BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-04
Company: Resurgent Capital Services L.P.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I learned of this debt when checking my credit scores one day. I was unaware of this debt as no Dunning Notice was sent to me. The company has also not verified my request for proof, including my original signature, that the account is in fact mine. When contacted through the XXXX  all they sent me was a letter with an offer of a payoff plan from a third party, their purchase information from the original creditor, and statements from the original creditor. The amount of the debt is {$600.00}. The company bought this debt on XX/XX/XXXX, reported the debt to credit bureaus on XX/XX/XXXX, and the third party sent me the letter with a payoff plan offer on XX/XX/XXXX. I originally disputed this debt on XX/XX/XXXX through a credit repair company - this dispute never received a response, which is enough to remove the debt from my credit report to begin with. I complained about this company to the XXXX on XX/XX/XXXX. The company responded to my complaint on XX/XX/XXXX and declined their response XX/XX/XXXX. I received a second response from the company on XX/XX/XXXX, which I declined on the same date. The company has not provided any proof that an acceptable Dunning Notice was sent prior to reporting to credit bureaus or proof, with original signature, that the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX through XX/XX/2018, I contacted all three credit reporting agencies and requested a deletion of the Credit Card Company 's account of delinquency. I thought one of the agencies removed/deleted the bad 'mark. ' However, the XXXX XXXX 's XXXX XXXX said it still remand. I had a sickness and a death in the family which prevented me from pursuing after I sent verification of my identification to the credit agencies. Please, read my concern and attachments. Thank you for your anticipated cooperation and I look forward in hearing from you. 

With Warm Regards, 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
Consumer complaint received 2018-02-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have a vehicle loan with USAA at 10.10 % interest rate. My monthly payment is {$420.00} of which 30 % goes toward interest payments. I was also advised I would need to pay a dept protection fee of {$40.00} per month. When combined, 40 % of my monthly payment does not go toward reducing the balance of my loan, but goes to USAA. This false claim constitute predatory lending practices. 

I have had other loans with USAA where the predatory lending practices are contrary to their claims of providing great financial products to service members. I served in the military for 28 years, and instead of USAA providing reasonable financial services, they engage in predatory lending practices aimed exclusively at our military service members. 

USAA could resolve this complaint by ceasing and desisting with these predatory lending practices, stop the false narrative and false advertising of 10.10 % interest rate when the actual rate they receive is 40 %, stop deceiving military members with predatory lending practices and reverse the abusive charges and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX XXXXXXXX Usbank states a maintenance fee will be " waived '' if certain conditions are met by the consumer as stated on the deposit agreement. 

In reality us bank still charges a maintenance fee of XXXX and also applies a XXXX credit maintenance fee reimbursement. 

" Waive '' means to refrain from doing something. In usbank 's case waive means applying 2 transactions to account. 2 transactions do not qualify to be a " waive '' or a " waiver ''.

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 2020-07-27
Company: Experian Information Solutions 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2019-11-01
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:
XXXX XXXX did not report any of the payments after XX/XX/XXXX. All payments were made on time until the account was paid off by XXXX XXXX in XX/XX/XXXX. This gives the impression that the account was LATE or " Potentially Negative '' from XX/XX/XXXX -XX/XX/XXXX. 

This is in direct violation of the FCRA. The account was re-affirmed in XX/XX/XXXXand paid in full. 

XXXX XXXX sent me a letter that reporting is correct when it still is not. 

XXXX, XXXX  and Equifax all three have failed to dispute correctly and are in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been a Capital One credit card customer for 31 years. My account has always been in good standing. In XX/XX/2022, I noticed fraudulent activity and immediately called Capital One. The customer service representative was great, went over charges, and sent me another card. On XX/XX/XXXX, I was booking a surprise trip for my family as a XXXX gift and my card was blocked. I called fraud protection and they lifted it. Then, on XX/XX/XXXX, I was doing online shopping for XXXX with the virtual card # ( to protect myself and my card ) and was shut down again. I called fraud protection, they had me send a copy of my license to them and said they released my card. The woman at fraud protection stayed on the line to make sure my charge went through. It didnt. She then told me, my card had been restricted and I had to send in several documents to prove I am me, one of which they wanted was a COPY OF MY SOCIAL SECURITY CARD. I told the woman I was not sending that in. I have spoken to several in the fraud dept ( one which was a supervisor ) and was told unless I send a copy of my social security card, they would not release the restriction. I have told everyone I have spoken to that I would send them any information they need, but with fraud these days, I would not send my social security card. So, I told them I would pay them off and we would end this 31 year relationship. Well, I had {$730.00} of points on my account that I was going to use towards my trip. They will NOT allow me to use the points bc my account is not in good standing. I advised the supervisor that I have done nothing to put my account in bad standing, this has been their doing. I paid my card off except for the {$730.00}.

I feel like the criminal here and I have done nothing wrong. Capital One does not want to work with me unless I give them a copy of my social security card. That isnt happening. I feel they should honor the points that I rightfully earned. Again, they chose to restrict my account and I am the one who made the charges I have been a loyal customer of Capital One. It is the ONLY credit card I had. And I used it for most of my purchases. So, I went through XXXX season without a credit card and again, I did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: AVANTE
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
these multiple attempts to collect multiple debts from accounts posted on my credit file from AVANTE USA {$360.00} acct number XXXX {$51.00} acct number XXXX {$1500.00} acct number XXXX {$630.00} acct number XXXX have all been fraudulently reported on my credit file i do not own these debts and there has been no validation from either company i did not accure these debts NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A few years back, I called Navient to see what I needed to do to qualify to have my co-signer removed from my private loans. They listed off a few details on what steps I needed to take, and those were : Loans payments must be in full without any program assistance ( IBR, Deferment, Forbearance ) Continuous monthly payments for 2+ years Can not miss a payment during this time period After paying them for over two years, I called to ask how to get the co-signer release paperwork, and where to file for processing. I was then told the same list of requirements, but an additional one was addedhaving a degree from the school attended. This information was not provided and is now screwing me over. 

I was unable to graduate due to maxing out my ability to request more loans and was forced to quit my education, which was also a lie the school told me when I enrolledthat student loans would cover the entire span of my education there. I was two quarters away from graduating. I also met all the requirements for over two years, only to be told the information I was given was incomplete and can not seek relief for my cosigner. 

Now, the XXXX XXXXXXXX XXXX XXXXXXXX and many other locations have closed due to their worthless degrees, lack of accreditation, predatory student lending practices, false job placement information, poorly promised job placement practices, and false starting wage information. Because of this, I can now never complete a degree and do not have the option to have my mother removed as a co-signer on my loans. 

Having a cosigner puts my family at risk if something happens to me, and also enables Navient ( the loan servicer ) to use my co-signer 's income as a means to charge me more per month in payments. My cosigner should have nothing to do with my monthly payments unless/until I have lost the ability to pay them myself. It's robbery at its best.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.

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 2017-09-18
Company: BREMER BANK, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a checking account through Bremer Bank. My local branch is in XXXX, Minnesota. I was charged XXXX separate overdraft fees for non-sufficient funds in the amount of {$35.00} each on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX despite the fact I made every attempt to get the monies into the account before midnight each day it was overdrawn. I submitted a request to the bank to overturn these fees due to the fact that I was advised in XXXX XXXX by the XXXX, XXXX, at the XXXX location, that customers had until midnight to get their account current as I had an issue at that time. I asked for clarification of this issue of what was stated to me and she said this was the policy ; however, bank ATMs state otherwise in that monies should be deposited into funds by XXXX p.m. daily. Supposedly now I misunderstood, but I asked her outright if this what she meant to say. I want the bank to overturn at least XXXX of these as I feel they added an overdraft ( specifically the XXXX dated XXXX/XXXX/XXXX ) unfairly as the reason why the account was overdraft was due to the overdraft taken out the previous day. While I do n't want to get XXXX into trouble, she never should have said this to me if it was not the correct information. 

XXXX Bank is also taking electronic checks late in the day when they only allow until XXXX p.m. to get the money into your account and this has caused overdraft charges as well and then they do n't want to overturn them, despite the fact that I have checked my checking account diligently the same day to see if more money needs to be put in that day. I think any bank that does this should allow their customers until midnight to get their account current. I have a checking account through a local credit union who allows this and am considering moving all of my banking there now due to the frustration with this most recent issue. A customer has a right to know what is coming in and out of their account that day, and it is n't always reflected for me see. This is deceptive to the customer. A customer also has a right to make a deposit the day the item comes into that account whether it before before or after the item comes in for payment.

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 2020-05-29
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I allow a company ( XXXX  ) to access my checking account for investment purposes. My PNC debit card and a PNC credit card are linked to XXXX. XXXX  monitors the " change '' from my transactions on these cards and when I reach {$5.00} they deduct the amount from my checking account and invest it for me. I have been using this service for over 3 years and suddenly PNC bank will no longer allow my cards to be linked. I have reached out to both companies to attempt to resolve this with no success. Supposedly it comes down to a change in security that PNC has enacted. PNC has said I should be able to relink the cards and XXXX  says PNC will not allow it due to security changes. Basically they're pointing the finger at each other. This started in late XXXX. I have no idea what you can do, but I would like to continue using XXXX  and have had no issues with it. The bank seems to be the major obstacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
XXXX accordance with the Fair Credit Reporting act 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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 always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month  they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: MD
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:
This is the fourth time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX/XXXX/XXXX, I attempted to open a bank account with XXXX XXXX Bank Texas. As part of their due diligence, they check my credit and other records and rejected by application to open an account. I was referred to XXXX. XXXX sent me a report and indicated I had mishandled/reported for cause and/other outstanding debts. 
That reports indicated that I had opened an account with US Bank sometime in the fall of XXXX and they closed it for account abuse. 

US Bank did not provide a phone number to dispute this report. I have had issues with my accounts being stolen and I need to get US Bank to remove this info. Their website is not at all customer friendly and very confusing. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
We had to go through a Chapter XXXX bankruptcy in 2020. Since then, all 3 credit reporting agencies have reported my Student Loan ( serviced through XXXX ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current.

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency ( XXXX  only once ) and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted XXXX several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with XXXX that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.

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