BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My US Bank Reliacard was placed on hold on XX/XX/XXXX. I was unable to view there was a hold however. Through the website and app there was nothing about there being a block on my account and everything looked fine, but any purchase of any amount was rejected. I called customer service to figure out what was going on and was informed there is a hold, but not why. I faxed over and filled out all my information and documentation online. I have called multiple times to check but I have received no help from any customer service staff. I am unable to pay my bills, or get any groceries and I have been out of food.

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 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 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 2019-07-02
Company: EQUIFAX, INC.
State: LA
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 went to getthe free annual report Equifax and was unable to answer the security questions because I did not recognize any of the accounts. Think I am a victim of the Equifax breech. Please help me I can not do anything to see my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2022-12-07
Company: CITIZENS FINANCIAL GROUP, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX I sent a letter for inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item within 30 days gives reason to immediately update this item from my credit report. It has been over 30 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that XXXX credit bureau report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be fixed immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

CITIZENS BANK XXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Southwest Credit Systems, L.P.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have completed a fraud report with XXXX XXXX as well as the previous collection agency that held this account. I have submitted the necessary documentation that verifies I was incarcerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Nelnet, Inc.
State: NJ
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 have never entered into contract with this company and requested proof but never received. I need this information verified. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  NJ XXXX XXXX XX/XX/XXXX Correspondence Address : Dept of ED / Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Payment Address : Dept of ED / Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request Account Number : XXXX, {$2100.00}, XX/XX/XXXX. 
XXXX, {$1500.00}, XX/XX/XXXX. 
XXXX, {$6100.00}, XX/XX/XXXX. 
XXXX, {$3600.00}, XX/XX/XXXX Creditor Name : Nelnet Original Amount : {$13000.00} Date of Debt : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: VA
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 U.S.C 1681 Section 602 A. States I have the rights 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 2022-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received a notice from XXXX XXXX and XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX attorney for XXXX  and file number is XXXX. 
XXXX XXXX XXXX vs myself Judgement owed is XXXX now the balance due is XXXX. 
They are stating this is an important notice : please read carefully failure to comply with this information subpoena may result in your arrest and incarceration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am being harassed by phone calls, letters this creditor who has not validated this debt says I supposedly owe. I never signed any promissory notes with merchant and medical. I have sent certified mail to them requesting they validate the money I supposedly owe. And to stop reporting this information to credit beureas until it has been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I.C . SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS 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 2022-12-07
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking of the erroneous information which is being posted to 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX TX ) XXXX Balance : {$620.00} XXXX XXXX XX/XX/2021

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 2019-09-05
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My physician wanted to do XXXX XXXX on me. We discussed that I am on Social Security XXXX, therefore, he needs to submit it to a participating provider as I only have one insurance through my husband 's employer and could not pay for anything out of network because I have very limited funds. He agreed and sent it through an in network provider who then went it to a different out of network provider. As a result, and by no fault of my own, they are saying I owe them over {$3000.00}. I spoke with my doctor and they said they would handle it. More importantly, they never called or spoke to me directly. Now, they sent a collections letter to my son 's address in Washington State. I have never resided in Washington state. They are violating FDCPA laws by sending that to my son and not to me. This is my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 

XXXX XXXX Last XXXX XX/XX/XXXX {$320.00} Reported XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX {$5900.00} Reported balance XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX OF XXXX Reported : XXXX XXXX, XXXX - {$1500.00} In good standing XXXX  OF XXXX Reported XXXX XXXX XXXX, XXXX - {$3500.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$1700.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$170.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$2200.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$4700.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$33000.00} In good standing XXXX OF XXXX Reported : XXXX XXXX, XXXX - {$3500.00} In good standing DEPT XXXX XXXX Reported : XXXX XXXX, XXXX - {$2600.00} In good standing XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$0.00} Closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: CITIBANK, N.A.
State: LA
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:
yesterday on XX/XX/XXXX i received a hard inquiry from a CBNA company that i know nothing about i didnt fill anything out that can be on my credit report as of now i really don't know where it came from and hoping it can be raking off ASAP

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 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX credit bureau reporting XXXX days late for Bank of America. I have contacted Bank of America about the incorrect data. They have advised me to contact the credit bureau.

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 2020-07-17
Company: U.S. BANCORP
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
US Bank will not send a release from the loan. 
Loan was for boat, trailer, boat motor, complete package. 
Loan was in XXXX. Loan was paid back in XXXX. 
Release was sent to me from the bank in XXXX. 
The released listed the Boat, the boat again, and the motor. 
That's right, the boat was listed twice but no trailer listed at all. 
The boat, trailer, motor was used yearly until 10 years ago when it was placed in storage. 
When removed from storage the trailer tabs could not be purchased because US Bank had a lean on the trailer. 

I have contacted USBank 5 Times on the problem. Each time they understood the problem and promised to send a release on the TRAILER. 
Two times USBank sent a release on the BOAT. 
Two times they promised they would send the release and call back in three days to confirm its on the way. The calls where not even returned. 

USBank has the original purchase documents which they say shows the complete package. They have read it to me. 

I have the title for the boat. I have the release for the boat, BOAT again, and the motor. 

Here are my contact notes with USBank. 

US BANK XXXX in CREDIT SPECIALEST, XXXX of XXXX. 
I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! 
Will take 3 weeks. 
XXXX XXXX press XXXX. 

US BANK Release came through for boat not trailer. 
Spoke again to USB, to XXXX XX/XX/XXXX. 
XXXX VIN Number : XXXX Frame : XXXX Model Year : XXXX XXXX he resubmitted the loan release. 
I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! 
Release was sent for BOAT again on XX/XX/XXXX. 

US BANK account : XXXX checking. 
Spoke again USB, to XXXX XX/XX/XXXX. 
Says he does not have trailer VIN ... only has boat Vin. 
I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! 
He Resubmitted again with trailer Vin. 
Says call : XXXX press XXXX than XXXX, than XXXX. 
He will monitor for loan peoples response for three days and then call. 

US Bank No returned call, no release arrived at all. 
Spoke again USB, to XXXX XX/XX/XXXX. 
Internal lending service department has to find the trailer. 
She said process was not done correctly and would do it differently. 
Can call her. 
I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! 
She will monitor for loan peoples response for three days and then call. 

US Bank No returned call, no release arrived at all. 
Spoke again USB, to XXXX XX/XX/XXXX. 
Waited again 30 minutes to talk to someone and now XXXX says " he can't help me '', " I have the wrong department ''.

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