BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
During the afternoon of Tuesday, XX/XX/2018, I was unable to cash a check at U.S.Bank, on which the check was drawn. I had valid proof of my identification. I was told by by bank teller XXXX XXXX that U.S.Bank would not honor the check because I was not a bank customer. In fact, I am a customer, having two credit card accounts with U.S.Bank. She said that only if I paid a {$7.00} NON-CUSTOMER fee, would she cash it. I asked to speak to the branch manager. I was told that XXXX XXXX was the branch manager, which was a LIE. I had to wait 15 minutes to speak to her while I could hear her gossiping on personal business on her telephone. But the bank 's HQ in MN says that XXXX XXXX is the branch manger. Why wasn't he informed about me? So, usurper XXXX XXXX repeatedly stated that to me that USBank credit card holders are NOT customers. TOTALLY ILLOGICAL! She also said that she did not know what the bank 's policy was because she was " not a lawyer ''. She NASTILY told me that she would follow XXXX 's advice and charge me a {$7.00} fee to cash their check. USBANK is abusing its national banking charter by considering customers to be non-customers. As a result of such EXTORTION, I did not get the money which the bank has and owes me. Therefore, I am 1 ) tellong the several people who give me USBank checks that in the future they must pay me in cash because of their greedy bank. 2 ) I am initiating a drive to the relevant congressional banking committees to improve current law abused by big banks. 3 ) I will begin to phase out use my two USBank credit cards and use other banks ' cards that I have. 4 ) Badmouth USBank to many, many people ( I have already started ).

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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In XXXX I sent a certified letter asking the credit bureaus to remove these inaccurate accounts from my credit report that are hurting my ability to acquire credit. Now it's been over two months later and I still havent seen any results nor any response. By now, I'm just demanding that these accounts be removed from my credit report. I tried being patient and I'm upset that it would even come to 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 2019-03-02
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold items through XXXX XXXX is clear customer has product when I try and transfer funds to my bank account PayPal charges excessive fees and does not transfer funds timely taking over a week making excuses not to transfer holding my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: TN
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:
I am a victim of identity theft and I sent a letter to Equifax over 30 days ago on XX/XX/2020 with the unknown accounts and inquries along with police report. Those accounts that was to be investigated and removed are XXXX XXXX  and XXXX. Its also an unknown inquiry showing up on my report from XXXX XXXX XXXX. Equifax never responded to my letter or did they remove these accounts from my credit report and its been longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: National Credit Systems,Inc.
State: TX
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:
National Credit Systems XXXX XXXX XXXX This debt was dismissed during a court case in 2018. 
XXXX XXXX is no longer responsible for the debt. I was never involved in the court case nor was I contacted. I was a cosigner on this apartment and wasn't notified about anything until the collection agency started contacting me. This should have never been reported on my credit file/ I'm still being contacted by the collection company who's have a really bad attitude towards me for trying to resolve this issue. I attempted to resolved this issue with this company who never tried to listen they only wanted payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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: Account status incorrect

Complaint:
Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am trying to refinance my mortgage and my current mortgage company Flagstar Bank is not paying off my taxes that were due inXX/XX/XXXX They are saying that payment is not due untilXX/XX/XXXX but according to my research that is when they are considered late. I contacted Flagstar Bank about 2 weeks ago and they said that the payment was made but according to the county office it has not been processed.

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 2020-07-13
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:
I paid off a share loan XX/XX/20. The pay off increased my credit score at all credit bureaus except Transunion. The payoff of the loan reflects a positive Increase by XXXX and XXXX  due to the payoff, but Transunion reported a 25 point decrease. Which they can not explain why, but has shifted the blame to their computer program.

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 2018-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had made a purchase online for a XXXX XXXX. the seller said to transfer the money through XXXX, I then send {$65.00} on XX/XX/2018. after the seller had told me that she had not received the funds and to send it again to another number, I told her I couldn't because on my side the money had been taken out. I then called Bank of America about my bank account and they confirm the funds had been taken out. after I was going back on checking the sellers page it was gone ... the next day the seller message me again that she had not received the funds. I then did not feel right and called Bank of America to file a fraud claim. they gave me the run around and said " we'll try to see what we can do and it'll take 10-45 business days '' after I asked " what do you mean " try '' '' the customer service rep. said. " if you initiated the transfer there isn't anything we can do '' which just made me feel unsafe with my own bank which I have been banking with over 10 years.The representative sure did not seemed surprised or like she would do anything else to help me resolve my fraud claim, I can not wait 10-45 business days for a response which by the sound of the rep looked like I wasn't going to be getting anything back. I have also tried to look through XXXX website and there is NOTHING about fraud ... or scams.

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 2018-03-30
Company: Netspend Corporation
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 XXXX submitted her debit card information to XXXX credit report information. XXXX no longer has a credit card because she has great credit. XXXX closed her credit card information as soon as she received her credit card.

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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
On XX/XX/2020, Transunion reported to XXXX XXXX XXXX that my credit score was XXXX. At that time, XXXX  XXXX XXXX was considering closing two of my credit card accounts. 

Ultimately, they did decide to close those accounts, and their letter states that they used that Transunion score " in taking the above action. '' However, by all accounts, including their representatives on the phone, my credit score has never been that low, especially on or around that date. 

In fact, from XX/XX/XXXX XXXX, it was at 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 2021-04-29
Company: EQUIFAX, INC.
State: UT
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 been trying to get in contact with a creditor that is listing a charge off on my credit. XXXX is reporting a charge off with a balance of {$57.00} and i have called a lot of different places in attempt to settle this debt with no success. Apparently XXXX no longer services XXXX credit cards and i can not find any contact information for them. This account is affecting my credit scores and i need to be able to settle. I want to settle but if this company no longer exist who do i pay?? I'm not sure what to do and am requesting that the bureaus remove this debt from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX apartment said that i owe XXXX and thats no way possible it was not that much even with the fees added to it so they need to delete this and check with the apartments i dont have any documents because i lost them

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a credit card with XXXX XXXX. I have had excellent payment history on my account, until the national lockdown in XXXX, 2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX XXXX immediately without the ability to contact a rep. We continued timely payments even though our NJ XXXX  is only at XXXX XXXX XXXX ( which equals XXXX seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting onthis account lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a XXXX XXXX XXXX  survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. 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 2020-12-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
FCRA Violation. XXXX XXXX Why is this information verified as accurate deleted and they left 5 remaining on my account that does not belong to me? Explain. See document attached -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- - ADDRESS DOES NOT BELONG TO ME. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 < -- -- 5 ACCOUNT REMAINING ON MY REPORT DOES NOT BELONG TO ME!

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 2018-07-11
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX I received a collections notice of unpaid balance for {$120.00} to XXXX XXXX XXXX from Collections Company Grant Weber. My research showed I paid this through my HSA account. I called XXXX ( HSA account ) and was provided documentation this was paid. I contacted XXXX XXXX, and they stated they would investigate. I never received any further update until XX/XX/XXXX when I received an alert from XXXX of a credit hit. I reviewed this entry and found it was for this amount and Grant Weber for collections unpaid. I contacted XXXX XXXX again, and was told since the debt was sent to Grant Weber I was not able to talk to them. I escalated this with repeated calls and faxes. While attempting to get to the correct person ( over a period of a few weeks between " early XXXX '' and XX/XX/XXXX, on XX/XX/XXXX I received a check in the mail from XXXX XXXX ( not XXXX ) returning my {$120.00}. I followed this up with more faxes and documentation. On XX/XX/XXXX, I was contacted by XXXX at XXXX XXXX. We reviewed all the details and documents. She was satisfied the check was incorrectly handled on the " XXXX '' side ( should have went as written to XXXX but someone deposited to the hospital ). XXXX stated she would handle Grant Weber collections. I received a letter but they still hadnt removed the credit report. I attmpted to contact them and again requested XXXX to assist. Then I received today still another credit hit ( posting ) from Grant Weber. They do not return phone calls and continue to harass me with credit reports destroying my good credit rating.

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 2018-07-11
Company: EQUIFAX, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I dispute items on my credit report with XXXX. 
1. Collection accounts - which i never got letter for example- XXXX - {$840.00} Never been to XXXX, always had medical insurance 2. Late payments- XXXX ( Never prove the late payments, the loan was in deferment ) list five late payments -- I dispute the company 3. Bankruptcy according to the credit bureau- court told them, the law does not allow them to give that information out 4. inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Second Round Limited Partnership, Austin, TX Branch
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have notified Second Round, LP that this is a conflict of interest. They have placed the debt to be collected by my previous employer named XXXX XXXX XXXX XXXX XXXX XXXX I worked with the company and prior to them merging I worked there for 5 years. I know most of the XXXX personally. My sister even works for the company. Now my friends know my personal information that I have a debt that I am being sued about. This has caused me both embarrassment in regards to my personal information. And, also when XXXX XXXX XXXX sent the process server to my property he trespassed and scared my children. He was screaming in the windows. My family had to call the police to come remove the process server from the property. When the process server presented himself he identified himself as a detective. Which is not true. I have contacted both the client Second Round, LP and XXXX XXXX  XXXX about the issues and neither has removed my account or transferred to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ive detected ID Fraud. I noticed once I ran my credit to purchase a home and seen accounts that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a car in XX/XX/2013 in which the finance company Santander Consumer USA for {$18000.00}. It stated in the contract that, at the end of my loan, I would have paid {$17000.00} in interest. Recently, I called them to get the pay off amount because when I went online, it showed that I still owed {$12000.00}. For the past couple of years, I began to see the amount go down slowly. But instead of paying toward the principal, they have been putting half, sometimes all of the installment toward the interest. After adding up what has been put toward the interest and principal, I discovered that {$24000.00} has been paid in interest and roughly {$6000.00} toward the principal.I 've spoken to different reps including a supervisor which all said that I have not satisfied the interest yet. 
One time I was laid off, and it took a couple of months to get caught up. I was charged late fees in which I paid. I paid double, one time, to get it back on track. They stated to me, today, that because I had several auto extensions ( which includes some that were 5 days late ), that all of those payments went directly to interest. It states in my contract that I can be up to 7 days late and charged only a late fee. I was charged both and don't understand how they can do this. I've purchase several cars throughout the years and have never seen any thing like this. It seems like they can charge people whatever they want to and get away with it. I don't know what to do and really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I lost my wallet, causing me to have unauthorized charge on my XXXX  XXXX credit card. I had try dispute the account XXXX XXXX, Bal : {$3700.00} XXXX with XXXX, XXXX, and Transunion. They had taken this account off my credit report, but now it's back on my credit report without notifying me, I had disputed again and provide them proof that it was unauthorized use of the card.

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 2021-04-29
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Jefferson Capital Systems claims XXXX XXXX phone account in Oklahoma from 2013. 
Ive only lived in Michigan. 
This is past the 7 year time limit for Statue of Limitations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation