BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I scheduled a monthly recurring request for an ACH transfer from my savings account at another bank ( DCB  ) to my business checking account at USB for deposit every month on the XXXX of each month. 

The money is withdrawn from my account at DCB on the XXXX   but not deposited to my account till the XXXX. WHY? 

I believe that USB can not hold my funds illegally for 3 days FOR NO REASON. 

In this day and age when I can transfer funds electronically in seconds by XXXX and other intermediaries, why are ACH transfers taking this long? I have had other banks deposit such transferred funds the very next day. I believe this " SITTING '' on my funds is illegal and should be investigated at USB.

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 2019-10-24
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: Information belongs to someone else

Complaint:
SECOND REQUEST : 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 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 2023-03-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 Equifax took more than 30days to complete my investigation. I sent Equifax my request to investigate XXXX XXXX XXXX Account number XXXX I mailed the request XX/XX/2023 which they received XX/XX/2023, tracking number ; XXXX Equifax has the incorrect date opened, last reported date incorrect, and the date last active incorrect, account type is blank, account status incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was in New York on XX/XX/XXXX and purchased two single ride tickets that were suppose to be {$2.00} a piece at a XXXX machine. I was instead charged {$33.00} a piece by XXXX which caused my bank ( BMO Harris ) to charge me {$71.00} in overdraft fees. XXXX refunded the two separate {$33.00} charges the same week, but BMO Harris refuses to refund the {$71.00} overdraft charge. XXXX emailed me saying they will not refund the {$71.00} charge either

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 2023-08-03
Company: GOLDMAN SACHS BANK USA
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:
There is an account on my credit report from Goldman Sachs. I never opened an account with Goldman Sachs. After speaking with someone when they attempted to collect, I was told this was a conversion from a XXXX  XXXX Card that I had for XXXX XXXX. This card had a {$0.00} balance on it when it moved from XXXX XXXX as it was never used, and the replacement card was apparently sent to my old address at which point a balance appeared. 

So I have no idea where the balance on the card came from as I never had the replacement card sent to me at an address I could receive it, I did not enrol the card in any sort of payment or online portal ( as I was told by collector was done ) or anything of the sort. In fact, I had no idea the issuer had even changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
In XX/XX/2019, I submitted an online dispute with XXXX   regarding inaccurate information reporting on my consumer report. These informations on my report has hinder me to apply for a credit union account. Once Ive noticed what information disclosed, I immediately disputed the accounts. I am concern about the reporting of these informations and they should be deleted immediately.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-10-24
Company: Experian Information Solutions 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida   DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC XXXX XXXXXXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   XXXX XXXX, FL 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 2019-10-24
Company: EQUIFAX, 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:
Dear CFPB, I tried to fix an abusive and incorrect information that Equifax and XXXX  XXXX XXXX is reporting the account ending in XXXX XXXXXXXX as Charge-off. Debt included in or discharged through Bankruptcy Chapter XXXX on XX/XX/XXXX. The limnit was XXXX, and highest balance was {$11000.00}. 
On Equifax I can see that : Balance {$11000.00} Credit Limit {$7500.00} Available Credit $ -XXXX ( How is possible to have negative availability when my dept wast discharged through Bankruptcy Chapter XXXX by Court of Law on XX/XX/XXXX? I never heard about that some/ or an institution to be above Law? 

The Equifax updated my report with the above account on XX/XX/XXXX as Charge-off. In my humble opinion I believe that are they trying to overrule a Federal Law and to reinstall an account that was closed many years ago and included in Bankruptcy. 

My Info Regarding Bankruptcy : US BKPT CT CA XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court US BKPT CT CA XXXX XXXX  Contact Info of : XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Equifax info : XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I believe the above account was closed back in XXXX-XXXX and for sure the dept was included and discharged through Bankruptcy and any dept was dissolved and approved by Court of Law back on XX/XX/XXXX. By Law I owe {$0.00} to anyone and nothing negative should be reported as negative on my credit report. 

It's impossible that to have bad debt and to be placed for collection and updated on XX/XX/XXXX with a past due amount of {$11000.00} when the amount should be {$0.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I first announced to all three credit bureaus that I NEVER applied to Bank of America for a credit card. This has been going on since XXXX, XXXX, I did file a fraud report ; however Bank of America is still on my credit reports. 

Every time I receive a piece of mail from Bank of America, I always return it to the sender. On XX/XX/XXXX, I received another piece of mail from Bank of America for which I wrote on it " I DON'T HAVE AN ACCOUNT WITH YOU! STOP SENDING MAIL TO MY HOME!! '' Now I find out that Bank of America, has been opening fake accounts in peoples name. 

I NEVER RECEIVED OR USED A BANK OF AMERICA CREDIT CARD. MY CREDIT REPORT SHOWS NO ACTIVITY. WAS THE CARD ACTIVATED OR WHAT!

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 2021-08-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is Midland credit solutions. IT IS FOR XXXX XXXX  WHICH THE ACCOUNT INFO IS WRONG. Their are similarities in name but birthday and social are totally different and it has been verified. Also charter is not available in my part of XXXX. we have XXXX. They hung on me and were very rude and would not remove the charge from my credit report even tho they knew I'm not the person that they are looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I accounts reporting accounts as open after there closed also reporting accounts that has no balance and very old but reported open reporting old accounts that was sold but I have no written agreement with whoever it was sold to and no Information on who it was sold too reporting accounts that are too old to be still active on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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: Public record information inaccurate

Complaint:
Companies Involved : XXXX, Equifax and XXXX. 
Over one year ago I noticed a filed bankruptcy paper on all three of my credit reports. Immediately I began contacting the agencies about the problem. Upon XXXX disputes these XXXX items are still present on my report. This matter has affected me and my family dramatically. I'm unable to get employment in my line of work, Housing etc. Under the FCRA act all three agencies must remove in accuracies. 
( XXXX ) Bankruptcy XX/XX/XXXX reference number # XXXX ( XXXX ) Bankruptcy XX/XX/XXXX reference # XXXX I've contacted the court to verify they told me they could not give out that information. 
If not resolved my next step will be a lawsuit with small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XXXX and I applied for assistance with my mortgage company Ocwen and was denied my loan feel behind and I had it reinstated in XX/XX/XXXX of this year. Ocwen was sold to PHH Mortgage and my loan is behind and I called to get a reinstatement quote and was referred to the attorney handling the foreclosure and was told that it was just sent over to them that day this was on XX/XX/2019. I called the attorney 's office and their voice mail said that I neede to email them so I did. I sent them my original email on XX/XX/2019, I got no response so I sent a follow-up email on XX/XX/2019, and finally got a response on XX/XX/2019, saying that they do not have my loan in their office they have a closed file from XX/XX/XXXX of this year. Now when I try to contact PHH thier phone system says due to technical difficulties they can not connect me with customer service. I have not received any paperwork on the forclosure, nor do they seem to want to resolve the issue with me or help me out in any way. I want to get my loan reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Currently paying around {$500.00} per month for the past 3 or more years. My loan has a co-signer my dad who has since become XXXX. The 3 loans are in forbearance as Im still attending school. I have never missed a payment yet the principle on the loans keep rising and Ive sent them thousands upon thousands of dollars What is the company sallie Mae doing with the money I have sent them for over 3 years, as the saw and n television the other night they are vacationing in Hawaii on my money. I contacted them about 1 year ago because they told me when Im out of school my payments would be over {$1000.00} per month which is impossible for me to make and was told that was how much I had to pay like it or not. I would like to know where all my monies paid have gone towards as I feel like I Am dealing with a loan shark and I would also like to switch companies to one which will accept my $ XXXX monthly payment as that is what I can afford. Sallie Mae is horrible to deal with. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: PA
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:
Over the last 3 months I submitted and sent in numerous dispute investigations to Equifax, XXXX, and XXXX about the inaccurate and false accounts that I allegedly owe. All agency tell me that they contacted the collector and it is verified. I asked numeroud of times to send me actual documented ( Signed ) proof of these alleged accounts and they never do. Per the FCRA if the disputed accounts are not properly investigated with documented proof of my signature and data the it MUST BE DELETED!! ALL AGENCIES FAILED TO COMPLY. 
Below are the accounts i filed for disputed and that were inaccurately investigated : XXXX : XXXX XXXX XXXX {$550.00} XXXX XXXX {$220.00} Equifax : XXXX XXXX {$1800.00} XXXX XXXX {$550.00} XXXX : XXXX XXXX   {$1800.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$220.00} The above accounts were NOT VERIFIED CORRECTLY. Per the FCRA they can not verify consumers accounts by the collectors saying its accurate, VALID PROOF should have been investigated then they would have realized these accounts ARE NOT MINE. My next step is to file legal actions against the 3 agencies, i am a litigious consumer and i have all rights to fight for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: AL
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:
After requesting and receiving the Credit report that I wanted, I discovered that I could not Log-Out of the webpage ( see attached screenshot ). After calling the credit reporting company 's listed phone number, the representative told me that I should just close the computer window. When I told her of my security concerns with only shutting down the browser window, the representative proceeded to describe that I ( as the consumer ) was the one responsible for clearing out my Personal Password from my browser. This is not acceptable!! 

Therefore, I contacted the CFPB with this particular complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Over the last 3 months I submitted and sent in numerous dispute investigations to XXXX, Transunion, and XXXX about the inaccurate and false accounts that I allegedly owe. All agency tell me that they contacted the collector and it is verified. I asked numeroud of times to send me actual documented ( Signed ) proof of these alleged accounts and they never do. Per the FCRA if the disputed accounts are not properly investigated with documented proof of my signature and data the it MUST BE DELETED!! ALL AGENCIES FAILED TO COMPLY. 
Below are the accounts i filed for disputed and that were inaccurately investigated : TransUnion : XXXX XXXX XXXX {$550.00} XXXX XXXX  {$220.00} XXXX : XXXX XXXX {$1800.00} XXXX XXXX {$550.00} XXXX : XXXX XXXX   {$1800.00} XXXX XXXX XXXX  {$550.00} XXXX XXXX {$220.00} The above accounts were NOT VERIFIED CORRECTLY. Per the FCRA they can not verify consumers accounts by the collectors saying its accurate, VALID PROOF should have been investigated then they would have realized these accounts ARE NOT MINE. My next step is to file legal actions against the 3 agencies, i am a litigious consumer and i have all rights to fight for this.

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 2019-03-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I was pulling my credit report up to get preapproved for my mortgage, I noticed several thing that are not right.first up my name is XXXX XXXX XXXX PLEASE DELETE any other name. My SOC SEC # XXXX DOB XX/XX/1984 please remove/delete any other SS numbers from my credit report they are not me, someone else information. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following Fraudulent addresses:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I do not know who SSN : XXXX SSN : XXXX SSN : XXXX not mine please delete. I have an account with a false 60 day late payment that was never late : XXXX  XXXX # XXXX inaccurate please delete. 
I have never done business with XXXX or XXXX XXXX XXXX # XXXX please delete this account it may have belonged to one of the other SS and names on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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