BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX I attempted to transfer funds from my card to my bank account. I have done this same transaction to the same bank account on 2 occasions before without any issues. This transfer shows as completed on the USBank Reliacard site and the funds are no longer in my card account, but never made it to my bank account. I waited the 5 business days it said it may take for the transfer to process, still nothing. After over 30 attempts to get someone on the phone - numerous hang ups after hearing " we are experiencing exceptionally high call volume '' - I spoke with a representative. They informed me that the transfer had been canceled. When I asked what happened, they did not have an explanation. When I asked why the funds were not returned to my account, they also did not have an explanation. I attempted to get a supervisor on the phone but they refused. I was told to contact the unemployment office. This issue has nothing to do with the unemployment office. The unemployment office deposited the money in the card account as they have done previously. I attempted to move it to my bank account as I have done previously. USBank canceled the transfer, never notified me, has not put the money back in the account, and can not provide any explanation as to how I can get my money, or complete the transfer.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

If the validated debt was accurate it wouldve been accurately reporting across all 3 credit bureaus. This is ground for removal they violated my r

ights 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 : 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 non-monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: PR
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:
THIS ACCOUNT IS SHOWING A INCORRECT DATE OF LAST PAYMENT AND A INCORRECT BALANCED OWED. 

XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent in an application to Flagstar Bank to establish an escrow account, they sent me an approval letter stating that I needed to send them a check or money order for {$4200.00} and sign the two included documents and as long as I had them sent before XX/XX/XXXX, my new monthly payment would be {$1400.00}. 

I sent them the check and the signed documents on XX/XX/XXXX. The {$4200.00} was taken out of my account XX/XX/XXXX. When I went to check my account today ( XX/XX/XXXX ) to make sure the new amount of {$1400.00} was taken out I saw that they were still taking out the previous amount ( XXXX ) which is only my mortgage and not my property tax. 

Furthermore, the same amount of {$950.00} is due to be billed at the beginning of XXXX as well meaning they have not set up my escrow account even though they took my {$4200.00}. 

When I called them to confirm that they did indeed receive my check and signed documents the woman I spoke to said that, yes they got my check/documents, but she needed to send a request to the escrow department which would reply in 3-5 business days to make sure they actually did set up my account. 

When I asked how I was supposed to proceed from there regarding payments since there is about {$400.00} that needs to be accounted for she had no answers an just said we needed to wait to hear from their Escrow department. 

It should not be taking this long to sent up an escrow account, especially considering they already had the time to cash my check - they should have had the time to set up my account as well.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

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.

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 non-monetary relief
Consumer complaint received 2019-04-19
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
American Express duplicates charge off of the same credit card account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$6000.00}. 

I request AMEX Cease and Desist. Due to age discrimination I have been unemployed since XX/XX/XXXX when laid off from FICO as a XXXX XXXX XXXX. 
I request AMEX Cease and Desist to settle account at 60 % and immediately sue. 
Judgement will fall off consumer credit report after 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: Experian Information Solutions Inc.
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:
A dispute was created on XX/XX/XXXX regarding an existing issue. The issue is that a negative pay status was reported on my account on XX/XX/XXXX which caused credit score to decline. Since XX/XX/XXXX my credit has been increasing due to timely payment, loan pay-off, etc. Credit score has increased by at least 30 points. Recently, an inquiry/dispute was opened with Experian due to new evidence which I believed would have been helpful for Experian to over-turn the neagtive pay status. On XX/XX/XXXX, 10-days after the dispute was opened, Experian reached out with the dispute result. 

The result stated that the negative report can not be over-turned. The issue is that Experian removed the negative pay status that was created on XX/XX/XXXX and re-inserted the negative pay status once again on XX/XX/XXXX which caused credit score to decline sharply. Not only there was no gain from the dispute/inquiry created with Experian, but somehow the dispute adversely affected my credit score. I was not warned that creating a dispute will cause credit score to decline. I have been paying all my bills on time which was causing credit score to increase. It is extremely unethical for a credit reporting agency to adversely affect a credit score for a simple inquiry. This adverse activity was not caused by new untimely payment or any new issue. The negative pay status had already existed and nothing was gained. 

I am asking that Experian would re-adjust the negative reporting status as well as the credit score. A  simple dispute should not decrease a credit score by any margin. I have been paying all bills in a timely manner. If I had know this would happen, I would have never created an account or created any inquiry/dispute. The dispute was outstanding for only 10 days and there was no again. My credit score was adversely affected by creating a dispute, how is this ethical?

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 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 advised to contact you guys regarding some things on my credit that is not mine. I went to the XXXX dealership and test drove a XXXX. I really need a car so I went home and checked my credit report just to make sure my score was ok. While doing so I noticed a couple of items on my credit report that are not mine. I have contacted my local police and the FTC. I need these items deleted from my report. 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. Inquiries : 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 explanation
Consumer complaint received 2021-06-08
Company: The Outsource Group, Inc
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: AZ
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 spoke with XXXX at Equifax on XX/XX/2021 about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my Equifax credit report : XXXX XXXX XXXX XXXX I did not authorize any of this inquiry. I am requesting that all above unauthorized inquiries be removed immediately from my Equifax credit report due to my identity been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CCS Financial Services, Inc.
State: FL
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 my 2nd dispute with XXXX XXXX XXXX through the CFPB. XXXX XXXX XXXX is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines.XXXX XXXX XXXX response to my complaint was completely false stating " Our office is in receipt of the complaint filed by Ms. XXXX XXXX. We greatly appreciate the opportunity to respond. Contrary to Ms. XXXX assertion, please be assured that we did send her correspondence. We have no reason to believe she did not receive our letters because the letters were sent to the same address listed in her complaint and not returned by the post office as undeliverable. Furthermore, please be assured that we never received any request from Ms. XXXX for validation of the debt. Notwithstanding, we have placed this account on hold and requested verification of the account from our creditor-client. We will send the documentation from our client to Ms. XXXX if and when it is received. We trust this resolves your concerns. '' I find it outrageous that XXXX XXXX XXXX take such stance without providing documentation & a signed contract as requested. Additionally, XXXX XXXX XXXX is still reporting this derogatory account to my credit bureaus. Next step is litigation & pursuit of monetary damages for violating my rights. I have documented all my efforts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The list of account ( s ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX 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 states a consumer reporting agency can not furnish an 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 consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The consumer reporting agency violated my federal rights by running a credit check on me multiple times from June 2022- January 2023 without my permission when the vehicle was first leased in 2021 which should have been the only time the consumer reporting agency ran my credit, no reason for the consumer reporting agency to run my credit 4 times a year after buying the car and without my permission.

The consumer reporting agency also violated ( Cal. Bus. & Prof. Code 7507.9 ) by not giving me notice for my personal property inventory within 96 hours of repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Santander was my first auto loan distributor and when I got a car through XXXX XXXX, Santander was paid the remaining of my balance I owed in full. On my credit report Santander still shows up as a potential negative inquiry and I thought Santander would be deleted from my credit history once they were paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: IL
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 XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Experian Information Solutions Inc.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Additionally, some of these accounts are more than 10 years old and has to be removed per the FCRA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02
Company: Experian Information Solutions Inc.
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:
Experian, XXXX and XXXX have been sent 3 three disputes about the inaccurate accounts : 1. XXXX XXXX 2. XXXX These inaccurate items do not give me a fair and accurate credit report according to the Fair credit reporting act.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA VIOLATIONS : PLEASE REMOVE ALL NAMES AND ADDRESSES THAT ARE NOT MINE, AS THEY ARE IN VIOLATION OF FCRA. Wrong Names : XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA VIOLATIONS PLEASE REMOVE XXXX, XXXX REPORTED : XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX XXXX Reported : 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