BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: U.S. BANCORP
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 status incorrect

Complaint:
US Bank Home Mortgage put us on a payment forbearance plan that started XX/XX/22 and ended that XXXX. We were advised that due to a medical hardship, we did not have to make any payments during that time ( see attached documents ). When the time came to pay, rather than the payments just picking up again, US Bank now considered us as months past due. Whereas they had, in writing, advised that no payments were to be made, they actually were counting each of those agreed upon months as past due. We have disputed both through the credit reporting agencies and with US Bank to have the past due payments removed from our credit report, but US Bank continues to say their reporting is valid.

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 2018-04-24
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an occurring and frustrating situation, when you are being harassed mentally and emotionally by a debt that is not yours. After many failed attempts to remove this account, as promised by The FCRA, neither reporting agency has ever provided me with physical verification of the issue at hand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: CO
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 completely disagree with the results of this Company. The account I listed still remains on my credit report in violation of Federal Law. XXXX and Experian is required under the FCRA to have a copy of the original creditor ( s ) documentation on file to verify that this information is indeed mine and is correct. In the result of their previous investigation, TransUnion stated in writing that this account was verified as accurate? They also mentioned that they are not required to reinvestigate this item. However, in court case on 06/09/1997 Cushman Vs. Transunion Corporation. No. 96-1553, XXXX  is required by law to follow reasonable procedures to assure maximum possible accuracy of the information contained in the credit report. Under Section 1681e ( b ) I also went ahead and contacted the court, and they mentioned that they do not provide information to any websites, internet search engines, third parties, and/or any credit reporting agencies. TransUnion must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1681e ( b ).

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 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
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:
Experian show I have two XXXX that I don't. XXXX XXXX verified I have no XXXX but Experian did not remove

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 2023-04-19
Company: EQUIFAX, 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:
I am writing to dispute an illegal collection that has been reported on my credit report. The collection is for a debt that I am not responsible for, as it was incurred due to a work-related injury covered by workers ' compensation in Texas. 
According to Texas Department of Insurance, Division of Workers Compensation, providers/collectors are required to send bills related to workers ' compensation claims to the carrier. However, the collector in question has disregarded this requirement and reported the collection on my credit report.

This action constitutes a violation of my rights and is illegal.

The continued listing of this collection despite previous investigation suggests that Their procedures have not been adequate in this case. I have attached copies of the relevant documentation, including the workers ' compensation claim and the insurance carrier info, to support my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: SYNCHRONY FINANCIAL
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 XX/XX/2022 I reviewed a copy of my credit report and noticed the following information regarding inquiry below to be in error. Per the Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 

The following inquiry is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

1. PAYPAL SYNCBPAYPAL I reached out to Paypal who was not of any assistance to address this issue and directed me to contact the credit bureau to delete this inquiry from my credit report. 

I contacted XXXX to investigate and provide evidence that Paypal says that they have pulled my credit report with my permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit. 
2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission. Please include documentation of said permission. 

XXXX sent a response explaining why the inquiry is on my credit report and didnt appear to investigate this matter at all.

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 2023-08-20
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:
CFPB, just wanted to let you know Experian has violated my rights and we have a major problem. Experian is causing harm and injury to me by committing identity theft, and non-disclosure fraud /miss use of my personal information and there was a reporting that just took place on my report, and I know that I never never never consented in writing authorization and permission for consumer credit reporting agencies to furnish my personal information to non-public third parties I need this negative and false fraudulent information and reporting to be deleted from my account immediately this is causing me injury and harm and you are in violation of my privacy and my unalienable rights. Please have Experian delete and remove and block. Any negative information and urgently update, correct fix amend, remove block any negative information furnished to any third-party without my consent without my written consent and I know by law companies must have the consumers written permission to furnish any information and credit bureaus or credit reporting agencies must also get the consent of the consumer, which is me and I did not consent. I need all of the negative remarks experiences items that have been fraudulently placed on my consumer credit report to be immediately removed, make sure this is investigated and re-investigated in the method of delivery and how they verified the investigation. Make sure it sent to me to my address XXXX XXXXXXXX XXXX XXXX, XXXX,, make sure this is investigated and re-investigated in the method of delivery and how they verified the investigation. Make sure it sent to me to my address XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX. Thank you so much.

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 2019-02-15
Company: Experian Information Solutions 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:
I have written to both XXXX, Experian, and XXXX XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. XXXX XXXX is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.

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 2021-04-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells fargo has not addressed all my issues. I have never harassed their employee XXXX XXXX. After doing all the running around of getting the new account opened they closed it because XXXX XXXX " Falsely Accused '' me of harassing her while i was in the bank. It was a set up from the get go, for XXXX XXXX to be at the bank when I got was finishing up opening my new account. XXXX XXXX had it all planned for me to get arrested. She was coming around me I wasn't coming around her. She slandering my character to her co-workers and they believed them. But the police didn't arrest me, they walked in the bank and looked confused looking like there is nothing going on here. It seemed to anger XXXX XXXX so she lied to XXXX XXXX who then sent me a very hostile angry letter, with him saying that my new account was being closed. He didn't put it in writing because he though he was being smart. Then he proceeded to tell me in a angry unprofessional way to never enter the wells fargo branch that I went to open my new account. I wasn't allowed to enter any wells fargo like XXXX XXXX would travel to all the wells fargo in the country. She has caused my life to be a pure nightmare for no reason. Wells fargo went along with her knowing good and well I didn't harass her. I called XXXX XXXX to tell him my side of the story & asked him what this was about. His reply was you know what this is about. I was treated very unfairly by XXXX XXXX and the employees at the XXXX XXXX wells fargo. But wells fargo says their decision stands & they refuse to settle. 

XXXX XXXX was intentionally coming around me. If I harassed her so much you would think she wouldn't come around me. But she falsely accused me and got away with it so she is coming around me where I'm at and this is stalking. She knew I was going to be at the bank that day when I was finishing up opening my new 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
orginally contacted XXXX XXXX XX/XX/XXXX. They requested more information I submitted that and never heard back. I then proceeded to contact them via Chat. The history of reaching out is below. 

- XX/XX/XXXX asked for help to remove the restriction. They responded asking for more info and I provided it. Then they never responded again. 
- Started a chat with XXXX prior to the XXXX ( It doesn't say what day exactly ). She did respond saying she was transferring me to the proper team and should receive a response in 1-2 business days. 
- followed up the XXXX. - no response - followed up the XXXX - no response - filled up XX/XX/XXXX - no response- Started a chat with XXXX on the XXXX- received a response on the XXXX with the exact same response as XXXX. I explained that I received the same response before and never heard back and if we could escalate. - no response - followed up the XXXX - no response - followed up the XXXX - no response- Started a chat with XXXX on the XXXX. responded on the XXXX, This time the response was the same as XXXX 's but stating it will take 3-5 business days. I responded letting them know it has been more than 2.5 weeks and no one has reached out. - no response I don't know what else to do at this point. When I call the support line they say to email and start a chat.

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: 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:
The Credit bureaus stated my account was properly investigated but how is that possible if the Account Number is inaccurate, Highest Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance owed is inaccurate, Payment Amount is inaccurate, Last Payment is inaccurate. 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified tracking ; COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023

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 2022-08-18
Company: Block, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Cash App received my government stimulus check. I had been trying to find where my stimulus money went and contacted them on multiple occasions. I had deleted my account and thought it was closed. When the funds went into the account Cash App never contacted me. 

When I realized which account the funds were in, I contacted Cash App multiple times to get access to my account. I no longer have access to the email address nor do I have the phone number I registered the account with. I have the cash app card. However, this was not enough to verify my ownership of my account. 

There needs to be other mitigation processes in place for people like me who have struggle to get access to my funds. 

At this point, my stimulus money has been issued to me ; however, I do not have access to it. I can use the card issued to the account ; however, I need the cash money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name DEPTEDXXXXXXXX {$3500.00} DEPTEDXXXXXXXX {$2000.00} DEPTEDXXXX {$1000.00} XXXX {$640.00} XXXX {$3500.00} XXXX {$160.00} XXXX {$910.00}

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 2023-06-28
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
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: 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 confidntiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  / XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states i have 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 containing any of the following items of information, any other adverse item of information, other than records of conviction 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 reporting agency if the person knows or have 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 2021-04-03
Company: Columbus Finance Inc.
State: OH
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:
This is my second dispute and Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : COLUMBUS FINANCE INC # XXXX, XXXX XXXX # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Zions Debt Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Zion Debt Holdings LLC has put a negatitive collection account on my credit report for a debt back in XXXX that was discharged in bankruptcy XXXX  XXXX XX/XX/XXXX I have sent them information and my bankruptcy attorney sent them information informing them that this debt was included in XXXX  XXXX, and they should not be reporting, calling me or trying to collect. 

It stopped for a month and not they have added this to my report which caused a plunge in my credit score a few weeks ago they were provided all infomration, it public records, the company they bought the debt from is called XXXX, they were provided information prior and after the bankruptcy was dischaged Bankruptcy ref # XXXX dat file XX/XX/XXXX discharge XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
YOUR COMPLAINT Capital one bank sent me a adverse action letter distantly stating due to my history and credit score that I was denied ( which is illegal ) pursuant 15 uscode 1602g we the consumers are the creditors also requesting my social security number on any application or transaction is illegal pursuant 42 us c 4208 reason for denial is creditworthiness which is not clearly 15 usc 1611 defined nor can u discriminate based on credit score becuase that is not accurate or set 12 cfr 1002.4 and 15 us code 1681 b I want my credit which is my right for one not all info reported is consensual per me and not correct so credit one is discriminating me while infringing on my rights and operating illegally its becoming prevalent that is the consumers are the creditors why would capital one deny XXXX XXXX credit not how its all in caps I need their desision to be reconsidered immediately

Company response to consumer: Closed with explanation