. Even this amount leaves me with no disposable income. Sallie Mae wo n't work with me. I 've tried every possible alternative I can think of before  just defaulting on the whole mess. And taking my whole family down with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 believe I was subject to identity theft. There are fraudulent accounts on my report that I do not recognize. They are listed below. Please have these removed ASAP as they do not belong to me. Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
there is information on credit report that do not belong on the report done dispute several time with Experian and they keep saying that the report is updated but there is no change why are they saying there is an update have never done business with XXXX XXXX XXXX XXXX having problem removing it from report or get it deleted Experian say i should contact the CFPB

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 2017-05-03
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It is shown that the following agenc y,   XXXX   XXXX   XXXX    with an address of  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  phone number (  XXXX  )  XXXX , are not bonded in Texas and can not legally collect debt. They are active on my report as of  XXXX   XXXX ,  2017 in  the amount of {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Upon checking my credit report on Equifax, I see they are reporting inaccurate information about me on my report. There is a collection report by XXXX XXXX. this alleged account listed as collection with a past due balance reporting and this alleged collection account statues states its open. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards by the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
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:
On   XXXX     I contacted  XXXX   XXXX  in  XXXX  Florida inquiring about a vehicle. I was told to submit my information into their website for pre-approval  WITHOUT  a hard inquiry. No impact on my credit score. I called and confirmed this several times with the sales person, the pre-approval was soft inquiry with no impact on my credit score. The next day I received an alert that a hard inquiry had hit my Equifax report. Upon checking, it was  XXXX   XXXX . I contacted the dealership and was told that they were mistaken about the inquiry and I asked them to remove it.They said they would look into it and get back to me. After a few days with no response or removal, I again contacted them and I was told that they did not have the ability to remove the inquiry. I disputed it with Equifax only to have the dispute closed within  XXXX  hours stating the inquiry was validated as accurate. I contacted Equifax and they told me that only the dealership can remove the inquiry meaning the dealership lied to me both about the inquiry in the first place, but also that they ca n't remove it.     I did NOT authorize this hard inquiry and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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:
EXPERIAN IS ROPORTING, FOR XXXX AND ITS NOT 100 % ACCURATE AND THEY ARE EITHER INACCURATE, UNVERIFIABLE AND INVALIDATED. HOW CAN THERE BE TWO DIFFERENT ACCOUNT NUMBERS FOR EXPERIAN AND XXXX. ALSO DIFFERNT BALANCE AMOUNT. IN ACCORDANCE WITH TH FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND 15 U.S CODE 1681 e ( b ) AND 15 U.S. CODE 1681i ( 5 ) these accounts are in violation of not reporting 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 2022-04-06
Company: Experian Information Solutions Inc.
State: CA
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:
This all started back in XXXX. I have sent them over XXXX documents in the past months and have sent they XXXX more since then. They keep coming back to me with more an more updates. I'm almost done with them. They keep getting high interest from me every month. They will not even help me get my credit report activated again. I have sent them a letter requesting them to put me back on the credit reporting. And they have refused me. They have also said to me that they need clarification over and over again. This should have not taken XXXX  months to do. I have sent them month after month of Bank Statements. I need your help with this please! Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation