BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I attempted to pay the company that owns my apartment in the amount of {$310.00} on XX/XX/XXXX for fees associated with my living space. On XX/XX/XXXX, the money was re-added to my apartment 's list of charges, along with a Non-Sufficient Funds ( NSF ) fee of {$100.00} added onto it. Checking back later, on XX/XX/XXXX, I found that I now owed {$430.00} as a result of the company not receiving the previous funds, the NSF fee, and late fees. I immediately attempted payment again, only for the same incident to occur again today on XX/XX/XXXX, with another NSF fee applied, resulting in {$530.00} being the money I now owe. On both occasions, I attempted payment with XXXX. 

Panicking, I check my bank statement to find when I sent in the money. I vividly remember having the appropriate funds prior to paying the landowning company on both occasions, and when checking my balance after, I found that the amount of money I sent in was missing from my account. However, I can not find the money listed anywhere on my account. 

I had called the number on the back of my US Bank XXXX XXXX for assistance, and was told by the agent I reached that the transactions never occurred. When I asked where my money went then, the agent avoided answering directly, and suggested I speak with the merchant I paid. I then discussed the problem with my leasing XXXX, who stated that most tenants in the building I live in pay their bills with XXXX, and that no one else had this issue. 

I am now missing {$740.00}, and I can not find when or where they went on USBank 's XXXX XXXX site, or their mobile app. I then checked online and found that earlier this year US Bank was fined {$37.00} XXXX for stealing from their customers, and I fear they've simply found another way to do so, and that I've become a victim.

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 2023-04-24
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX XXXX put a collection of {$630.00}. They say it was opened on XX/XX/2019. They state that the original creditor was XXXX XXXX XXXX i have never contracted them for any service. I have never received a bill or invoice not even a call. I was surprised by this collection on my credit. I called first XXXX XXXX and to my surprised they did not have any information like my address or social security number or even telephone number. The only information they had was my birthday and name and that meant the collection belonged to me. i asked them why they were collecting money from me they insisted that i have pay regardless whether i know or dont know about it or else the collection will continue to reflect on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: MA
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 am writing to bring to your attention a dispute I have with Equifax regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax to address the following discrepancies, but to date, I have not received a response. I believe these issues warrant immediate attention and resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX : Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX dispute the accuracy of the reported information, specifically the balance of {$5900.00}. I am uncertain about the validity of this amount, as it appears higher than what I recall. Furthermore, the account is presented as closed and charged-off, and therefore, the Past Due amount should not be provided. I intend to clarify this matter with the creditor. In the interim, I request Equifax to mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


XXXX XXXX : Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX dispute the reported balance of {$4200.00} as inaccurate. I believe the correct amount is lower. Moreover, as this account is closed and charged-off, the Past Due amount should not be presented. I request Equifax to mark this account as disputed until my dispute with the creditor is resolved. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/2023 I notice that XXXX cent had been transferred out of my account to another by using XXXX! I call PNC bank to tell them about it, they said they would investigate, across they said I did it after I told them my email has been compromised on the dark web! With that being said my email is hook to XXXX and my bank account! I change my password like they said! But just got a letter saying its my fault, how is PNC able to investigate XXXX when they one of the owners! This is fraud alway around and PNC is involved in a class action lawsuit because of XXXX! Not right Im getting a lawyer involved, I did not transfer no money to this person! If anyone no how they can help me my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
- FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
Victim of XXXX  XXXX security data breach. Currently undergoing XXXX XXXXXXXX data breach settlement case. The inquires listed below are inquiries not initiated by myself nor did I receive a phone call my phone number had been changed and I unintentionally failed to update it with the credit bureaus. 

XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Business type : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2022-12-20
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX used AmSher collection service, to collect bills of {$770.00} from me for services that I never used, and have reported this to the three credit bureaus which significantly hurt my credit score and other activities. 
I have explained this to the AmSher collection service and point out they do not have evidence of this collection and they continued to enforce this payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: M&T BANK CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Our former bank, People 's United, was acquired by M & T Bank and the merger was completed this fall. We moved most of our banking accounts to another institution but left about 17 credit cards with M & T. 

We have attempted to made timely payments on our accounts each month ( XXXX through XXXX ) and there have been multiple issues every month. Including : *Checks cashed but not applied for over 15 days. 
*Checks said to be missing ( so we paid another way ) then found and later incorrectly applied a month later. 
*Online payments that said " accepted '' later not posted ( resulting in late fees ) with no notification of the decline or the payment. 
*We have attempted to may payment at a branch ( told impossible ) It has left us with literally no way to make a timely or accurate payment and hundreds of dollars in late fees and charges. The bank is working with us to reverse these but it has taken days of our very limited resources to work out. I'm told we are not the only customer experiencing this. The processor is a company called XXXX run by XXXX. I don't know if it is the fault of a rough merger integration, something in XXXX or what but I do know that as a consumer, I'm trapped in unavoidable fees and a circle of accounting problems. 

We are moving our cards to another institution but I thought it important for the CFPB to check in with M & T and ask how it is going. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
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: Investigation took more than 30 days

Complaint:
- FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Lendmark Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Loan is over 7yrs old and this loan shouldn't be on my report. 
Company Name Lendmark Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent these credit agencies a certified letter about the inaccuracies on my credit report and Experian, XXXX and XXXX Stated that they have verified these accounts as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX I still found that the same inaccuracies on my report

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 2023-07-07
Company: Experian Information Solutions Inc.
State: GA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 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 2023-04-20
Company: Experian Information Solutions 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:
I have credit inquires on my credit report that I don't recognize and I never gave them authorization to run my credit multiple of times or don't recognize at all XXXX 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 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 2022-12-20
Company: Experian Information Solutions 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:
This is in addition to complaint : XXXX. 

This information has been forwarded to Attorney Generals : XXXX XXXX  ( Florida ) XXXX XXXX ( Maryland ) This information has been forwarded to XXXX XXXX the Director of the CFPB. A lawsuit will follow.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Well on credit karma on my Transunion it shows I have XXXX hard inquiries starting from, XX/XX/XXXX to XX/XX/XXXX. These hard inquiries are really holding my XXXX XXXX down.

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 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America owes me {$160.00}. 

I had a credit balance of {$160.00} on my credit card. 
On XX/XX/XXXX I requested a check. 
Check never arrived. 
On XX/XX/XXXX I requested the credit be put back on the card. 
Credit was never put back on the card. 
On XX/XX/XXXX I again requested the credit be put back on the card. 
Same run-around. No credit on card. 
I'm fed up.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: AZ
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:
I hope this message finds you well. I am reaching out regarding an issue with a collection from XXXX that is currently reported on my credit report. 

Despite several attempts to resolve the matter, XXXX has not been able to provide definitive proof that the debt is mine, such as a notarized contract or other binding documentation. Without this concrete evidence, it is unreasonable for this collection to continue to be reported on my credit report. 

According to the Fair Credit Reporting Act, all information on a credit report must be 100 % accurate. Given the current circumstances, it is evident that the validity of this debt is in question, making its presence on my credit report potentially inaccurate. They keep reporting that it is within FCRA requirements but this isnt true, my report isnt 100 % accurate. This collection should only be reported once and not every month as well which proves this isnt 100 % accurate. 

In light of this, I am kindly requesting your assistance to remove this XXXX collection from my credit report until such time as they can provide proper evidence of my obligation to the debt. 

Thank you for your immediate attention to this matter. 

Best regards, 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