BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: BANNER CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Banner Bank changed the Connected Checking Account, no minimum balance fee that I opened on XXXX without my knowledge and charged me {$4.00} on XXXX, XXXX, XXXX, XXXX, XXXX and XXXX for a total of {$24.00} Banner Bank changed my phone number and email address sometime after XXXX so that I was unable to access my account online to view statements or notices.I was finally able to go into the Banner Bank at XXXX to get my online access restored so that I could access my statements on XXXXThe account was opened expressly because Banner Bank advertised free checking with no minimum balance fees but started charging minimum balance fee of {$4.00} starting XX/XX/XXXX. There was no notice informing me of this change on any of the statements that I was able to access on XXXX.I would like the {$24.00} for the minimum balance fees refunded and for Banner Bank to honor the original agreement for no minimum balance fees.I am including the statements from the opening of the account XXXX through the XXXX statement showing no minimum balance fee before XXXXI am also including the flyer from Banner Bank as of XXXX showing that there is no minimum ongoing balance required and no *************** Charge. 

There is no evidence that the supposed letter was sent in my online account once I gained access after a Banner Bank representative blocked my online access by changing my email address by 1 letter and changing my number by 1 number, which made the authentication codes needed to logon go to someone else.

My attempts to resolve this prior to this between XXXX to XXXX were unsuccessful. I have complied with the requirement that I was aware of to not allow the account to be inactive for 12 months as seen by my record of deposits. 
I do not have any certified mail to verify that a notice was mailed by Banner Bank. 
I maintain that I did not receive any notice verbally when making the deposits in person or via US Postal Mail. 

As of XXXX the {$24.00} in fees have not been returned to my account. 


Sincerely, This is the response received from Banner Bank via XXXX on XXXX ; Business response XX/XX/XXXX Thank you for bringing this complaint to Banner Bank 's attention. The Bank takes all complaints seriously. On XX/XX/XXXX, Banner Bank made changes to personal checking and savings accounts, the required 45-day account change notification along with new terms and conditions were mailed to all Banner Bank clients prior to the changes going into effect. The complaint has been forwarded to management for further review, no additional comments will be made due to privacy laws and regulations.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NATIONWIDE RECOVERY SV will not respond to my mail but somehow continues to verify 11 Collection accounts with XXXX  and XXXX. I have never received any letter directly to my address about this debt in which I would then have 30 days to dispute the debt directly with NATIONWIDE RECOVERY SV. I have disputed directly with them and XXXX  and XXXX. XXXX  and XXXX  continues to verify the debt but they wont even explain to me how or why it is verified. 

all collection information is listed below NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$1100.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$290.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$780.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I take advantage of XXXX yearly. When I applied for a home loan through XXXX in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on XXXX, XXXX, and two on XXXX. The six on XXXX and XXXX were created by XXXX XXXX. The two on XXXX were created by Bank of America. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are Bank of America.

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 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive a response.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/2023 I submitted information to XXXX XXXX XXXX to apply for pre-approval of our mortgage application. They completed a hard pull of mine and my wife 's credit reports. Later that day, my wife and I both started receiving nonstop unsolicited spam phone calls and text messages from people claiming to be affiliated with mortgage lenders, offering us credit, or falsely stating that we had begun the loan application process with them and they wanted us to continue. Over the course of the next 48 hours we have each received at least 100 different phone calls and text messages ( mostly phone calls ), despite blocking each new phone number when they call and don't leave a message.

When my wife answered the call from one of these people, they actually told her that they obtained her phone number and the fact that she had just applied for a mortgage loan from the credit reporting agencies. I believe this is an egregious breach of our confidentiality on the part of the credit reporting agencies. How can it possibly be lawful for these private entities to share our personal phone numbers and the fact that we applied for a mortgage with random solicitors, with whom we have no contact and have given no permission to access our credit files? I can only assume that the credit agencies are profiting off of this practice, and we want it to stop immediately.

Company response to consumer: In progress
Consumer complaint received 2019-10-01
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$500.00}, {$0.00}, {$7000.00}, {$5000.00}, {$3500.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

-CLOSED ACCOUNTS- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 







5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to submit a formal complaint against XXXX located in XXXX, GA., XXXX located in XXXX XXXX, FL., and Experian located in XXXX XXXX XXXX CA XXXX This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX, XXXX, and Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX, XXXX, and Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: In progress
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I just turned XXXX and was curious if I have a credit score. I went to this website called Trans Union and signed up to see if one exists. The site asked for my credit card number. I thought it was needed for verification or something. Now I see a XXXX charge on my XXXX for today XX/XX/20. I don't even have a credit score or report yet so what am I being charged for. I want my money back and this service cancelled asap.

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 2023-09-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had just called Credit Collection Services in XXXX to clear up an old dispute from 2018 which they placed with XXXX  in 2018. 
I paid CCS the total amount due and they agreed they would delete it from my credit report. After paying them and having it deleted from XXXX  about three weeks later they contacted XXXX  and reported that I owe them. This was clearly a case of " debt parking ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
PORTFOLIO RC XXXX XXXX XXXX XXXX They are reporting a balance owed and that my account is still open. 

" XX/XX/2019 ( 1 yr, 7 mos ) '' This information is invalid, this account is almost 10 years old now.

Statute of Limitations California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: SLM CORPORATION
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A loan was taken with Sallie Mae, account number XXXX, in XXXX. Complainant subsequently declared Chapter XXXX bankruptcy with this loan listed on the debt schedule, and Order of Discharge as issued on XX/XX/XXXX. 

The United States Fifth Circuit Court of Appeals Decision in Crocker, v. Navient Solutions, LLC, No. 18-20254, ( 5th Cir. November 21, 2019 ) states that such loans as the one mentioned above are dischargeable in bankruptcy. Therefore, this loan was discharged in bankruptcy on XX/XX/XXXX. The Respondent, Sallie Mae, the information regarding this loan was reported to credit bureaus as if it were not discharged. Many correspondences were sent to the Respondent informing them of their error, but no substantive response was received to these complaints. Respondent Sallie Mae was carbon copied on all disputes sent to the credit bureaus and was also noticed of these facts directly by letter. They are currently intentionally reporting the incorrect information right now despite the fact that this is a violation of the order of discharge and federal law. 

Any documentation or information regarding these incidents can be produced upon request. For your convenience, a copy of correspondence to and from Sallie Mae is included in an attached .zip file. Additionally, the .zip file contains a copy of any responses received and the bankruptcy Order of Discharge.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: PA
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:
This is a complaint to XXXX XXXX , XXXX for violating multiple laws in regards to the following account # XXXX. I had filed a cfpb complaint against this company to which they had responded that I had sign the contract. However, in XXXX XXXX , XXXX terms and conditions they agreed not to share my information with non affiliates to which they stated the the credit bureaus is an affiliate. Experian, XXXX, and XXXX is not an affiliate of XXXX XXXX , XXXX because they are NOT " credit bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If they believe otherwise, I demand that they send me proof that those consumer reporting agencies are indeed bureaus and it must be written in federal law. Additionally, I demand to be sent the book entries security of this account to validate this information. If they can not provide this, then they must remove this account from all consumer reporting agencies such as experian, XXXX, and XXXX, and any and all other 3rd party agencies. Further more, this company is violating the fair credit reporting act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX, XXXX ) making the report. Pursuant to 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX, XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. There are two inaccuracies with this account. The first is both XXXX and Experian are reporting two completely different information which is already grounds for removal. The second inaccuracy is that this account is marked as a charge off / cancelled debt and that can not be reported due to the fact that the IRS considers charge off as income. So in addition to validating this debt by sending me the book entries security, I am now requesting a copy of my 1099c that was filed when this debt was canceled/ charged off on XX/XX/2021 as I never received it. Lastly pursuant to the fair credit reporting act, to be more specific 15 USC 1681b, This also serves as my consumer instruction to remove this account from my consumer reporting a.k.a credit reports.

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 2023-09-22
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing 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 constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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