BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Was called by ( XXXX ) XXXX with a recording asking to verify personal info, give them a phone number to my jobs HR department. The recording talked about forfeiting property and being taken to court. I called the number back twice, on the second time someone answered, knew who I was from my phone number ... .asked to verify my social and they gave my last four. I confirmed. They then proceeded to tell me that I was being sued by US Bank for trying to defraud them on XXXX  separate accounts, the separate being in the amount of {$640.00}. 

Interestingly enough I had that US Bank account reported to my credit a few months back and had settled and paid off anything in collections. I made them aware that I had paid and settled this after telling them that it was reported to my credit brought XXXX XXXX. She said that this isnt something that would have been reported on my credit. 

XXXX searches for the phone number in question turned up scam after scam. I called the original company I dealt with to settle my debt after it had been reported to the credit agencies. And now have proof that both of these accounts are settled.

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 2017-05-29
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Theres alot of unauthorized inquiries on my  XXXX  credit report from companies i dont recognize ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/2022 and XX/XX/2022, Experion has charged me {$25.00} a month. But I dont know what the charge is for and Experion will not let me speak with a customer service rep unless I have a login or know Experion account details. If I dont even know what the charge is for, how can I get access to a customer service rep?

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 2017-05-29
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: Their investigation did not fix an error on your report

Complaint:
Open Date  :  XXXX /2016 {$3600.00}  Open Date  :  XXXX  2016  {$860.00} I was told that each contract was cancelled and after months it was not removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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:
XXXX {$11000.00} XXXX XXXX XXXX Account Closed Last Updated : XX/XX/2022 Credit Usage no knowledge of any closed account for XXXX, XXXX noone is responding to me, my credit score was XXXX 6 months ago and all of a sudden i have XXXX late payments from companies and accounts i dont know of

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 2023-01-15
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased the XXXX  XXXX XXXX XXXX scheduled for XXXX XXXX for XXXX dollars from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and was informed at XXXX via email from the company that the XXXX XXXX XXXXXXXX XXXX has been cancelled by the hotel ( XXXX XXXX XXXX  ). I contacted the hotel early in the morning to be told my reservation was cancelled due to non payment from XXXX XXXX or its affiliates. This message is also on the hotels website ( XXXX XXXX XXXX ). Company policy states any monies received from the customer attending the event will immediately go to lodging, etc., which was never properly executed by XXXX XXXX  or its affiliates, which ultimately resulted in XXXX XXXX XXXX cancellation of my reservation as well as hundreds of other customers. 

I contacted the credit card company XXXX XXXX XXXX XXXX  ( Comenity Capital Bank ) informed them of the fraudulent situation executed by XXXX XXXX and kindly requested disputes for all charges made to XXXX XXXX, and the Comenity Capital Bank denied my request for dispute due to date of transaction. I feel this is fraudulent transactions which should constitute dispute of these charges. The other credit card company I used for payment to XXXX XXXX  allowed the dispute due to the fraudulent transaction. I have documentation of the fraudulent transaction from company and XXXX XXXX XXXX. 

XXXX XXXX XXXX cancellation message XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX. I've been out of the country since last year because I flew out where I had XXXX on my left back left back. In XXXX I was struck by an automobile while walking across the street. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

Before I left I had issues with my BOA account due to fraudulent activity. The particular account was one of the funding sources of my automatic payments with - Capitol One. 

I forgot to get the account switched so I called and got that changed in XXXX. I told the Capitol One Agent to change the old account and gave a reason. I also started to use my other funding source ( XXXX ) as the new funding source going forward and go ahead and charge my minimum on the phone with us today and also set up automatic billing. 

All was agreed upon. 

So I traveled to XXXX for XXXX then to XXXX where I did my rehab, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - Capital one has already charged of one of my accounts in : XX/XX/XXXX. 

I see whats going on and made a complaint to Capital One on ( XX/XX/XXXX ), in regards to the matter. I was advised that both accounts will be reviewed and not to make any payments to accounts are reviewed. 

Fast forward to today - XX/XX/XXXX - I called capital One in regards to an update from past convo on ( XX/XX/XXXX ) and instead was told not that my other account has been charged off. 

Are you serious? You said I shouldn't do anything and wait for a call ... .. 


I have never had an issue with Capital One until last year when I left all the way up to now. Prior I had no issues with them and my accounts were current and paid. 

Capital One made a mistake and has made me the consumer pay dearly. They have charged off both my accounts, falsely - when the fault was their agenda not mine. 

They have cost me almost XXXX points off my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE. 

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by Capital One and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life. 

Please help me get all those false missed payments and charged off the account of my credit. 

Already beginning to consult lawyers about possible legal action against Capital One in regards to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transferred {$150.00} via Zelle to the receiver account on XXXX XX/XX/2023, but the receiver claimed that didn't receive money until now. 

payment details : Transferred at XXXX, XXXX XX/XX/2023, {$150.00} processing AZ Confirmation # XXXX from : A Z To : XXXX XXXX XXXX XXXX, a division of XXXXXXXX XXXX XXXX XXXX, # # # # # # XXXX sent : Today Available : Monday Payment ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open.

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 2023-03-28
Company: SYNCHRONY FINANCIAL
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was on hold for over one hour with PayPal. I spoke with a " XXXX '' she said that they have records of the two payments but they did not. My bank has confirmed two payments but PayPal has declined payments for their direct account and PayPal Credit. PayPal has closed the PayPal Credit account based on their issues with electronic ACH payments from my bank, XXXX. For some reason the payments are not going through in a timely manner taking days to complete.

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 2021-07-01
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ), Account # 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 non-monetary relief
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
State: MO
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 pulling a copy of my credit report i notice that there were a few late payments being recorded on my credit report that is being recorded under my social security number and this credit bureau removed the lates after i send them a certified letter in the mail with the return receipt they removed the lates and has placed them back on my credit report without notifying me in writing of any changes back to my credit report which is clearly a violation of the FCRA. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureau is required to notify me of the reinsertion in writing within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've never been late on my accounts. Remove all late payment entries IMMEDIATELY!!!! 

XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections.

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request.

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. 

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Ive tried to dispute multiple cases on my credit report n no help some body has been using my information

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 2023-03-28
Company: Amsher Collection Services, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX. I do not know AMSHER COLLECTION SERVICES. 
XXXX. I do not have any contractual relationship with AMSHER COLLECTION SERVICES. 
XXXX. I never signed any agreement with AMSHER COLLECTION SERVICES. 
XXXX. I never consented for AMSHER COLLECTION SERVICES to share my personal information. 
XXXX. My name is Copyright protected.

6. My copyright is pending with the Library of Congress.

7. My copyright includes any and all derivatives of my name.

8. I am advising AMSHER COLLECTION SERVICES to cease and desist any/all collection regarding this name. 
XXXX. I am advising AMSHER COLLECTION SERVICES to cease and desist any and all collection against me. 
XXXX. My copyright number is pending and I will be filing for protection of this copyright with the department of homeland security. 
XXXX. I demand AMSHER COLLECTION SERVICES contact XXXX and any and all third parties that they have shared or give my copyright protected information to. 
XXXX. Upon written request through this portal and can provide proof of my Library of Congress. Temporary E-Recordation Link Request Inbox Fri, XX/XX/2022, XXXX to XXXX I just filed my copyright and would like a link to file a temporary e-recordation. 

My Copyright Request No : XXXX XXXX. Failure for AMSHER COLLECTION SERVICES to contact any reporting agency and have my private, copyright information will result in my exhausting my legal as well as Tribal Remedies.

14. No further notice besides this notice shall be given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection account was posted to my credit report by Credence Resource Management a few months ago. I disputed the account as I had no knowledge of it and it was removed after 30 days, and then has resurfaced again on XX/XX/XXXX. I have been receiving credit alerts from the credit bureaus indicating my information has been spotted on the dark web. Name, social, email etc. I have attributed this account with these activities. 

I have never had a business relationship with XXXX as this is the company the collection agency is trying to collect for. I have re-disputed this collection activity with XXXX Credit Bureau. They advised I get a police Report and file a report with the FTC which refer me to this website. 

CREDENCE RESOURCE MANA has flagged your account as Collections on XX/XX/2023. 

Source : XXXX XXXX : CREDENCE RESOURCE MANA Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom it may concern, I was about to commit fraud without knowing I got a job as a XXXX XXXX with a company that posed as a legitimate company. I was responsible for the payments and was using my bank account as a holding of the money, I was responsible for receiving money, for the costumers to ability to pay for our companies services. i deposited a check to my account and was told that this was a fraudulent case and was handed a paper giving me information about my case and prior cases to my to familiarize my scenario.I called the company that was suppose to have this XXXX and was told that they had no idea this was going on, The Bank fee is at {$140.00}. Thank you, and I hope this fee is waived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation